vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> MOHELA XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing to request validation of the debt referenced above, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I request that you provide me with the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A detailed statement or judgment that verifies this debt belongs to me ; 4. Proof that you are authorized to collect this debt ; 5. A copy of the original signed agreement, if applicable. 

Until you provide the requested validation, I request that all collection activities cease, including reporting this debt to credit bureaus. 

Be advised that I am keeping detailed records of all correspondence regarding this matter. If you can not validate this debt, you must cease collection and remove any related information from my credit report.Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: ONLINE Information Services, Inc.
State: IN

Complaint narrative:
I recently discovered that two utility accountsone with XXXX XXXX and another with XXXX XXXX opened in my name without my knowledge or consent. These accounts were established either when I was a child, or recently without my consent or approval. I only found out about them recently when I checked my credit report. The accounts have unpaid balances, which have negatively affected my credit score. I contacted XXXX XXXX and XXXX XXXX to dispute these accounts, but they told me to file a complaint with the CFPB to resolve the issue. Im asking for help to have these unauthorized accounts removed from my credit report, and to fix the damage caused by the unpaid balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems XXXX XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not please delete account XXXX XXXX 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 2025-04-24 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: IL

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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:
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven 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 explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On sunday XX/XX/year> I received a phone call that appeared to come from Bank of America oficial customer service number XXXX. The caller claimed to be a BofA representative alerting me about suspicious charges at an XXXXXXXX XXXX  in Texas. Later asked me to verify a XXXX  transaction to a person I didn't recognize. I denied all charges. He told me BofA will send me a code to stop all fraudulent activity. Trusting this was Bank of America in provided the verification code. I then received a fraud alert text message from Bank of America to approve login in XXXX XXXX which i denied. Believing the issue was resolved i hung up. The following day i visited the branch and discovered the {$3500.00} was removed from my business account thru XXXX. I never knowling authorized this transaction I filed a claim with bank of america which was denied. Why i am disputing this : I was a victim of spoofing scam and impersonation scam. The scammed tricked me into giving up codes by pretending to be a bank of america employee. The XXXX transaction was unauthorized and based on false pretenses. Bank of america failed to properly protect me or investigate under regulation E protections and FFIEC guidance. 
I request that Bank of america be required to refund the {$3500.00} stolen from my account due to this fraudulent XXXXXXXX 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 2025-04-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
I get messages from XXXXXXXX XXXX XXXX ( for which the current creditor is XXXX XXXX XXXX ) account is Halsted Financial, a debt collector. I get this repeatedly to my other phone number The concern is that i do not recognize it and they are looking for someone with a diffetent name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: VA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-24 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-24 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-24 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: SC

Complaint narrative:
I have 15 inquiries on my credit report that I did not authorize these are unauthorized credit reports I mean unauthorized inquiries on my credit report that I did not authorize according to the fcra Federal Credit Reporting Act legally these unverified and unauthorized items must be removed and so I have written a letter to the credit bureau and I'm attaching a copy of this complaint with the reference number for them to please remove it I have a fraud alert set up on all three of my credit bureaus and no one is contacting me when my credit is being ran so I would like for this to be corrected be removed from my credit

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 2025-04-24 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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint regarding TransUnions failure to properly investigate fraudulent items on my credit report. Despite multiple attempts to resolve this matter, the fraudulent items remain on my report, causing significant financial and personal hardship. On XX/XX/year>, I received an email from TransUnion acknowledging receipt of my dispute and stating that it had been seven days since they received it. The email further indicated that the investigation could take up to 30 days. However, as of today, I have not received any resolution, and the disputed items are still present on my credit report. TransUnion continues to email me stating they are waiting for a response from the creditor ( s ), yet no substantive action has been taken to address my concerns. The fraudulent items on my credit report are severely impacting my ability to secure housing. I am in the process of moving to accommodate my growing family as I am expecting a baby girl. However, my applications for housing have been denied due to the negative impact of these erroneous entries on my credit report. This situation has caused me significant emotional distress and financial hardship during what should be a joyful time for my family. I have provided all necessary information and documentation to TransUnion to demonstrate that the disputed items are fraudulent. Despite this, their failure to complete the investigation in a timely and thorough manner violates the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. I am requesting immediate intervention by the CFPB to ensure that TransUnion fulfills its obligations under the FCRA to properly investigate and remove the fraudulent items from my credit report. If this matter is not resolved promptly, I will have no choice but to pursue legal action to seek damages for the financial and emotional hardships caused to me and my family. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is a follow-up to prior CFPB complaints ( # XXXX, # XXXX, and # XXXX ) against Truist Bank for repeated violations of Maryland law related to excessive late fees on my auto loan. Despite state limits capping late fees at 5 %, Truist repeatedly charged 10 %. 

Truist Bank has assessed 10 % ( {$120.00} ) in late fees per month on my auto loan account, which is clearly illegal under Md. Code Ann., Com. Law 12-621 ( CLEC ) XXXX where the legal maximum is 5 % of the defaulted installment ( {$63.00} in my case ). Truist refuses to acknowledge this violation. 



Their justification based on the signed loan agreement is irrelevantconsumer protection laws override any contract that violates public policy or statutory limits. Truists contract terms are unenforceable to the extent they violate Maryland law. 



Furthermore, they have reported late payments to credit bureaus tied to these unlawful charges. This has damaged my credit and caused severe emotional distress. Such reporting is deceptive under the Fair Credit Reporting Act ( FCRA ) and the Maryland Consumer Protection Act ( 13-301 ).

I request the CFPB initiate a broader investigation into Truists practices in Maryland and elsewhere under the CLEC program. If this is a systemic violation, it may warrant enforcement action for UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ).

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 2025-04-24 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: VA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I noticed a report of delinquency on my credit report ( with Equifax and Transunion ), listed as Jefferson Capital Systems , LLC with an opened date of XX/XX/XXXX in the amount of {$350.00}. As I had never done business with Jefferson Capital Systems , LLC nor had I opened an account with them XX/XX/XXXX, I composed and mailed a letter ( XX/XX/XXXX ) to them that I do not acknowledge this debt and request that they provide the following information : XXXX. Validation of Debt : - The name and address of the original creditor. 
- The amount of the debt, including any interest, fees, or other charges. 
- A detailed explanation of how the debt amount was calculated. 
- Copies of any documents that show I agreed to pay the debt. 
- Proof that they are authorized to collect this debt on behalf of the original creditor. 
- A complete payment history, starting from the original creditor to the present, including all payments made by me. 

XXXX. Verification of Debt Accuracy : - Copies of any correspondence or records related to the original debt. 
- Documentation showing that the debt is within the statute of limitations for collection. 
- Proof that the debt has not been paid or settled, including any settlements or payments made by insurance or other parties. 

Their response, was merely what appears to be a copy of a past due bill from XXXX XXXX dated XX/XX/XXXX. I am unable to validate this date, as they failed to address the information outlined in my formal letter to them. The information listed on my credit profile is fraudulent as XXXX ) I have never done business with this company, and XXXX ) the opened date listed with this delinquent account doesnt correlate with any valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: DE

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. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 seven 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 explanation
Consumer complaint received 2025-04-24 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: MD

Complaint narrative:
Since XXXX XXXX XXXX XXXX is fraudulently reporting a collections account XXXX in the amount of {$1100.00} on my credit file. I have never had XXXX XXXX XXXX phone services, nor signed any contract or agreement with XXXX XXXX XXXX and XXXX XXXX XXXX. This account is fraudulent, a result of identity thief and reporting illegally on my account.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/year> MIDLAND CREDIT MANAGEMENT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing to request validation of the debt referenced above, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I request that you provide me with the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A detailed statement or judgment that verifies this debt belongs to me ; 4. Proof that you are authorized to collect this debt ; 5. A copy of the original signed agreement, if applicable. 

Until you provide the requested validation, I request that all collection activities cease, including reporting this debt to credit bureaus. 

Be advised that I am keeping detailed records of all correspondence regarding this matter. If you can not validate this debt, you must cease collection and remove any related information from my credit report.Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief