vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX, I had a paraesophageal ( type XXXX XXXX XXXXXXXX XXXX XXXX XXXX done at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never received a bill or breakdown of services for this XXXXXXXX XXXX XXXXXXXX XXXX. 

On XX/XX/XXXX, I had a XXXX XXXX XXXX XXXX XXXX done at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never received a bill or breakdown of services for this XXXX from XXXX XXXX. 

Still waiting for a bill from XXXX XXXX, I logged into my online XXXXXXXX XXXX XXXXl and I noticed a " Past Due '' balance, so I immediately paid {$400.00} on XX/XX/XXXX, {$300.00} on XX/XX/XXXX, and {$300.00} on XX/XX/XXXX. To date, I have never received a bill for any of this from XXXX XXXX, nor have I ever been able to contact them via phone to make payment arrangements as there were long wait times or I kept getting disconnected. 

I received a letter from a collection agency ( I.C. System Inc. ) on XX/XX/XXXX notifying me that XXXX XXXX has turned my account over to this collection agency - even though I've been making payments.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I reviewed my Consumer Reports and notice I had a late payment on an account that I was never late, for Consumers Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy.

I have never be late on payments for the account. XXXX XXXX XXXX XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late. 
If proof cant be provided, I demand these payments be updated to on time as they should be as I was Never late. 

Thanks.

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 2025-01-14 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I reviewed my Consumer Reports and notice I had a late payment on an account that I was never late, for Consumers Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 
I have never be late on payments for the account. XXXX XXXX XXXX XXXX XXXX please investigate and provide proof with statements showing that these payments were late. 
If proof cant be provided, I demand these payments be updated to on time as they should be as I was Never late. 

Thanks.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. i recently did an investigation on my credit report and i am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy.

You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says i have the right to decide what i deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( 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.

Under 15 U.S. Code 6802- I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or had provided to the consumer a notice, which i have not received. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Subject : Request for Full Validation of Account Accuracy Dear Experian Team, I am writing to formally request a full validation of the information you have on file regarding the XXXX account ( account number : XXXX ) as reflected in my credit report. Recent allegations outlined in the Consumer Financial Protection Bureau 's lawsuit against Experian, filed on XX/XX/scrub>XXXX XXXX XXXX have raised concerns about the integrity and accuracy of consumer data handling practices. 

In light of these allegations, I believe that I am a victim of the practices cited in the lawsuit and am therefore exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute and request validation of this account. I am particularly concerned about the verification process you conducted to confirm the accuracy of the above-referenced account. Therefore, I request detailed documentation and evidence used to verify the accuracy of this account. 

Additionally, the last investigation regarding this account was completed on XX/XX/year> ( Report Number : XXXX ) with the result marked as " verified and updated Please provide the following information : Detailed steps taken to verify the account. 

The original creditor 's name, address, and contact information. 

Copies of any documents you used to verify the account 's accuracy. 

Any communication exchanged between Experian and the creditor regarding this account. 

The date the account was closed. 

The date of the last activity on the account. 


Under 15 U.S. Code 1681i - Duty of Furnishers of Information Regarding Disputed Information ; Procedures in Connection with Disputed Information, furnishers of information are required to conduct a reasonable investigation and provide verification of the accuracy of the disputed information. 

I trust that you will treat this matter with the urgency it requires and respond within the legally required time frame. Your prompt attention to this request is greatly appreciated. 

Thank you for your cooperation.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I submitted XXXX XXXX XXXXXXXX  paperwork for the second time with corrections asked during the first denial with aidvantage. Upon second submission I was not notified of receiving my application and the uploads page on the account will never show what I have upload the status or anything related to it. I reached out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they told me 60 days to process from submission. In XXXX I was told it was actually 90 days. In XXXX they stated the processing was on hold until XXXX but my application was reviewed and I should hear on next steps soon. Never heard from them until I called on XX/XX/XXXXXXXX I spoke with three different aidvantage reps and each told me to contact FAFSA as aidvantage doesnt process or know the status. Never once was I told it was denied through any three phone calls. I then called FAFSA after each time I was told they process this by three different aidvantage people. I spoke to 12 people and departments at student aid. Each of them told me that they dont process teacher loan forgiveness paperwork and it was through the lender service. The final aidvantage person I spoke to told me to resubmit the application from XX/XX/XXXXXXXX  Which now I know is incorrect. I sent a heated email that afternoon on XX/XX/XXXXXXXX demanding action and response or I would seek legal action. I got an immediate response on XX/XX/XXXX stating it was denied as my school wasnt on the directory. I emailed back stating my school wasnt and that I have the five documents from directory downloaded to show. They then responded my application didnt list my specific school and that it stated I still worked for my district but that the last 3 years my specific schools was listed as low income. I responded back with questions on what specifically they need the services to look like since I still worked for the district and that is what my XXXX XXXX indicated and that I would make sure that the XXXX listed my school specifically as listed in directory. I now will be submitting the application for the fourth time. The lack of communication and effort on their part along with the lack of knowledge relating to this program and who processes it is concerning. Yet they can easily take my direct deposits monthly with no qualms. I demanded processing and action of the new application within 7 calendar days when I submitted the application on XX/XX/XXXX. I now know this is Incorrect and will have to work with hr to get a new application signed and verified asap and rep loaded to aidvantage. I plan to let them know from the date I upload I still expect 7 calendar processing. At this point I have no clue who actually processes it however they can figure this out amongst themselves before legal action is taken on aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1988, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: DC

Complaint narrative:
The problem started after I fill out an auto application with XXXX XXXX XXXX XXXX VA. 
on XX/XX/XXXX. 
The first card application from Discover card I didn't summit on XX/XX/XXXX, that was denied came in the mail, then a notification from XXXX XXXX a case has been file with them. 
Discover card was contacted. 
Now on XX/XX/XXXX, I have received denied application from XXXX XXXX credit services and XXXX XXXX credit services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I filed a dispute regarding three incorrect accounts on my report in XXXX, and second dispute XX/XX/year>. Both disputes were supposedly investigated and verified as accurate, however they never provided method to determine accuracy as requested in the dispute in XX/XX/year> nor was I provided information and details regarding the original reported debts being reported. All inaccurately being reported are a result of identity theft in which an affidavit was submitted however the debts were claimed to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX DEAR TRANSUNION, Contents of Complaint : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX the credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am very much in disbelief of what's happening with my consumer report, the listed accounts are listed below. 

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 

ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me so stressed. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.

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