vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In Accordance with the fair credit act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # 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 that a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector. or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT Dear CCS Collections, I demand that you cease and desist all attempts to contact me. I have not provided a permissible purpose for CCS Collections to correspond with me. You have violated multiple provisions that you are required to adhere to under the FDCPA. This act was created to protect my rights as a consumer from companies like yours. I have not provided my wet ink signature to you or XXXX for this alleged debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. I have not signed a legal binding contract with XXXX or CCS Collections. I HAVE NO KNOWLEDGE OF THIS ALLEGED DEBT I DONT OWE YOU ANYTHING! I have contacted the XXXX XXXX, CFPB, and the XXXX XXXX XXXX  to inform them of your unfair, abusive, and deceptive debt collection practices. I DISPUTE THE ENTIRE AMOUNT OF THIS ALLEGED DEBT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
The complete accounting requested in my CFPB complaint # XXXX THAT did not include any interest THEREFORE WAS INACCURATE AT THE TIME IT WAS DISCLOSED TO ME ON XX/XX/XXXX, ALLEGEDLY. I am requesting a COMPLETE ACCOUNTING OF ALL OF THE LOANS INCLUDING INTEREST ACCRUALS. 

I HAVE BEEN REQUESTING THIS INFORMATION FOR ALMOST 9 MONTHS NOW. I WAS RECENTLY INFORMED THAT THE INFORMATION MAILED TO ME DID NOT INCLUDE ANY OF THE INTEREST FROM XXXX TO XXXX. THEREFORE THE DOCUMENTATION AND ACCOUNTING SENT IN THE XXXX REQUEST WAS NEVER FULFILLED OR AIDVANTAGE IS COMMITTING FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I received 2 text back to back of some one trying to do a 2 factor identification on my account. At that moment i logged into my chime account and discovered an unauthorized transfer of {$2000.00} from my account to another unknown chime account.I instantly realized some one had logged into my account and stole my money. I immediately contacted chime support and explained the issue and opened a claim. I was told by a rep the claim would take approximately no more than 60 days and or a provisional credit will be issued in 10 days. Then the following day I got an email saying they found no error in what occurred and closed my claim in less than 24 hours! Then that same day XX/XX/XXXX I received another text message of a fraudulent attempt made to try and charge my debit card in XXXX XXXX when Im in XXXX XXXX. I immediately called again to report this and re opened the case. I provided screen shots of the text messages and proof of me being no where near XXXX. Clearly there was frequent fraudulent activity on my account and they failed to catch this. I then waited for the investigation team to get back to me with a response which took only 1 day for them to tell me I myself sent these funds out. The denial letter is basically a joke there is no real information on there of them doing any investigations other than them providing me with a device ID that was used to make these unauthorized transfers which was not my device. I will attach denial letter. I have actively been calling trying to get MY money back and am getting no help I keep getting denied and getting the run around. Getting these funds stolen from me has caused a major financial set back and desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following XXXX Accounts below have violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account Name Account Number 1. Mn Child Support Enf XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX. Us Dept Ed XXXX XXXX. Us Department Of Edu XXXX XXXX. U S Dept Of EdXXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following XXXX Accounts below have violated my rights.

15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account Name Account Number 1. XXXX  XXXX XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXX XXXX 3. Us Dept Ed XXXX 4. Us Department Of Edu XXXX 5. U S Dept Of EdXXXX XXXX 6. 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
Consumer complaint received 2022-07-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN COMPLAINT XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Since I have been ongoing issues with Closed Credit Card Accounts I decided to access CFPB once more. Accessing My XXXX XXXX XXXX on CFPB, and requesting why my Experian Credit Report " Why this account is scheduled to continue on record till XX/XX/XXXX. " 10 Years '' Experian Reports : XXXX  XXXX, XXXX, and XXXX Bankruptcies and Unpaid Tax Liens which remain for " Up '' to10 Years! XXXX XX/XX/XXXX Paid or Closed Accts generally display for " Up '' to10 years from the date paid or closed

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 2022-07-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
- Contacted the creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning the medical collections of my credit reports.

- Creditor responded that the information was accurate and valid per FDCPA. 
- However, the No Surprises Act requires healthcare providers to give a good faith estimate of medical expenses for individuals whose insurance didnt cover their care.

- Debt collection agencies are not supposed to report information about medical debts covered by the No Surprises Act. Doing so violates my rights under the Act.

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 2022-07-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
- Contacted the creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning the medical collections of my credit reports.

- Creditor responded that the information was accurate and valid per FDCPA.

- However, the No Surprises Act requires healthcare providers to give a good faith estimate of medical expenses for individuals whose insurance didnt cover their care.

- Debt collection agencies are not supposed to report information about medical debts covered by the No Surprises Act. Doing so violates my rights under the Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
- Contacted credit bureau concerning XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22 concerning inaccuracies in my credit reports. 
- Credit bureau responded that the information was accurate and valid, despite providing my personal documentation representative of the verification of my identity. 
- The credit bureaus failure to comply with the FCRAs insurance that exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
The FTC affirms that credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of the information in your credit file. The credit bureau must then re-investigate and change or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service.

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 2022-07-13 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: WA

Complaint narrative:
This complaint is for potential selling of our information done by one or more of the credit bureaus via a credit check done with a mortgage application. 

On the morning of XX/XX/2022, I submitted an application for a home mortgage loan in Washington state with XXXX XXXX XXXX. My wife was a co-borrower on the mortgage. The process required a credit check with at least 1 of the 3 credit bureaus, because we received our credit score from all 3 bureaus as part of the mortgage process. In the prior 6 months, my wife and I had not applied for any other loan. 

Since applying for the loan, my wife and I have been receiving 7-10 phone calls and texts per day on weekdays from unknown numbers. My wife and started receiving the calls and texts by the afternoon of the XX/XX/XXXX. The texts that we received were from lenders asking if we were interested in a new mortgage. I answered some of the early calls and the ones that did have a live person on the other end of the line were also from mortgage lenders. The large majority of the calls, according to my phones caller ID, are from a Washington state area codes. My wife and I will sometimes get the calls sequentially ( I receive a call, and then my wife receives a call a minute later from the same phone number ). 

We spoke with our mortgage lender about the calls. He indicated that they are not allowed by law to release information related to the mortgage. It also does not make sense if our lender provided our information to other lenders because the calls and texts are related to applying for a competing new mortgage. 

We believe that the credit check with at least 1 of the credit bureaus for our mortgage is the reason why we have been receiving so many calls. We believe that all of these organizations that have been contacting us somehow obtained the information from 1 or more of the credit bureaus. Our mortgage lender mentioned that credit bureaus had sold information about credit inquiries to other organizations in the past, and could potentially be doing so now with the recent downturn in mortgage applications. 

We do not know which credit bureau ( s ) may have provided our information to these organizations because we received a credit score for all 3 major bureaus as part of our loan application.

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I disputed a bankruptcy that was reported to the credit bureaus on my credit report by XXXX. I reached out to the bureau and they said XXXX XXXX verified this bankruptcy belonged to me. I in turn reached out to XXXX XXXX  to see where they got this information and how was it verified. They told me thru the courts. I verified the us bankruptcy court does not provide information to 3rd parties. I have a right to privacy and for XXXX to illegally obtain that information is in violation of my consumer rights to privacy. It was not verified thru the source and needs to be removed or I will seek monetary support. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2022-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have paid {$14000.00} in payments over the last two years towards a XXXX truck purchased from Regional Acceptance two years ago, and have never missed a payment. The original loan was for {$25000.00}. I requested payoff information in order to sell the vehicle two days ago, and I was told the payoff amount is over {$28000.00}. The employee was belligerent and threatening. I was told there was no penalty for early payoff or selling my vehicle. I have requested statements, which they refuse to produce. There is absolutely no way after paying over 59 % of this loan off in two years, can I possibly owe 112 % of the original loan amount. Ive now researched this company, and this appears to be their typical unethical practices. The company also told me I could take the truck, while they finalized the paperwork, and then called me later and jacked the interest rate up to over 40 %, and was told if I didnt miss any payments in a year, they would refinance for under 20 %, which is still ridiculously high. This is not legal financial practice. I request the proper amount that I have paid deducted from my loan, complete statements for all payments, and the paperwork requested to be able to sell this vehicle.

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 2022-07-13 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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

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 2022-07-13 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was applying for a credit card and received a denial based in part to payment history. I noticed there were a number of recent lates reported on my report from a number of creditors that I have been in Forbearance with due to a financial hardship caused by COVID-19. I provided proof that I was in forbearance and per the CARES ACT I should not have been reported as late while in an active forbearance. I asked Experian to investigate and remove the late payment reporting that was wrongfully applied to my report. 30 days later I received an update that all of the payments were verified by the creditors. I called back and asked for the proof or documentation that differed from mine. 
The rep from Experian simply told me it's " verified ''.

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I disputed a bankruptcy that was reported to the credit bureaus on my credit report by XXXX. I reached out to the bureau and they said XXXX XXXX verified this bankruptcy belonged to me. I in turn reached out to XXXX XXXX  to see where they got this information and how was it verified. They told me thru the courts. I verified the us bankruptcy court does not provide information to 3rd parties. I have a right to privacy and for XXXX to illegally obtain that information is in violation of my consumer rights to privacy. It was not verified thru the source and needs to be removed or I will seek monetary support. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation