vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XXXX I called the number on the back of the card to make an automated customized payment. The system overrode my voice and applied my total credit card balance of {$1800.00} when I attempted four times saying I wanted to customize my payment. The automated service then said my payment was applied. I called and asked how much was applied because I didnt authorize any payments at that point. This caused an extreme hardship for my family and I. It took every XXXX I had in my bank account. This caused NSF fees, and I had no money. I could not make payments on my other credit cards as a result I incurred late fees from them. This is an error on their system. It took them 15 min to grab my money but yet they are telling me I need to wait 30 days to get my money back. Depending on who I talk with at Citibank I get different answers as to when Ill expect to see the money back in my account. I was told I would get it back on Saturday XXXX. That never happened. I then was told I wouldnt receive it for 10 days. I still dont have the money in my account. This is extremely devastating to my family and I as this was my payday money. All gone in minutes because of their systems screw up. Their system didnt even verify the amount I was paying. I want Citibank to make this right with me as its been days that we had to go through without money and consequences occurred in our bank account and other issues financially occurred. Nobody was helpful. Not even at the corporate level. The CEO refused to take phone calls ad I tried for two days to get a hold of her. I spent the day yesterday from XXXX XXXX XXXX XXXX XXXX. trying to get my money reimbursed but I did not receive any help. When I called the dispute department they also told me this has happened numerous times before to others. How convenient for Citibank. Somebody needs to do something to stop this from continuing to happen. Because again, this has been devastating and has caused a hardship for my family and I. Which at this time we are still living without any money. They need to be penalized for this.

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 monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Good Day Sir or Madam I have requested several times that my name and address be updated on all XXXX Credit Bureaus Equifax, XXXX and XXXX Under the Fair Credit Reporting Act ( FCRA ) My report should reflect accurate information I have provided all bureaus with copy of id and bill so my credit report would reflect the correct information. I have no access to receive any correspondence to any addresses listed on my credit report other then the one that is on my id and bill that already been submitted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I dont know who the company is that are reporting and eviction. I know nothing about the information that is being reported. I dont know how they got my information, I didnt give them my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Contacting me multiple times per day through XX/XX/2023 into XXXX. Twice today on XXXX. 

I do not owe any medical debt. I do not go to the doctor as I am American and don't want rack up medical debt.

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 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY

Complaint narrative:
There are information on my XXXX XXXX that is stopping me from opening bank account reported by Dime Community Bank. About writing checks on a closed bank account there was a error with the check books and wrote the check from the wrong check book.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Collection account from XXXX XXXX with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX. 

I am being denied credit because of XXXX XXXX falsely reporting to Experian and XXXX 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 explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have no knowledge of doing business with any of these creditors below. Please remove it from my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
I had previously submitted a complaint with CFPB. This week Mohela told me to reach out to them via phone because my request was too complex to deal with via email. I called them and explained I am eligible for PSLF due to the 65904 Federal Register published in XX/XX/XXXX ( references : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ). This Register, as of XX/XX/XXXX, makes the 2 administrative forbearances XXXX had forced me to take eligible for qualifying payments, which makes me reach my 120 qualifying payments for forgiveness. 

This issue is this : Mohela ( XXXX, ID XXXX ) tells me that they have no knowledge of this Federal Register and they are unable to access information on it because their " government computers can only access two websites : Mohela 's website and FSA 's website. '' They said there is no one at Mohela who can help me with reference to this Register, which I noted to her is accessible on a government website, govinfo.gov. 

Mohela ( representative XXXX, ID XXXX ) also told me today that I have to wait until XXXX for FSA to review my second reconsideration request. She said they're done reviewing applications for the year and she doesn't know how the applications were selected. She explained, " Maybe it was based on their last names. '' Mohela tells me they can not help me. FSA tells me I have to wait for Mohela to help me. Payments are about to start and I'm trying to figure out if I should find child care and go back to work for 2 months, or if I'm going to be granted forgiveness, as I believe I should be. I should also mention I submitted a reconsideration waiver in XX/XX/XXXX under the waiver. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2021 card was blocked for fraud. When I called XXXX XXXX for an explanation I was told that they could not tell me the reason for the block due to fraud investigation. That was 2 years ago. I have XXXX cards with XXXX XXXX. The card blocked was that used by the Authorized User ( My XXXX ). This block was instrumental towards credit blemish as per Experian. My son reached out to XXXX XXXX for a resolution as I have also done myself. I paid my card in full back in XXXX XXXXonly to be penalized for the added fraud block without premise. I am the Account holder my son is the authorized user. I often times blocked my son from using the card for overspending. He would max his card out and I would have to pay it in full, so I would block him. XXXX XXXX decided to place a block on the card in XXXX of 2021 due to numerous declines, now XXXX XXXX is backpedaling stating the block was due to inaccurate address information, meanwhile my Credit XXXX card was never blocked. Both cards are under my name, my address. Two years barred from using the card, and the audacity to incur member protection fees!!! I called again today as a result to resolve the issue, escalating the call to XXXX levels according to representatives whom I do not believe even escalated my call. It went from representative, to Supervisor, to Manager then Supervisor then to corporate when I stated I was going to the Consumer Protection Bureau. I asked them to remove the ridiculous block, remove the fees, my son was barred from using the card I got him as an authorized user and my card was used monthly for a veterinary insurance bill on a monthly basis. Thats it. This has caused credit issues and I need a resolution.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
An account has been reported on my credit, it is a lease for an apartment. This account is NOT mine and I have reported this to the policy department and filed my FTC identity theft reportXXXX XXXX XXXX XXXX XXXX gave a lease to someone under my information, I am attaching my ID in which you can see I did not even get my permit to work and arrived to the XXXX until XX/XX/2022 how could I have signed a lease in XX/XX/2022 and have proof of income? Please remove this from my account

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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
My spouse and I had an international trip planned in XX/XX/2022, which required using a credit card for the purchases for trip. Credit card company had locked credit cards= for suspicious activity for a {$34.00} purchase... locked both cards. However, during this time, the company also locked the accounts for new issued cards 5 times, leaving us without the use of a credit card for the trip, so we had to cancel the trip ... ..airlines, hotel, and rental car. We made several attempts on the phone, as well as 5 trips to local bank offices for resolve issues, but without any resolution even with local bank authorities, so we closed the accounts. After closing the accounts at a local branch, ( XXXX ), or at least we thought according to bank personnel, the credit card did not get closed by bank personnel. The company continued to leave the account open, generating service fees, as well as late fees. As with the credit card issues, we made countless trips to the local bank office, the account continues to be open, with delinquent fees. CC company has since turned the amount over to collections, where myself and wife get collection calls daily. Bank manager assures us the problem has been fixed, but when you check the account, the amount remains.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
False reporting on file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
False reporting on file

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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I am writing to formally dispute and bring to your attention the inaccurate and unauthorized information present on my credit report. Upon reviewing my credit history, I have discovered five delinquent trades, numerous installment delinquencies, and revolving delinquencies that I believe are erroneous and the result of unauthorized activities. I did not provide consent to these companies to run my credit or open any accounts in my name. Furthermore, the charges attributed to these companies are entirely unknown to me, and I have taken immediate action to address this matter. 

The companies in question are as follows : XXXX XXXX XXXXXXXX ( unknown charges for products I did not order or receive ) XXXX  ( unknown charges for products I did not order or receive ) Expansion XXXX XXXX XXXX I have made diligent efforts to contact each of these companies to rectify this situation and obtain more information about the unauthorized charges. I have kept records of all correspondence, including dates, times, and the names of representatives I spoke with. Unfortunately, my attempts to resolve this matter directly with these companies have not yielded satisfactory results, leaving me with no alternative but to seek your assistance. 

I respectfully request that the Federal Trade Commission conducts a thorough investigation into these unauthorized charges and false reporting of delinquencies on my credit report. I understand the importance of accurate credit reporting and its impact on my financial well-being. These erroneous entries have adversely affected my creditworthiness and financial stability, potentially preventing me from accessing fair credit terms and opportunities. 

Enclosed with this letter are copies of all relevant documents, including correspondence with the aforementioned companies, in support of my claim. I kindly ask for your prompt attention to this matter, as I am eager to resolve these discrepancies and restore the accuracy of my credit report. 

Thank you for your time and consideration. I look forward to a timely resolution of this issue and appreciate your efforts in rectifying this situation.

Company response to consumer: Closed with explanation