vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inclusion of two accounts on my credit report, namely : XXXX XXXX Account Number : XXXX XXXX XXXX [ Last four digits obscured for security purposes ] XXXX  XXXX Account Number : XXXX XXXX [ Last four digits obscured for security purposes ] Upon careful review of my credit report, I have identified that these two accounts do not belong to me and have been erroneously included in my credit history. I have no association with these accounts, and their presence on my credit report is inaccurate and misleading. 

I urge you to investigate this matter promptly and remove the aforementioned accounts from my credit report. The inclusion of these unauthorized accounts has the potential to negatively impact my credit standing and overall financial well-being. I appreciate your attention to this matter and request that you provide me with a timely update on the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im begging you please remove this to the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
Received a payment confirmation notice on XX/XX/XXXX for {$4000.00}, another payment confirmation notice on XXXX for {$2000.00}, and another payment confirmation notice of {$2000.00} XX/XX/XXXX due to the payment reversal of the XXXX payment. I checked my Edfinancial account again and it stated that my loan balance was {$0.00} on XX/XX/XXXX. The morning of XX/XX/XXXX, I got a email notifying me that every payment got reversed. I will accrue interest on XX/XX/XXXX if these payments are not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
Hi my name is XXXX XXXX there was a transfer threw chime for {$1900.00} to the wrong recipient the money was sent to a account that no longer exists I informed chime I was told to rech out to the party or recipient that receive funds but how wen the account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to formally dispute the inclusion of two accounts on my credit report, namely : XXXX XXXX Account Number : XXXX XXXX XXXX [ Last four digits obscured for security purposes ] XXXX XXXX  Account Number : XXXX XXXX [ Last four digits obscured for security purposes ] Upon careful review of my credit report, I have identified that these two accounts do not belong to me and have been erroneously included in my credit history. I have no association with these accounts, and their presence on my credit report is inaccurate and misleading. 

I urge you to investigate this matter promptly and remove the aforementioned accounts from my credit report. The inclusion of these unauthorized accounts has the potential to negatively impact my credit standing and overall financial well-being. I appreciate your attention to this matter and request that you provide me with a timely update on the resolution of this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the inclusion of two accounts on my credit report, namely : XXXX XXXX Account Number : XXXX XXXX XXXX [ Last four digits obscured for security purposes ] XXXX  XXXX Account Number : XXXX XXXX [ Last four digits obscured for security purposes ] Upon careful review of my credit report, I have identified that these two accounts do not belong to me and have been erroneously included in my credit history. I have no association with these accounts, and their presence on my credit report is inaccurate and misleading. 

I urge you to investigate this matter promptly and remove the aforementioned accounts from my credit report. The inclusion of these unauthorized accounts has the potential to negatively impact my credit standing and overall financial well-being. I appreciate your attention to this matter and request that you provide me with a timely update on the resolution of this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NC

Complaint narrative:
There was an ongoing dispute with Discover about a {$500.00} charge on my account for almost two years. I paid the account while it was in dispute then Discover repeatedly removed and put back the charge for two years. During this time they added multiple late fees and interest charges to this charge, even though they claim they don't do that to disputed charges. I requested my account be closed and they owed me money since I had overpaid for everything while it was in dispute. However they never sent me any money. 

Finally in XX/XX/XXXXXXXX  they agree that the charge was fraudulent and sent me a notice saying so, several months after my account was closed and they never sent me a ) refund check for the overpayment b ) my cash back rewards. Since my account was closed I could not log in to check my overpayment status and when I called they could not give me any information and told me someone would call me back and they never did. 

Today XX/XX/XXXX they decided to list my account as a charge off on the credit bureau even though I have had a negative balance for the last 7 months as they owed me money. Now they are saying I have a {$10.00} past due balance even though they still owe me money. The transactions listed are late fees that should have been removed and it looks like they used my cash back rewards without my consent to go to any fees for late fees and whatever bogus transactions they added to my account. The current transactions listed for 6 months ago do NOT match the old transactions. 

THIS ACCOUNT WAS IN PERFECT STANDING. IT IS NOT A CHARGE OFF. DISCOVER OWED ME MONEY AND ADDED LATE FEES AND INTEREST TO A BOGUS CHARGE FOR MONTHS, REFUSING TO INVESTIGATE THE FAKE CHARGE. THIS IS DISCOVER 'S DESPERATE ATTEMPT TO MAKE MONEY OFF SOMEONE WHO NEVER PAID LATE OR CARRIED A BALANCE IN THEIR ENTIRE LIFE. NOW THEY ARE STILL TRYING TO MAKE MY ACCOUNT LOOK BAD. 

Please investigate this and have Discover correct the account and send me my check. 

Please be advised THIS WAS THE THIRD FAKE CHARGE TO MY ACCOUNT WITHINT ONE YEAR and Discover also refused to investigate the first two, forcing me to pay them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On or about last Friday XX/XX/XXXX   I was informed by a customer service representative that my checking account was compromised. And they put a hold on my account. However to this day they havent provided any accurate evidence except for their constant lying. Because at one point they stated that someone called their customer service trying to get into my account. And now theyre saying it came from an online source. So on this past Saturday I goes into the PNC Branch @ XXXX XXXX XXXX XXXX Pa XXXX and had to open another account. Claiming that both accounts were put on hold. But when I contacted their Acceptance Department @ XXXX XXXX XXXX in reference to a check for {$370.00} that came in they refused to transfer money from the new account to cover the funds and I got notified from PNC Bank by way of email that my Checking Account is now overdrawn. And they keeps referring my complaints to the same non caring customer service representative XXXX XXXX to whom is continuing to cover up PNCs misconduct and lies. Because someone from their Acceptance Department stated that there were 14 errors done one my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
I have had several issues with Edfinancial this past week. I will break down the issues below as they occurred : First Issue : I made a full payment on one of my loans ( Loan ID XXXX ) on XXXX of {$380.00}. This was the amount shown on Edfinancial 's online portal and the amount that correlates with all statements prior to XX/XX/XXXX. On XXXX my autopay processed for {$30.00} additional to my monthly payment of {$310.00} ( {$340.00} total ). The {$30.00} was added to my autopay automatically without my knowledge to apply to this loan XXXX which was showing it had not been paid in full at the time. My loan was then negative the amount {$30.00} for which I asked the negative balance to be reallocated to other loans. Next, my XXXX statement generated on XX/XX/XXXX and is now showing that on top of the full payment as well as the {$30.00}, I now owe {$30.00} on that loan. I called about this and finally got in touch with someone on Friday XX/XX/XXXX who told me that they would be submitting a research request. I called again yesterday to check on this and the representative told me that I owe that amount and what I was shown on the portal AND my statements was not the correct balance on my loan. I am at a loss because I can not understand how the balance that they showed me on my portal and on my statements is now magically more once I made a full payment to them for the loan. 

Second Issue : When I went to check on this issue in my online account yesterday XX/XX/XXXX, they are now showing that I have a past due amount on one of my other loans ( Loan ID XXXX ) of {$12.00}. This is absolutely incorrect because of two reasons : 1. I make more than the minimum payment each month on all of my loans to pay them off quicker. 2. As I mentioned above, my autopay processed for more than my allocated payment amount. After the statement was generated, it seems that they reapplied {$20.00} of the payment on this loan to another loan ( Loan ID XXXX ). I do not want this to affect my credit score but I also do not want to overpay them and not have this issue corrected. 

Overall, I have paid Edfinancial {$720.00} for the month of XXXX and they have not been able to apply payments correctly and are now saying I owe more on loans that I have made payments for. I am very concerned about them being my loan servicer moving forward as I have seen that many other loan payers have had this or a similar issue with them when trying to pay off their loans. Any and all assistance with these issues would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I am a XXXX XXXX XXXX member who was required to get a XXXX XXXX XXXX for official travel. Citi handles the XXXX program and they are fleecing the US government and scamming US service members with absurd fees and interest. Back in XXXX I was instructed to apply for this card, so I did. I was unaware of a {$29.00} activation fee. I received no correspondence about this fee until a letter received in XXXX that said I owed that along with an additional late fee, for a total of {$58.00}. I tried to pay the {$29.00} fee on their automated line, but it didn't work. So I tried calling customer service multiple times. Every time I called I'd be on hold for upwards of an hour. When I finally got through to a person, they were rude and condescending. I finally asked to speak to a manager. After another 30 minutes of hold time I was asked to provide a phone number so someone could call me back. Several hours later, a manager called back and was just as rude and condescending. She provided no further help or information. Citi is running a racket. They have abysmal customer service because they don't need to provide good service since we are forced to use their trash products due to the government contract. If I'm having this much trouble with these charlatans, I am certain many other people are struggling with similar issues. I've spoken with several other individuals who have similar stories of phantom fees and horrendous customer service experiences. Additionally, their fraud detection is terrible and many people have been left on the hook for fraudulent transactions. Citi is the absolutely worst company I've ever had the displeasure of dealing with, and I would never voluntarily use any of their products. My recommendation is to stay as far away from these criminals as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation