vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I have an account with Citibank institution. On XX/XX/2017 I issued a check to XXXX XXXX XXXX for the amount of {$1600.00} for my health insurance. A week or two later once at my Doctor 's office, it was brought to my attention that I had no heath coverage and than my insurance was cancelled. It turns out that my check never made it to its destination rather someone endorsed my check to themselves at a XXXX XXXX XXXXXXXX location. Unfortunately, I have still not recovered the funds from Citibank even though it has been past 90 days which is the estimated time to investigate. I have been given the run around and I need to get my money back. I would greatly appreciate your assistance in this matter.

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 2018-04-12 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: FL

Complaint narrative:
I have submitted complaints before and I will do so one more time, I have several and I mean several inquiries on my reports that are from the years XX/XX/XXXX-XX/XX/XXXX that do not belong to me, and I have no knowledge of. I have called the creditors and they say they can not remove them call the bureaus, I call the bureaus and they say they can not remove them, well, last month we went through this same thing I sat right next to my brother as he called all 3 bureaus and he had 30+ inquiries removed just by saying they were not his, in which they were not his they were made from a different state that he does not reside in, I called and wanted mine removed and I was told they could not remove them. I have tried to dispute these with the bureaus by sending in letters and calling again nothing, sent in a complaint and again nothing, well, I just seen and took a screenshot of another lady who called all 3 bureaus and got 66 inquiries removed in one call, but I can not get just the ones I know are not mine removed!?? I believe this to be a discriminatory issue that I will indeed address accordingly! I am absolutely tired of seeing and hearing with my own ears people calling and having inquiries removed no questions ask, but mine can not be removed. There are some on my report I do have knowledge of doing, but the ones I want disputed were during the time of the death of my mother and I know for a fact I did not do them because I had no access to any kind of internet or phone during that time!!!! I am asking once again that this situation be addressed or I will be going further with my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/2017 I wrote to the disputes department of Portfolio Recovery regarding a supposed debt that they alleged and in this letter that was sent certified with return receipt they were instructed to contact me in writing only and to provide proof of the debt. 

They have continued to call repeatedly to my cell phone number and today at XXXX XXXX they called my employer. They had sent a photocopy of a statement that didn't indicate anything about their right to collect on the debt, more importantly the debt has passed the statue of limitations and is no longer enforceable. 

I believe this is a direct violation of the Fair Debt act and want this harassment to end immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: AZ

Complaint narrative:
I am a victim of identity theft. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX Representatives for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). XXXX, XXXX and Trans Union previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.

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 2018-04-12 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: AZ

Complaint narrative:
I am a victim of identity theft. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX XXXX for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). XXXX, Experian and XXXX XXXX previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.

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 2018-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Hello! 

This collection it was removed from my report and know it shows I owned almost {$2000.00}, please help me with this thing. It dropped my score 40 pts Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Debt was paid on XX/XX/XXXX, received court summons on XX/XX/XXXX. On XX/XX/XXXX contacted portfolio recovery associates llc placed the call at XXXX, was transferred multiple times and talked to XXXX XXXXXXXX who placed me on mute and ignored me. Before doing so XXXX advised the account is closed and paid in full but can not tell me when a dismissal was sent but it was sent. Im being sued for a debt that has already been collected, and they refuse to issue the dismissal to the court and told me to call to dismiss. I can not dismiss this court case now I have to waste my time going to the court house to defend myself against this debt collector who wants to collect twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
on XX/XX/XXXX there were charges made to my XXXX XXXX Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due until XX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from XXXX XXXX in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with XX/XX/XXXX and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.

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 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
on XX/XX/XXXX there were charges made to my XXXX XXXX Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due until XX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from XXXX XXXX in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with XXXX XXXX and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
on XX/XX/XXXX there were charges made to my XXXX XXXX Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due until XX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from XXXX XXXX in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with XXXX XXXX and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.

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 2018-04-12 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: FL

Complaint narrative:
I have submitted complaints before and I will do so one more time, I have several and I mean several inquiries on my reports that are from the years XX/XX/XXXX-XX/XX/XXXX that do not belong to me, and I have no knowledge of. I have called the creditors and they say they can not remove them call the bureaus, I call the bureaus and they say they can not remove them, well, last month we went through this same thing I sat right next to my brother as he called all 3 bureaus and he had 30+ inquiries removed just by saying they were not his, in which they were not his they were made from a different state that he does not reside in, I called and wanted mine removed and I was told they could not remove them. I have tried to dispute these with the bureaus by sending in letters and calling again nothing, sent in a complaint and again nothing, well, I just seen and took a screenshot of another lady who called all 3 bureaus and got 66 inquiries removed in one call, but I can not get just the ones I know are not mine removed!?? I believe this to be a discriminatory issue that I will indeed address accordingly! I am absolutely tired of seeing and hearing with my own ears people calling and having inquiries removed no questions ask, but mine can not be removed. There are some on my report I do have knowledge of doing, but the ones I want disputed were during the time of the death of my mother and I know for a fact I did not do them because I had no access to any kind of internet or phone during that time!!!! I am asking once again that this situation be addressed or I will be going further with my complaint!

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 2018-04-12 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: FL

Complaint narrative:
I have submitted complaints before and I will do so one more time, I have several and I mean several inquiries on my reports that are from the years XX/XX/XXXX-XX/XX/XXXX that do not belong to me, and I have no knowledge of. I have called the creditors and they say they can not remove them call the bureaus, I call the bureaus and they say they can not remove them, well, last month we went through this same thing I sat right next to my brother as he called all 3 bureaus and he had 30+ inquiries removed just by saying they were not his, in which they were not his they were made from a different state that he does not reside in, I called and wanted mine removed and I was told they could not remove them. I have tried to dispute these with the bureaus by sending in letters and calling again nothing, sent in a complaint and again nothing, well, I just seen and took a screenshot of another lady who called all 3 bureaus and got 66 inquiries removed in one call, but I can not get just the ones I know are not mine removed!?? I believe this to be a discriminatory issue that I will indeed address accordingly! I am absolutely tired of seeing and hearing with my own ears people calling and having inquiries removed no questions ask, but mine can not be removed. There are some on my report I do have knowledge of doing, but the ones I want disputed were during the time of the death of my mother and I know for a fact I did not do them because I had no access to any kind of internet or phone during that time!!!! I am asking once again that this situation be addressed or I will be going further with my complaint!

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 2018-04-12 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: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX PLEASE UPDATE MY PHNOE NUMBER TO MY FRAUD ALERT:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX - XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXXreditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL 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 2018-04-12 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:
TODAYS DATE:XX/XX/XXXX PLEASE UPDATE MY PHNOE NUMBER TO MY FRAUD ALERT:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX - XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation