vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: Click n' Close, Inc.
State: GA

Complaint narrative:
I dispute the following hard inquires on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. ~168B1i ), Unverified inquires must be removed. Please investigate and remove any unverifiable inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The webpage pulls name incorrectly from social security number and prints score of an XXXX name to surname when the format of my name is XXXX XXXX to surname with perfect credit. I am unable to use account due from error.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with TRANSUNION 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.

TRANSUNION 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 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 2025-03-09 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: MI

Complaint narrative:
The week of XX/XX/year>, XXXX XXXX and/ or his affiliated companies, also know as the Department of Government Efficiency were given unauthorized disclosure of my student loan information without my written consent, for higher education obtained at XXXXXXXX XXXX which was from granted from the federal government student aid and from XXXX Student Aid. I understand that my student loan data, which includes personally identifiable information protected by the Family Educational Rights and Privacy Act ( FERPA ), has been accessed by these parties again without my consent. I have never authorized the release of this information to XXXX XXXX or any of his entities, and I am extremely concerned about the potential misuse to my private data. This unauthorized access appears to be a direct violation of my rights under FERPA. the information contained within the student loan database, including my Social Security number, financial records, and other sensitive personal details, requires the highest level of confidentiality.

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 2025-03-09 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: MI

Complaint narrative:
The week of XX/XX/year>, XXXX XXXX and/ or his affiliated companies, also know as the Department of Government Efficiency were given unauthorized disclosure of my student loan information without my written consent, for higher education obtained at XXXXXXXX XXXX which was from granted from the federal government student aid and from XXXX Student Aid. I understand that my student loan data, which includes personally identifiable information protected by the Family Educational Rights and Privacy Act ( FERPA ), has been accessed by these parties again without my consent. I have never authorized the release of this information to XXXX XXXX or any of his entities, and I am extremely concerned about the potential misuse to my private data. This unauthorized access appears to be a direct violation of my rights under FERPA. the information contained within the student loan database, including my Social Security number, financial records, and other sensitive personal details, requires the highest level of confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MI

Complaint narrative:
The week of XX/XX/year>, XXXX XXXX and/ or his affiliated companies, also know as the Department of Government Efficiency were given unauthorized disclosure of my student loan information without my written consent, for higher education obtained at XXXXXXXX XXXX  which was from granted from the federal government student aid and from XXXX Student Aid. I understand that my student loan data, which includes personally identifiable information protected by the Family Educational Rights and Privacy Act ( FERPA ), has been accessed by these parties again without my consent. I have never authorized the release of this information to XXXX XXXX or any of his entities, and I am extremely concerned about the potential misuse to my private data. This unauthorized access appears to be a direct violation of my rights under FERPA. the information contained within the student loan database, including my Social Security number, financial records, and other sensitive personal details, requires the highest level of confidentiality.

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 2025-03-09 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:
The following CLOSED ACCOUNT on my credit report : XXXX XXXX reporting on XX/XX/year>XXXX  for the amount of {$12000.00}. Under the Fair Credit Reporting Act ( FCRA ), Section ( 15 U.S.C. ~1692g ) ( 15 U.S.C. ~ 1635 ), YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING.

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 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXXXXXX for failing to properly investigate a credit dispute I submitted regarding an inaccurate late payment on my TransUnion credit report. 

On XX/XX/year>, I submitted a dispute to XXXX XXXX regarding inaccurate late payments reported on my student loan account. On XX/XX/year>, I received a letter from XXXX XXXX stating that they required additional information to proceed with the investigation. I immediately provided the requested documentation on XX/XX/year>, yet I have not received any further response or resolution. 

As of today, it has been over 30 days since I originally filed the dispute, and XXXX XXXX has failed to make a decision or remove the inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), creditors and servicers are legally required to complete an investigation within 30 days. Their failure to do so is a clear violation of my rights.

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 2025-03-08 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: IL

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for improperly re-reporting previously deleted late payments on my credit report. 

Background : I had late payments from XXXX to XXXX due to financial hardship from a flood disaster. 
I successfully requested a goodwill adjustment from XXXX XXXX XXXX XXXX, and the late payments were removed from my credit report. 
However, despite this correction, the late payments were recently re-added without notice or explanation, causing significant damage to my credit score.

Violations & Concerns : Re-insertion of Previously Deleted Information ( FCRA Violation - 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) The Fair Credit Reporting Act ( FCRA ) prohibits re-inserting negative items unless the furnisher provides written certification of accuracy. 
Neither XXXX XXXX XXXX XXXX nor the credit bureaus notified me before re-reporting these late payments. 
Failure to Notify Me of the Re-Insertion Under the FCRA, if a previously deleted item is reinserted, the credit bureaus must notify me in writing within 5 days of the re-reporting. 
I received no such notice from TransUnion, Equifax, or Experian. 
Unfair & Deceptive Practices The sudden re-reporting of late payments after they were previously removed is unfair and deceptive. 
This action is causing me financial harm and affecting my ability to secure a mortgage.

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 2025-03-08 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: IL

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for improperly re-reporting previously deleted late payments on my credit report. 

Background : I had late payments from XXXX to XXXX due to financial hardship from a flood disaster. 
I successfully requested a goodwill adjustment from XXXX XXXX XXXX XXXX, and the late payments were removed from my credit report. 
However, despite this correction, the late payments were recently re-added without notice or explanation, causing significant damage to my credit score.

Violations & Concerns : Re-insertion of Previously Deleted Information ( FCRA Violation - 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) The Fair Credit Reporting Act ( FCRA ) prohibits re-inserting negative items unless the furnisher provides written certification of accuracy. 
Neither XXXX XXXX XXXX XXXX nor the credit bureaus notified me before re-reporting these late payments. 
Failure to Notify Me of the Re-Insertion Under the FCRA, if a previously deleted item is reinserted, the credit bureaus must notify me in writing within 5 days of the re-reporting. 
I received no such notice from TransUnion, Equifax, or Experian. 
Unfair & Deceptive Practices The sudden re-reporting of late payments after they were previously removed is unfair and deceptive. 
This action is causing me financial harm and affecting my ability to secure a mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am filing a formal complaint regarding an attempt to collect a medical debt that was already removed from my credit report in XX/XX/2024. Despite this, a third-party debt collection agency is now attempting to collect on the debt again and has inaccurately reported it to credit bureaus. I request an immediate investigation and resolution. 

This medical debt was originally owed to XXXX XXXX XXXX XXXX XXXX  with an original balance of {$920.00}. I worked with a credit repair company, which successfully removed the initial medical collection from my credit report in XX/XX/2024. I have attached proof of this removal for your review. 

Credit Management Co contacted me regarding this same debt and is attempting to collect an amount of {$920.00}. This collection attempt is improper, as the debt was removed from my credit report. If the agency has re-reported the debt to the credit bureaus, this would be considered re-aging, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am formally requesting that all collection activities related to this removed debt immediately cease. I also request written confirmation from the debt buyer stating that they will no longer attempt to collect on this account. If this debt has been inaccurately re-added to my credit report, I demand its immediate removal from all reporting agencies. 

This situation has caused unnecessary stress and inconvenience, and I demand immediate corrective action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Company failed to reinvestigate incorrect and harmful reports and provided them to creditors without my consent or in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: WA

Complaint narrative:
We took out a loan to finance a solar installation. XXXX XXXX is the solar installer. They recommended that we go through Mosaic Financial as that is the company they work with. 

The loan amount was for {$34000.00}. We were told that we would be paying an initial monthly payment of {$290.00} and had 18 months to pay down 30 % of the loan at which time the payment would remain the same. 

So, we made our first payment in XXXX and then received our XXXX statement which showed that the balance owed increased by {$3500.00} This was not explained when we took out the loan. I believe that this is a predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
Subject : ReDispute of Inaccurate Reporting Request for Deletion To Whom It May Concern, I am writing to formally redispute the reporting of the XXXX XXXX, and Perpay accounts on my credit report. The accounts are listed as " Profit & Loss Write-Off '', which indicates that the original creditor has already received financial compensation for the debt, either through insurance, tax write-off benefits, or sale to a third-party debt buyer. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit bureaus are required to report only accurate, complete, and verifiable information. I am disputing this account for the following reasons : Lack of Accuracy ( 15 U.S.C. 1681e ( b ) ) The status of " Profit & Loss Write-Off '' suggests that the original creditor has been compensated, yet the account remains on my report, creating a misleading and inaccurate representation of my financial obligations. This is inconsistent with accurate and complete reporting requirements under FCRA.

Verification Requirement ( 15 U.S.C. 1681i ( a ) ) I am requesting that you provide documentation proving that this account is still valid, enforceable, and being correctly reported. If the creditor has received financial relief or has sold/transferred this debt, the continued reporting may be deceptive and violate federal reporting standards.

Collection Status Conflict ( 15 U.S.C. 1681s-2 ( a ) ) If the original creditor has charged off this debt and received tax benefits, insurance claims, or financial relief, they can not legally claim the debt remains outstanding under their ownership. Reporting the debt as " Profit & Loss Write-Off '' while still associating it with me without proof of its enforceability raises concerns of potential double collection or inaccurate reporting. 

I am formally requesting that this account be deleted from my credit report if it can not be verified with legally binding documentation. If this information can not be verified, please remove it immediately as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Please complete this investigation within the 30-day timeframe as mandated by the FCRA. If the information is not verified, I expect prompt deletion from my credit file.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
Subject : ReDispute of Inaccurate Reporting Request for Deletion To Whom It May Concern, I am writing to formally redispute the reporting of the XXXX XXXX, and Perpay accounts on my credit report. The accounts are listed as " Profit & Loss Write-Off '', which indicates that the original creditor has already received financial compensation for the debt, either through insurance, tax write-off benefits, or sale to a third-party debt buyer. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit bureaus are required to report only accurate, complete, and verifiable information. I am disputing this account for the following reasons : Lack of Accuracy ( 15 U.S.C. 1681e ( b ) ) The status of " Profit & Loss Write-Off '' suggests that the original creditor has been compensated, yet the account remains on my report, creating a misleading and inaccurate representation of my financial obligations. This is inconsistent with accurate and complete reporting requirements under FCRA.

Verification Requirement ( 15 U.S.C. 1681i ( a ) ) I am requesting that you provide documentation proving that this account is still valid, enforceable, and being correctly reported. If the creditor has received financial relief or has sold/transferred this debt, the continued reporting may be deceptive and violate federal reporting standards.

Collection Status Conflict ( 15 U.S.C. 1681s-2 ( a ) ) If the original creditor has charged off this debt and received tax benefits, insurance claims, or financial relief, they can not legally claim the debt remains outstanding under their ownership. Reporting the debt as " Profit & Loss Write-Off '' while still associating it with me without proof of its enforceability raises concerns of potential double collection or inaccurate reporting. 

I am formally requesting that this account be deleted from my credit report if it can not be verified with legally binding documentation. If this information can not be verified, please remove it immediately as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Please complete this investigation within the 30-day timeframe as mandated by the FCRA. If the information is not verified, I expect prompt deletion from my credit file.

Thank you for your prompt attention to this matter.

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 2025-03-08 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: LA

Complaint narrative:
This is my second time writing you to update my personal information.

You are violating my rights and this is direct violation of the fair credit reporting act 1681 A accuracy and fairness credit reporting the following addresses are not accurate or fair to me because they are NOT ACCURATE!!!!!!

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all inaccurate nonmailable and unrecognizable addresses from my consumer credit report.

Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these addresses and update the address with the one above. I have never lived at these addresses Pursuant to 15 usc 1681 ( a ) Accuracy and Fairness of Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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