vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: OH

Complaint narrative:
I called the following companies on my report XXXX XXXX and XXXX XXXX regarding inquires on my report. I told them I never applied for credit and this was fraud. They told me to call the credit bureau to get them removed. I called Transunion and told them about my identity fraud situation and sent them over a police report and FTC reports, its been over a month now. They told me it would be removed within 24-48 hours but they are still on my 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 explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Applied for one time payment count adjustment in XX/XX/year> and eligible PSLF repayment plan via consolidation option. 

As of XX/XX/year>, payment counts have not been adjusted and repayment plan is ineligible even thought consolidation was processed from that application. Made payments for XXXX until I was placed on administrative forebearance, under precedence that the consolidation loan was in SAVE repayment option. 

Now servicer is advising that my loan is in an ineligible payment plan. My payments have not been adjusted with the one time adjustment. The servicer has put me in administrative forebearance that is ineligible for PSLF. I am unable to change to an eligible plan using the provided online options. The servicer will not process my last PSLF application for eligible payments because the loan is currently in their administrative forebearance status even thought the application is for eligible payments before entering forebearance, including some payments from the last forebearance that have still not been updated as qualifying even though they were eligible and the paperwork was already sent in and processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
On XX/XX/year>, I entered into a payment agreement with XXXX XXXX XXXX ( XXXX XXXX XXXX ) over a debt of {$10000.00}, originally owed to XXXX XXXX XXXX. However, on XX/XX/year>, approximately 79 days later, I was unexpectedly served a summons by Gurstel Law Firm, claiming that I owe them {$16000.00} for a {$10000.00} debt originally owed to XXXX XXXX XXXX. 
In pursuit of clarity, I contacted XXXX XXXX, who reassured me that they are indeed the rightful owner of the debt and I am current with our payment agreement and I provided this information through a phone call, mailed letter, and email. 
Despite this, on XX/XX/year>, Gurstel Law Firm forwarded me a packet of statements without any visible evidence establishing them as the rightful owner of my debt to XXXX XXXX. 
To exacerbate the issue, I received another summons from Gurstel Law Firm on XX/XX/year>, demanding payment for a supposed debt of {$3600.00}, allegedly originating from XXXX  XXXX. Upon my request for verification, Gurstel once again sent a non-comprehensive packet of statements insufficient in proving that the said debt belongs to me. 
In light of these events, it appears that Gurstel Law Firm might be employing deceitful practices to secure payments on debts I have either already addressed or are unfamiliar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARVANT FINANCIAL LLC
State: FL

Complaint narrative:
based on these laws 15 usc 1692g / 15 usc 1692c ( c ) I am writing in regards to your attempts to collect debt from me. I believe that your actions have violated provisions of the Fair debt collection practices act ( FDCPA ), specifically 15 U.S.C 1692g and 15 U.S.C & 1692c ( C ) VIOLATIONS 1. failure to validate the debt ( 15 U.S.C & 1692g ) I previously requested validation of the debt in question. To date, you have failed to provide the legally required documentation to substantiate the accuracy and validity of the debt. you are required by law to provide verification of the debt, including : - copies of any signed agreements or contracts related to the debt.

- detailed itemization of the debt, including the original balance, interest, fees, and payments made.

- verification of the creditor and you authority to collect on their behalf.

please include IRS form 1099-c ( cancellation of debt ), if applicable, which serves as documentation for debt write offs during tax filings. Your inability to validate the debt while pursuing collection efforts is a direct violation of federal law.

2. Failure to cease communications after request ( 15 U.S.C & 1692c ( C ) ) I previouly requested in writing that you cease all communications regarding this matter. However, you have continued to contact me in violation of law.

DEMAND OF RELIEF Under the FDCPA, I am entitled to statutory damages of up to {$1000.00} for violations. Additionally, I am seeking compensation for the emotional distress and damages caused by you unlawful actions. 

REQUEST FOR IMMEDIATE ACTION XXXX cease all communication regarding the debt immediately. 
XXXX provide a full detailed explanation of how the debt was validated step by step XXXX remit payment of {$1000.00} for statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. XXXX. ) What is your authorization of law for your collection of information? XXXX. ) What is your authorization of law for you collection of this alleged debt? XXXX. ) Please send evidence your authorization to do business or operate in the state of Texas XXXX. ) Please provide a copy of the purchase agreement of the alleged debt. XXXX. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closedXXXX 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
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account with XXXX XXXX XXXXXXXX ( Account # : XXXX ) Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report related to my account with XXXX XXXX XXXX XXXX Account # : XXXX ). Despite my previous disputes dated XX/XX/XXXXXXXX XXXXXX/XX/XXXX, and XX/XX/XXXX, TransUnion has failed to correct the inaccurate information, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are obligated to investigate disputed information and ensure the accuracy of consumer credit reports. The failure to address these inaccuracies in my file violates this provision.

TILA Violations According to the Truth in Lending Act ( TILA ), creditors are required to provide accurate disclosures. The late payment reporting for XX/XX/XXXX and XX/XX/XXXX contradicts the provided payment history, where I made timely payments as evidenced by my bank statements. 
PAANL Violations The Protection Against Non-Payment of Obligations Act ( PAANL ) reinforces the necessity for accurate and timely statement disclosures, which has not been adhered to in this case. 
Discrepancies The following discrepancies have been identified : Date of Last Verified : Reported as XX/XX/XXXX, which is inconsistent with my account status. 
Date of Last Activity : Reported as XX/XX/XXXX, which does not align with my records indicating activity in XX/XX/XXXX. 
Late Payment Reporting : Incorrectly marked as 30 days late in XX/XX/XXXX and XX/XX/XXXX. 
Two-Year Payment History The reported payment history does not align with the actual records. The incorrect 30-day late notations for XX/XX/XXXX and XX/XX/XXXX must be corrected immediately. 
Desired Resolution I am formally requesting : Immediate removal of the late payment notations for XX/XX/XXXX and XX/XX/XXXX. 
Written confirmation of the corrections made to my credit report. 
If this matter is not resolved promptly, I will escalate my complaint to additional regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 
Enclosed, please find the supporting documentation, including bank statements and prior correspondence. I trust that you will address this matter with urgency. 
Sincerely, 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
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account with XXXX XXXX XXXXXXXX ( Account XXXX XXXX XXXX  ) Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report related to my account with XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX. Despite my previous disputes dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, TransUnion has failed to correct the inaccurate information, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are obligated to investigate disputed information and ensure the accuracy of consumer credit reports. The failure to address these inaccuracies in my file violates this provision.

TILA Violations According to the Truth in Lending Act ( TILA ), creditors are required to provide accurate disclosures. The late payment reporting for XX/XX/XXXX and XX/XX/XXXX contradicts the provided payment history, where I made timely payments as evidenced by my bank statements. 
PAANL Violations The Protection Against Non-Payment of Obligations Act ( PAANL ) reinforces the necessity for accurate and timely statement disclosures, which has not been adhered to in this case. 
Discrepancies The following discrepancies have been identified : Date of Last Verified : Reported as XX/XX/XXXX, which is inconsistent with my account status. 
Date of Last Activity : Reported as XX/XX/XXXX, which does not align with my records indicating activity in XX/XX/XXXX. 
Late Payment Reporting : Incorrectly marked as 30 days late in XX/XX/XXXX and XX/XX/XXXX. 
Two-Year Payment History The reported payment history does not align with the actual records. The incorrect 30-day late notations for XX/XX/XXXX and XX/XX/XXXX must be corrected immediately. 
Desired Resolution I am formally requesting : Immediate removal of the late payment notations for XX/XX/XXXX and XX/XX/XXXX. 
Written confirmation of the corrections made to my credit report. 
If this matter is not resolved promptly, I will escalate my complaint to additional regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 
Enclosed, please find the supporting documentation, including bank statements and prior correspondence. I trust that you will address this matter with urgency. 
Sincerely, 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
Consumer complaint received 2024-12-27 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: IL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file.

Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2500.00} INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: VA

Complaint narrative:
Received a text from Unifin, a debt collector. I have not given any authority of contacting me via my personal cell number. I know nothing about an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to only use phone numbers that you have provided or are considered verifiable as yours, meaning they can not call you on a number you haven't given them permission to use. This is a clear violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I completely paid off my car XX/XX/XXXX. The account was closed XX/XX/XXXX which is stupid. A click of a button takes 20 days. Ive called multiple times regarding my title and have only been dealt a trifling, rude employee after being transferred 5 times just to repeat the same d*mn thing I had just said to the previous person. The company has been a pain since I was involuntarily forced to deal with them. They want you to make payments on time but cant even do their job on their end and take you through all this to get a title. I hate this company and I hope it gets shut down. They get off on making people miserable. This is absurd and ridiculous. This is the last effort Im making. If still not resolved, I will be suing and I wont stop until this trash company shuts down

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: PA

Complaint narrative:
To Whom It May Concern I am XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C. S Section 1681-2 ( a ) and ( c ) and 15 U.S.C. Sub Section 1681-B, to demand the immediate removal of the hard inquires listed on my credit report. These accounts were added without my express written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. ADDITIONAL UNAUTHORIZED HARD INQUIRIES FOR REMOVAL : 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 explanation
Consumer complaint received 2024-12-27 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: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
My information was compromised due to a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: NV

Complaint narrative:
This is a third party company trying to collect on a debt for TEMPOE LLC. I received a settlement from a lawsuit XXXX this company and no further collections was agreed in the lawsuit Settlement plus a Refund. I supplied the company With the information that I received from CFP B. But they are saying that the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to file a formal complaint against Experian due to their failure to investigate and resolve inaccuracies on my credit report. In addition, I disputed incorrect personal information listed in my credit file. 
On XX/XX/year>, I mailed a dispute letter to Experian via XXXX XXXXXXXX XXXX  tracking number XXXX. According to the XXXX tracking information, Experian received my dispute letter on XX/XX/year>. Despite the clear evidence of delivery and the specific nature of my dispute, Experian has failed to provide any updates or resolution and more than 30 days have elapsed. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experian 's failure to do so is a direct violation of my consumer rights. 
I have attached a copy of my dispute letter to Experian and the XXXXXXXX XXXX XXXX receipt as evidence.

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