vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
To Whom It May Concern : I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and, the current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : 1. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR 2. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT 3. ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT 4. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact 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 2024-11-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I am writing to formally file a complaint against Global Lending Services LLC XXXX XXXX XXXX XXXX ), with whom I have an active auto loan. I am a resident of Georgia, and I believe Global Lending Services LLC may be conducting lending activities in Georgia without the required licensing, as they do not appear to be licensed through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to operate in this state. 

It is my understanding that, under Georgia law, any lending institution engaging in business with Georgia residents must obtain the appropriate licensing to ensure compliance with state regulations and to protect the interests of borrowers within the state. Specifically, lending institutions are required to hold an active license in the XXXX registry as mandated by the Georgia Residential Mortgage Act and other state regulations governing financial institutions. 

As a consumer who resides in Georgia and does business with Global Lending Services LLC, I am concerned about the potential violation of Georgia law in this case. I kindly request that the Georgia Department of Banking and Finance investigate Global Lending Services LLCs compliance with state licensing requirements to determine if any corrective actions are needed to safeguard Georgia consumers. 

Thank you for your attention to this matter. Please feel free to contact me should you require any further details or documentation regarding my complaint. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off 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 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 XXXX Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX I opened a charge account with XXXX ( TD Bank ) that offered 18 months no interest with payments. I set up auto payments right away so that the balance would be paid in plenty of time to avoid interest. In XX/XX/XXXX I used the account for another purchase with 24 months no interest with payments and adjusted my payments. 
In XX/XX/XXXX I saw that the first charge had to be paid so I initiated a one time payment for the balance on top of my normal monthly payment. When I received my XXXX statement the first balance was till open and was charged {$350.00} in interest. I tried to log in to my account and at first was unsuccessful due to a system upgrade. When I was finally able to get logged in I could not see any past statements, activity or anything so I tried to call. I spent over an hour on hold the first time before I had to get off the phone. I tried again and again and again and spent at least 35-40 minutes on hold each time in queue to talk to someone. I finally got a hold of someone on XX/XX/XXXX and we went over everything and she said she saw the regular payments but figured since I paid a large amount that month that the normal payment was not taken. This left the second charge with no payment so they divided the payment up and left a balance on the first charge so I got charged interest as per the contract. She then went on to say that they could normally correct this but I did not call soon enough. This enraged me and I told her again how I have tried calling for two months on many occasions and could not get through. She said she new the phone system was crazy but said she could not do anything. I told her I even entered a help message on the online portal that I could not get through. She looked and saw my message and said that they responded through the portal. I asked where and she walked me through how to find it and all it was a response telling me to call in to the same number I had been trying. I told her I wanted to talk to a supervisor and she said all she could give me is a email address. I asked her to send me statements because I still could not access them online and she said the upgrade really messed up their system and she HAD to mail them, which I still have not got them. I emailed the supervisor email on XX/XX/XXXX and got no kind of acknowledgement so I emailed again on XX/XX/XXXX and they responded back that my email has been forwarded to the Complaints Team and is being reviewed and I will be notified in writing of their response. Still have heard nothing .... Since then I have been charged more interest and late fees. I want all interest and fees refunded and i will pay off the balance and close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
After I filed for XXXX XXXX XXXX XXXX a reaffirmation loan with Ally. They have yet to add it to my credit report one and a half later and arent reporting the on time payments Ive made on it. I need this loan to be reported as im trying to trade in car or refinance the loan. All I want is for them to report it to the credit bureaus, especially since i signed the reaffirmation loan agreement option. Somethings been off with the numbers as well so I want someone to take a look at it but cant since its not on my credit report. Please, please just report it to the bereus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
The account / credit card ending in XXXX with capital one is still showing up as owing {$580.00}. This account has been paid up over 5 years ago and I have been battling this with capital one, XXXX XXXX XXXX XXXX but still they havnt taken it off my credit report. This has been going on for over 1900 days. Im sick of this. Its completely ridiculous and nobody is doing anything to resolve ( capital one or credit bureaus ) please help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
What happened?

Spring Oak Capital LLC has failed to send me a Privacy Notice which is a violation of 12 CFR 1016.4 Fair Credit Reporting Act and Privacy Act of 1974. I have not given written consent to niether corporation to furnish any information to my consumer report. Thats a violation initial privacy notice to consumers required 12 CFR 1016.7, Form of opt out notice to consumers, 15 USC 6802 Obligation with respect to disclosure of personal information. In closing I have not received a 1099 C for this discharge of debt from the original creditor which is also a violation. And my consumer report score and further causing pain off suffering with in accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Ann Taylor uses Comenity Bank for its store credit card. On the XXXX statement mailed to us there was charge of {$2.00} for a paper bill. We called to question this charge that was not previously disclosed, and the customer service agent said they would waive the charge if we switched to electronic billing, which we did. We were instructed to pay the actual balance of the purchase, which was {$18.00}. Payment of this amount was confirmed on XXXX XXXX XXXX No other purchases were made on this account since that time. 

On XX/XX/year>, a late fee for the {$2.00} was issued in the amount of {$2100.00}, the total of the {$18.00} purchase ( paid on XX/XX/XXXX and confirmed by logging into Comenity account and the {$2.00} paper statement fee. The bank then added a minimum {$2.00} minimum interest fee. In XXXX unbeknownst to us they added another {$2600.00} late fee and an additional {$2.00} minimum interest charge. They now say we owe {$54.00} for this. 

This is clearly unethical. Nothing has been purchased, our payment was not late. Please contact this bank on behalf of us and all other consumers who are faced with deceptive practices like this, which I believe Comenity bank is famous for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report. 
The following accounts were not opened by me and should be immediately blocked and deleted : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please consider this letter a formal dispute of the

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I received an offer from Citizens Bank for an up to {$500.00} bonus if the following conditions were met : 1 ) have an existing personal checking account or open your first new personal checking account between XX/XX/XXXX and XX/XX/XXXX and, 2 ) minimum total deposit of {$10000.00} or more into a single savings account between XX/XX/XXXX and XX/XX/XXXX, and 3 ) Savings account must maintain the required balance until XX/XX/XXXXXXXX XXXX XXXX 

I deposited {$10000.00} ( not already on deposit with Citizens ) into my existing savings account on XX/XX/XXXX. This minimum balance of {$10000.00} was maintained through XX/XX/XXXX. I withdrew no money from this account during this time period ( XXXX XXXX XXXX XXXX XXXX 

I did not receive my {$500.00} bonus, which was promised to be paid out by the end of the day on XX/XX/XXXXXXXX 

See all attachments for offer email and evidence of met requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-05 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: IL

Complaint narrative:
Made complete payment of XXXX $ and XXXX $ payment to XXXX XXXX XXXX XXXX And under 20 % utilization. 

In addition made a payment to XXXX XXXX XXXX XXXXXXXX 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Made complete payment of XXXX $ and XXXX $ payment to XXXX XXXX XXXXXXXX XXXX And under 20 % utilization. 

In addition made a payment to self credit card 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
Consumer complaint received 2024-11-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed some fraudulent activity. Please remove these accounts from my report they are damaging my credibility and livelihood.please remove these accounts Immediately! I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( 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

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