vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am writing this complaint because the following account : XXXX, is on my credit report from Jefferson Capital Systems LLC . This letter serves as a complaint regarding their violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I also request immediate investigation and removal of this erroneous account, as it is damaging my credit and causing undue hardship. According to the FCRA ( 15 U.S.C. 1681 ), Jefferson Capital Systems LLC is obligated to ensure that any information they furnish to credit reporting agencies is accurate and verifiable. In this case, they have failed to meet these requirements. Failure to Provide Adequate Debt Validation ( 15 U.S.C. 1692g ( b ) ) I have the right to request proper validation of the alleged debt, which includes : Proof of the original creditors name and the chain of ownership of the debt. Documentation of the original signed agreement proving I owe this debt. Evidence that Jefferson Capital Systems LLC has the authority to collect in XXXX  while attempting to enforce this debt in XXXX XXXX. Simply providing a billing statement does not meet the standards of validation under federal law. This has been upheld in XXXX v. XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ), where the court held that billing statements alone are insufficient validation of a debt. Jefferson Capital Systems LLC is required to ensure the maximum accuracy of the information they report. Failure to validate the debt renders the account unverifiable, making their reporting a violation of the FCRA. As per XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), unverifiable debts can not be reported. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must have proper authorization to collect debts. Jefferson Capital Systems LLC has failed to provide proof that they are authorized to collect this debt in XXXX XXXX while I reside in XXXXXXXX. Their actions constitute misleading and deceptive practices in violation of 1692e of the FDCPA. Moreover, collection actions across state lines without proper licensing may violate XXXX XXXX and XXXX consumer protection statutes, which require out-of-state collectors to meet specific legal requirements before pursuing debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: IL

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

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-03-05 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
To Whom It May Concern, I am formally disputing the validity of the alleged debt associated with account number XXXX, which you claim I owe. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, I am requesting full validation of this debt, including : Unbroken Chain of Assignment Provide a complete and unbroken record from the original creditor to your agency, showing each transfer of ownership. 
Purchase and Sale Agreement I request a copy of the actual contract in which this alleged debt was transferred to you, proving that you have legal standing to collect. 
Itemized Account Breakdown Show the original contract with my signature, a detailed history of all charges, interest, and payments applied to the account.

Verification That You Are Authorized to Collect Provide proof that you have legal authority to collect in my state and that the alleged debt is valid.

Failure to provide this documentation means that your attempt to collect this debt is in violation of federal laws. Furthermore, reporting unverified information to credit bureaus violates 15 U.S.C. 1681s-2 ( b ) of the FCRA, which prohibits furnishing inaccurate or incomplete information to consumer reporting agencies. 

Additionally, courts have ruled in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) that a creditor or debt collector must provide proper validation upon request. In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ), the court held that credit reporting agencies and debt collectors must conduct a reasonable investigation when a consumer disputes a debt. 

Your failure to provide the requested documentation within 30 days will be considered a violation of my rights under federal law. If you do not cease collection efforts on this unverified debt, I will pursue legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

This dispute shall also serve as notice that you are to CEASE ALL REPORTING of this debt to any credit bureau unless full validation is provided. If this account remains on my credit report without proper validation, I will take legal action for damages under 15 U.S.C. 1681n of the FCRA. 

Please respond in writing 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 2025-03-05 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: Westlake Services, LLC
State: MD

Complaint narrative:
WESTLAKE FINANCIAL SERVICES XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Account - WESTLAKE FINANCIAL SERVICES Dear Sir or Madam, I am writing to dispute the following account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any inaccurate information on my credit report. 

Creditor Name : WESTLAKE FINANCIAL SERVICES Account Number : XXXX Reported Status : Charge-Off Reported Balance : {$8900.00} I do not recognize the accuracy of this information and demand a full verification. If you can not provide sufficient documentation validating this account, you are required to remove it from my credit report immediately. 

Attached are copies of my credit report highlighting the disputed account and a copy of my identification. I expect a response within 30 days per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX for inaccurate and misleading credit reporting related to my mortgage loan modification. 

I was approved for a trial period plan ( TPP ) and subsequent loan modification under the Flex Modification Program. I made all required trial period payments on time. However, XXXX XXXX incorrectly reported my payments as late during the trial period, even though I was following their approved plan. 

Attached is a letter from XXXX XXXX XXXX XXXX XXXX ) confirming that my account was placed in forbearance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due to financial hardship. XXXX explicitly intended to prevent adverse credit reporting during this period. They are also actively working to correct any errors. 

Why This is Wrong : The Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX states that servicers should not report a borrower as delinquent when they are in a trial modification and making payments as required. 
XXXX XXXX 's own letter states : " Once your loan is modified, you will be considered current on your mortgage. '' This confirms that the late payment reporting is misleading and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, credit furnishers are required to report information accurately and fairly. Reporting me as delinquent while I was in a lender-approved plan misrepresents my payment history and unfairly damages my credit score. 
I have disputed this multiple times with XXXX XXXX and the credit bureaus, but they refuse to correct the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX for inaccurate and misleading credit reporting related to my mortgage loan modification. 

I was approved for a trial period plan ( TPP ) and subsequent loan modification under the Flex Modification Program. I made all required trial period payments on time. However, XXXX XXXX incorrectly reported my payments as late during the trial period, even though I was following their approved plan. 

Attached is a letter from XXXX XXXX XXXX XXXX  XXXX ) confirming that my account was placed in forbearance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to financial hardship. XXXX explicitly intended to prevent adverse credit reporting during this period. They are also actively working to correct any errors. 

Why This is Wrong : The Consumer Financial Protection Bureau ( CFPB ) Bulletin 2013-09 states that servicers should not report a borrower as delinquent when they are in a trial modification and making payments as required. 
XXXX XXXX 's own letter states : " Once your loan is modified, you will be considered current on your mortgage. '' This confirms that the late payment reporting is misleading and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, credit furnishers are required to report information accurately and fairly. Reporting me as delinquent while I was in a lender-approved plan misrepresents my payment history and unfairly damages my credit score. 
I have disputed this multiple times with XXXX XXXX and the credit bureaus, but they refuse to correct the 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 explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX for inaccurate and misleading credit reporting related to my mortgage loan modification. 

I was approved for a trial period plan ( TPP ) and subsequent loan modification under the Flex Modification Program. I made all required trial period payments on time. However, XXXX XXXX incorrectly reported my payments as late during the trial period, even though I was following their approved plan. 

Attached is a letter from XXXX XXXX Mortgage XXXX XXXX ) confirming that my account was placed in forbearance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to financial hardship. XXXX explicitly intended to prevent adverse credit reporting during this period. They are also actively working to correct any errors. 

Why This is Wrong : The Consumer Financial Protection Bureau ( CFPB ) Bulletin 2013-09 states that servicers should not report a borrower as delinquent when they are in a trial modification and making payments as required. 
XXXX XXXX 's own letter states : " Once your loan is modified, you will be considered current on your mortgage. '' This confirms that the late payment reporting is misleading and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, credit furnishers are required to report information accurately and fairly. Reporting me as delinquent while I was in a lender-approved plan misrepresents my payment history and unfairly damages my credit score. 
I have disputed this multiple times with XXXX XXXX and the credit bureaus, but they refuse to correct the 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 explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IL

Complaint narrative:
As of XXXX of XXXX, I was on the Save plan making payments. This plan was placed on hold by the courts. The student aid website offered loan consolidation but did not indicate that would mean needing to submit a new IDR application. In the consolidation process I resubmitted the IDR application. MOHELA refused to acknowledge the applications due to the court case, and instead of giving me a 0 % forbearance, they placed me in an interest-bearing forbearance. I filed bankruptcy due to mounting medical bills in XXXX of XXXX and this put my loans on hold on top of the forbearance. In XXXX of XXXX the forbearance and bankruptcy had passed, and I made the loan payment of {$340.00}. On XX/XX/XXXX MOHELA sent me a letter stating : ACCT NUMBER : XXXX XXXX XXXX XXXX : Your Student Loans Are in a Forbearance A federal court issued an injunction preventing the Department of Education ( ED ) from operating the SAVING on a Valuable Education ( SAVE ) Plan and some other income-driven repayment ( IDR ) plans. As a result of this ruling, ED has directed MOHELA to put your account into a forbearance because either : 1. You are currently a borrower on SAVE 2. 60 Days have passed since we received your IDR application, and it has not yet been processed.

you can find more information at StudentAid.gov/saveaction.

What does this mean for me : While you are in the forbear4ance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. 

You will NOT receive credit toward IDR forgiveness and Public Service Loan Forgiveness ( PSLF ) for the month ( s ) you are in the forbearance, the amounts paid will go toward satisfying your future payments ( s ) We will notify you before the forbearance comes to an end. We do not currently have a time estimate. We will then send you your next monthly billing statement at least 21 days be3fore your next monthly payment is due. 

When I spoke with the customer service rep she stated I still owed my payment despite this letter and that I would need to elect forbearance. 

The company is not only going against EDs directive on my account, in which my account meets the second criteria on the form but is trying to either force payment or an interest-bearing forbearance, which directly contradicts the letter. The letter can also be found in my " inbox '' on the MOHELA website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation