vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX - XX/XX/XXXX - {$6300.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$23000.00} XXXX  - XX/XX/XXXX - {$2100.00} XXXX XXXX - XX/XX/XXXX - {$6800.00} XXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX  - XX/XX/XXXX - {$600.00} XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern : This is a formal legal demand for the immediate deletion of the following fraudulent, unverified, and unlawfully reported collection accounts from all credit reporting agencies XXXX XXXX XXXX XXXX ) due to egregious violations of federal law, including but not limited to : 15 U.S.C. 1692g ( b ) ( FDCPA Failure to Validate Debt ) 15 U.S.C. 1681s-2 ( b ) ( FCRA Failure to Conduct Reasonable Investigation ) 18 U.S.C. 1001 ( False Statements to Federal Agencies ) 18 U.S.C. 1341 & 1343 ( Mail & Wire Fraud ) FRAUDULENT & UNVERIFIED COLLECTION ACCOUNTS DEMANDING DELETION : XXXX XXXX  ( # XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( # XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX ) LEGAL VIOLATIONS & DEMANDS : Failure to Validate Debt ( FDCPA 1692g ( b ) ) You failed to provide the following legally required validation : Original signed contract bearing my wet-ink signature Full itemized accounting of alleged debt Chain of custody proving lawful assignment Your continued reporting without validation is willful noncompliance and constitutes deceptive collection practices.

Failure to Investigate ( FCRA 1681s-2 ( b ) ) Despite my prior disputes, you failed to conduct a reasonable investigation and continue reporting inaccurate, unverified information in violation of federal law.

Criminal Fraud ( 18 U.S.C. 1001, 1341, 1343 ) By reporting false, unsubstantiated debts to credit bureaus, you have engaged in : Mail fraud ( 18 U.S.C. 1341 ) Wire fraud ( 18 U.S.C. 1343 ) False statements to federal agencies ( 18 U.S.C. 1001 ) IMMEDIATE DEMANDS : Complete deletion of all listed fraudulent accounts from all credit bureausNOT mere suppression or " disputed '' remarks. 

Cease all reporting and collection efforts immediately. 

Provide written confirmation of deletion within XXXX business days of receipt of this complaint. 

LEGAL & REGULATORY WARNING : Failure to comply immediately will result in : Civil litigation under FCRA ( 1681n ) and FDCPA ( 1692k ) for willful violations ( statutory damages up to {$1000.00} per violation + punitive damages ).

FTC, CFPB, and State AG complaints for deceptive trade practices.

Criminal referrals for fraudulent credit reporting ( 18 U.S.C. 1001, 1341, 1343 ).

Bar complaints ( if applicable ) against any attorneys involved in unlawful collection efforts. 


ULTIMATUM : You have 5 business days from receipt of this complaint to confirm deletion in writing. No extensions, no negotiations. If I do not receive confirmation, I will escalate to federal litigation and regulatory enforcement without further notice. 

Sincerely,

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 2025-05-12 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-05-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ) According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of this information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnished of that information that this information has been modified or deleted from the file of the consumer rights And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe this information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer, to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc.
State: NC

Complaint narrative:
SUMMIT A R Opened XX/XX/2023 collection amount {$3200.00} Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent me proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account SUMMIT A R as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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 did not open these accounts, and they seem to be fraudulent. I implore you to thoroughly examine them and take them off of my credit report. Attached are pertinent supporting materials.

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 2025-05-12 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: SC

Complaint narrative:
On XX/XX/year>, I submitted a complaint to the CFPB regarding the integrity and accuracy of my federal student loan data managed by MOHELA. My concern centers around potential unauthorized access and data manipulation that could impact the accuracy of my loan records, balances, and payment history. I specifically requested a comprehensive audit to verify the integrity of my loan data due to concerns that unauthorized parties may have gained access to borrower data for personal financial gain. 

MOHELAs response on XX/XX/year>, failed to address these concerns. Instead, they provided a generalized explanation about their compliance with federal regulations and data privacy laws. They did not confirm whether an independent audit of my loan records was conducted, nor did they provide any evidence that my data has not been altered, manipulated, or otherwise compromised. 

I am requesting that MOHELA provide specific information regarding the integrity of my loan records, including whether an audit has been conducted to verify the accuracy of my loan balances, payment history, and other borrower data. Additionally, I am seeking confirmation that measures have been implemented to prevent unauthorized access or manipulation of borrower data moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I sent {$20000.00} wire transfer crypto.com and my XXXX wallet, and then deposited to XXXX as directed by an online " crypto coach ''. This person had connected with me on social media and then offered to help me learn how to short term trade crypto currencies. She messaged me on XXXX and said she was a fan and follower of my wife and I, our XXXX channel and our cookbook. We started talking pretty regularly, nothing romantic, she had connected with my wife too. Said she was a fan and follower and wanted to be friends. She told me her entire story of her ex husband, her old life in XXXX, business she started, and her father who died during covid. She mentioned she now makes really good money trading crypto. I told her I had dabbled, but nothing major, she insisted she could teach me, I was VERY skeptical, even to the point of getting on a couple of zoom calls to confirm she was who she said. Everything seemed very legitimate, so I deposited {$1000.00} of my crypto ballance to her " short term options '' trading platform within the crypto.com and XXXX  wallet app. Once again everything was very high security and seemed secure. She started helping me trade and we did this for weeks, she even successfully showed me how to make a withdrawal back to my unchain and coinable Wallets where I could then withdraw the funds into my bank account. All seemed legitimate, so I transferred another {$7000.00}, and eventually made a {$20000.00} wire transfer deposit as our earnings continued to work. After this she insisted I deposit {$100000.00} which I did not do, and she got angry, then I got suspicious. Now all of our communication has stopped and my money seems to be locked up in this, what im now assuming is a fake platform ( XXXX  ). Customer service insists that I must deposit 10 % for verification before I can make a withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am disputing a XXXX XXXX XXXX account ( account # XXXX ) that is being reported as charged off with {$3000.00} written off, yet still showing an active balance of {$1500.00} and {$560.00} past due. Additionally, the account has been closed since XXXX, but continues to reflect new charge-offs through early XXXX, which is misleading and inaccurate. This violates the Fair Credit Reporting Acts requirements for accurate and updated reporting. I request immediate deletion of this account or full documentation validating this 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 non-monetary relief
Consumer complaint received 2025-05-12 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: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed con-summer contract-any and all accounts you posted on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verification Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the unable to provide me a copy of verifiable proof, you must remove the accounts listed below. remove all negative reporting on this XXXX  XXXX account. XXXX, its over 7 yrs on record.

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 2025-05-12 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: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : 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