vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Failing to send you notifications Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes reporting a debt as charged-off when you settled it or paid misstating the balance due Mixed Files Debt Dispute Violations correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) NO MORE TIME THEN THAT TIME FRAME notify every involved that you dispute the debt Privacy Violations CRAs can not release your credit report to just anybody. 




Remedies If any of these three types of entities ( credit bureau, creditor, or information user ) violated your rights under the FCRA, you might be able to sue them in state or federal court for damages. 


Furnishing and reporting inaccurate information A creditor, much like your credit card company or loan collector, should not be knowingly supplying incorrect information to a CRA. 

Some examples of inaccurate information that could be supplied to your CRA include overstating or misstating total balances due, reporting a debt that has been paid off as a charge off, reporting payments paid on time as late or mistakenly listing you as a debtor on an account. 

Bottom line : CRAs need to respond to filed disputes in certain ways, and not following those procedures could violate the FCRA. 

Bottom line : Creditors or CRAs failing to update your credit information ( which should be kept as up-to-date as possible ) violate the FCRA. 


Mixing files In some instances, a credit bureau can mistakenly mix your file with that of another debtor with information similar to yours, like a shared last name. This violates the credit bureaus obligation to report accurate credit information about every borrower. 

Mixed file violations include combining credit information of people with similar names living in the same area, such as if there are XXXX people named XXXX XXXX who live in the same zip code, or not including XXXX, XXXX, XXXX or other differences for people Bottom line : Its possible mistakenly mix credit information of two people with similar information, which violates the FCRA if not remedied. 

The right to dispute inaccurate/incomplete information Any inaccurate or incomplete information found in your credit file that is reported to a CRA must XXXX thoroughly investigated by the agency.

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 2022-12-18 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: FL

Complaint narrative:
TransUnion, XXXX, and XXXX is continuing to list inaccurate information on my credit report. Ive sent numerous letters asking for these accounts to be removed as it is illegal to furnish inaccurate information on my credit report.

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 2022-12-18 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I had a ambulance service, and I received an invoice from XXXX XXXX # XXXX XXXX NJ for " XXXX XXXX '' trip number XXXX, I paid the amount by bank check. I had another ambulance service on XX/XX/2022 and I received an invoice from XXXX XXXX. # XXXX XXXX NJ for " XXXXXXXX XXXX XXXX' under trip number XXXX, and according to our agreement of payment, I am paying by credit card monthly. 
Then I received a letter from CMRE " dept collector '' saying that I have a dept to a company called " XXXX XXXX XXXX XXXX '' for a service dated XX/XX/2022 and XX/XX/2022 which is never billed to me. I called them I I spoke to XXXX XXXX XXXX XXXX at XXXX XXXX and I explained that I don't know this company and they are using the dates which I had a service from another company. Also I mailed them. 
I received another letter from CMRE mailed XXXX including some computer printout. I am scared they obtained the records of " XXXX XXXX " and they are using. I need a help. 
Thank you. 
Kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
The mortgage company after correcting there mistake, sent to the credit reporting company, Stating I had missed payments. They reported I'm 30 days late between XX/XX/2020 until XXXX XXXX reporting is not correct. They refuse to report I was current as I was told they would do after resuming payment from our forbearance agreement. Was told, if I was current before the covid hardship agreement that once I resume payments, they would report all payments to be current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2022-12-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint about four accounts that keep appearing on my credit report and that do not belong to me. The accounts in question are with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have never opened or used these accounts, and I have no knowledge of how they came to be associated with my name. I have made multiple attempts to have these accounts removed from my credit report, but they keep reappearing. 

This situation is causing me significant stress and frustration, as it is affecting my credit score and making it difficult for me to obtain loans or credit cards. I am also concerned about the potential for identity theft or fraud. 

I request that the Consumer Financial Protection Bureau investigates these accounts and takes action to have them removed from my credit report as soon as possible. I will provide any necessary documentation or information to support my claim. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Back on XX/XX/2022 I updated Transunion about a wrong address for a creditor that was listed on my credit report. The creditor was XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. XXXX had the same creditor listed with address XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX The Creditor was removed after the realization but the defamation to my character was already done and has caused me many hardships to my life and family. I was never updated about the removal or any update to my credit score from either credit reporting agency. This was a grave error and their responsibility to complete accurate investigations before reporting on me as a consumer.

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 2022-12-18 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: WI

Complaint narrative:
XXXX violates my rights to financial privacy under 12 U.S.C.XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX $ sold to collections. 
XXXX  # XXXX sold as charge off. 
XXXX XXXX XXXX # XXXX charge off for XXXX $ XXXX XXXX # XXXX sold as charge off. 
XXXXXXXX XXXX XXXX XXXX # XXXX charge off forXXXX $ XXXX XXXX # XXXX charge off for XXXX XXXX 
Public records Wisconsin child support docket # XXXX incorrect balance of XXXX $ also violates my rights to financial privacy. File number XXXX issued 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 2022-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Online information services is claiming I owe them. I have no knowledge nor have I signed an agreement with this company. This is aggravated identity theft. I have no knowledge of this company. This is abusive, deceptive and unfair debt collection practices. This company has no means of my identity and reporting without my lawful authority. This is aggravated identity theft 18 usc 1028A. XXXX has committed unlawful extortionate and violating 18 usc 1894. No negative information should be reported on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received no email notification about my Kohl 's store credit card until my account was 60 dpd and had been assessed a total of {$69.00} in late fees. I am enrolled in paperless statements. 

I received several marketing messages ( AT LEAST 1 a day ) during this time. Not a single statement or payment reminder. 

When logging into the account I could see the balance but had to dig into the PDF statements to find records of the late fees. 

Additionally, the customer portal does not allow for setting up auto payments. Or if it does, I couldn't find it when clicking through every screen in the portal. 

When calling their customer service they were happy to reverse the charges. I have had a Kohl 's credit card in the past ( since 2011 have had several cards ) and this is the first time this has occurred. I am submitting the claim because this is an unfair practice that can easily go unnoticed and result in cardholders paying late fees because the company failed to notify cardholders

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: TX

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

XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX All credit inquiries Apartment complex in MI XXXX, has violated my rights. 

Per 15 U.S.C 1681 section 602 A. I have the right to privacy. Per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer, It states a consumer reporting agency can not furnish a account without my written instructions. They do not have my written instruction. Per 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. Per 15 U.S.C. 1681s-2 ( A ) ( 1 ) ... .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 2022-12-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act DEPT OF EDUCATION / XXXX  # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-12-18 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: WI

Complaint narrative:
Reports violates my rights to financial privacy under 12 U.S.C.CHAPTER 35 XXXX XXXX XXXX XXXX # XXXX XXXX $ sold to collections. 
XXXX XXXX XXXXXXXX sold as charge off. 
XXXX XXXX XXXX XXXX XXXXXXXX charge off for XXXX $ XXXX XXXX # XXXX sold as charge off. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge off XXXX $ XXXX XXXX # XXXX charge off for XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX incorrect balance of XXXX $ also violates my rights to financial privacy. File number XXXX issued XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: WI

Complaint narrative:
Reports violates my rights to financial privacy under 12 U.S.C.CHAPTER 35 XXXX XXXX XXXX XXXX # XXXX XXXX $ sold to collections. 
XXXX XXXX XXXXXXXX sold as charge off. 
XXXX XXXX XXXX XXXX XXXXXXXX charge off for XXXX $ XXXX XXXX # XXXX sold as charge off. 
XXXX XXXX XXXX XXXX # XXXX charge off XXXX $ XXXX XXXX # XXXX charge off for XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX incorrect balance of XXXX $ also violates my rights to financial privacy. File number XXXX issued XX/XX/2022.

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 2022-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
I am currently paying this debt and have made payments HOWEVER after taking money from me they placed on my credit for the whole amount after telling me they would not if I paid. They lied to collect a debt which is illegal.

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 2022-12-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, Equifax, and XXXX is continuing to list inaccurate information on my credit report. Ive sent numerous letters asking for these accounts to be removed as it is illegal to furnish inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: FL

Complaint narrative:
XXXX, XXXX, and Experian is continuing to list inaccurate information on my credit report. Ive sent numerous letters asking for these accounts to be removed as it is illegal to furnish inaccurate information on my credit report.

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 2022-12-18 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: Marlette Funding, LLC
State: IL

Complaint narrative:
Best Egg has placed a account on my credit for {$8900.00} on XX/XX/2022. I have called and disputed with them asking them to show me a signed contract with my name, but they refused and stated they have no signed contract. I was told the money was placed in an unknown account that is current closed out ( I had to investigate ), but Best Egg refuses to help me. 

They have a very rude team, and never call back when they say they will.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
My former insurance carrier ( via my parents ) was not billed for services when I received medical treatment at XXXX XXXX in XXXX, Texas ( XXXX ). Instead, the facility listed me as self-pay when my valid insurance information was provided. The former insurance XXXX, XXXX XXXX XXXX  ( XXXX ), refuses to take calls or correspondence regarding prior coverage, although they were the active carrier at the time services were rendered. XXXX  is also known for not changing emergency visits to in-network to avoid paying valid medical expenses, since when seen in urgent or emergency care, you have no control over the network a physician uses for billing. My parents have also had difficulty with XXXX  not paying bills or taking calls, since my mother 's employer chose another carrier, but, in this case, I have no record that they were ever billed.

Elevate Recoveries placed a collection on my credit report, listing a different creditor than the facility that I visited, but for the same bill amount. I also deserve to be treated fairly by Elevate Recoveries, XXXX  and XXXX-XXXX, and should only be responsible for any remaining balance after my insurance pays based on my family 's coverage at the time of service. Additionally, XXXX-XXXX  did not advise me that I would be billed a premium totaling approximately 20 % more ( {$210.00} ) for visiting the 24-hour facility late at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management ( MCM ) does not have written consent pursuant to 15 USC 1681b based on my credit as a result of identity theft. MCM has failed to produce the original contract with my signature, original creditor information and full payment history pursuant to FCRA Section 604 and 609 and has initiated litigation that was subsequently dismissed.. Consequently, XXXX reflects inaccurate information including personal information. My birth name is XXXX XXXX XXXX and married name is XXXX XXXX XXXX XXXX. Please delete any other references and addresses as they are not mine e.g. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief