vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Credence Resource ManagementXXXX XXXX XXXXXXXX Re : Cease and Desist Communication Regarding Account # XXXX To Whom It May Concern : This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), to demand that Credence Resource Management immediately cease all communications with me regarding the above-referenced account. 
Under 15 U.S.C. 1692c ( c ), a debt collector is prohibited from contacting a consumer after the consumer disputes the debt, except in specific circumstances, such as notifying the consumer of potential remedies that the creditor may invoke. Please take note that your continued communication regarding this debt is in violation of federal law. 
Furthermore, if you believe you have the right to pursue this debt, I request that you validate the debt in accordance with 15 U.S.C. 1692g ( b ). Until validation is provided, no further action regarding this account is warranted or permissible. 
Please consider this letter a comprehensive cease and desist request. Any further contact, including phone calls, letters, emails, or other forms of communication, will be interpreted as harassment and a violation of the FDCPA. I reserve the right to pursue legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general 's office, should these communications persist. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: UT

Complaint narrative:
So I had XXXX accounts with this company a savings and a credit card when I called to close it I asked if the money in the savings account would just be used to pay it off they said yes so I assumed anything left over I would get the difference in the mail but no XXXX mouths goes bye I find out bye the credit bureaus Ive got XXXX mouths off late payments so I call them they say sorry for someone told you that but we cant access the call records to prove that it was not my fault the company rep told me wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
I am writing to bring to your attention a pressing matter regarding the inaccuracies on my credit report. Despite submitting the XXXX XXXX bankruptcy discharge documents to your company, I have noticed that my credit report has not been updated accordingly. This oversight has had a significant impact on my financial standing and has hindered my ability to move forward. 

It appears that a thorough investigation was not conducted on my request, as the following accounts have not been reported accurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These errors have caused undue stress and hardship, as I am unable to obtain a fresh start due to the misleading information on my credit report. 

I implore you to rectify these inaccuracies promptly and update my credit report with the correct information. It is essential that the discharged debt is reflected accurately to ensure fairness and transparency in the reporting process. 

I trust that you will address this matter with urgency and professionalism. Your prompt attention to this issue is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXXXXXX Account Number : 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 2025-01-11 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: CA

Complaint narrative:
**Subject : ** Dispute of Unauthorized Credit Inquiries on TransUnion Credit Report I am writing to formally dispute several unauthorized credit inquiries listed on my TransUnion credit report. I believe these inquiries were made without my consent or valid authorization. Below are the details of the inquiries in question : XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXXXXXX XXXX ( Bank ) XX/XX/year> XXXXXXXX XXXX ( Bank ) : XX/XX/year>XXXX XXXX  ( Finance ) XX/XX/year> I did not authorize these entities to access my credit file or submit these inquiries. Under the Fair Credit Reporting Act ( FCRA ), unauthorized inquiries violate my rights as a consumer and negatively impact my credit score.

I kindly request : 1. Immediate investigation into these inquiries.

2. Removal of any unauthorized inquiries from my credit report.

3. A written explanation regarding this matter.

Thank you for your prompt attention to this matter. I look forward to receiving updates and a resolution through the CFPB portal. 
Sincerely, XXXX XXXX Social Security 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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have reviewed my report and identified inquiries that I did not authorize, and I request an investigation into their legitimacy. If the inquiries can not be verified with evidence of my consent, I request that they be removed immediately. 
Below are the details of the inquiries in question : Company Name : NCA Date of Inquiry : XX/XX/year> Amount : {$560.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. If these inquiries can not be verified as authorized by me, I request their removal. 

Thank you for your time and attention to this matter. I look forward to your response and resolution within the 30-day period required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
On XX/XX/year>, I sent the Transunion credit bureau a certified letter requesting the removal of XXXX XXXX XXXX from my credit file, due to the agency 's failure to provide debt validation. When I initiated a CFPB complaint against XXXX XXXX XXXX, they provided a document stating they sent me validation, but the document contained an incorrect address that I was never associated with in my life and it was missing the items I originally requested ; however, XXXX XXXX XXXX used that as justification of sending items to a erroneous address to be able to place the collection account on my credit file. This deceptive practice from XXXX XXXX XXXX directly violated my consumer rights protected under the Fair Debt Collection Practice Act. This federal law protects consumers from abusive debt collection practices by requiring debt collectors to provide information about the debt when requested, including verification of its validity. To prove my case to Transunion, I submitted the document that I received directly from XXXX XXXX XXXX with the incorrect address as justification to highlight this violation of the FDCPA law and requested removal from my credit file, but that request was denied. 

Transunion as a credit bureau is legally obligated to remove errors from a credit report if you dispute them and provide sufficient evidence that the information is inaccurate ; this is mandated by the Fair Credit Reporting Act ( FCRA ) which requires them to investigate and correct any errors within 30 days which in my case was not completed. I provided the documentation of the violation, yet Transunion allows the collection account to remain on my credit file, thus assisting XXXX XXXX XXXX to continue to violate my consumer rights.

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 2025-01-11 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: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to formally notify you of an attempt to collect on the alleged debt referenced below are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXXXXXX XXXX AND XXXX XXXX XXXX XXXXXXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that these companies have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my request are as follows : Promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address they have on file. 

Account : LVNV Funding LLC c/o Resurgent Capital Services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: UT

Complaint narrative:
I have reported this to you in XXXXXXXX XXXX XXXX. Gemini Trust LLC lied to you in their email response and said my issue had been resolved. I purchased cryptocurrency on Geminis exchange over XXXX XXXX. I attempted to transfer my crypto to my own cold storage wallet then discovered a security hold on my account. 

At one point I sold some XXXX  and paid their fees thinking I can get my money out, oh boy I was wrong. Then I spent more money on fees to buy more XXXX back in case the value of XXXX rise. {$700.00} on fees alone and lost money because I paid a higher cost now on XXXX. There is no one to talk to to get this resolved. I am not paying fees on Geminis exchange to get my crypto out. Many other exchanges I was able to simply transfer them out except in Gemini. Gemini LLC is a scam exchange and very shady. I need help please!!! This is my entire life saving. I dont know what else to do all Gemini does is ignoring me yet they are holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I made a settlement arrangement on XX/XX/XXXX and payment to Navy Federal Credit Union in the settlement amount of {$6200.00} on the arranged date of XX/XX/XXXX. I requested via email at XXXX. This was the same email that the company requested I use, and sent communications to me. They refused to respond to communication, and are attempting to collect more after the settlement. 

On XX/XX/XXXX I received an additional communication from messages.navyfederal.org, requesting me to pay another {$890.00} on an account that should have been settled and closed. 

The account no longer appears on my Navy Federal portal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XX/XX/year> Transworld Systems Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Transworld Systems inc, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
Someone obtained my card numbers virtually and spent around XXXX in around XXXX separate charges to platinumlist.net from my Current banking account. When I reached out to the website about the fraudulent charges, they said they couldnt help without me having an account with them. Current cancelled my card and sent a replacement. Current then let me dispute the charges, however, are saying it can take up to 90 days to be approved and only XXXX of the multiple repeat charges has been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Kikoff Inc.
State: CA

Complaint narrative:
I am disputing the collection account with KIKOFF account number XXXX XX/XX/year>, with a balance of $ XXXXThis account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card XXXX XXXX XXXXXXXX XXXX XXXX  opened on XX/XX/XXXX. 
XXXX  charge card opened on XX/XX/XXXX. XXXX opened on XXXX XXXX XXXX XXXX opened on XX/XX/XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws The credit bureau are not removing these negative items of my credit report I will sue XXXX XXXX and TransUnion if these negative items arent removed. They violated my credit consumer protection rights too many times.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I filed a FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card XXXX XXXXXXXX XXXX credit card opened on XX/XX/XXXX. 
XXXX charge card opened on XX/XX/XXXX. XXXX opened on XXXX XXXX XXXX XXXX opened on XX/XX/XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws The credit bureau are not removing these negative items of my credit report I will sue XXXX XXXX and XXXX if these negative items arent removed. They violated my credit consumer protection rights too many times.

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