vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: PA

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. 


XXXX XXXX XXXX XXXXXXXX XXXX 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Greetings! 

I am writing to inform you about a probable scam or phishing attempt. Even though I do not own any debt, I get collector calls from Portfolio Recovery. These calls may be fake collector calls. I have not received any information from this company. They did not mail me a written notice, which is required for collectors according to the Fair Debt Collection Practices Act and the Consumer Financial Protection Bureaus Debt Collection Rule of 2021 ( CFPB, 2015 ; CFPB, 2023 ). 


Sources : CFPB ( 2023 ). CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/ CFPB ( 2015 ). CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-the-two-largest-debt-buyers-for-using-deceptive-tactics-to-collect-bad-debts/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: PA

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. 

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has 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 an 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 or 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 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following inquires are on XXXX and Transunion Reports and I did not authorize. I have called the companies and have been redirected to the credit reporting agencies to remove inquires from credit or directed to CFPB to file a complaint. I also contacted XXXX and Transunion and was directed to file a complaint with CFPB. Below are the Inquires with the credit reporting agency. 

XXXX Credit Bureau XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX- XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 Transunion Credit Bureau XXXX XXXX XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 2023-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have disputed this collection with all 3 credit bureaus ( XXXX, XXXX, & XXXX ) requesting written verification from Bull City Financial verifying the debt is in fact mine. However this information has yet to be provided to me. XXXX resolved the issue with my first dispute and removed the derogatory account from my report. XXXX and XXXX have both came back with the dispute as resolved, company confirms debt is certified, but no documentation has been provided. Nor did the collection agency ever try to contact me directly even before sending the account as unpaid to the credit bureaus. 

XX/XX/2023 - Disputed with XXXX XX/XX/2023 - XXXX dispute complete, account removed from credit report XX/XX/2023 - Disputed with XXXX and XXXX XX/XX/2023 - Notified that XXXX Dispute is complete and account still remains. Collector certified debt as accurate XX/XX/2023 - Notified that XXXX Dispute is complete and account still remains. Collector certified debt as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: WA

Complaint narrative:
Account name : XXXX XXXX Account number : XXXX Account type : Credit card Date opened XX/XX/XXXX Status : Closed. {$50.00} past due as of XX/XX/XXXX. 

Status updated : XX/XX/XXXX Balance : {$470.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

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 2023-03-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account with Capital One Auto Finance in XXXX and carried a relationship with them until XXXX of XXXX. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XXXX, I was affected tremendously by XXXX. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I had with your company for 4 years. This one late payment is causing me extreme hardship. I am hoping that Capital One Auto Finance can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payment in XXXX of XXXX. I have really enjoyed doing business with Capital One and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome Capital One Auto Finance. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I have never in life had a XXXX bill. My credit report says i owed the and it was sold to collections. It is stopping me from getting a personal loan, I would like it removed asap.

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 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting the following XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mutual Management Services LLC
State: TX

Complaint narrative:
Resubmitting this as a separate complaint after speaking with CFPB. There is a collections amount on my credit report that is not mine, and I believe is connected to identity theft. The collections amount is currently listed as {$20000.00} as of a credit report I requested to be run on XX/XX/2023. The collections agency is listed as " Mutual Management Services LLC, '' and the original creditor is listed as " XXXX XXXX XXXX XXXX. '' I don't know how many ways I am able to express that this collections amount does not belong to me. I believe it to be the result of identity theft, and am opening this complaint to document this as such so that an investigation can resolve this issue. I would like to be very cooperative in this process, as it has been very violating to learn that someone has been stealing and misusing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: FL

Complaint narrative:
According to federal law I never provide Equifax with written permission to report any accounts I've listed below that is in violation of 15 U.S. Code 1681b ( a ) ( 2 ). 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
this leads to identity theft!!!!!!! 
Definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
I did not provide the companies I listed below with consent to share my credit card ( ID, SSN, etc ) with another entity ( EQUIFAX ) this is a violation of 15 U.S. Code 1681s-2. 
( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

WHICH I HAVE DONE! 

15 U.S. Code 1681- Congressional findings and statement of purpose A statement by you that the information is not information relating to any transaction made by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
The treatment that the consumer ( myself ) received from Koals charge card 's support team is simply unacceptable. Despite making multiple attempts to reach out for assistance, the consumer was repeatedly met with unresponsive and unhelpful representatives. To add insult to injury, when the consumer was finally able to get through, they were blocked and prevented from making a payment. 

This kind of behavior is not only unprofessional but also downright callous. The consumer was dealing with a XXXX diagnosis during a pandemic, which made their situation all the more difficult. A company like Koals charge card, which is entrusted with handling people 's finances, should have displayed compassion and understanding towards the consumer 's situation. Instead, they chose to exacerbate the consumer 's stress and XXXX. 

Furthermore, the refusal to provide payment receipts or proof of payment is a deeply concerning practice. It's essential for consumers to have documentation of their payments to protect themselves from potential disputes or issues with their account in the future. The fact that Koals charge card is not willing to provide this basic level of transparency is not only a violation of the consumer 's rights but also highly suspicious. 

It is imperative that the Consumer Finace Protection Bureau ( C.F.P.B. ) Investigate this matter thoroughly and take appropriate action to hold Koals charge card accountable for their actions. The bureau should send a strong message to Koals charge card and other companies like them that treating consumers with such disrespect and disregard will not be tolerated. No one deserves to be treated this way, and it's crucial that we stand up for the rights of consumers everywhere. thanks for your time, sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC
State: OH

Complaint narrative:
I had gone to an ER for treatment on XX/XX/XXXX. I was billed twice for this visit. One came from the hospital to my current address and I paid my portion after they submitted it to my insurance company. The other came from the doctor/ER and that was sent to an address I hadn't resided for over 10 years. I didn't learn about this other bill until I checked my credit report in XX/XX/XXXX and discovered it had been sent to a collections agency ( Elevate Recoveries LLC ). After speaking to the agent, she said they tried to contact me ( at the old address/phone number and I had no knowledge anyone was trying to contact me ). I tried to explain the hospital made an error and should have sent that bill to my insurance company instead of billing me directly. The hospital never went through my insurance company. Again, I tried to explain that I knew nothing about this and the agent said it was too late to dispute this and I had to pay the amount of {$1000.00}. Although, she did add they would settle it if I paid less ( around {$700.00} ). Since I wasn't getting anywhere with this agent, I contacted the company that sent the bill to collections ( XXXX XXXX XXXX XXXX ). I explained to them that they did not submit the bill through my insurance company as they should have. Since this was billed in XXXX, the woman helping me wasn't able to do much anything else. I contacted my insurance company and explained all of this to them. That same day ( XX/XX/XXXX ), my insurance company sent a Certificate of Coverage to XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX confirmed they received it on XX/XX/XXXX and sent notification to Elevate Recoveries LLC that it was being handled by my insurance company. Elevate Recoveries LLC still has the collection amount of {$1000.00} listed on my credit report. I have tried talking to them on several occasions but they keep transferring me to the same agent assigned to my case. I tried explaining this to her but all she would say is that I had to pay it and it was too late to do anything else. She would not let me speak to a supervisor when I requested to do so. I feel that I can not reason with them so I am reaching out to you for your assistance in clearing up this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
I have not lived in XXXX  since XXXX. I live in XXXX  and this is impossible because the date shows it was opened in XXXX. I would like to have this removed from my credit report as it is falsifying wrong information and inaccurate. There is a copy of my license from Indiana and I was at that address since the end of XXXX. Wasnt in XXXX  at the date thats being submitted and reported.

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 2023-03-29 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: The CMI Group, Inc.
State: FL

Complaint narrative:
There is a fraudulent Credit Management account on my credit. Please note the attached FTC report and remove it from my credit. THIS ACCOUNT IS NOT MINE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: GA

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX XXXX, the following notification of reporting error on my credit report. 

" In reviewing the laws and also looking my consumer report, I am deeply disturbed and feel violated. 
According to the law ( 15 us code 1666b ), you have failed to maintain compliance by reporting a late payment on this account to the credit reporting agencies you do business with. Such failed compliance is a violation subject to a fine of {$1000.00} ( 15 us code 1692k ( a ) ( 2 ) ( a ) ). This violation has been reported since XX/XX/XXXX and continues to be reported. In accordance with the law ( 15 us code 1692k ( a ) ( 1 ) ), you are liable for actual damages sustained due to your failure to comply with the law. I was denied credit ( {$52000.00} ) because of this derogatory and defamatory reporting, ( see attached XXXX denial and later cosigned approval ). I had to get a co-signer to secure the loan that ultimately got approved. I expect a check for the incurred damages. 
I certify under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/XXXX. '' No response has been received regarding the continued violation of the laws mentioned herein.

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 2023-03-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX XXXX, the following notification of reporting error on my credit report. 

" In reviewing the laws and also looking my consumer report, I am deeply disturbed and feel violated. 
According to the law ( 15 us code 1666b ), you have failed to maintain compliance by reporting a late payment on this account to the credit reporting agencies you do business with. Such failed compliance is a violation subject to a fine of {$1000.00} ( 15 us code 1692k ( a ) ( 2 ) ( a ) ). This violation has been reported since XX/XX/XXXX and continues to be reported. In accordance with the law ( 15 us code 1692k ( a ) ( 1 ) ), you are liable for actual damages sustained due to your failure to comply with the law. I was denied credit ( {$52000.00} ) because of this derogatory and defamatory reporting, ( see attached XXXX denial and later cosigned approval ). I had to get a co-signer to secure the loan that ultimately got approved. I expect a check for the incurred damages. 
I certify under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/XXXX. '' No response has been received regarding the continued violation of the laws mentioned herein.

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