vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the validity of the debt you have reported on my credit report in reference to Account Number XXXX. This letter serves as a request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and also notifies you of your violations under 15 U.S.C. 1692c ( c ), 18 U.S.C. 894, and the Fair Credit Reporting Act ( FCRA ).

Fraudulent Reporting and Debt Validation It has come to my attention that Portfolio Recovery Associates is reporting fraudulent and inaccurate information regarding the above-referenced account on my credit report, which has caused me to be denied credit. As required by law, I demand that you : 1. Provide a full validation of this alleged debt, including an itemized breakdown of the amount owed. 


XXXX. Supply documentation proving the assignment contract or purchase agreement that confirms your full ownership and right to collect on this alleged account. 


XXXX. Include all original documents related to this debt, such as the original signed agreement or contract. 



Cease and Desist Violations I previously sent you a cease-and-desist letter regarding this matter. Despite this, you have continued to violate my rights by contacting me multiple times per day and night through spam calls and other means. These actions are in direct violation of 15 U.S.C. 1692c ( c ) and constitute harassment under 18 U.S.C. 894.

Request for Licensing Information Additionally, I demand that you provide proof of your license to collect debt in the state of Georgia. Failure to comply with state licensing laws further undermines the legality of your collection practices. 

Invoice for Violations Your continuous violations of my rights under the FCRA and FDCPA have caused unnecessary distress and financial harm. Therefore, I am invoicing Portfolio Recovery Associates {$1000.00} as compensation for these violations. 

Legal Precedents and Deadline In accordance with relevant legal precedents, including XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX ) and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), you are obligated to provide accurate and substantiated information when reporting debts and must cease unlawful practices immediately. 

You are hereby notified that you have 15 days from the date of this letter to respond and provide the requested documentation and payment of the {$1000.00}. Failure to respond adequately within this timeframe will result in further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), and pursuing remedies through the courts. 

Please direct all correspondence regarding this matter to my address listed below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I have been struggling for over a month to use their XXXX  cards, they send me a replacement but they are still not activated even though i did send ID and documents for more than XXXX times. I have contact the customer service to open a case since i couldn't ; track my problem. Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: Lendmark Financial Services
State: GA

Complaint narrative:
Account Name : LENDMARK Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: GA

Complaint narrative:
Account Name : XXXX  Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: GA

Complaint narrative:
Subject : Fraudulent Accounts and Unauthorized Inquiries Identity Theft I discovered fraudulent accounts and unauthorized inquiries on my credit report, which are the result of identity theft. These accounts and inquiries are harming my credit and do not belong to me. Despite providing supporting documentation, including an FTC Identity Theft Report and a police report, the credit reporting agency has failed to remove the fraudulent information in violation of the Fair Credit Reporting Act ( FCRA ) Section 605B. 

Details of the Fraudulent Information : Fraudulent Accounts : XXXX XXXX Account # XXXX, {$500.00} reported balance XXXX XXXX XXXX XXXX {$1100.00} reported balance Unauthorized Inquiries : [ List the unauthorized inquiries as shown in your letter. ] I have formally disputed this information with the credit reporting agency and provided all necessary documentation. I requested that the fraudulent accounts and inquiries be blocked and removed from my credit report within four business days, as required under the FCRA. However, the agency has failed to act or provide a valid explanation for their inaction.

Requested Resolution : I demand the immediate removal of the fraudulent accounts and all unauthorized inquiries from my credit report. I expect the credit reporting agency to comply with the FCRA and confirm the resolution of this issue in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed derogatory and collections that I did not make nor did I approve anyone to pull 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 non-monetary relief
Consumer complaint received 2024-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated, or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I'm small business owner, i call citi bank because my debit card stop working, after verification process they trying to connect me with fraud department and asking me for phone number to call back in case call get disconnected, after maybe 15 min i received call from fraud department and they ask me to disconnect previous phone call, so we continue with verification message and once i provide code i receive they asked about 2 transactions and did i try to connect my debit card to apple valet what i actually try to do 3-4 days ago, after that they saying they will block my card and to not log in to my acc for 24-48hr. 
That get very suspicious and i log in at same moment and realize wire transfer for amount of {$48.00}, i call bank again and report unauthorized wire transfer, bank start investigation and basically telling me they can not do anything but to fallow up periodically because investigation can take up to 90 days

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 2024-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Payward Ventures Inc. dba Kraken
State: NC

Complaint narrative:
I created an account with XXXX about a month ago and initially deposited {$8000.00} as an investment, purchasing XXXX along with a few other cryptocurrencies. Approximately two weeks later, I attempted to withdraw a portion of my funds, but XXXX informed me that my withdrawal had been suspended. 

Since then, the price of XXXX has increased, and I am in urgent need of access to my funds. I have reached out to customer support multiple times, but it seems they do not have a clear way to assist me, as their responses have been repetitive and unhelpful. 

Despite having two-factor authentication enabled and having recently changed my password, I submitted a recovery photo as requested. Although I provided a clearer photo after their initial feedback, I have yet to receive a response after almost two weeks. 

I am becoming increasingly concerned about the situation and wondering what is happening with my money. I would appreciate any guidance or assistance, as my experience with XXXX 's support has been quite frustrating. 

For reference, my ticket number is # XXXX, and the email associated with my XXXX account is XXXX but you could easily access me with my registered email on this website which is XXXX Thank you for any help you can provide.

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 2024-11-24 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: FL

Complaint narrative:
Subject : Request for Action Regarding Equifax Data Breach Failures and Incorrect Information on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint and request your assistance regarding issues with my credit report from Equifax, which I believe are related to the recent data breach. Despite my efforts to resolve these problems directly with Equifax, I have experienced continued inaccuracies and failures in addressing the following issues : Failure to Block and Remove Incorrect Accounts : I have several accounts on my credit report that I believe were incorrectly reported or associated with my name due to the Equifax data breach. The following accounts remain on my credit report, and I request that they be removed or properly investigated : XXXX  Account # XXXX ( opened XX/XX/XXXX ) XXXX XXXX Account # XXXX ( opened XX/XX/XXXX ) XXXX XXXX Account # XXXX Account # XXXX ( opened XX/XX/XXXX ) XXXX Account # XXXX ( opened XX/XX/XXXX ) XXXX  Account # XXXX ( opened XX/XX/XXXX ) XXXX  Account # XXXX ( opened XX/XX/XXXX ) Failure to Remove Incorrect Hard Inquiries : My credit report also shows several hard inquiries that I do not recognize or believe were incorrectly added due to the breach. These inquiries include : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Update My Address : I also request that my address be updated to my correct mailing address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX.Despite numerous attempts to work with Equifax to resolve these issues, they have failed to address my concerns in a timely manner. I am requesting that the CFPB intervene and ensure that the incorrect accounts and hard inquiries are removed from my credit report, and that my address is updated accordingly. 

Please let me know if any additional information is required to process this complaint. I appreciate your attention to this matter and your assistance in resolving these issues. 

Thank you for your time and consideration. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
There is an attempt to collect {$230.00} from a debt collection agency named XXXX XXXX XXXX. They claim this is an account that was opened under my name under a credit line with Syncrony Bank. 

The first time I learned of this debt was through a telephone call from the collection agency sometime in XXXX or XXXX. I told them that I never opened that account. They are collecting from the wrong person. The agent did not care to listen to my complaint or dispute and the phone call ended with no action or guidance from the agent. Prior to this call I did not receive statements or letters from Syncrony and had no knowledge of this account. 

My daughter also sent the XXXX emails dated XX/XX/XXXX, and a XXXX one on XX/XX/XXXX on my behalf, again disputing this account, letting them know it's either a fraud OR a possibly an error on their part that this credit line was connected to me.

My daughter advised to review my credit report since it had been many years I checked it. When we did so we did find several addresses and employers on my credit profile to which I never lived or worked at so now we think the Syncrony Bank card may have been opened fraudulenty. We have since disputed those items with the credit bureaus and successfully removed them. 

We now opened a fraud alert with XXXX and reviewed this account with them.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: IN

Complaint narrative:
This account was charged off on the following date ( XX/XX/2023 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2024-11-24 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: IN

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! Attached you will also find my FTC identity theft report, my ID that both verifies my personal information as well as my CURRENT address.

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 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase bank keeps freezing my credit after I pay for my credit card so, it will show that I have credit to use after I make a payment several days later and when I go to use it, it declines. Its so humiliating standing in stores and your they get the prompt that you dont have enough funds when you do. This happened 3 times each time I called them they released the funds. The third time which was today, I complained about how this keeps happening and that it should stop and they said they cant guarantee it wont happen again and they will release funds again but it was taking so much longer than usual!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: IL

Complaint narrative:
As of XXXX XXXX XX/XX/year> there has been many hard inquiries placed on my credit report. I didnt authorize these companies to pull my credit, nor did I apply for any loans with these companies. There is XXXX inquiry I do recognize and thats XXXX XXXX  thats my current bank, but as for the others in XXXX  in XXXX and XXXX those arent my responsibility I didnt apply to these companies nor did I give them permission to access my credit/ Credit report. We have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> I didnt authorize any of these.

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