vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 2022-02-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my recent credit report I found several inquiries in which I never authorized and request the prompt deletion of them. I am listing those inquiries below for your convenience. 
EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX XXXX - XXXXXXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX  - XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX my payment portal gave me the option to pay an escrow shortage amount of XXXX to prevent my payments from being increased. I paid the shortage expecting my mortgage payment to not change. On XX/XX/XXXX I went into the payment portal to find my mortgage was increased anyway. I called veterans United and was told that it only covers the previous escrow and not the current. I stated that was true since the payment system states PAY DOWN YOUR SHORTAGE XXXX Available until XX/XX/XXXX PAY DOWN YOUR SHORTAGE The escrow account analysis resulted in an escrow shortage. To recover this shortage, we have increased your monthly payment for at least the next 12 months. If you would like to prevent this increase in the payments, you can choose to pay the shortage in full. Paying the lump sum payment is not required and completely voluntary. If you choose to make this lump sum payment, it must be received by us prior to the increased payment effective date listed on your most recent escrow analysis statement. 

I feel that veterans United is using unfair business practices by not fully disclosing that mortgage can in fact still increase even if this balance is paid.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$120.00} XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested on several occasions to remove and or delete the incorrect & inaccurate information on my credit report which I am needing immediately removed. I am listing those items for your convenience below. 
EXPERIAN - XXXX XXXX XXXX EXPERIAN - XXXX XXXX EXPERIAN - XXXX XXXX XXXX EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN - XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX EXPERIAN - XXXX XXXX XXXX XXXXXXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I requested my free annual credit report from Experian and they started charging me an annual fee. I tried calling Experian to resolve the problem, but I could not reach them and they did not return my call. I called the bank responsible for the credit card being charged and they recommended disputing the charge. I continued receiving charges from Experian after disputing the charge, so the bank changed the number on my card, but Experian found the new number and continued charging me. 

I believe Experian is in violation of federal law and should be ordered to cease and desist.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is XXXX XXXX XXXX and I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report XXXX I am not sure if you have conducted a thorough investigation for this item : XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was a victim of identity theft. I sent XXXX, TransUnion, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-02-17 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: PA

Complaint narrative:
I was a victim of identity theft. I sent XXXX, XXXX, and Equifax my FTC report on XXXX/XXXX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The lists of inaccurate information about accounts are still reported on my credit report. I already sent a letter to TRANSUNION Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking for help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}

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 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Below are the following accounts appear to be a charge-off account with a specific balances. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in one of the Bureaus. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account. 

NAVY FEDERAL CR UNION XXXX Balance {$3100.00} NAVY FEDERAL CR UNION XXXX Balance {$25000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I tried to stake {$400.00} worth of my CRO coin ( Crypto.com coin ), which had a balance of approx {$1900.00} at the time. Instead of deducting XXXX from this balance, they incorrectly charged my credit card {$410.00}. This card also charges a {$50.00} fee for any Crypto transactions. I immediately contacted Crypto.com and explained that they incorrectly charged my credit card due to a glitch in their system, and they need to cancel the transaction and reverse it immediately. This is easy to do by other companies, but they stated they couldnt do it and to ask my credit card company to handle it. I contacted my credit card company and they told me I wouldnt be responsible for the unauthorized charge and they would take care of it. My credit card company later refunded me the the {$410.00} and {$50.00} fee. 

On XX/XX/XXXX I transferred {$6000.00} from my savings account to my Crypto.com XXXX account so that I can make some purchases with the Crypto.com debit card. Recently Ive noticed I couldnt access the card nor move my money around. I contacted them through chat, and initially they stated that I had to get a letter from my credit card company stating that I was the owner of the credit card. I wasnt happy about that but was willing to do it. They then added that I needed another letter stating that I was withdrawing my initial credit card dispute of {$410.00} which THEY incorrectly made to my card. When I checked my account again and tried to buy something, I noticed that Crypto.com froze so my accounts preventing me from accessing my money! They stated that all my money was somehow related to the initial dispute. They are refusing to let me access my own money unless I provide these 2 letters. They are holding my money hostage. This is almost coercion or extortion.

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 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my recent credit report I found several inquiries in which I never authorized and request the prompt deletion of them. I am listing those inquiries below for your convenience. 
XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX TRANSUNION - XXXXXXXX XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX XXXX on XX/XX/XXXX TRANSUNION XXXX XXXX XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX EXPERIAN - XXXX  XXXX on XX/XX/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 2022-02-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my recent credit report I found several inquiries in which I never authorized and request the prompt deletion of them. I am listing those inquiries below for your convenience. 
XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX EXPERIAN - XXXX  XXXX XXXX XX/XX/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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX Date of inquiry XX/XX/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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have two collections on my file. I contacted the companies to settle the debt and received an agreement to settle and remove the items from my files. 

I provided this information to the credit bureau and they removed the balance only. They did not remove the item from the file. 

The items in question are : 1 ) XXXX XXXX ( Account number XXXX ) 2 XXXX XXXX XXXX XXXX ( Account number 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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I was a victim of identity theft in which all my personal belongings were stolen. Someone opened this account fraudulently in my name. I tried to dispute this collection several times with no luck. The collection agency, NCA and the original creditor, XXXX XXXX failed to do proper research and validate that this account actually belongs to me. I have not received any written documentation or proof regarding this matter. I tried contacting easy money to try to get this resolved and this company is no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have send them all the information they needed over three month and still havent gotten my refund for two XXXX XXXX cards.

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