vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
I disputed a debt allegedly owed to XXXX with Transworld Systems , Inc. ( a debt collector ) on XX/XX/year>, by completing the form attached to the debt validation notice and mailed it back to Transworld Systems Inc. promptly the same day. At that time, the debt was purportedly {$330.00}.

Prior to disputing the debt with Transworld Systems , Inc., I repeatedly wrote and spoke with XXXX disputing the debt and requested documentation and an itemized statement evidencing that I agreed to the debt. XXXX did not respond and instead, sent the debt to Transworld Systems , Inc. , WITHOUT NOTIFYING Transworld Systems , Inc. that the debt was disputed. 

Today, I received a call from yet another debt collection company called XXXX and the debt collector said I owe {$700.00} to XXXX. I explained that I have repeatedly disputed the debt as it is not mine. Apparently, Transworld Systems , Inc. sold or placed the date with another debt collection company, XXXX, without notifying XXXX that I dispute and the debt and it is not mine. The debt collector also said I had to go to XXXX 's website to dispute the debt. My understanding is that if I disputed the debt in writing to XXXX and disputed the debt in writing with Transworld Systems , Inc. , there isn't a requirement that I go to yet another debt collector 's website to dispute the debt again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-11-01 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: TX

Complaint narrative:
I am contacting you to request the blocking and deletion of the following account and associated inquiries from my credit report, as I am a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Account to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to Be Blocked and 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 2024-11-01 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: VA

Complaint narrative:
I received an account statement in XX/XX/2024 that had a monthly payment amount $ XXXX dollars more than my loan payment had been previously. When I reached out to Aidvantage the customer service rep informed me that my loan repayment terms had been changed in XX/XX/2024, and I should have received documentation informing me of such. As you can see, from Aidvantage 's own website I did not receive this updated loan terms document in XXXX, nor did I request my loan terms be changed. It is in violation of the Truth in Lending Act and UDAAP to not properly disclose loan terms to borrowers. I have also been working with a XXXX XXXX XXXX XXXX, who requested I send them my aid data after I informed them that for the THIRD time Aidvantage had changed my loan terms without me prompting and without properly informing me. I sent that along, and they noted that when they had been working with Aidvantge, Aidvantage informed them in XXXX all my loans were on the Standard Repayment plan, and my NSLDS shows that was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Today as I logged in to XXXX XXXX and under the XXXX. Score a fraudulent account has been entered onto my XXXX Card stating that a Payment was missed for the amount of {$410.00}, but does NOT show any " Business Name '' or " Dates '' and claims it's been owed for " 4 years ''. This is an intentional disruption of my once XXXX XXXX. score, XXXX XXXX website " Block any and all attempts to log on ''. Banks are inputting " Fraudulent Directory information for the sake of causing financial hardship, then blocking access to Dispute the Fraudulent Information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Today as I logged in to XXXX XXXX and under the XXXX. Score a fraudulent account has been entered onto my XXXX Card stating that a Payment was missed for the amount of {$410.00}, but does NOT show any " Business Name '' or " Dates '' and claims it's been owed for " 4 years ''. This is an intentional disruption of my once XXXX XXXX score, XXXX XXXX website " Block any and all attempts to log on ''. Banks are inputting " Fraudulent Directory information for the sake of causing financial hardship, then blocking access to Dispute the Fraudulent Information

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: CO

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: CO

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of a fraudulent account from my credit report, as I am a victim of identity theft. This account was opened without my authorization, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this information removed. 
Fraudulent Account : XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$15000.00}

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 2024-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Scheer, Green & Burke L.P.A.
State: MI

Complaint narrative:
XX/XX/XXXX I called w/closed case #, explaining that an overpayment was made to the law firm & was told there were multiple accounts still open with balances due. I called the court XX/XX/XXXX to verify case # etc had been closed/ paid in full ( never received XXXX information from firm ). I sent the office accountant/Mgt multiple emails = XXXX reply. Called again & spoke with another employee XX/XX/XXXX who verified multiple accounts unpaid w/my name & case #. He asked me to call his boss office account XXXX. Finally got her on the XXXX as she yelled, talked over me, she told me my over payment from case XXXX XXXX was applied XX/XX/XXXX to a different account that they hadnt sued me for yet. I asked her to send me that information she said talk to the lawyer, done arguing Only person arguing was her. This law firm has already sent me XXXX XXXX other payments for over charges on case # XXXX. Now they once again over charged ( w/same case # ) but refused to answer my calls/ emails/etc I have 100 %

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently submitted a report to CFPB complaint # XXXX XXXX submitted XX/XX/year> XXXX collection - the matter was closed in my favor. 

I am currently requesting that CFPB request the same company to remove the charge off from my credit report and stop calling/texting me. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against TransUnion due to negligent practices in handling my credit report, which has led to the inclusion of incorrect names and addresses in my credit file. This lack of control and verification of information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically under Sections 605, 609, and 604, and negatively impacts my rights as a consumer.

Upon reviewing my credit report, I found that TransUnion included names and addresses that do not belong to me. This erroneous information is creating an incorrect association on my profile, unfairly affecting my credit history by presenting data that does not correspond to my identity and may mislead those reviewing my report. 
Specific Areas of Concern Negligent Association of Incorrect Data : TransUnion has linked names and addresses that are not mine, likely due to inadequate controls. This problem affects consumers like myself by providing lenders with inaccurate information.

Failure to Verify and Maintain Accurate Records ( FCRA Section 609 ) : My rights under the FCRA include the assurance of accuracy in my credit file. TransUnions failure to verify and report only correct information infringes upon my rights as a consumer.

Retention of Information without Legitimate Evidence ( FCRA Section 605 ) : TransUnion has also retained unauthorized information, such as employer data, without evidence justifying its inclusion in my file.

Negligent Reporting of Unnecessary Information ( FCRA Section 604 ) : TransUnion continues to retain irrelevant information, such as incorrect phone numbers and personal details, which does not comply with legal requirements.

Request for Intervention and Resolution Given the seriousness and persistence of these issues, I request CFPB intervention to ensure that TransUnion : Strictly complies with the law by removing all incorrect names and addresses that are not verified as belonging to me.

Implements corrective and preventive measures to ensure the accuracy and legality of the information it reports.

Is required to ensure that, in the future, only authorized and legally valid data is maintained in my file, as required by the FCRA. 
Thank you for your attention to this complaint. I urge prompt and firm action to enforce FCRA regulations and protect my rights as a consumer. 
Sincerely, XXXX XXXX XXXX : Supporting Documentation

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against TransUnion due to negligent practices in handling my credit report, which has led to the inclusion of incorrect names and addresses in my credit file. This lack of control and verification of information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically under Sections 605, 609, and 604, and negatively impacts my rights as a consumer.

Upon reviewing my credit report, I found that TransUnion included names and addresses that do not belong to me. This erroneous information is creating an incorrect association on my profile, unfairly affecting my credit history by presenting data that does not correspond to my identity and may mislead those reviewing my report. 
Specific Areas of Concern Negligent Association of Incorrect Data : TransUnion has linked names and addresses that are not mine, likely due to inadequate controls. This problem affects consumers like myself by providing lenders with inaccurate information.

Failure to Verify and Maintain Accurate Records ( FCRA Section 609 ) : My rights under the FCRA include the assurance of accuracy in my credit file. TransUnions failure to verify and report only correct information infringes upon my rights as a consumer.

Retention of Information without Legitimate Evidence ( FCRA Section 605 ) : TransUnion has also retained unauthorized information, such as employer data, without evidence justifying its inclusion in my file. 
Negligent Reporting of Unnecessary Information ( FCRA Section 604 ) : TransUnion continues to retain irrelevant information, such as incorrect phone numbers and personal details, which does not comply with legal requirements.

Request for Intervention and Resolution Given the seriousness and persistence of these issues, I request CFPB intervention to ensure that TransUnion : Strictly complies with the law by removing all incorrect names and addresses that are not verified as belonging to me. 
Implements corrective and preventive measures to ensure the accuracy and legality of the information it reports. 
Is required to ensure that, in the future, only authorized and legally valid data is maintained in my file, as required by the FCRA. 
Thank you for your attention to this complaint. I urge prompt and firm action to enforce FCRA regulations and protect my rights as a consumer. 
Sincerely, XXXX XXXX XXXX : Supporting Documentation

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: NH

Complaint narrative:
I tried too many times to request to delete out of my credit bureau this closed acct with XXXX  balance from XXXX  XXXX  and Credit collection Services i didn't know that police was under my name until today XX/XX/XXXX because my ex husband XXXX XXXX he set up everything for me under my name and him as a driver and that acct was sent to the collection agency on XXXX and i paid in full the amount {$270.00} and now the balance is cero but still is appear on my credit bureau affecting me to buy a house or increase my credit score, I'm really worried about because is not fear that and now i don't know how those company 's don't want to help me to remove that.

I'm hopping to get a great result about this and finally get out of my credit bureau this acct in XXXX  balance. 


Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX, 2024, I requested Experian to remove incorrect phone numbers, mailing addresses that I can not receive mail at, and to correct full name. I just received back my report around XX/XX/scrub> 2024. Under personal information it reads '' Personal information DOES NOT impact your score at all.

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 2024-11-01 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: CO

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-11-01 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of certain fraudulent inquiries that have appeared on my credit report. I am a victim of a data breach, and I believe that these inquiries were made without my knowledge or consent. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following inquiries from my credit report as they were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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