vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Yes I have bankruptcies reporting on my credit report that does not belong to me, I will providing documentation that they do not belong to me and they should be removed immediately due to my rights, I will be sending proof of my identity of my new address and that its me filing this dispute

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 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I HAVE DISPUTED THIS SEVERAL TIMES AND IT COMES BACK ON MY CREDIT REPORT CONCUMER DISPUTED THIS ACCOUNTS INFORMATION BUT IS STILL DRAINING MY CREDIT SCORE

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 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
The amount that company trying to collect is the wrong amount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Capital One for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809, which pertains to the validation of debts. 
Details of the Complaint 1. Debt Collector Information : Name of Debt Collector : Capital One Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX. Account Information : Account Numbers : XXXX, XXXX, XXXX Original Creditor : Capital One Date of Initial Contact : XX/XX/year> XXXX. Violation of FDCPA : On XX/XX/year>, I sent a written request to Capital One asking for validation of the debt, as permitted under Section 809 ( b ) of the FDCPA. I requested that they provide proof of the debt and cease all collection activities until verification was provided. 
Despite my request, Capital One did not provide the requested validation of the debt. They continued their collection efforts without furnishing any evidence proving that I owe the debt or that they have the right to collect it. 
4. Supporting Documentation : Remarks on credit report : Requested Action : I respectfully request that you investigate this matter and take appropriate action against Capital One for their failure to comply with the FDCPA. Additionally, I would appreciate assistance in ensuring that this issue is resolved and that this illegal account is removed from credit report and no longer causing catastrophic adverse actions. 
Thank you for your prompt attention to this matter. Please contact me if you require any additional information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this complaint to dispute a collections account that appears on my credit report. I have reason to believe that this account is not a valid debt, as the debt collection agency listed on my credit report, XXXX XXXX XXXX XXXX XXXX, does not have a license to operate in the State of Georgia, where I reside. 
I have enclosed evidence to support my claim, including a copy of the XXXX consumer access list of licensed debt XXXX and a copy of my driver 's license, which confirms my residency in Georgia. 
As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. In addition, Georgia law requires debt collection agencies to obtain a license from the Georgia Department of Business Oversight ( DBO ) before engaging in debt collection activities in the state. 
Given that XXXX XXXX XXXX XXXX XXXX does not have a license to operate in Georgia, I request that you immediately remove this collections account from my credit report. If you are unable to verify the legitimacy of this debt, I request that you remove it as well, as it is in violation of the FDCPA and the RFDCPA. Im a requesting a cease and desists immediately. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, 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 explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am writing this complaint to dispute a collections account that appears on my credit report. I have reason to believe that this account is not a valid debt, as the debt collection agency listed on my credit report, Spring Oaks Capital , LLC, does not have a license to operate in the State of Georgia, where I reside. 
I have enclosed evidence to support my claim, including a copy of the XXXX consumer access list of licensed debt XXXX and a copy of my driver 's license, which confirms my residency in Georgia. 
As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. In addition, Georgia law requires debt collection agencies to obtain a license from the Georgia Department of Business Oversight ( DBO ) before engaging in debt collection activities in the state. 
Given that Spring Oaks Capital , LLC does not have a license to operate in Georgia, I request that you immediately remove this collections account from my credit report. If you are unable to verify the legitimacy of this debt, I request that you remove it as well, as it is in violation of the FDCPA and the RFDCPA. Im a requesting a cease and desists immediately. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LJ Ross Associates
State: MI

Complaint narrative:
I was contacted by L J ROSS ASSOC about bank account issue with XXXX XXXX Bank. I informed them I was refusing to pay bill over excessive charges to my account. They told me there was nothing they could do ( I'd have to contact XXXX  XXXX ), but if I did not pay them, they would report to credit Bureu. I asked them if I paid in full right now, over three payments would they agree not to report to Bureu. They agreed, and all payments were made on time. Once all three payments were made, they reported me as late to XXXX and XXXX.. I disputed with both bureu 's but they only updated record to reflect I was paid in full. They refused to take away late payments. I was never late. I paid as agreed. They broke the agreement!!.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am unaware of this debt. I did not have a opportunity to dispute this information. if in fact you believe you give me proper notification. Then please send me the certified mail receipt with my signature. Also can you furnish the contact or agreement between you and I. With my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
-Car was purchased on XX/XX/XXXX. All purchasing was completed ONLINE through XXXX app - Loan payment was made in XXXX online to bring account up to date - Wells Fargo denies claims that I enrolled in autopay saying account was not up to date - XX/XX/XXXX I open a letter telling of repossession and stating that the full principal balance is due -I contact wells fargo immediately and they claim they have called multiple times regarding loan ... they admit to calling THE WRONG NUMBER -My loan has 3 forms of contact on it with email proof of the 3 forms of contact, they refused to call the other number or email me -I spoke with XXXX who first claimed they dont call the 2nd number because " they dont like to bother people at work '' ... they he later stated that I never gave consent to call that number despite it being listed on the legal document. 
-Over the past 8 months Wells fargo has emailed me regarding credit card offers but not my auto loan, not even a receipt for an online payment... 
- On XXXX  XXXX, XXXX told me he would contact me with reasoning for Wells fargo not contacting the forms of contact that were given - On XXXX XXXX Wells fargo claimed they were sending me a letter regarding the final verdict on my loan. Today is XX/XX/XXXX, I have email proof that my notifcations/statements are to be emailed and mailed, yet I have received nothing Wells Fargo demanded a payment of over XXXX on XX/XX/XXXX without notifying me of how to pay or where to pay despite not sending me a final verdict on my loan. 
-Wells fargo has committed unfair business practices with refusing to contact me depsite having my contacts on a legal contract, refused to give me a verdict on my account and demanding a payment beforehand -Their website claims they provide a CURE letter to reinstate the loan and catch up on payment which i have offered and told them I can, yet they have refused this - Wells fargo reports they reported delinquency to credit bureaus for mid XXXX, yet wont allow for " CURE letter '' to occur despite contact to them 2 weeks later

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$880.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXX/XX/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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-16 00:00:00
Product: Credit reporting 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Apple Card/ GS Bank Card USA for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809, which pertains to the validation of debts.

Details of the Complaint Debt Collector Information : Name of Debt Collector : APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account Information : XXXX Date of Initial Contact : XX/XX/year> Violation of FDCPA : On XX/XX/year>, I sent a written request to Apple Card/ GS Bank Card USA asking for validation of the debt, as permitted under Section 809 ( b ) of the FDCPA. I requested that they provide proof of the debt and cease all collection activities until verification was provided.

Despite my request, Apple Card/ GS Bank Card USA did not provide the requested validation of the debt. They continued their collection efforts without furnishing any evidence proving that I owe the debt or that they have the right to collect it. 
Supporting Documentation : Credit report remarks on account : Previously In Dispute - Now Resolved - Reported By Subscriber Requested Action I respectfully request that you investigate this matter and take appropriate action against Apple Card/ GS Bank Card USA for their failure to comply with the FDCPA. Additionally, I would appreciate assistance in ensuring that this illegal account is deleted from my credit report to prevent any additional catastrophic damages to my credit report.

Thank you for your prompt attention to this matter. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account was opened on date XX/XX/XXXX and closed on XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Equifax failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account name : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have never applied for credit with this company for anything, they some how got a hold of my information, took information from my credit personal credit file, and lied to get this information, i have no idea who they are. They keep harassing me by phone, i want them locked out of my personal information. They are fraudlant and crooks. I never even heard of this company, i am very angry about this company, what gives them the right to authorize a person personal file, and place it on a credit report, like they were a creditor, they are ditry, and i want them locked out of this file. 

thereis another company XXXX XXXX same situtation with them, I've never applied for credit or heard of them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX 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 explanation