vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX Finance Companies - non specific XXXX  XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX  XXXX Auto Financing XXXX Finance, personal XXXX  XXXX I Credit card and travel / entertainment companies XXXX XXXX Finance, personal XXXX XXXX All Banks XXXX XXXX  Mortgage Reporters These unauthorized inquires I've sent on XX/XX/20 have been affecting my credit profile, and costing me thousands of dollars in interest that I cant get back, and also have been costing me job opportunities. It's been embarrassing for me and my family. It's already stressful during these times of covid, and I dont think I should be penalized for it. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, and to my knowledge, I do not recall giving consent or written agreement for any of these inquiries. According to 15 US 1681 ( n ), and 1681 ( o ) this a direct violation of the law, and the fair credit reporting act. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

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 2021-01-31 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: CITIBANK, N.A.
State: FL

Complaint narrative:
since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. 
all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. 

Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX every time i called the XXXX, XXXX and XXXX  credit bureaus, they tell me something different non sense. please help me to sort this out.

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 2021-01-31 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: AmeriCollect
State: GA

Complaint narrative:
AMERICOLLECT INC Reported : XXXX XXXX, 2021 {$1000.00} There are no contracts, no valid claims ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$620.00} There are no contracts, no valid claims ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: Creditors Bureau Associates
State: GA

Complaint narrative:
CREDITORS BUREAU ASSOCIA Reported : XXXX XXXX, 2021 {$860.00} There are no contracts, no valid claims ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: FULTON FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX FULTON BANK NATIONAL ASSOCIATION FULTON BANK XXXX XXXX XXXX XXXX XXXX, NJ XXXX CHECKING ACCOUNT # XXXX OPEN XXXX {$380.00} XXXX CHECKING ACCOUNT # XXXX CLOSE XXXX {$370.00} XXXX DEBIT CARD VISA # XXXX XXXX XXXX XXXX IRREGULARITIES IN THIS BANK : 1- Fulton Bank Statements mention my account as a PRIMAY ACCOUNT. I AM UNAWARE if there is a SECUNDARY ACCOUNT or OTHER FRAUDULENT ACCOUNTS IN MY NAME. I just opened the Account ABOVE. 
2- In the Bank Statements , my Bank Account Number is not mentioned fully. 
3- Fulton Bank did not want to provide me the 2019 FORM 1099-INT.

Due to after moving from this bank to another state bank, I continue to be harrassed in the same way as in New Jersey, ( I suspect Fulton Bank sent MY UNDER INVESTIGATION STATUS ), the consequences OF FULTON BANK FRAUDULENT GOSSIPS HAS CAUSED ME THE FOLLOWING : I have lost a big amount of money moving from state to state ; lost a big amount of money selling my properties immediately after I purchase them ; I am being rejected socially due to people believe I am a criminal or I am crazy ; I have been harassed, I strongly suspect by bank under cover officers. Lies ( that I am a criminal or that I am crazy ), are being spread to my neighbors, church members, employers, singles groups etc. I have been fired from several jobs without any valid reason, and I have been rejected, CONTRADICTORILY, one day after I have been hired VERBALLY. My car have been vandalized ; My personal homes have also been broken into. When I reported it to the Police I was told no one is harassing me, no one is vandalizing my properties, and that I am crazy. The police minimize the problem justifying the police officers, or ignoring at all my complaints. ANY LAWYER WANTS TO SEE MY CASE. XXXX, emails, and cellular phone have been hacked and impersonated bothering my friends and me. 

- Cashiers Check from previous bank is attached ( XXXX XXXX XXXX XXXX ) - Closing transaction is attached. 
- Cashiers check closing account is attached. 
- Bank CLOSING statement is 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 2021-01-31 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:
since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX every time i called the XXXX, XXXX  and TransUnion credit bureaus, they tell me something different non sense. please help me to sort this out.

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 2021-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have sent communications to Portfolio Recovery Associates starting XX/XX/2020 seeking validation for an item XXXX XXXX XXXX XXXX  XXXX placed on my credit report. To date, they've not satisfied the validation requests that has been made by me. I reached out to the three credit reporting bureaus as well informing them this collection has not been validated to me and if it has been validated with the credit bureaus, at this point someone should send me the validation. I also let the credit reporting bureaus as well as the creditor know the FTC opinion letter from Attorney XXXX XXXX XXXX points out that a printout of a bill or itemized document does not constitute verification. 

The creditor has yet to send any sort of validation as well as ignored my request for proof that they are legally able to practice business in my state. I strongly feel the above listed company is in violation of FCR by placing derogatory items on my report and responding with the validation information requested within 45 days. I also feel like the remaining credit bureaus are also in violation by not removing the derogatory information after failed validation attempts. With that said, I have the receipts from the certified copies sent as well as copies of all communications sent including the help I solicited through the XXXX. At this point, I want to file an identity theft complaint against Portfolio Recovery and a defamation of character complaint against the remaining credit bureaus for not removing the derogatory information until the validation request has been satisfied. Please let me know if you need the paper trail and I will gladly move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital one is basically telling its customers that if they dont have a phone you can't access your account online period it doesn't matter if you dont have the means to get a phone or access it doesn't matter if you have a XXXX, they won't let you into the account. 



I want to make this very clear about what happened to me as I have been held XXXX by this. I had attempted to log in to my account back in XXXX when the site required a Mobil text verification, I dont have a phone I dont have access to a phone so in a panic I tried to contact capital one via chat and they said oh you can mail the payment. They payment was due in a few days and they didnt care that couldnt log into the account and by mailing payment would make the account delinquent so I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have told capital one this and they dont care they will not allow me access to my account remotely via the computer. 



The capital one caf wasnt able to expedite my complaint, they have no email contact, their social media page refuses to help and they blatantly say Theres nothing they can do. 

They are essentially forcing people to purchase a phone in order to receive a simple text message and I will not be forced to do that when I am in no position to do so. 



I have been held XXXX now for six months and at this point where if they continue to refuse not to resolve this matter than I will retain an attorney and I will pursue capital one for damages. They will not force me to obtain a Mobil phone or any other capital one customer. They should be trying to work this out so they can do an alternative means of verification but they refuse to do so. But with that being said if they chose to refuse to even make an attempt to resolve this with the XXXX  then an attorney will be retained and they will be contacting capital one and maybe then they might change their tune but I am giving them one final opportunity to resolve this because what they have put me through is not I am very serious when I say I will pursue legal action I have tried to work this out with capital one but they refuse to even attempt to resolve this so either resolve the matter or I will move forward with legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: FL

Complaint narrative:
since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX every time i called the Experian, XXXX  and XXXX  credit bureaus, they tell me something different non sense. please help me to sort this out.

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 2021-01-31 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:
i checked my bank account and had a charge of {$26.00} from transunion on XX/XX/21. ive never even received a credit report from this company. i called their customer service & they told me my account is locked & they can not tell me what im being charged for. they told me to submit a bill with my name on it. i dont pay bills, im XXXX i have mo credit. if i have no credit, why am i being charged for a credit report i dont have? i cant even view the report there isnt one.

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 2021-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
Heartland XXXX is over billing for services that they never provide, additionally we are being billed for not filling out a Merchant services survye that we never received or knew about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I opened a credit account with XXXX XXXXComenity Bank, I believe in XXXX. I shopped there only occasionally, but every time I received a bill, I paid it on time. The next thing that happened was that Comenity sent me a letter dated XX/XX/XXXX saying that my account was closed and charged-off and sold to XXXX XXXX XXXX XXXX XXXX. I never received a statement for the amount it claims I owe, and I never received any written notification from Comenity Bank prior to the XX/XX/XXXX letter. I checked my credit report and Comenity has reported the alleged debt to the credit reporting agencies. The reports indicate that the charge-off amount is {$450.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Factual did not have permissible permission to access my private information. Factual Data said they would get the inquiry removed months ago, Factual Data claims to have disputed with other companies that have hired Factual Data BUT I DID NOT SIGN ANYTHING AUTHORIZING FACTUAL DATA TO ACCESS MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX sold a debt, that I do not owe to debt collection agency by name of Credit and Collection service. I have never been insured by this company. At the time they said I was insured by them, I was underage and otherwise not legally capable to buy insurance for myself

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation