vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
in accordance with the fair credit reporting act XXXX has violated my right. 
15 U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instruction.

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 2023-03-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have noticed several inaccurate and unfair entries that are harming my credit score. I would appreciate it if you could remove these negative items immediately. 

Firstly, the XXXX  XXXX Bankruptcy with the Case Number XXXX and the XXXX  XXXX Bankruptcy with the Case Number XXXX are both inaccurately reported on my credit report. I am unsure why you have not removed them when the other bureaus have already done so. 

Secondly, the following inquiries have reached the statute of limitations and should be removed from my credit report : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), and XXXX XXXX XXXX XX/XX/XXXX ). 

Thirdly, there are several inquiries on my credit report that were not authorized by me. I suspect that these inquiries might be fraudulent and I would like them removed from my credit report immediately. These unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ). 

Lastly, I dispute the following accounts, which have been inaccurately reported as late payments : XXXX ( Account Number : XXXX ) and XXXX XXXX XXXX XXXX Account Number : XXXX ) and XXXX ( Account Number : XXXX ). To the best of my knowledge, these accounts have never been paid late, and it is ruining my credit. You must update these accounts and delete the inaccurate information immediately. 

I urge you to investigate these matters and take the necessary actions to remove the inaccurate and unfair information from my credit report as soon as possible. I look forward to hearing back from you regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Reporting late payments on my credit report when i have never been on a payment plan with them because i am still enrolled in school they are reporting 90 days past due and this is not right or true at all the late payment for denefits needs to be removed as well the late payments for credit acceptance needs to be removed as well

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 2023-03-17 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: MOHELA
State: MI

Complaint narrative:
Reporting late payments on my credit report when i have never been on a payment plan with them because i am still enrolled in school they are reporting 90 days past due and this is not right or true at all the late payment for denefits needs to be removed as well the late payments for credit acceptance needs to be removed as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX  data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights 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 explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Synovus Bank
State: MI

Complaint narrative:
I was told the late payment would be removed this is hurting my application for purchasing a home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
My husband and I opened a Savings Builders account with CIT bank in 2017, advertised by CIT as the product with the highest interest rate. When we signed up, the interest rate was 2.65 %. Over the years, interest rate adjusted down with the market, and we were under the impression it would adjust up with the market, since it's been advertised to be the product with the highest interest rate.

However, we found out that the interest rate is currently at less than one percent, whereas their other newer products are offering rates over four percent. We were not properly notified to transfer to the newer products, and or what their interest rates are. We place a lot of trust in the bank and do not check our interest rate vs the other products everyday. The bank deceived us into believing we have the product at the highest interest rate from their bank. We currently have over {$260000.00} savings in the bank and have lost several thousands  of dollars in interest, because of their false advertisement of the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) Capital One Auto Finance XXXX XXXX : XXXX and XXXX is in violation not reporting 100 % accurate it lists. Also, I have not given written permission for this debt to be shared with any other 3rd parties like XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Braviant Holdings, LLC
State: MO

Complaint narrative:
No verification letter has been sent. I have requested for one to be sent several times and they are refusing to send one. I informed them by law a verification letter needed to be sent to me. I was told either I will pay the settlement amount, set up a payment arrangement, or go to court. I stated that I havent received anything in writing from you all so I dont feel safe just paying money when its not validated nor any prior communication. Also, I was hung up on by the Finance manager in the midst of trying to come to settlement arrangement. I was repeatedly cut off and was given demands to pay or that there wasnt anything to discuss. I have not been provided no documentation and they seem to be trying to force me into paying un-verified/validated amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have noticed several inaccurate and unfair entries that are harming my credit score. I would appreciate it if you could remove these negative items immediately. 

Firstly, the XXXX XXXX XXXX with the Case Number XXXX and the XXXX XXXX XXXX with the Case Number XXXX are both inaccurately reported on my credit report. I am unsure why you have not removed them when the other bureaus have already done so. 

Secondly, the following inquiries have reached the statute of limitations and should be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thirdly, there are several inquiries on my credit report that were not authorized by me. I suspect that these inquiries might be fraudulent and I would like them removed from my credit report immediately. These unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Lastly, I dispute the following accounts, which have been inaccurately reported as late payments : 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 To the best of my knowledge, these accounts have never been paid late, and it is ruining my credit. You must update these accounts and delete the inaccurate information immediately. 

I urge you to investigate these matters and take the necessary actions to remove the inaccurate and unfair information from my credit report as soon as possible. I look forward to hearing back from you regarding this matter. 

Sincerely, 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 2023-03-17 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: OH

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights 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 2023-03-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-03-17 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: GA

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 Account XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
The US Department of Edu XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
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 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 2023-03-17 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: MD

Complaint narrative:
Equifax continues to report errors pertaining to a PAID XXXX charged-off account XXXX The Payment Status is incorrect because this account was PAID in XX/XX/XXXX. 

The Date Opened is incorrect ( as the other CRAs report different information. ) The Date Last Active is incorrect The Date of Last Payment is incorrect. It shows XX/XX/XXXX. 

The Account Type is Incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am writing this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: CCS Financial Services, Inc.
State: TN

Complaint narrative:
Upon reviewing my Experian credit report, I noticed 2 accounts in collection with Credit Collection Services, XXXX, MA. The 2 accounts are duplicates, with the alleged original creditor listed as XXXX XXXX XXXX. One total says {$110.00}, and the other {$110.00}. XXXX XXXX would to insure a person a second time who had an outstanding balance with them, so this is clearly in error. 
Second, I dispute the validity of any debt with them. In XX/XX/XXXX, my son was diagnosed with an illness that would prevent him rom driving for some time, and I called XXXX XXXX and had him removed from the policy. They explained that he would not be able to return to the policy, and I accepted those terms. I was still billed for his coverage, despite termination. I attempted to resolve this with XXXX XXXX, and instead they set me to collections with Credit Collection Services, who then reported me twice on my credit report, or the same account. 
I believe my son is also being discriminated against as per the Americans With Disabilities Amended Act 2008. 
I have attempted to contact Credit Collection Services, and I only remain on hold or excess of an hour each time I attempt to call. I have been unable to reach anyone there. 

I have also made NUMEROUS attempts to contact XXXX and there is no way to reach a live representative.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA bank offers fixed rate CDs. When I purchased my CD, I was told by the representative that I could speak to the service department and have the CD changed so that it would not automatically renew. When I contacted the service department on XX/XX/2023, they indicated that I could not change the CD to not automatically renew until the 10-day grace period. Additionally, documents on their website at https : //www.usaa.com/inet/wc/advice-finances-everything-to-know-about-cds say the following : " When your CD matures, or the term ends, you receive your deposited money plus the interest you earned along the wayunless you decide to renew the CD for another term. You also have the option of reinvesting your money into a new CD with a different term. '' This is apparently false, instead it should read : When your CD matures, or the term ends, you WIL NOT receive your deposited money plus the interest you earned along the wayunless you decide to NOT renew the CD for another term. Your CD WILL BE AUTOMATICALLY SET UP TO REINVEST your money into a new CD with a different term. IF YOU CHOOSE NOT TO REINVEST, YOU MUST LET USAA KNOW WITHIN THE 10-DAY GRACE PERIOD PRIOR TO THE RENEWAL DATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 



In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 



The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 



As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and companies listed have violated my rights 15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPAA violation breach ; there are medical collections 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 2023-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I have received repeated calls looking for someone l. I answered after repeated calls and told him to please remove my number and stop calling I am not the person they are trying to contact. Before I could breathe another word he said, you could at least say thank you. I said, it paused I was going to. He said, youre being hostile and rude. Very unprofessional and rude especially calling a wrong number, repeatedly.

Company response to consumer: Closed with explanation