vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I cant not contact XXXX. I tried to chat and call about this discrepancy on my credit but no one answers or follow up. 

Attached is the issue - The US Dept of Education has placed a derogatory mark on my credit when the matter was already resolved per the agreement to repay and my reinstatement letter. Although I did dispute the overpayment directly through the US Dept of Edu, AidVantage, and my Financial Aid because the overpayment was due to a mistake by the XXXX XXXX XXXX office, they had a common practice of disbursing financial aid money on a specific date and then going back and taking the money back due to " overpayment '' or some mistake done by their office. This overpayment was made when I was XXXX XXXX XXXX XXXXe. Still, no one took accountability for the error and I had to enter a repayment plan with the Dept of Education although this was not my fault. The Dept of Education is further trying to disenfranchise me by placing this delinquent mark on my credit when I have furthering myself in finishing college and working on my credit. This is a direct result of this department 's negligence. Per the Department of Education, this debt has been resolved. Attached is '' FAFSA reinstatement letter ( letter stating that the debt has been satisfied ) -Screenshot of the derogatory mark on my credit report XXXX points taken from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
I received a letter statement dated XX/XX/XXXX from XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, CA XXXX, phone ( XXXX ) in the amount of XXXX. I also received a second letter statement dated XX/XX/XXXX ( Final Notice ). I showed the XXXX  rep my medical insurance that was filed. I contacted the billing department ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ) phone ( XXXX ) for the service date I was seen on XX/XX/XXXX. They told me that I have a XXXX balance on file and don't know anything about this company. I asked the representative in the billing department how this company was able to get my personal information? I requested that a Supervisor return my phone call to settle this false claim. They couldn't answer that simple question. Somehow I believe my personal information was leaked to this company. How many people are being harassed by mail from this company for false claims?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting 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:
Bureau reporting incorrect amount to my credit report, XXXX reporting {$100.00} to my credit report, Im seeing were Transunion {$97.00} .experian {$97.00} and Equifax {$100.00} all incorrect of the amount and my credit report and that is bad because it hurting my ability to buy a house get credit cards an even buy a car .this is so wrong under the fair credit 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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true Credit history

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 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Demand for Monetary Relief Due to Credit Reporting Violations To Whom It May Concern, I am writing to formally demand monetary relief due to your failure to properly investigate and correct fraudulent information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite submitting multiple disputes with supporting documentation, Equifax, XXXX, and XXXX have negligently failed to : 1. Timely Investigate and Correct Errors You failed to conduct a reasonable investigation into my disputes, allowing fraudulent information to remain on my credit report.

2. Block the Fraudulent Account in a Timely Manner Under 15 U.S.C. 1681c-2, I requested an immediate block of fraudulent information, which you did not process as required by law.

3. Prevent Credit Damage and Financial Harm Your negligence resulted in unnecessary damage to my credit score, which led to loan denials, financial losses, and increased interest rates.

4. Emotional Distress and Harm Due to your failure to act, I have endured significant emotional distress, stress-related health issues, and the inability to access credit and financial opportunities.

Requested Relief : To resolve this matter without further legal action, I am demanding monetary compensation for the following : Actual damages, including financial harm caused by credit denials.

Compensation for emotional distress and damage to my reputation.

Statutory damages as permitted under the FCRA ( up to {$1000.00} per violation ).

If you do not provide an adequate response within 15 days, I will be forced to escalate my complaint by filing a Consumer Financial Protection Bureau ( CFPB ) complaint, reporting this violation to the Federal Trade Commission ( FTC ), and pursuing legal action to recover damages.

Please respond in writing with a resolution to this matter. You may contact me at [ Your Email ] or [ Your Phone Number ] should you require further information. 

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 2025-02-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Demand for Monetary Relief Due to Credit Reporting Violations To Whom It May Concern, I am writing to formally demand monetary relief due to your failure to properly investigate and correct fraudulent information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite submitting multiple disputes with supporting documentation, Equifax, XXXX, and XXXX have negligently failed to : 1. Timely Investigate and Correct Errors You failed to conduct a reasonable investigation into my disputes, allowing fraudulent information to remain on my credit report.

2. Block the Fraudulent Account in a Timely Manner Under 15 U.S.C. 1681c-2, I requested an immediate block of fraudulent information, which you did not process as required by law.

3. Prevent Credit Damage and Financial Harm Your negligence resulted in unnecessary damage to my credit score, which led to loan denials, financial losses, and increased interest rates.

4. Emotional Distress and Harm Due to your failure to act, I have endured significant emotional distress, stress-related health issues, and the inability to access credit and financial opportunities.

Requested Relief : To resolve this matter without further legal action, I am demanding monetary compensation for the following : Actual damages, including financial harm caused by credit denials.

Compensation for emotional distress and damage to my reputation.

Statutory damages as permitted under the FCRA ( up to {$1000.00} per violation ).

If you do not provide an adequate response within 15 days, I will be forced to escalate my complaint by filing a Consumer Financial Protection Bureau ( CFPB ) complaint, reporting this violation to the Federal Trade Commission ( FTC ), and pursuing legal action to recover damages.

Please respond in writing with a resolution to this matter. You may contact me at [ Your Email ] or [ Your Phone Number ] should you require further information. 

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
I've filed multiple complaints against Credit Corp Solutions for violating the fair debt collection act of contacting me before XXXX and after XXXX as well as calling me more than 7 times in a 7-day period. I've submitted proof of this company 's violations of my rights and have received no help from the CFPB, which continues to allow this company to harass me. I've requested that Credit Corp Solutions stop contacting me and to remove any collection remarks from my credit report. They are claiming I owe them {$720.00}. 

Now, Credit Corp Solutions is contacting my family members attempting to collect a debt. This company has not once submitted to me any proof of debt. They claim they are the original creditor, and I have no known accounts with Credit Corp Solutions. I am submitting a screenshot of this company contacting my relative attempting to collect a debt on my behalf, which is violation of CFPB collection practices. The number listed to contact in their message is XXXX -- which is the contact number of Credit Corp Solutions. 

PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: OK

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good day.

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 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction and Investigation of Credit Report Information under FCRA ( 15 USC 1681i ) and Consumer Protection Laws ( 12 USC 5536 ) Dear Sir/Madam, I am writing to formally dispute an item on my credit report and request that you investigate and correct the information in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i , which requires a credit reporting agency to investigate any disputed information on a consumers credit file. 
I have recently reviewed my credit report and identified [ describe the specific item ( s ) you are. This information appears to be inaccurate, incomplete, or unverifiable. Under 15 USC 1681i, I am entitled to request a thorough investigation of this disputed information. 
I need physical documentation evidence that a thorough investigation was conducted on my behalf. In addition, TransUnions actions may also violate the Consumer Financial Protection Act ( CFPB ). 
As required by law, I request that you complete your investigation within the 30-day time frame as outlined by the FCRA and provide me with the results of your findings, including a copy of my updated credit report once the dispute has been resolved. 
Furthermore, as per 12 USC 5536 ( a1A-B ), I expect that you fully comply with the regulations surrounding consumer rights and avoid practices that may mislead or misinform me as a consumer. I trust that you will adhere to all statutory guidelines, ensuring that the accuracy of my credit file is restored and that all consumer protection rights are observed. 
Please find attached any relevant documentation supporting my dispute. If you require additional information or documents, kindly inform me promptly. 
I appreciate your attention to this matter and look forward to your timely resolution of this issue. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX Enclosures : Copies of social security card and drivers license.

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 2025-02-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX v. XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX for failing to accurately report my auto loan payment history on my credit reports. My account ( # XXXX ) was closed with a XXXX balance, yet late payments have been inconsistently reported across the three major credit bureaus.

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which states that furnishers of information must not report inaccurate or misleading information. Additionally, XXXX XXXX Services has failed to properly investigate this dispute per 15 U.S.C. 1681s-2 ( b ).

Furthermore, under 12 CFR 1022.43, I am entitled to an accurate and complete report, free from unverifiable information. I have reached out to XXXX XXXX XXXX directly to resolve this matter, but they have failed to 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 2025-02-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX for failing to accurately report my auto loan payment history on my credit reports. My account ( # XXXX ) was closed with a XXXX balance, yet late payments have been inconsistently reported across the three major credit bureaus.

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which states that furnishers of information must not report inaccurate or misleading information. Additionally, XXXX XXXX Services has failed to properly investigate this dispute per 15 U.S.C. 1681s-2 ( b ).

Furthermore, under 12 CFR 1022.43, I am entitled to an accurate and complete report, free from unverifiable information. I have reached out to XXXX XXXX XXXX directly to resolve this matter, but they have failed to act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NJ

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief