vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
I am tired of old information reappearing on my credit report, ( c ) Treatment of Inaccurate or Unverifiable Information ( a ), ( i ), ( ii ), ( b ) Requirements Relating to Reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( a ), the information may not be reinserted in the file by the consumer reporting agency unless the ( ii ) Notice to consumer of deleted information is reinserted the reporting agency shall notify the consumer in, writing not later than 5 business days after the reinsertion or if authorized by the consumer. ( iii ) A notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. { my statement on file that I want everything to be sent to me in writing & also a victim of Identity Theft, also 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) ( c ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( b ), ( i ), 15 USC 1681 I ( iii ) ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraphs ( 6 ), ( b ), ( iii ) not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution, 611 15 USC 1681 I ( c ) provide written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion!!! ( b ) Statement of Dispute ( d ), ( e ). XXXX along with the reporting collection agency or Debt collection agency are not Adhering to the law of the Fair Debt Collection Act and the Consumer Laws, Both of these companies have caused me not to obtain credit!!

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 2025-03-01 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you to dispute a hard inquiry on my credit report that I believe 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 2025-03-01 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: NM

Complaint narrative:
DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCULDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH THE SOCIAL SECURITY XXXX, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, AND FCRA SectionXXXX ( c ), Section XXXX Part ( A ) ( XXXX ). This complaint is NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.Code XXXXn, Commerical Law,

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 2025-03-01 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: NM

Complaint narrative:
DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCULDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH THE SOCIAL SECURITY XXXX, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, AND FCRA SectionXXXX ( c ), Section XXXX Part ( A ) ( XXXX ). This complaint is NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.Code XXXXn, Commerical Law,

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 2025-03-01 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information contained in my credit report, which I obtained from your agency. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, you are required to ensure the accuracy, fairness, and privacy of the information in consumer credit reports.

The following information on my report is incorrect and has caused undue harm : XXXX XXXX CO Account Number : XXXX XXXX XXXX XXXX XXXX XXXX COLUMBIA DEBT RECOVERY LLC DBA GENESIS Account Number : # XXXX This inaccurate information has negatively affected my creditworthiness and, as a result, has caused financial and personal hardship. Under 15 U.S. Code 1681o, you may be held liable for negligence in failing to comply with the requirements of the FCRA, including your obligation to maintain accurate consumer information. I demand that you immediately investigate this matter and correct or delete the erroneous information from my credit report as required by law. 

I have attached copies of relevant documents that support my claim, including [ mention supporting documents such as credit report excerpts, statements, or correspondence with the creditor ]. 

I expect a written response regarding your investigation within 30 days, as mandated by the FCRA. Should you fail to comply, I will be forced to consider legal remedies to protect my rights under federal law. 

Please confirm receipt of this dispute and provide an update on the resolution process as soon as possible. You may contact me at the information listed above for any further clarification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX, Ca XXXX ] XXXX [ XXXX ( XXXX ) XXXX ] [ XX/XX/XXXX ] [ Experian ] Subject : Request for Assistance Due to XXXX XXXX XXXX Status Dear Experian or " Customer Service Department '' ], I am writing to inform you that I am a XXXX XXXX XXXX XXXX and as a result, I am reaching out to request your assistance regarding the accounts listed below that have inaccurate information impacting my credit report.

Accounts in Question : XXXX. XXXXXXXX XXXX XXXX  - Account Number : [ Insert Account Number ] - Reported Late Payment : [ Specify date of the late payment ] - Balance : {$1500.00} - Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : [ Insert Account Number ] - Reported Late Payment : [ Specify date of the late payment ] - Balance : {$280.00} - Date Updated : XX/XX/XXXX Due to my circumstances as a XXXX XXXX, I have faced significant challenges in managing my financial affairs. I have been working to regain control of my life, and I am seeking your support in rectifying these issues on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX, Ca XXXX ] XXXX [ XXXX ( XXXX ) XXXX ] [ XX/XX/XXXX ] [ Experian ] Subject : Request for Assistance Due to XXXX XXXX XXXX Status Dear Experian or " Customer Service Department '' ], I am writing to inform you that I am a XXXX XXXX XXXX XXXX and as a result, I am reaching out to request your assistance regarding the accounts listed below that have inaccurate information impacting my credit report.

Accounts in Question : XXXX. XXXXXXXX XXXX XXXX  - Account Number : [ Insert Account Number ] - Reported Late Payment : [ Specify date of the late payment ] - Balance : {$1500.00} - Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : [ Insert Account Number ] - Reported Late Payment : [ Specify date of the late payment ] - Balance : {$280.00} - Date Updated : XX/XX/XXXX Due to my circumstances as a XXXX XXXX, I have faced significant challenges in managing my financial affairs. I have been working to regain control of my life, and I am seeking your support in rectifying these issues 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 non-monetary relief
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM ESCALATING THIS MATTER NOW AFTER EQUIFAX HAS FAILED TO THOROUGHLY INVESTIGATE THE FRUAUDELENT ITEMS ON MY CREDIT REPORT WHICH ARE A RESULT OF IDENTITY THEFT. I HOPE EQUIFAX RESPONDS TO THIS COMPLAINT IN A TIMELY MANNER THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My information was stolen in a data breach. And would like for all things to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting 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: NM

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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 2025-03-01 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, XXXX XXXX XXXX credit report. XXXX XXXX Open date : XX/XX/XXXX. XXXX XXXX date : XX/XX/XXXX. XXXX XXXX date : XX/XX/XXXX. XXXX XXXX XXXX  Open date : XX/XX/XXXX. XXXX XXXX XXXX Open date : XX/XX/XXXX XXXXXXXX XXXX  Open date : XX/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 2025-03-01 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: TX

Complaint narrative:
I have deleted on Experian every negative item due too identity theft they put it back on I have proof Equifax got in trouble again leaking credit reports I deleted everything they put back on Transunion deleted back on it want stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I have deleted on Experian every negative item due too identity theft they put it back on I have proof Equifax got in trouble again leaking credit reports I deleted everything they put back on Transunion deleted back on it want stop

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 2025-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX. 

My federal student loans are serviced by Aidvantage. I am on the XXXX plan. I am in XXXX  % interest forbearance while the XXXX plan is being litigated. But {$XXXX} in interest has accrued on my loans since the last statement I received in XX/XX/XXXX. 

I also want to see all of my statements since I took out the loans in XXXX to make sure no other improper interest accrued. I have tried to obtain these, but was given false information about how to obtainin them. I was told to obtain them on XXXX, but the customer service representative there told me to obtain the info from Aidvantage and it wasn't available on XXXX So I went back to Aidvantage but they would never directly answer my repeated questions asking for the statement even when I told them that XXXX sent me back to them for the statements. 

The only available statements on my Aidvantage account are from XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX where the principal balance was consistently {$XXXX}. But nothing before or after these months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All of my personal Data was breached from XXXX XXXX, Trans Union I have been getting phone calls from places and people telling me. I owe them money nonstop since all my personal data has been breached from these companies. Whatever they have on there is not me I do not owe them. Can you please help me get this fixed? Thank you and XXXX bless.

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 2025-03-01 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: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, and Transunion ) credit report and I noticed some late payments on there. 

Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY 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. 

I did not give your company written permission to furnish these late payments on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, 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 2025-03-01 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: OK

Complaint narrative:
DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCULDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH THE SOCIAL SECURITY ADMINISTRATION, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, AND FCRA Section605 ( c ), Section 611 Part ( A ) ( 1 ). This complaint is NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.Code 1681n, Commerical Law,

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 2025-03-01 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: OK

Complaint narrative:
DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCULDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH THE SOCIAL SECURITY ADMINISTRATION, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, AND FCRA Section605 ( c ), Section 611 Part ( A ) ( 1 ). This complaint is NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.Code 1681n, Commerical Law,

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 2025-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NC

Complaint narrative:
My loans are serviced by Mohela. I believe that interest has been accruing improperly since I have been on the XXXX plan as well as since the XXXX plan has been in 0 % interest forbearance and possibly before that as well. I have asked many times for statements for the life of my loans and after much, much effort only received a ledger accounting for the period between XX/XX/XXXX and XX/XX/XXXX. Even in this time period, interest appears to have improperly accrued. The beginning balance in XX/XX/XXXX appears to be {$110000.00} and {$110000.00} in XX/XX/XXXX. It shouldn't have accrued any interest during this period due to the SAVE plan. And interest appears to have accrued after this time as well even though my loans were in SAVE 0 % forbearance. My balance appears to now be {$110000.00}. 
I also have no idea if interest was properly calculated prior to XX/XX/XXXX since Mohela will not send me these statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: MD

Complaint narrative:
The information was not mines they keep sending it the credit companies. Stuff keep coming up that's not mines.

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