vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I personally mailed in my dispute letter with my information certified and they have denied it because they believe that it did not come from me. They believe I am using a third party credit repair company which I am not. This morning I called Transunion to see how I can rectify the matter and I was told that its been denied and I explained to them that the letter came from me directly that I am not using no repair service I asked what my letter was missing since I was going to mail it back in they told me that they could not give me that information and that I can process the dispute online or on the phone which clearly that is not what I want to do. I asked for a supervisor which will get back to me 3-5 days I spent money and time to get these letter written up only for them to denied it because they believe it did not come from me and when I called to ask exactly why and what is missing from my letter for them to believe it did not come from me they could not answer me I am trying to dispute incorrect information on my credit from 2 XXXX XXXXXXXX accounts that are not correct with factual errors and I am requesting for it to be deleted. I also would like to add that the representative that I spoke to hung up on me. I have pictures and proof of the letters I mailed in if needed Might I add Transunion let a debt collector add a collection debt which did not belong to me from XXXX which originally was from XXXX. When I spoke to XXXX they confirmed and removed the collection because they stated my social security had no affiliation and it should have never been put on my credit file obviously Transunion is not verifying and confirming my information and let this collection debt company go on my file and now I see other factual errors which need to be addressed and fixed I do not trust Transunion

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 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: VA

Complaint narrative:
The company ERC ( Enhanced Recovery Company ) out of Florida has violated federal law by reinserting a collections account to the credit bureaus. This account was added on XXXX, XXXX, XXXX. I legally disputed this account and it was removed on XXXX, XXXX XXXX. The account was reinstated on XXXX, XXXX XXXX. This violates my rights and federal law. I employ that you see this company stops it illegal and unethical practices by violating people civil rights and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: IL

Complaint narrative:
XXXX XXXX - this collection has been attached to my credit report for 7 years now and they refuse to remove it though its exhausted the timeframe of removal

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 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I tried to withdrawal approximately {$4300.00} usd on XX/XX/XXXX. After reaching out to determine why I am unable to, I was advised that fraudulent activity took place on my account. I was unaware of this and have yet to see any proof that there was fraudulent activity. The only digital currency I currently hold is XXXX. Crypto.com stated that there was a {$3500.00} transaction for XXXX. There are no eth funds in my accounts. Crypto.com is restricting me from accessing any of my funds. Even those that exceed the amount of {$3500.00}. I am requesting that this be further investigated. I have offered to supply statements showing that I did not make that transaction and do not feel it is legal for them to hold additional funds. 
As of XX/XX/XXXX, the company is asking me to reach out to a bank that I do not bank with. That bank will not provide me with any information for that reason. Crypto.com did not address the concerns of how they are allowed to keep my funds from me. They are keeping me from an asset that is not XXXX, nor is it the amount mentioned. There have been times my shib exceeded the value they are specifying and they still kept my funds from me and stealing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I closed this account in XXXX due to lose of work and agreed to a string payment of XXXX dollars a month until paid off. I was notified 5 years later by phone that I had a pass due payment. Which I questioned at the time on the XXXX dollars a month until paid off. I was informed that their string payments can only go out five years, that it had gone past five years and now your responsible for the payment. I told her that it would of been nice to receive something in the mail, a phone call or something letting me know. I asked what was the remaining balance, she informed me that it was XXXX and some change. I paid the remaining balance off with the agreement with here that a late payment in XXXX would not be reported on my credit report, due to them not contacting me or sending out a statement. It still shows up as a late payment.

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 2022-04-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is a follow-up complaint from my previous complaint, which was the third complaint at that time. 
My last complaint was XXXX. 
I wrote : This is my third complaint about Experian about this matter. Experian just keeps alleging litigation with no explanation. Experian has alleged current or pending litigation but has not provided a case number or any explanation. I know there is no pending litigation, so what was this past litigation? To what case do they refer? On what issue was this alleged prior litigation focused? What was the result of that litigation? Why does CFPB just accept what Experian says on the face of it and not explore for the actual truth? Experian has not explained anything, and yet the CFPB does nothing. Why is that? '' What did Experian do? Refused to address the complaint and then posed the same lame and vague excuse of litigation, without explaining as requested. What did the FCFPB do? Nothing just closed the complaint with no explanation from Experian. 

Experian must explain the litigation to which they refer. 
Otherwise, I can't address the situation. 
Experian refuses to explain anything and will not address the original complaint either. 
This is an unfair attempt by Experian to avoid their violations and my complaint. 

CFPB must not accommodate Experian in their hiding behind a murky unexplained excuse.

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 2022-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
This complaint is related to the difficulty in obtaining a deferral agreement or modification agreement from Select Portfolio Servicing Inc and XXXX. I am in the process of refinancing with a new mortgage lender to avail of a lower rate. Everything was going well until I came across this problem with obtaining this specific document. I have contacted SPS multiple times since early XX/XX/XXXX. I was told to contact my former Mortgage lender XXXX  ( an entity of XXXX ) who originally issued this deferral. XXXX  sold my account to SPS in XXXX. I have contacted XXXX in hopes that they will be able to provide me this document, but to no avail. Both lenders denied that they have this document. Meanwhile, this back and forth process with these two companies, SPS and XXXX, caused my refinance to be put on a halt. As a result, I may lose my chance for a better rate. I am hoping that with your help I will get a much faster response and a positive outcome. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I hope you're doing well! I'm reaching out because of a dispute that has been challenging to resolve. I have been a Citi customer for years, but they have been incredibly difficult and frustrating to work with on a dispute that has taken 4+ months and counting. I have received contradictory information throughout the process.

I'm not sure who to trust ; the merchant has told me repeatedly that they approve the refund and yet behind the scenes, is telling Citi that they can not. Citi has charged me for this Covid test that I did not receive, despite assurances that they wouldn't. I would really appreciate your help. Below is the relevant documentation and some brief context, as the email exchanges are quite long. 

-- -- I have attached the relevant documents. As brief background, I went to get a paid covid test for {$150.00} on XX/XX/XXXX at XXXX in XXXX XXXX XXXXXXXX. Since, then : - When I reached out to XXXX initially on XX/XX/XXXX, they told me that they processed this refund on XXXX ( " XXXX  refund processing '' ) - When I didn't see anything returned to my Citi credit card, I reached back out to them ; they told me that they do owe me the {$150.00} but are unable to process the refund on their end due to XXXXXXXX XXXX policies and requires the dispute to close in order to do so - I shared this documentation with Citi to resolve the dispute, but Citi closed the dispute in the merchant 's favor - When I called Citi customer service to get more context, they advised that I should never close the dispute and have their team reopen and resolve it ; they advised to get in writing that XXXX approves of the refund and send that in, which I did ( " Proof of refund approval '' ) - Despite reopening this dispute, the dispute was againresolved erroneously in the merchant 's favor ; today, I received a letter from Citi today saying that they are " unable to continue your dispute as we have determined the merchant is unwilling to issue a credit '' ( " Citi denial '' )- I have just sent another email to Citi asking for them to resolve 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 2022-04-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
This is a fraudulent debit card charge to my bank account. I contacted the bank on XX/XX/2002 and advised them that this was not my charge and I was disputing the amount. Thereafter, the bank credited back the amount charged by XXXX XXXX in the amount of $ XXXX also personally went to the XXXX XXXX and talked to the manager and he said he would get it straightened out. A letter was received from TRS Recovery Services on XX/XX/2002 stating that I owed this ; on XX/XX/2002 I replied with a letter to TRS advising that this was a fraudulent charge. See attached.

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 2022-04-12 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: EQUIFAX, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} ), US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6900.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative account ; US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-12 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: NC

Complaint narrative:
EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX .P. XXXX XXXX XXXX XXXX XXXX XXXX New York, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Americas XXXX XXXX Floor New York XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Floor XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Going through the options, there isn't a description adequate enough to describe my complaint or concerns. I have filed a pervious complaint only for Navient to gloss over the document provided and not address my initial compliant. 
" When Navient stated they have no record of my loan being closed and to submit a copy of the revelant section of my credit report, I did that. In my original complaint I submitted a copy of my XXXX XX/XX/2021 credit report where it clearly list my student loan as closed, account status " CLOSED. '' That's the reason for my inquiry. This caused my credit score to spike to XXXX and then suddenly drop again. I've already inquired with the credit company and they stated they are reporting what Navient reported. '' If my student loan was canceled under the Biden Student Loan Cancellation program, I want to know. I don't want to be paying on a student if that's the case. Navient needs to address the document enclosed with the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CO

Complaint narrative:
On XX/XX/2022 global payments sent notice that they were reversing a previous decision to refund my money, and took the money back, XXXX out of my checking account. previously we had messed up a repair on a customers vehicle, that customer took his vehicle to the dealer had it repaired at the cost of XXXX so global payments went ahead and took XXXX out of my checking account. after numerous attempts to fix this called global payments one last time, no one will call back, after sending me on a goose chase with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Something tan my report without my permission

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After many attempts to resolve these issues directly with TransUnion to no avail, I have no other choice, but to file a formal complaint against them for their multiple violations of the FCRA and my consumer rights. Please review the issues at hand outlined below : 1. TransUnion has consistently over the past several months pre-maturely deleted positive credit tradelines from my credit report reducing my credit score and minimizing my credit history to only 2 years which adversely affects my ability to borrow and/or build credit XXXX XXXXXXXX XXXX XXXX. While I understand that accounts can be removed after 10 years, many of these accounts were only 5-6 years old. 

2. There are multiple accounts that are reporting an incorrect last payment date which causes the negative accounts to report longer than 7 years which is allotted by law. Specifically, XXXX XXXX XXXX, which is reporting a last payment date of XX/XX/2018, 4 months after the vehicle was returned and the account was permanently closed. No such payment was made. TransUnion kept this stance for accounts that were included in bankruptcy, making the last payment date on every single account the date the bankruptcy was filed when many of those accounts received their last payment 2 years prior to the filing. This caused those accounts to report 2 years longer than they should have. 

3. There are closed and paid in full accounts that have a current pay status of " Account 120 days past due ''. XXXX XXXX XXXX {$40000.00} loan that is at a XXXX balance and has been since I sold the home it was attached to in XX/XX/2018, continues to report a status that just isn't possible. While the first mortgage with the same lender reports " Paid ; closed ''. This gives the impression to other creditors that I have a mortgage that is currently 120 days past due. I do not. XXXX XXXX states that they are NOT reporting the account this way and XXXX is reporting this on their own accord. Despite their efforts to correct this and mine, I am still being asked to send in additional documentation. This account has been in violation for YEARS. I am done sending in additional documentation especially when you could not ever be 120 days past due on an account that is closed and paid off.

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 2022-04-12 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: NY

Complaint narrative:
In accordance with The Fair Credit Reporter Act XXXX account XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 8 states I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.

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