vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Re : Cease and Desist Demand Regarding Account : XXXX To Whom It May Concern : This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ), that you immediately cease and desist all communication with me concerning the alleged debt referenced above. 

I hereby dispute the validity of this debt and assert that your continued reporting of this inaccurate information to credit reporting agencies without proper notice constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Such actions are damaging to my creditworthiness and are unlawful.

If you fail to comply with this demand, I will not hesitate to : - File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as notify the Attorney General 's office in my state.

- Pursue all available legal remedies against your organization, including but not limited to, claims for statutory damages, actual damages, and legal fees, as provided under the FDCPA and FCRA.

Be advised that continued unauthorized reporting of this disputed debt may result in significant financial liability for your organization.

I expect written confirmation within XXXX days that you have ceased all collection activities and have corrected any inaccurate information reported to credit bureaus.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I am resending this complaint to ALLIANT CREDIT UNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

ALLIANT CREDIT UNION XXXX Balance : {$0.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: HOVG, LLC
State: SC

Complaint narrative:
My father has used my credit multiple with out my knowledge or concent these bout {$6800.00} I'm debt in collections there's XXXX collections in my report from 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 2025-03-23 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: V and H Portfolio
State: SC

Complaint narrative:
My father has used my credit multiple with out my knowledge or concent these bout {$6800.00} I'm debt in collections there's 5 collections in my report from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
Re : Dispute of Debt Allegedly Owed to Spring Oaks Capital Dear XXXX XXXX XXXX, I am writing to formally dispute a debt that is being reported by Spring Oaks Capital. I have received notice from them stating that I owe a debt, however, I do not believe that I am responsible for the alleged debt, nor do I have any documentation or records supporting this claim. 

Here are the details of the debt in question : Collection Agency Name : Spring Oaks Capital Account Number ( if available ) : Unknown Amount Allegedly Owed : {$880.00} {$840.00} Date of Debt : XX/XX/year> and XX/XX/year> Original Creditor ( if applicable ) : Unknown I have attempted to resolve this matter with Spring Oaks Capital, but to date, I have not received sufficient evidence or documentation to substantiate this debt. I have also not received any communication from the original creditor regarding this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XXXX XX/XX/year> The CCS companies XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : Dispute of Credit Information - XXXX Dear The CCS companies XXXX am writing to formally dispute certain information on my credit report/account associated with [ insert account number/reference number ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information reported to credit bureaus, and I believe that the following information is incorrect : [ Explain the item being disputedsuch as an inaccurate account balance, late payment, or account status. Provide as much detail as possible. ] In accordance with the FCRA ( 15 U.S.C. 1681 ), I request that this information be thoroughly investigated and corrected. Specifically, I ask that you : 1. Investigate the accuracy of the information in question.

2. Provide documentation proving the validity of the entry if it is not corrected.

3. Remove any erroneous information from my credit report if it is found to be incorrect or unverifiable.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), if this dispute involves debt collection, I request that you provide proper validation of the debt as required by law. Please include : The amount of the alleged debt. 
The name of the original creditor. 
Any supporting documentation or proof that the debt is valid. 

I respectfully request that you provide a response to this dispute within 30 days, as required by the FCRA, and provide a copy of the results of your investigation once it has been completed. If the disputed information can not be verified, I expect that it will be removed from my credit file.

Please note that failure to resolve this matter in accordance with the applicable laws may result in further legal action or complaints to the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ).

Thank you for your prompt attention to this matter. I look forward to your timely response. 

XXXX XXXX Important Legal References : Fair Credit Reporting Act ( FCRA ) : Protects consumers by ensuring that credit reporting agencies maintain accurate and complete credit records. You have the right to dispute incorrect information and require that it be investigated. 
Fair Debt Collection Practices Act ( FDCPA ) : Governs the practices of debt collectors and gives you the right to dispute a debt and request proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Re : Cease and Desist Demand Regarding Account : XXXX To Whom It May Concern : This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ), that you immediately cease and desist all communication with me concerning the alleged debt referenced above. I hereby dispute the validity of this debt and assert that your continued reporting of this inaccurate information to credit reporting agencies without proper notice constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Such actions are damaging to my creditworthiness and are unlawful. If you fail to comply with this demand, I will not hesitate to : - File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as notify the Attorney General 's office in my state. - Pursue all available legal remedies against your organization, including but not limited to, claims for statutory damages, actual damages, and legal fees, as provided under the FDCPA and FCRA. Be advised that continued unauthorized reporting of this disputed debt may result in significant financial liability for your organization. I expect written confirmation within 15 days that you have ceased all collection activities and have corrected any inaccurate information reported to credit bureaus. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Account Denial and XXXX Profiling Dear Navy Federal Credit Union, I am writing to formally express my concern and disappointment regarding my recent experience attempting to open an account with Navy Federal. Despite my genuine efforts, I was permanently denied the opportunity to open an account for reasons that remain unclear to me. I believe I have been unfairly and unjustly profiled, and I am seeking clarity and resolution regarding this matter. 

Upon learning of the denial, I attempted to contact your security department to better understand the reason behind this decision. Unfortunately, I never received a response. In my continued effort to resolve this issue, I provided police reports and a written statement detailing how I was a victim of identity theft. It appears that someone attempted to open an account in my name without my permission, and I took proactive steps to report this. However, despite my attempts to cooperate and provide documentation, I have been met with silence. 

I feel I have been unfairly profiled and denied access without a valid or transparent explanation. As a prospective member, I believe I am entitled to an equitable review of my situation and a fair opportunity to address any concerns Navy Federal may have.

I kindly request a thorough review of my case and a clear explanation for the permanent denial. I would greatly appreciate the opportunity to speak with someone directly to resolve this matter. 

Thank you for your time and attention to this serious concern. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I opened a Venmo account in XXXX because I was to receive some money ( {$2000.00} ) from a friend as assistance and I could only get it through Venmo. On I made a withdrawal of {$500.00} into my bank account on XXXX of XXXX, 2025 which I received. On XXXX of XXXX, 2025 I made another withdrawal of {$1500.00} which was declined and led to my Venmo account getting suspended. I was asked to send my ID which I did, but I still got permanently deactivated. Now I will be homeless and have no food because Venmo will be holding my funds for 180 days. How do I survive? PLEASE HELP I JUST WANT TO WITHDRAW MY FUNDS PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
I received a random debt collection in the mail for {$98.00}, for a company I never used, XXXX XXXX. They sent a debt collection through Radius Global Solutions LLC which I contacted and they said to contact XXXX XXXX. They claimed someone was using my bank account to use their services. I stated I have no charges from XXXX XXXX. They then said yes that is why you need to file a dispute with your bank. That is how I knew they were scammers sending fake debt collections. Radius Global Solutions LLC is apart of it as well as they have not emailed me back about filing a false debt collection. I am still able to access the portal to pay for the amount which should not be possible as it should be locked until they provide evidence of fraud. The email address provided is also fake, they do not receive the emails.

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 2025-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
This is regarding invalid collection request from Credence Resource Management LLC Debt is not valid as the medical bill sent by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is not right. 

This is for account number - XXXX I was told that insurance covers the entire amount. Insurance only paid XXXX and mentioned this was out of coverage which was opposite to what was told to us by XXXX XXXX and XXXXXXXX XXXX  personal. They tried to scare the situation with my daughter and made us choose XXXX XXXX on the promise of full coverage. 

Later we found out that this was not covered and we paid XXXX which was more like adjusted rate for ambulance services and they did not adjust the gross bill based on the insurance rate of XXXX. This is a malpractice of billing absurd amount of {$2300.00} for a XXXX XXXX XXXX  pushed on us in the name of full coverage by insurance. 

Please look into it as we would like to dispute and contest this bill. 

Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: GA

Complaint narrative:
RE : Improper Debt Transfer and Collection Practices by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ID : XXXX ) To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX ( SST ) regarding improper debt collection practices, unauthorized transfer of debt, and violations of the Truth in Lending Act ( TILA ). 

COMPLAINT DETAILS Consumer Information : Name : XXXX XXXX XXXX, XXXX. 
Address : XXXX XXXX XXXX, XXXX, GA XXXX Email : XXXX Phone : XXXX Company Information : Name : Systems & Services Technologies , Inc . 
XXXX ID : XXXX Address : XXXX XXXX  XXXX, XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : XXXX Account Information : Account Number : XXXX Original Creditor : XXXX XXXX XXXX in Dispute : {$16000.00} transfer balance NATURE OF COMPLAINT Unauthorized Transfer of Debt My loan was originated with XXXX XXXX The debt was transferred to SST without my knowledge or consent I received no notification of transfer as required by 15 U.S.C. 1641 ( g ) I received no required disclosures regarding the terms of the transfer Licensing and Authority Issues SST is licensed in Georgia as an " Installment Lender '' ( License # XXXX ) not as a debt collector SST is attempting to act as a debt collector despite their licensing status Communications from SST identify them as a debt collector SST appears to be operating outside their licensed authority in Georgia Documentation Failures SST has failed to provide : Chain of title documentation showing legal transfer of the debt Original loan agreement with XXXX XXXX XXXX disclosures Complete account history Information regarding security interests Collection Practices SST has sent multiple collection notices ( XX/XX/year>, and XX/XX/year> ) SST is threatening negative credit reporting without validation of the debt SST has not responded to disputes about the validity of the debt SST is attempting to collect on a security interest without proper documentation I have not received a satisfactory response addressing these legitimate concerns. 
LAWS POTENTIALLY VIOLATED Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), particularly 15 U.S.C. 1641 ( g ) regarding notice of transfer Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) Georgia XXXX XXXX XXXX ( XXXX. XXXX et seq. ) XXXX  XXXX XXXX Practices XXXX ( XXXX. XXXX et seq. ) SUPPORTING DOCUMENTATION I have attached the following documentation to support my complaint : XXXX. Notice and XXXX sent to SST dated XX/XX/year> XXXX. XXXX notices from SST 3. XXXX XXXX XXXX record for SST showing Georgia licensing as Installment Lender I authorize the CFPB to share this complaint and my personal information with SST and other relevant regulatory authorities as necessary to resolve this matter. 
Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Address : 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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Address : 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 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
At some point approximately XXXX while attending a pool party event at the XXXX XXXX XXXX XXXX ) on Saturday XX/XX/year> my personal property including my ( wallet and phone ) was accessed ( secure in provided private locker ) without my knowledge or permission. At that time several charges were attempted to my credit cards and the credentials of my phone were altered. Some other charges were caught and declined but some did process. Once I realized later that evening what was happening I immediately reported it to my card companies. The dispute process has lingered since. I have even contacted the merchant myself and they point me back to the credit card company. The charges in question are in the amount of {$8000.00}.

Company response to consumer: Closed with explanation