vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, 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:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked

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 2023-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
Loan taken out in my name in XXXX  that says I owe {$8400.00} from XXXX XXXX XXXX Ive never heard of and has been turned over to the debt collector Velocity Investments LLC has purchased. I feel all of this is identity theft

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 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to file a formal complaint against LVNV Funding, LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : LVNV Funding, LLC acquired a debt from the original creditor, XXXXXXXX XXXX, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
2. Failure to Provide Verification of Debt : On XX/XX/, I sent a written request to LVNV Funding, LLC, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
3. Ignoring Cease and Desist Instruction : In my previous correspondence with LVNV Funding, LLC, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, including phone calls and letters, disregarding my rights under the FDCPA. 
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of LVNV Funding, LLC to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 
2. Cease Collection Efforts : I demand that LVNV Funding, LLC immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA.

3. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that LVNV Funding, LLC rectifies their violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/h 2023 at about XXXXXXXX XXXX cash app sent me a text message XXXX has taken a payment of XXXX dollars out of my account. I had just got paid and looked on my transactions and the money was missing from my account but there is no transaction for this amount on my statement. It is a recharge from XX/XX/XXXX XXXX  I made and paid for on the second of XXXX. I called cash app they told me to talk to XXXX I called the XXXX branch of Michigan who gave me a XXXX XXXX number that they have received several calls on this matter. I called this number made a complaint and the man on the phone said I would be refunded sorry that the system was down that day of XX/XX/XXXX. I waited the twenty four hours like I was told to receive my refund back. I did not get it I called the XXXX company again. I got no answers called the next day was told they have no recharge on there end. And I was not getting refunded. I call cash app either got hung up on or told it was a charge that was a glitch in the system for XXXX that they never took the payment out for the purchase and it was taken out today to compensate for the order. I am angry getting no answers and told. I won't get my money back. That was rent. I would like my money back of {$730.00}. I will be getting a lawyer next if I do not get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, and TransUnion for their persistent violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to address the issue, the following violations have remained unresolved : 1. Failure to Update Paid Charge-Off : I successfully resolved a paid charge-off with XXXX XXXX XXXX and XXXX XXXX XXXX Written documentation exists, confirming their promise to remove this charge-off from my credit report within 30 days of payment. However, it continues to be reported on my credit report, even though we have entered into the year XXXX. 
2. Illegal Debt Acquisition and Pursuit : On XX/XX/XXXX, I communicated with XXXXXXXX XXXX XXXX, a collection agency, explicitly instructing them to return the debt to the original creditor, XXXXXXXX XXXX. It is essential to note that acquiring debt and pursuing individuals without explicit consent is a violation of the law. I have no signed agreements with these collection agencies, and despite my request, they have failed to comply with returning the debt. 
As a result of their non-compliance, I am prepared to take the following actions : 1. File complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( BBB ), Federal Trade Commission ( FTC ), and the Attorney General. 
2. Retain the services of a consumer attorney to pursue legal action. 
3. File complaints against the credit bureaus for damages. 
I firmly believe that the gravity of these violations should not be underestimated, and it is crucial for [ Name of Creditor/Collection Agency ] to promptly rectify these issues. Failure to do so will leave m XXXX, XXXX, and TransUnion no choice but to proceed with legal action and further complaints against your organization. I have attached copies of previous correspondence, including the documentation of my instruction to XXXX XXXX, XXXX. Please consider these documents as evidence supporting my complaint. 

I kindly request your prompt attention and investigation into this matter. I look forward to your assistance in resolving these violations and enforcing my rights under the FCRA.

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 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CSS is reporting a balance I not owe on behalf of XXXX XXXX for car insurance. I never owned a XXXX never had one registered to me. 

They do not have my correct address to have notified me of this collection I. 


I have never owned or purchased a XXXX and I pay my insurance in advance for a XXXX XXXX and XXXX. I went to the DMV to see if there was anything I could get showing it but they stated that the car wasnt registered to me so there was nothing I could do but belong to XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: SC

Complaint narrative:
LVNV and XXXX XXXX XXXX  are both reporting the same debt to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I received notice from all 3 credit companies today that a new collection account had hit my credit. I reviewed the account. This is an account from XXXX, which was opened in XXXX. It is now XXXX. This debt is over XXXX XXXX XXXX and has appeared on my credit several times by several different collections companies. I have a current account with XXXX  XXXX, two actually, and have therefor long since resolved this matter. As it reads now it does indicate that XXXX  XXXX was the original creditor however, it states past due as of XX/XX/XXXX and appears as a newly past due collection. This is false. The balance, the account open and delinquent date, all false. An old debt sold to another collection company thats long been settled appearing as a new debt. That is illegal. The companys name is consumer adjustment co.

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 2023-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Our Capital One credit cards ( both myself and my husband 's ) had a potential fraud charge. Capital One restricted both cards. We have always had just capital one ( which was a mistake ). We were travelling at the time XXXX ( XXXX ) and were left with no credit card. I requested that they overnight a new card to our hotel in XXXX since we had no way to get our hotel bill paid or to continue on our trip. They did overnight a new card which we used to check out of the hotel. When we went to the XXXX XXXX rental at the XXXX airport to rent a car the card was denied. When we called the representative they were requesting verification of identity that was impossible to provide when I was at XXXX Airport XXXXXXXX XXXX  rental counter. Once again we were paralyzed with no ability to rent a car, change our flight or check into another hotel. 
When we arrived home I sent them the necessary documents. My husband was a prosecutor and we have always had a po box as our mailing address for security reasons. They refused to accept the documentation since it did not have a residency address. I can not believe that certain customers don't have their home addresses on bills also because of security issues. You can find anyone on the internet these days and this is one way to keep your personal address private. 
Capital One 's unbending policies have lost them a customer of over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ability Recovery Services, LLC
State: NV

Complaint narrative:
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " lt also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " lt also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB : I have attempted to resolve an ongoing issue with CRA Equifax for several months now. As of date, the issue has not been resolved. Instead, the issues have worsened. 

Equifax please note : I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they may provide. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be individually and on its own merits. My letters were created using software that is available to everyone. If you do not process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will consider all legal remedies available to me. 

Equifax states that XXXX XXXX has verified the public record information that is FALSELY listed in my credit report is " verified '' as " accurate ''. How could this be? XXXX XXXX has removed the " unverified '' public record from my credit report in 2022. I am kindly asking that your company does 1 of 3 things. Provide the names of the person that reported the public record, your permissible purpose for reporting the public record and the steps you took to obtain your information. 

Equifax also reports FALSELY an account that has been closed for years within my credit report. The name of the account is XXXX XXXX XXXX. I am attaching for your viewing pleasure how you as a CRA have toyed with my credit report. This has caused me great harm and I'm entitled to ACTAUL and PUNITITIVE Damages due to your FALSE reporting. Please remove the entire account or pay me in the form of a check {$1000.00} per the FCRA for however long you have reported this erroneous information. 

Please update the XXXX XXXX account show positive payment history as the account is closed, paid in full and was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is 34 inquiries on my credit file and their duplicated unnecessary hard inquiries with the same companies withe no credit history with the companies. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST HAWAIIAN, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, these accounts violated my rights as a tax payer. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions.

15 USC 1666B states that a creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for purpose.

Companies were contacted and refused to fix discrepancies due to dates being pass 2-years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was a victim of Identity theft. My name and SS number was used to open an account by Goldman Sacks Bank USA in XXXX of 2023. I got an alert on my credit score last month showing account past due for 60 days. I have called Goldman Sacks several time. They were unable to verify my account because my date of birth, email and phone numbers were all wrong in their system. I updated my information and asked for statement to be sent to me so I can see what is going on but they did not send any information. I also filed a complaint on XX/XX/2023 with specialist XXXX and never received a response. It was fraudulently opened and I am very frustrated as it affects my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX an account with capital one was discovered in my credit report and I disputed this account under unknown account as if it's fraudulent. I've submitted complaints with identity theft service and files police report. Capital one is still not removing this account from my credit report

Company response to consumer: Closed with non-monetary relief