vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. 
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
LVNV FUNDING LLC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities.

This is also a NOTICE exercising my rights to prevent the processing of my personal data by LVNV FUNDING LLC.

Please be advised that providing a memorandum or other statement from your agency, stating that LVNV FUNDING LLC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report.

PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I made a purchase on line for a generator when transaction was complete I received a confirmation number and it said they would ship as soon as possible. Couple days went by I sent a email asking about shipment since I didn't receive any info. No response. No number to call. 
I went to my bank ( Cash ) to file dispute to get my money back. Few days went by and I called the bank to see and was told my claim was denied. They said we will get ahold of the Specialty Team and they will provide you the documents they based their decision on. I had to call back at least 5 times because that dept. never reached out. Each time I called I went thru the same text book response. I started asking to speak with a manager the next 5 times I called and was told its not one available but they will reach out to me via email. Finally on the XXXX of XXXX that dept sent me a document to why I was denied note that they made this discussion a month ago and finally a manager reach out to me 2 days ago saying it was denied and its no over turning it. The Specialty Team denied my claim because they say it was a authorized transaction of course it was my dispute was because I didn't receive my generator not one time did I claim that I didn't recognize this transaction not one time. By their guidelines a refund can be given if goods you order dont show up or you received something you didn't order. Now all they say is we will have to send this to the Specialty Team and it can take up to 45 days for a dispute. They messed up the first time and they keep saying it was denied will someone actually read what my dispute is about all you do is give me the text book response and pass me to the people that took forever to send me info to why I got denied then they denied me for a reason that was not even a issue. My main complaint is with my card holder ( Cash App ) which is XXXXXXXX XXXX. The fact I've had to be talk to so back give them info that had nothing to do with my dispute. They did anything in hopes I'll hang up. Ask me at any time did I give out my pin number, what device was I using, my address and phone number and until you answer all them in order we can't help you. This was today and I went ahead and answered them all and her next response was I'll have to get you over to the specialty team and it could take 45 days to get a response. Not once was I able to talk with my voice or even tell someone what my dispute was really about because every agent automatically started with I see it was denied we need to get you to the specialty team and they can tell you way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have sent the addendum for check stop twice. The first I sent it I was told I had to verify with some third party that failed. I was then told I can just resend the form again without my new address on there. I requested the check be sent to the mailing address the company has on file XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX as I still have family there and I can still get mail there. I have been going back and forth with this company many times regarding my hard earned money that they are NOT paying me interest on. I would love to have money back to me as they are just holding my funds without giving it to me. It has been a hassle and I have tried to take every revenue possible to get my money from this scandalous company. I am putting in another complaint for the same money I have been trying to receive since the summer. Just in case the company states they did not get the fax I sent I am attaching it to this complaint and hopefully I can receive my money at the address stated above. I have been trying to nice and patient as I know it is a big company and they deal with a lot of calls, but when I call I am being told there is no record of my account which is a bit weird to me. The XXXX XXXX I will be taking is seeking a lawyer to retrieve my funds and suing the company for distress and financial abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved.

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
Radius Global Solution is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities.

This is also a NOTICE exercising my rights to prevent the processing of my personal data by Radius Global Solution.

Please be advised that providing a memorandum or other statement from your agency, stating that Radius Global Solution the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 
PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.

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 2023-11-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/1973 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( XXXX ) with ( XXXX XXXX ) was deleted from my credit report. 
I have now realized that this same item was reinserted onto my credit report! 
In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) Is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such Notification, this is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA I demand that you immediately Delete this account from my credit report in order to avoid legal action. 

Sincerely Yours, 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 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I am a victim of Identity Theft. First I found out it in XX/XX/XXXX. I filed report to Federal Trade Commision and XXXX Police Department. On XX/XX/XXXX I placed Initial Fraud Alert to all 3 major Credit Bureaus ( XXXX, XXXX, XXXX ). 

On XX/XX/XXXX I got a notification from XXXX that APPLE CARD/GS BANK USA reported a new account. I never had XXXX device and didn't open Apple Card account. Also Apple Card never contacted me to ensure that I am opening new account nevertheless I had XXXX XXXX on my credit report. 

Immediately I reported to Federal Trade Commission and local XXXX Police Department. Then I contacted Apple Card support hotline ( XXXX ) and filed dispute about fraudulent account. I mailed all supporting documents as long as FTC and police report. 

On XX/XX/XXXX I got a notification from XXXX that Apple Card have {$23000.00} balance. I was shocked. I called again and was told I need to wait investigation results. 
After several weeks I called to Apple Card support again and found out dispute was closed not in my favor. I didn't get results of investigation by email nor mail. Support representative can not help me to get results of investigation and suggested to open dispute again. 
Now it is almost 8 months I am trying to get rid of Fraud account and several disputes was opened and closed without any success. 

Please help me to close the fraudulent account and remove it from my credit report. I am attaching all agency reports and my identity documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I keep receiving letters from Jefferson Capital in regarding alleged debts from more that a decade ago. The last letter was received almost two months after the date on the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Fraud accounts that are open has restricted my current account

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 2023-11-13 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: UPGRADE, INC.
State: VA

Complaint narrative:
This company Upgrade Inc has done nothing to help me with a fraudulent loan account put in my name. The unauthorized loan account opened up on XX/XX/23 amount initially shown was {$4000.00} but after looking at my credit reports its shown as a reported balance of XXXX that I did not authorize and neither did I know about. 2 miscellaneous payments of {$210.00} were made on the account on XX/XX/23 - XX/XX/23. After receiving mail from the company, I contacted the company letting them know of identity theft and they responded but were not very helpful, they concluded with its your name and information on the account and based off that, thats what we have to go off of. I provided bank and credit card documents to them as they requested but they still continued to give me negative feedback and saying its not sufficient enough. At this point I dont know what else to do, my credit score is dropping and this isnt my debt, neither was any of my bank accounts used to pay the miscellaneous payments to the account. Recently that sent a letter saying that since I have not been cooperating that by this XXXX it will be fully delinquent and nothing will be able to be resolved from their end. Im reaching out to Consumer Financial Protection Bureau to get some assistance on this matter, Im tired of stressing on this matter, its affecting my life and I dont feel safe, on top of that none of this is right. I did my part with providing documents and informing the company I never even heard of them, never done business with them before and Ive locked all my credit information down to prevent anymore of this insufficient data from being used. Im asking for a resolution on this matter asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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 authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-13 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: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2023-11-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6:2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX regions bank sent me a text alert about a XXXX charge for {$150.00} the text ask if I made this charge I responded no because I do not have a XXXX account. The bank then notified me that they cancelled my debit card. I then called the bank and disputed the charge as fraud on XX/XX/2023 They then denied my dispute saying I needed documentation from my XXXX account showing I didn't make the charge but I can't show documentation because I do not have a XXXX account. I contacted XXXX they told me to dispute the charge with my bank. I have banked at regions for XXXX years and in that XXXX years there has never been XXXX charges because I do not have a XXXX account. This XXXX charge was fraud I never made that charge but regions is refusing to refund the money taken from my account because I have no documentation how can I have documentation from something I don't have. I do not nor have I ever used XXXX. I signed up for text alerts for extra security on my checking account but what good does it do when I respond that it isn't me making a charge and they refuse the dispute. This charge was fraud.

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 2023-11-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-11-13 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: CA

Complaint narrative:
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission and Consumer Financial Protect Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I demand that you comply with the disputes letters that I have sent to you.

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 2023-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 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 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 2023-11-13 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 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 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