vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius is apparently buying up medical debts that Americans have either already paid and/or debts that have been marked by credit bureaus as being mistakes, because they are doing so via their collection demand to me ( Reference Number XXXX ). 

I previously submitted several CFPB complaints about this same issue including via CFPB complaint number XXXX when XXXX XXXX XXXX was baselessly attempting to collect this debt from me. XXXX previously also responded via CFPB complaint number XXXX that the improper collection attempt was removed from my account. These matters were resolved over a year ago, yet Radius has now popped into the picture illegally pursuing an amount that I do not even owe. 

Both XXXX and XXXX XXXX XXXX specifically acknowledged that this debt was erroneous. However, they apparently ended up selling this illegal debt to Radius who is now illegally attempting to collect it from me. Either Radius knows it can not actually legally collect these amounts, but buys up these debts hoping it can do so, or XXXX XXXX XXXX  lied to the CFPB stating that the amounts were no longer going to be collected, but then sold the debt to Radius.

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 2023-07-12 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: AL

Complaint narrative:
I have paid the debt in full and was told it would be removed from my credit report. I have called the credit bureau and they said the collection company is LVNV Funding LLC. I paid the account off to Resurgent Capital Services on XX/XX/23 in the amount of {$1900.00}. When I called today XX/XX/23 to find out why LVNV Funding is still on my credit report I got a representative by the name of XXXX and they said they would even talk to me until I was verified. They wanted my SSN, address, and then a credit card. I gave them all that and then they told me they needed another card. I asked why and they said that they had to verify me. I said I have already given you all my information and one credit card. They then hung up on me. I called the number back and got the same XXXX and she said I had to pay to speak to her. I then said I wanted to speak to a supervisor. She said she couldnt unless I paid them money. She said she would only talk to me if I gave her more credit card information. When I call the number now it just keeps saying busy. The number I called I was given by XXXX bank of XXXX and they said I had to speak to them directly since my account has already been written off and sold to them. I am terrified now that it was a scam but why would XXXX give me a scam number?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to XXXX on XX/XX/XXXX. Despite my efforts, I have not received any response from XXXX regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$420.00} The inaccurate evidence on the above account is incorrect and is causing significant prejudice to my credit reputation. The balance of {$420.00} provided by XXXX does not correspond to the lower amount that I remember. I request that XXXX revises the past due information, as it is not accurate to present a past due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. Therefore, I need to reach an agreement with my creditor regarding the incorrect data. I kindly request XXXX to mark this account as disputed because I do not want my credit score to be further affected. 


Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} The above account does not belong to me, and I request XXXX to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} The above account does not belong to me, and I request XXXX to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} The above account was never late, contrary to the information on my credit report. I kindly request XXXX to correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Received email stating I had authorized a payment for a {$560.00} purchase I did not make. I called to dispute charge. They then said they needed to get into my computer to assist with refund/credit procedures. Once in my computer, he started the process for the refund. He had me complete a {$20.00} refund request to test that the connection was correct. That {$20.00} test immediately became {$2000.00}, which I believe he changed while in my computer remotely as I was not able to change or correct. So he demanded I obtain {$2000.00} worth of gift cards and take photos of the gift cards ( serial codes ) and send to him via text. He was then to refund the {$560.00} but claimed he could only send me {$2700.00} ( minimum amount his business account could give ), I would then have to get more gift cards to cover the difference between {$2700.00} & {$560.00}. He threatened me with putting my bank account on hold unless I did what he said. 
I sent him {$2000.00} of XXXX and XXXX gift cards, withholding the rest. He locked my computer and demanded {$500.00} to unlock. 

Email below : From : XXXX XXXX XXXX Date : XX/XX/2023 at XXXX XXXX EDT To : XXXX Subject : Thankyou for your order. XXXX XXXX We are thrilled to confirm the order you recently placed with us. Rest assured, our dedicated team is already hard at work, meticulously preparing your order to ensure it is delivered promptly and meets your expectations. As per the estimated delivery date mentioned in the order details, you can expect to receive your items on time. We take immense pride in providing exceptional customer service. If you have any additional requirements or questions about your order, or if you need to modify anything, please don't hesitate to reach out to us. Our friendly support team is always here and ready to go the extra mile for our valued customers like you. XXXXXXXX XXXX You authorized a payment of {$560.00} to XXXX, XXXX He said his name was XXXX XXXX, representing PayPal XXXX 
Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian- Is reporting XXXX XXXX on my acct. I've demanded them to remove it because it's a business account that was never created by me, which also lead to other accounts in my name and on my Bureau, that aren't mine. Upon contacting XXXX XXXX they've stated, I needed to simply contact the 3 reporting Bureau 's and it would be deleted. However the Bureau says they won't remove this information. I've been fired from my career over this information being on my credit and denied home loans because it dropped my score by XXXX points. Plus the Bureau have my social first number as XXXX, which alerts lenders of my race based on the first number being a XXXX or XXXX, so I've been told by a Bureau expert. 
I need these items removed from my report. 

Thank 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 2023-07-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : KICKOFF /// ACCOUNT NUMBER : XXXX ( These accounts have violated my rights ). 
( These accounts have violated my rights ). 
( These accounts have violated my rights ).

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ( These accounts have violated my rights ). 
( These accounts have violated my rights ). 
( These accounts have violated my rights ).

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX is apparently buying up medical debts that Americans have either already paid and/or debts that have been marked by credit bureaus as being mistakes, because they are doing so via their collection demand to me ( Reference Number XXXX ). 

I previously submitted several CFPB complaints about this same issue including via CFPB complaint number XXXX when Credit Collection Services was baselessly attempting to collect this debt from me. XXXX previously also responded via CFPB complaint number XXXX that the improper collection attempt was removed from my account. These matters were resolved over a year ago, yet XXXX has now popped into the picture illegally pursuing an amount that I do not even owe. 

Both XXXX and Credit Collection Services specifically acknowledged that this debt was erroneous. However, they apparently ended up selling this illegal debt to XXXX who is now illegally attempting to collect it from me. Either XXXX knows it can not actually legally collect these amounts, but buys up these debts hoping it can do so, or Credit Collection Services lied to the CFPB stating that the amounts were no longer going to be collected, but then sold the debt to XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, I discovered with great dismay that my credit history had been severely impacted by American Express due to a missing payment in XX/XX/XXXX. Concerned about this sudden negative entry, I immediately reached out to American Express via their online chat service to address and rectify the situation. Regrettably, after an exhausting two-hour conversation, during which I was transferred among eight different agents, I received no satisfactory answers or resolutions to my predicament. 

Through my interactions with the various agents, I discovered that the charge in question, totaling {$4.00}, was attributed to a credit card account ( XXXX XXXX XXXX, ending with XXXX ) that had been closed in XX/XX/XXXX. It was astonishing to find that a new charge appeared on this closed account after a period of over XXXX years. Furthermore, I was neither informed nor notified about this charge, which subsequently led to a missed payment reported to all three credit bureaus, resulting in a significant drop of more than XXXX points in my credit score. 

This situation deeply troubles me, not only due to the immediate consequences on my credit history but also because it raises concerns about the security measures in place at American Express. How was a charge made on a credit card that had been closed for such an extended period without my knowledge or consent? The lack of transparency and communication regarding this matter is disconcerting and demands an explanation from American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These items XXXX not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I submitted a consolidation request in XX/XX/XXXX to consolidate a total of {$280000.00}, which was processed but was disbursed for the incorrect balance of {$9300.00}. All loans except for my XXXX loans ( which were also included in the request ) have been paid in full through the consolidation, but the balance is not reflecting that. On XX/XX/XXXX, I contacted Mohela and spoke with a supervisor named XXXX, who said she would be submitting a request to have the missing balance added to the consolidation. She said she has been seeing it happen too and to allow apprx. XXXX business days for processing. I called back on XX/XX/XXXX because the balance has not been updated on my account. Spoke with an agent, who then told us it wasn't possible for them to fix it, so the call was escalated. I was on hold for almost an hour, so I called back and spoke with XXXX who said the request was still pending to have the balance adjusted. Mercy then offered to escalate the call again, and I was placed on hold again. I was unable to get through to a supervisor due to the long hold times, and the issue has yet to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with Jefferson Capital Systems , LLC. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation