vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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 have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
Gurstel law firm failed to send notice to sue me in court on XXXX  occasions. They also initiated the process of collections without giving me correct account information including account number and/or balance. 

They failed to serve me prior notification of intent to sue on XXXX  occasions, XXXX  for the initial filing and now for the resubmittal of the default. Therefore dismissing my ability to show up to court to defend myself. Only mail correspondence were sent, the first dated over a month after they filed and the most recent postmarked two days prior to the supposed court day and arriving after the court day by mail. They are in violation of the FCRA. In fact in their most recent letter they asked the court to resubmit the default judgement since the court had rejected the initial one due to missing information in the first filing. 

I have tried contacting them initially by phone and then by filing a complaint with the XXXX  to which their response was generic and not effective. Due to the aggressive and illegal tactics used by this law firm, my credit has been negatively impacted even if otherwise my credit is spotless. This company should not be allowed to practice with disregard for the law, after all they are a law firm! I request the supposed debt be removed from my credit immediately due to their violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis Is reporting information from a auto accident that I didnt file a claim on my own insurance policy the accident happened during my course of employment for my employer so it should be placed on his clue report my clue report which should be free of any accident on it because in one of the accidents I was a injured party that my injury was caused by the fault of another driver and a double parked large van I didnt at the the time of the accident give my personal auto insurance information but the information of my employer policy so it should definitely be place upon his report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
I was surprised to find inaccurate accounts listed on my credit report today, and I dont understand why they appeared. When I checked my report as usual, I noticed errors that hadnt been there before. I even tried refreshing my browser to see if it was a minor technical issue, but the accounts were still there. Because of this, I am requesting a careful examination of the documents I have submitted to ensure I dont have to face this problem again.

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 2025-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Hello, I am reaching out due to Mohela not processing my PAYE recertification after submitting it on time, months ago ; I also can not reach anyone to discuss processing forbearance. Please find relevant details and questions below : I have been on PAYE for my student loans since XXXX. When I received notice it was time to recertify, I did so on studentaid.gov. I received email confirmation my " electronic IDR request '' was received on XX/XX/XXXX. 

My servicer is Mohela and they still have not processed it yet. They have not communicated with me at all or sent any messages. I submitted my annual form on time and submitted everything requested of me. My monthly payment has been XXXX per month on this plan while I work towards PSLF.

Because they have not processed the form I submitted, it shows my new monthly payment amount is {$2000.00}, next due on XX/XX/XXXX. How is this legal? I called them and after an exceptionally long hold, the agent said this is due to " unprecedented times '' and she could transfer me to someone else to discuss the option of a processing forbearance. I have now been on hold for multiple hours during this transfer and have not reached anyone to resolve this. I would like to know : XXXX. Why am I being punished for THEIR backlog and inability to process my form, and furthermore why am I being forced to pay a higher amount than on my PAYE plan because THEY haven't been able to process it ( even though I submitted everything when asked )? I also can't reach anyone to resolve it and lower the payment. I am literally being forced to pay more than I am supposed to by no fault of my own. They are neglecting my annual recertification application and thus collecting more money from me than I should be obligated to pay by the terms of my plan and related recertification. I can not imagine any other financial institution doing this legally. 

2. How can they increase my monthly payments without any prior communication or discussion of options?

3. How can I speak to someone to fix this? If I can not reach anyone to resolve this, will they credit back my overpayment amount since they have not processed my form or offered any sort of processing forbearance? 

4. I know a few recent PAYE applicants are being processed within days. Why has mine been months without any updates or processing?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
> Inaccurate info reported >1 year, then removed ( XX/XX/XXXX ). Pre-arbitration notice sent XX/XX/XXXX ; no response within 30 days.

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 2025-02-26 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Regional Management Corporation
State: GA

Complaint narrative:
I didn't authorize this hard inquiries and didn't receive the service expected. This took place on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.

Complaint narrative:
Back in XXXX of XXXX Midland credit management contracted my sister in law and provided her with all my husbands so called debt. They called her repeatedly and left a message stating that her number was associated with this debt. She returned phone call and just by saying she was XXXX wife they proceeded to give her information on a debt that had not been validated by XXXX or XXXX I called them at that time and told them thank you very much for ruining any dignity we had left. My husband has XXXX XXXX had a XXXX the previous year. XXXX now receives XXXX so I am trying to verify and pay any previous debts as we had no income from him for almost 2 years. So I contacted MCM on XX/XX/XXXX. I explained I wanted to validate this debt first and was only told at the end of the conversation I could log in and see it. However when I did I couldnt get the information to open. Between the beginning and end of conversation I explained what I could afford and they said no but if I set up payments it would put me in pay status. I then said what happens when I cant afford that. I was told they would work with me in those areas. I said I wanted it in writing. XXXX gets on phone as says nope we wont send you that. But this is a XXXX time deal for XXXX which is ridiculous as they pay pennies on the dollar. I was informed during conversation if it goes to legal they could garnish wages, lean on my house and my bank account. I continued to inform them XXXX only receives XXXX and a pension through work which both they cant put a judgment against. They have called numerous people, gave out private information, threatened me with what they can do as they put it and not disclosed what I asked for. XXXX trying to work with these people and they are beyond helpful. They also said all conversations are recorded and have talked to me numerous times. I said absolutely not so who else are they calling and giving my husbands information to?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 2025-02-26 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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:
Nation wide data breach. Every body personal info was exposed threw Data Breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-26 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: PA

Complaint narrative:
Equifax is reporting that I live or reside at multiple addresses. The only address that should be reporting is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I did not grant them permission to utilize my name or address. This is identity theft, defamation of character which is a violation of FREA laws subjething this company to punitive damages. I demand this account be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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 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 non-monetary relief
Consumer complaint received 2025-02-26 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:
CFPB Complaint Submission Subject : Request for Credit Report XXXX XXXX XXXX XXXX XXXX and Identity Theft Complaint Details : I am submitting this complaint against [ XXXX XXXX XXXX XXXX XXXX for failing to correct fraudulent and inaccurate information on my credit report. I am a victim of labor trafficking and identity theft, and despite providing extensive documentation, my requests for corrections and fraud alerts have been ignored. 

Issues : Identity Theft & Fraudulent Accounts Fraudulent accounts were opened in my name after my walletcontaining my Social Security card and drivers licensewas stolen from my vehicle. 
My identity was further compromised due to a data breach at XXXX & XXXX, exposing my personal information to fraudsters. 
I have provided FTC Identity Theft Reports, a police report, and an FCRA Section 605C Self-Attestation, yet the credit bureaus have failed to block these fraudulent accounts as required by 15 U.S.C. 1681c-2. 
XXXX XXXX & Unauthorized Accounts From XX/XX/XXXX to XX/XX/XXXX, I was a victim of labor trafficking and forced to work without pay. During this period, multiple accounts were fraudulently opened in my name without my knowledge or consent. 
Failure to Properly Investigate Disputes The credit bureaus have refused to provide the method of verification used to validate disputed accounts, violating 15 U.S.C. 1681i ( a ) ( 6 ).

Despite multiple requests, they have not updated or removed inaccurate personal information, including outdated addresses and employer records, violating 15 U.S.C. 1681b ( g ) and 1681s-2.

Failure to Protect Personal Information Even after requesting fraud alerts and security freezes, my information remains compromised.

The bureaus failure to safeguard my data is a violation of 15 U.S.C. 1681b ( g ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am filing this complaint against Transworld Systems Inc. ( TSI ) for their failure to properly validate a debt, continued attempts to collect on an invalid debt, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 


Debt Validation Failure : I formally disputed the alleged debt in writing and requested validation under the FDCPA. TSI failed to provide proper documentation proving the legitimacy of this debt and instead sent me a statement that explicitly shows a {$0.00} balance. Despite this, they continue to attempt collection. 
Attempting to Collect on a Debt That Is Not Owed : The documentation TSI provided clearly states that my balance is {$0.00}, proving that I owe nothing. Yet, they persist in collection efforts, which may constitute misrepresentation and unfair collection practices under federal law.

Reporting an Inaccurate Debt to Credit Bureaus : TSI has reported this alleged debt to credit agencies, negatively impacting my credit. Given that their own records show a {$0.00} balance, this reporting is not only false but could be considered willful misreporting in violation of the FCRA.

Failure to Cease Collection Despite Multiple Dispute Letters : I have sent multiple dispute letters requesting full validation, yet TSI has failed to provide legitimate proof of their legal right to collect. Instead, they continue their collection attempts without addressing my concerns.

Requested Resolution : Immediate cessation of all collection activity related to this invalid debt.

Immediate removal of this debt from all credit reports. 
Written confirmation that this matter is fully resolved and will not be pursued further. 
Investigation into Transworld Systems Inc. 's collection and reporting practices to determine whether they have violated federal consumer protection laws.

Supporting Documents : I have attached the following : The response letter from Transworld Systems Inc. admitting the account was charged off and showing a {$0.00} balance The statement of account proving that no balance is owed Copies of my dispute letters that have been ignored Conclusion : Transworld Systems Inc. is falsely attempting to collect on a debt that does not exist and is damaging my credit in the process. I request the CFPB to take immediate action to hold this company accountable for its deceptive and illegal debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation