vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-03 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: Capio Partners, LLC
State: FL

Complaint narrative:
I was recently observed that on my XXXX report that a company by the name of XXXX reported an unpaid balance on my credit report, amount owing to XXXX XXXX XXXX. I was never sent a bill or was ever made aware by XXXX that I am owing them any money. I have full insurance coverage from XXXX  XXXX XXXX which covers at 100 % thru my employer plus an additional XXXX account with {$2700.00} for the year to assist with co pays if any or any other medical bill payment I only go to my doctor for yearly physical and any screenings they might order as part of that visit. I had plenty of insurance to cover all my medical expenses so I would have no reason to owe any money to XXXX. This bill is not mine and should be removed from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I went to https : //www.transunion.com/ to get a free credit report. When I signed in, they collected my credit card. I believed all of this information was for my credit report, but then I received an email saying I was billed. 

I found the website of Transunion to be intentionally deceptive. The button I originally clicked to initiate the purchase just said " My credit score & report '' and then I was only told it would cost money in a tiny little bit of text on the larger form. I believe Transunion knows that consumers think they're getting a credit report when it is actually charging them for a paid subscription, and keeps their webpage designed this way to trick consumers for their own profit.

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 2021-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
During the summer of 2020, I went to my local " Citibank '' to open a business checking account. 
I have my personal credit card, checking and savings account with this financial institution, so I decided to have my business account with them. 

The process was never finished, no paper work was provided, no account number was provided, no temporary checks, none of the basic new account items. Also no money was deposited in this account. 

Regardless, Citibank is charging me with {$43.00}. All my attempts to explain that the account wasn't technically/legally opened were in vain. 

Why do I have to pay a fee for an account that wasn't even opened? 

Thank you very much.

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 2021-01-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have attempted to remove some unauthorized inquires off of my credit for about 4 times now over the past few months with very little success. I feel as if the bureaus arent taking the time to actually delete them off of my report. All the evidence and documents have been provided so there is no excuse to keep them on my report. FTC REPORT # : XXXX This is a real claim. There are many inquiries remaining and I am demanding them to be removed, last dispute was sent XX/XX/2020. That is more than enough time to block, and pursuant to 605B if there are remaining items from last dispute they have violated that law!

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 2021-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On 2 previous occasions, I have tried to get Experian Credit bureau to report accurate information on their credit reports regarding my name and address. This will be the third and last attempt for them to get it right. Experian has a negative history reported on the Internet regarding falsely reporting of consumer credit report information and I do not want to be their next victim.

I want them to remove past residence addresses, phone numbers etc. Since I don't live at these addresses anymore the USPS can not deliver that mail to me. And they are not reportable as per the FCRA. Since they are inaccurate. Enclosing information. Also both XXXX and XXXX have received information from a creditor regarding a negative dispute date for FCRA required removal of a specific item. Both XXXX  and XXXX have removed this negative item from their reports, Experian acts like it doesn't exist. It The item has yet to be removed.

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 2021-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I called Citi bank and advised them that I made two payments in XX/XX/2020. I learned that I was being scammed and I requested to have the bank transfers reversed and put the money back into my account. I also gave them my report number of XXXX with the Federal Trade Commission. 

I paid {$9000.00} on XXXX2020 and I also paid {$4800.00} on XXXX2020. I spoke with XXXX at XXXX. A week later she told me that they had sent an inquiry to XXXX XXXX, but there was no reply yet. I also filed with ic3.gov ( FBI ). 

Why can't Citi just pull back the transfers for both of my payments now that I had reported the scam?

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 2021-01-03 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: GA

Complaint narrative:
I have sent in several letters to XXXX, equifax, XXXX  and collection accounts. On these dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket #, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. This is willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for a year now and the accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I demand that these accounts be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have attempted to remove some unauthorized inquires off of my credit for about 4 times now over the past few months with very little success. I feel as if the bureaus arent taking the time to actually delete them off of my report. All the evidence and documents have been provided so there is no excuse to keep them on my report. FTC REPORT # : XXXX This is a real claim. There are many inquiries remaining and I am demanding them to be removed, last dispute was sent XX/XX/2020. That is more than enough time to block, and pursuant to 605B if there are remaining items from last dispute they have violated that law!

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 2021-01-03 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: NC

Complaint narrative:
I have attempted to remove some unauthorized inquires off of my credit for about 4 times now over the past few months with very little success. I feel as if the bureaus arent taking the time to actually delete them off of my report. All the evidence and documents have been provided so there is no excuse to keep them on my report. FTC REPORT # : XXXX This is a real claim. There are many inquiries remaining and I am demanding them to be removed, last dispute was sent XX/XX/2020. That is more than enough time to block, and pursuant to 605B if there are remaining items from last dispute they have violated that law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I've sent in a validation letters and I'm not getting any response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$12000.00}, {$1900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I have been sending in validation letters and which I haven't got any response. I contacted original debt and was told I dont owe anything. The cellphones were returned about a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$12000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$4500.00} -This is not my account. 

2. XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$12000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$4500.00} -This is not my account. 

XXXX. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my Experian, XX/XX/XXXXand XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
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 2021-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Several months ago I received I was put in collection account with credit burros by AWA Adler Wallach Associates Inc located XXXX XXXX XXXX XXXX, XXXX CA XXXX. 
I called Collection agency and asked why are they reporting me since I have not gotten any prior notification from the XXXX or the copy who hired AWA to report me in the collection. 
I was was told that XXXX XXXX is reporting for not having insurance in XXXX. 
I had cancel the insurance with a XXXX in XXXX and wrote to them written cancelation informing them that I am getting new insurance with another company. I also told them verbal that t I no no longer wish to be purchasing insurance from XXXX In XXXX I got new insurance with XXXX XXXX. 

Before canceling with XXXX that I made one payment on XX/XX/XXXX to XXXX  to. 
I contacted AWA Adler Wallach Associates Inc and told them the are reporting me not legally and that t id have insurance with another company and that t was my decision to go with another company and is not prohibited in XXXXnited State of America. 
I have a choice whom I buy insurance on my cars and I can not be forced to have insurance and make the payment to XXXX or reported to collection agency. 

AWA Adler Wallach Associates Inc told me to show the proof of insurance with another of insurance with another company. I went to a XXXX XXXX XXXX and with my private bake send the necessary documents. SEE ATTACHMENT AWA refused to acknowledge this documents and is very aggressive toward me and not willing to remove the fraudulent reporting me to burros that is at thus time costing me hundreds thousand of dollars. 
I contacted XXXX  and spoke with a very friendly person who told me XXXX does not take written but only verbal ones ( I did cancel verbally as well ) and requests of cancelation of the insurance but she told me I am able to cancel it now upon this phone call ( XXXX XX/XX/XXXX, to sent to her proof of insurance. 
The reprehensive from XXXX vas an extremally helpful and polite. I did sent t her proof of my insurance during them the money XXXX  claim I am owe them money. Further to my pleasant surprise I received an email from XXXX  a confirmation of our conversation and the address where I must sent proof of insurance from another company. 
SEE ATTACHEMTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my XX/XX/XXXX, XX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
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 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Here is what I have sent to Equifax : I have been able for over a week to get online to release our credit reports. Temporarily unavailable. 
So I phone and get email addresses that are returned : Unrouteable address when sent to either XXXX or XXXX. I have transcripts of these calls on my Caption Call phone. 

Heres what we need : Please release the credit reports for my wife and myself in the next or two. We are trying to close a home loan. I have previously faxed the information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: GA

Complaint narrative:
I have sent numerous letters to equiax showing them that the below mentioned collection agency XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX owned by XXXX XXXX XXXX at the time ) that a debt was included in my Chapter XXXX bankruptcy. I included a list of creditors showing that the apartment complex was listed but it still shows on my report and someone still tries to collect on this debt that was discharged over 2 years ago.

Company response to consumer: Closed with explanation