vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 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 — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
{$100.00} My health insurance company has charged me twice for the premium for the month of XXXX, XXXX One dated XXXX and the other dated XXXX. 

On XXXX I asked a supervisor at discover Bank 's disputes department to specifically dispute the charge dated XXXX. I also told the supervisor not to dispute both charges because the charge dated XXXX is correct. 

Then why did you dispute both the charges?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This spammer who's impersonating a bill collector from American Express is still harassing me XXXX times, and this time they've called me at XXXX A.M. And I still didn't answer it. I want this crook arrested. I don't have any credit card debt, and I don't have any credit cards. The number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
I have retained information that BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC has purchased an alleged debt from XXXX XXXX XXXX XXXX XXXX. They have transferred this debt to their representative The Bureaus, INC  ( who is not a licensed collection agency in the state of Illinois ) and XXXX XXXX who have both contacted me in trying to coerce me to pay this alleged debt without providing me specific proof of claim. Attached is my official NOTICE OF DISPUTE PROOF OF CLAIM AND CEASE AND DESIST OF ALL COMMUNICATION. I am invoking my specified remedy. If I don't receive the required evidence of proof of your claim in 30 regular days, your claims against me will be dismissed and you must terminate all collection efforts. I expect you to cease all communication with me through any and all mediums, including my consumer report, in regards to this alleged debt including communication through your representatives, The Bureaus , Inc and XXXX XXXX. ALL communication directly or indirectly should now cease though any and all mediums. You will be held up to every aspect of federal law for willful and negligent noncompliance of federal law. YOU ARE ON NOTICE. I do not give BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC, or any of its representatives, affiliates, employees or legal counsel permission to pursue legal action against me, the federally protected consumer, for that would be a violation pursuant to 15 USC 1692i ( b ) and 15 USC 1692e ( 3 ). With Explicit Reservation of all Rights, Without Prejudice UCC 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2021-12-03 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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX XXXX XXXX failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Name XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer 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 non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Back in XXXX I had inquired aabout an ipad from a random electronic shop i saw on an ad ; I am not disputing the actual existence of the transaction. I dont know what other language to explain to these people that i NEVER RECIEVED THE ITEM. Sender first didnt hand the package over the XXXX on time, so it was received by XXXX 2 days after he promised he'd send it, finally got to XXXXXXXX XXXX hands their delivery dates kept changing after I would wait for it alllllll day ; long story short took the whole week off work because i didnt want to lose an expensive item. XXXX  somehow misplaced the item while in transit, I finally called the shop I said cancel it I dont want it. He said " I will try but because its in their hands now wed have to wait until they dont bring it and itll " EVENTUALLY '' get back in our hands, never heard from them again until collections notice. I just spent over {$4000.00} cleaning my credit from all past negative items I will NOT allow myself to be penalized over. I keep disouting but nobody seems to want ti k

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$85.00}

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 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions Debit Card and Pin Number were stolen from me on XX/XX/XXXX around XXXX XXXX AM. The card was taken and used for over XXXX transactions across XXXX until around XXXX AM on XX/XX/XXXX. The debit card was immediately frozen around XXXX, while XXXX more attempted charges were denied. 
I have been using Regions Bank for roughly XXXX years, and this is my first fraud claim incident. A list of the transactions are listed below as they were posted on XX/XX/XXXX : * XX/XX/XXXX Card Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( place of theft ) XX/XX/XXXX ATM XXXX Regions XXXX XXXX GA XXXX XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX Purchase Wal-Mart # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX Card Purchase XXXX House XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX PIN Purchase Qt XXXX Outside XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX Wal-Mart # XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX After finding out my debit card was used throughout the night, I drove to the Regions office to dispute the charges and get a new card. I filed a fraud dispute with Regions the morning ( XX/XX/XXXX ) the charges were posted ( and no longer pending ). It was declined after XXXX business days. 

After filing a police report and reopening the claim, the claim was denied yet again. They refuse to look into their own ATM cameras to help my case and seem to be just pushing me along to deny me every XXXX days with no further investigation. 

I have received fraud alerts ( or denied use ) for my own {$40.00} purchases, but not when a thief stole over {$2300.00} over the course of one night.

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 2021-12-03 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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX  days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I am writing in hopes that you can assist me in recouping the funds granted to me this year by the XXXX, from Citibank. 
I am an XXXX XXXX, and a XXXX XXXX by trade, and on XX/XX/XXXX and XX/XX/XXXX respectively, I was awarded the XXXX XXXX XXXX  XXXX grants by the XXXX in the amounts of {$10000.00} and {$5000.00} in accordance with the CARES ACT signed earlier this year by President Biden. The funds were deposited into my Citibank personal checking account. At this time I anticipated no problems because I had previously received an ACH deposit for my XXXX in XXXX of XXXX. On XX/XX/XXXX I received into the same account, my second draw XXXX XXXX XXXX loan in the amount of {$1700.00}. All told, there was a total of {$16000.00} in my Citibank account in early XXXX. At or around this time, I noticed that I was unable to withdraw funds or make transactions utilizing my Citibank account. When I called the prescribed Customer Service number, I was told that my account was frozen pending received proof of business, in the form of XXXX, articles of incorporation, or a signed independent contract. On XX/XX/XXXX, I received a XXXX envelope with directions to include my signed contract which I did. 
I then received a letter informing me of Citibank 's decision to terminate my account within XXXX days and return all funds secured from the XXXX back to the treasury. 
I have since opened a business checking account with XXXX XXXX, updated my banking information in the XXXX XXXX, and have been waiting the return of my XXXX Grants to the Treasury Department so that the funds can be re-dispersed to my XXXX 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 2021-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I rec 'd a email telling me Best Buy was going to charge me XXXX for renewal for coverage of appliance/PC repair. I never actually used any of it from XX/XX/XXXX - XX/XX/XXXX that I did pay for when buying my dishwasher. Attached below, and now expired, Their flagging they went ahead and charged it to my XXXX Credit Card in a email after the fact also attached! Never rec 'd a new service contract. This charge was unauthorized. 
I called the card 's number and requested they stop the unauthorized charge of XXXX and cancel my card. Their supposed to protect me with unauthorized charges and I was not paying for something I didn't authorize. 
They instructed me to call Best Buy also. I called, spoke to their billing office, the lady there told me speak to the XXXX XXXX also. I did and same message that I cancelled my card, I didn't authorize this appliance/PC coverage, and I'm not paying for something Best Buy decided to charge me for. All three parties did not instruct me to do anything else. 
Then I get a check back for XXXX from Best Buy XXXX ( attached check stub ). So I thought we're cancelled now and their was no explaination as to why I got this check. 
Today I get a bill from Citi - Best Buy - XXXX XXXX for XXXX ( XXXX difference on the original total, XXXX fees charged, XXXX interest and a total of XXXX balance. So the check they sent was a hook to use their check, pay interest and late fees! Says made a purchase on the back of the statement. I didn't purchase anything they did. 
I called XXXX and XXXX both of these numbers are the same recording. Useless! I don't have the card I destroyed it after I requested they cancel my card to all three parties. I also have a email they are refunding me See attched. That's the check I just mentioned above they sent me. I'm XXXX yrs old and feel their taking me for a ride and ignoring my cancel request from last month.

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 2021-12-03 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: DE

Complaint narrative:
This has been my third attempt to rectify this matter. This account does not belong to me. Block and remove it. This account also came from a credit report so it should not be showing on a consumer report anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I sent a letter to SOURCE RECEIVABLES MANAGEMENT the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : ( SOURCE RECVB XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.

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 2021-12-03 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: MT

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX FIN XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the EQUIFAX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: MT

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXXXXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Transunion Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

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 2021-12-03 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wellsfargodealersvcs XX/XX/2020 no response XXXX XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 on report twice no response XXXX XXXX XXXX XX/XX/2020 no response I would like these off my credit due to me not given permission nor having accounts with these creditors. I have no loan with them.

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 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have never received a bill from this Agency. After receiving daily phone calls ( XXXX days a week once in while XXXX a day once in the a.m. and once in the afternoon ) and checking my credit report this Agency showed up in XX/XX/2021 backed dated to XX/XX/2021. I have also submitted in writing to all XXXX Credit Bureaus disputing this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my consumer report and found multiple inaccurate items on my consumer report I notified the credit reporting agencies of the issues and it has been XXXX days and still no response these issues are causing me pain and suffering and humiliation

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 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation