vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I sent this Credit Card Company three INTERNATIONAL COMMERCIAL CLAIM WITHIN THE ADMIRALTY SELF EXECUTING CONTRACTS, They failed to respond back. These are the dates I mailed them certified mail. 

1. CO dates are as follows : first one sent XX/XX/year> - second one sent XX/XX/year> - third one sent XX/XX/year> Dates they received them are available on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear Sir : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR. 
VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS TO CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR. 
PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. 
PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 

PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSIBLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute regarding this debt. Thank you for your immediate cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: SC

Complaint narrative:
In XX/XX/year>, I transferred a XXXX tokens to my XXXX XXXX wallet address in my new XXXX account. This total value is over {$35000.00}. 

Subsequently, I accessed his account with XXXX and it showed a {$0.00} account value. I opened up a customer service ticket over 3 years ago and have contacted customer support numerous time for updates. I was informed that his account was in active recovery status, that a special recovery team was working on the matter, and that it normally takes several months to resolve. 

I have patiently followed up with their support team on numerous occasions in order to determine the status of the recovery of the tokens in his account. To date, I have not recovered any tokens in my account. 

They should be able to send the tokens back to the original wallet in which is came from. I have the XXXX transaction history verifying everything was sent successfully.

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 2024-11-03 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: NJ

Complaint narrative:
Good Evening, My Name is XXXX XXXX . I am contacting you to inform you that I am a victim of multiple data breaches from Equifax therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days I would also like to inform you that I never lived at the address associated with these accounts in New Jersey XXXX 

I have lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX since XXXX.I have been told by the Creditors stated below that someone at the address XXXX XXXX XXXX XXXX XXXX NJ is using my personal information. I have reported this to the Federal Government via an FTC Report. 

I am also disputing all the information inside public records and data furnishers such as XXXX, XXXX,, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else because like I mentioned, I never lived at XXXX XXXX XXXX XXXX, NJ

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I fully dispute the collection letter XXXX XXXX XXXX sent me dated XX/XX/year>, acting on behalf of LVNV Funding. LAST YEAR, LVNV violated my written Do Not Call request. They then reacted to my complaints by stressfully spamming me with paper Debt Validation packets around XXXX times over the span of XXXX weeks. And I never even requested Debt Validation! These anti-consumer violations were recorded through the CFPB and the PA Attorney General 's office. THIS YEAR, I'm dealing with new identity theft, new legal hide and seek games, and multiple creditors acting in absolutely nonsensical, cartoonish ways. The whole reason I'm stuck with debt I can't quickly pay off is due to years of family criminal abuse that has gone unresolved and has continued to this day. It's absurd I'm getting this XXXX collection letter right now, with THIS timing. You can not convince me this is purely a coincidence, and this isn't some sort of illegal bullying effort in tandem with other creditors, specifically XXXX / XXXX XXXX XXXXXXXX. I'm not going to pay you as a reward to violate me, when I can factually prove you've already committed violations. THE FACT I HAVE DEBT DOESN'T MEAN YOU CAN JUST DO WHATEVER YOU WANT TO ME! I am also sending this formal dispute through the CFPB with extensive attachments, which I just wasted most of Sunday XX/XX/year> assembling. I am going to re-iterate the same request I gave LVNV 16 months ago : I'm demanding that you stop contacting me about this account entirely. If you still have anything to say to me, I want our next conversation to be in front of a Judge with all the evidence laid out on the table!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: DE

Complaint narrative:
XXXX Prior CFPB Investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Late Payment Reporting and Request for Deletion Dear XXXX, XXXX am writing to formally dispute the accuracy of my credit report concerning several accounts that have been inaccurately marked as late. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a, 15 USC 1681s-2, and 15 USC 1681n , I have the right to dispute any information that I believe is inaccurate. Additionally, under 15 USC 1666b, I am concerned about the timing of the payments reflected on my report. 

The accounts I am disputing are as follows : XXXX XXXX XXXX XXXX Date Opened : XXXX Account Number : XXXX XXXX XXXX XXXX  Date Opened : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XXXX Account Numbers : XXXX, XXXX I have provided you with over 30 days to investigate and correct these discrepancies, yet no action has been taken. Your inaction has placed XXXX in violation of the above-referenced statutes. Therefore, I am requesting the deletion of all transactions marked as late for the accounts listed. 

If this matter is not resolved today, I will seek professional representation for small claims court. I am also pursuing monetary relief due to your noncompliance with the FCRA and related regulations. 

Please consider this letter a formal request for prompt resolution. I expect a written confirmation of the deletion of the late payments from my credit report within the next XXXX business days. 

Thank you for your immediate attention to this matter. 

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 2024-11-03 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: GA

Complaint narrative:
Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-11-03 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>

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 2024-11-04 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:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
XXXXXXXX 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

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 2024-11-03 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: AL

Complaint narrative:
To Whom It May Concern : We have been paying the mortgage as agreed since the start of the loan and paying the loan a year or month 's in advance. The mortgage company was supposed to start the automatic deduction of the mortgage amount for the month of XX/XX/year> but didn't. I noticed this didn't happen and I made the payment on XX/XX/year> for the month of XX/XX/year>. I made the payment for the month of XX/XX/year> on XX/XX/year> but the credit bureaus are showing I have a late payment for the month of XX/XX/year>. 

I have attached all of my payments from XX/XX/year> to XX/XX/year>.

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 2024-11-03 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: AL

Complaint narrative:
To Whom It May Concern : We have been paying the mortgage as agreed since the start of the loan and paying the loan a year or month 's in advance. The mortgage company was supposed to start the automatic deduction of the mortgage amount for the month of XX/XX/year> but didn't. I noticed this didn't happen and I made the payment on XX/XX/year> for the month of XX/XX/year>. I made the payment for the month of XX/XX/year> on XX/XX/year> but the credit bureaus are showing I have a late payment for the month of XX/XX/year>. 

I have attached all of my payments from XX/XX/year> to XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: AL

Complaint narrative:
To Whom It May Concern : We have been paying the mortgage as agreed since the start of the loan and paying the loan a year or month 's in advance. The mortgage company was supposed to start the automatic deduction of the mortgage amount for the month of XX/XX/year> but didn't. I noticed this didn't happen and I made the payment on XX/XX/year> for the month of XX/XX/year>. I made the payment for the month of XX/XX/year> on XX/XX/year> but the credit bureaus are showing I have a late payment for the month of XX/XX/year>. 

I have attached all of my payments from XX/XX/year> to XX/XX/year>.

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 2024-11-03 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
ON XXXX XXXX I SENT XXXX A CERTIFIED LETTER ASKING THEM TO VERIFY THAT I GAVE THEM PERMISSION TO RUN MY CREDIT REPORT AND THEY SENT ME A LETTER STATING THAT IT WAS FROM A 3RD PARTY. I NEVER GAVE PERMISSION FOR ANY 3RD PARTY LENDERS TO EXTEND MY CREDIT TO OTHER LENDERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to address my credit card account and the challenges Ive faced recently. Over the years, I have made timely payments and even opened additional products due to my positive experience. However, since the system update, I have encountered significant difficulties with making payments. My app continues to prevent me from processing payments for my credit card and auto loans, which has negatively impacted my financial standing. 

I have been doing my best to manage my responsibilities, especially after taking in my fXXXX who lost his home in the XXXX. We are now in need of a larger home, but my recent late payments are hindering our ability to secure this necessary accommodation. I kindly request that you consider removing the late payments from my account as a gesture of goodwill, allowing us to alleviate our financial burden and move forward positively. Thank you for your understanding and assistance.

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 2024-11-03 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:
My report numerous addresses, phone numbers, and businesses that are not mine! I also see that there are numerous hard inquiries on my report from different companies that had no permission to do so. I have multiple inquiries and accounts that are fraudulent and the information is incorrect and not in connection to my name. I called all three bureaus and asked for the information to be removed and deleted from my records and report for theyre incorrect and I will see into doing a identity theft report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: FL

Complaint narrative:
My report numerous addresses, phone numbers, and businesses that are not mine! I also see that there are numerous hard inquiries on my report from different companies that had no permission to do so. I have multiple inquiries and accounts that are fraudulent and the information is incorrect and not in connection to my name. I called all three bureaus and asked for the information to be removed and deleted from my records and report for theyre incorrect and I will see into doing a identity theft 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 2024-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Valon Technologies, Inc.
State: TX

Complaint narrative:
A year ago, I encountered financial hardship due to job loss and a reduction in income, leading me to enter forbearance on my primary home. When the forbearance period ended, my mortgage company approved me for a loan modification, and I began making trial payments on XX/XX/year>. After completing the first of the three required trial payments, the lender informed me that there was an IRS lien on the title. I explained that I have an active payment arrangement with the IRS and am current with both the IRS payments and the loan modification.

However, the lender stated that the lien must be paid in full and released for the modification to be finalized ; otherwise, the modification will be denied, and the full amount will become immediately due. In response, I hired an IRS attorney to expedite a lien subordination, which allows the lien to remain but prioritizes the mortgage. Despite this, the lender insisted they would not accept the IRS lien subordination and required either full payment of the {$98000.00} forbearance amount or {$130000.00} to clear the IRS lien before the trial period ends on XX/XX/year>. 

Currently, I lack the funds to cover these payments. I've already spent {$5000.00} on the IRS attorney to push the subordination forward, but I worry that the mortgage company won't allow sufficient time for the IRS to complete the process and will instead demand immediate payment of the {$98000.00} in past due payments, putting me at imminent risk of foreclosure.

Company response to consumer: Closed with explanation