vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Olympic Collection Inc.
State: WA

Complaint narrative:
I received a debt collection notice from Olympic Collection INC regarding a balance owed to XXXX XXXX. The notice included legal fees & " interest '' in addition to the base amount. 

I was never sued, never served with court papers, and no court case was filed. When I asked for clarification, the agency claimed they were not suing me but still charged legal fees. Under the Fair Debt Collection Practices Act ( FDCPA ), I believe these charges are not justified. 

I paid the full amount, including the legal fees and interest, under pressure. After learning this was not an actual legal case, I requested a refund for the legal fees, which was denied/ignored. 

I am requesting an investigation and a refund of the improperly charged legal fees, as well as any documentation showing a legal basis for those charges. 

I can provide my contract with the dentist as well as the payed in full receipt I received from Olympic Collections Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I lawfully disputed the account being reported by XXXX XXXX and requested full validation, including : the original signed contract, complete account history, proof of ownership, and documented legal authority to collect. XXXX XXXX failed to provide the required validation under FDCPA 809 ( 15 USC 1692g ) and Regulation F ( 12 CFR 1006.34 ). 

Despite receiving multiple mailed notices, they have NOT responded and have NOT provided any of the required documentation. Yet they continue to report derogatory information to the credit reporting agencies. This is a violation of both the FDCPA and FCRA 1681s-2 ( b ), which requires reasonable investigation and correction if the furnisher can not verify. 

Furthermore, they have NOT established a permissible purpose under FCRA 604 ( 15 USC 1681b ) to even access or furnish information to the credit reporting agencies. There is NO verified contract, NO documented authorization, and NO substantiated relationship with the original creditor to support their actions. 

Their conduct violates not only the letter of the law, but also the spirit of consumer protection law, which exists to prevent unverified, unauthorized, or deceptive use of credit reporting systems. 

I have submitted related complaints to the XXXX XXXX XXXX and state Attorney General, and reserve the right to pursue legal action if this issue is not resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
Due to these persistent inaccuracies, I have repeatedly been denied housing for me and my family. Landlords and property managers rely on credit reports to evaluate applicants, and the false information has led to denials of rental applications, placing my family in a state of housing insecurity. 

I am submitting this complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., due to their failure to report accurate, complete, and verifiable information on my credit reports. 

Despite multiple attempts to dispute and correct these errors, the agencies have either failed to investigate properly or continued to report inaccurate, incomplete, or unverifiable information. These violations have caused significant harm to me and my family.

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 2025-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
I received my mortgage statement dated XX/XX/year>. The amount on the loan owed was {$50000.00}. I purchased my home for {$65000.00} which 78 % would be {$50000.00} I was below that threshhold and the PMI was still on the statement. On XX/XX/XXXX, I contacted Community Bank, NA and the person whom I got my mortgage through. She said she would speak with the mortgage department. I did not hear back so I called her back today, XX/XX/XXXX. She said the PMI would remain on the statement until XX/XX/year>, when it was scheduled to come off. I told her that i had added extra on some of the payments made and the 78 % of the loan was already reached. She said she explained that to them and it didn't matter. She said I could request the XXXX  to be taken off but I would have to have an appraisal using the banks appraisers and it would cost $ XXXX {$600.00}. That would cost more than what I would pay on XXXX  which would be approximately {$400.00}. 

I have done my due diligence by making payments early and more than what was required in order to pay the loan. I have never been late on a payment. My credit score has gone from the XXXX 's to over XXXX. My house is worth over 3 times what I paid for it. I have put over {$40000.00} in remodeling including a new roof, porch, deck replacement, XXXX bathrooms and kitchen and flooring. I have attached the current XXXX price estimate. 

I do not feel it is fair that I am being charged this extra XXXX  when, by law, it should have been removed already. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
What happened? 

On Friday, XX/XX/XXXX, I spoke with a Mr. Cooper representative in the presence of my XXXX, XXXX. I was told I could make a full regular payment in XXXX and then make partial payments afterward, and that my account would not be jeopardized for foreclosure. 

Today, I called back to confirm this arrangement. The representative ( XXXX XXXX stated there was no note in the system reflecting what I was told on XX/XX/XXXX and admitted my account could go into foreclosure at any moment due to its current status. I was told a XXXX would call me back within XXXX hours. 

This is a serious issue because I relied on the previous representatives statements in making my financial decisions. The conflicting information and lack of documentation are causing stress, confusion, and unnecessary risk to my home. 

This is not the first time Mr. Cooper has provided misleading or incomplete information : In XXXX, I was told by a representative that my XXXX XXXX mortgage payments would be placed on the back of the loan. I later learned this was untrue and was told I had to pay the entire amount up front or go through a modification process. 
I was never informed that the modification would result in a second mortgage. 
I was not given the option of a deferment even though I was asking for assistance due to financial hardship. 
My current XXXX XXXX XXXX XXXX XXXX XXXX  amount remains unexplained and appears to be unreasonably high for someone seeking hardship assistance. 

XXXX XXXX repeated failure to document agreements, provide accurate information, and offer all available assistance options has resulted in financial harm, emotional distress, and continued uncertainty about my ability to keep my home. 

I am requesting that the CFPB investigate Mr. Cooper for : Misrepresentation of payment and modification terms Failure to document customer communications accurately Withholding information about available hardship options Engaging in practices that put customers at unnecessary risk of foreclosure I have call recordings, documentation, and witnesses to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX which is owned by Synchrony Bank, only wants to report negative information to the credit bureaus. They are charging me an interest rate of 34 % almost, and they are quick to charge me interest but take more than a week to make credit available on my account. They also report my credit balance when it is over limit, or a high balance, but take weeks or more, to report to the credit bureaus, when I pay the card off. I feel like it's racism, discrimination and they are just wanting to milk me for the interest, and when they cant do that, they take forever to report accurate information to the credit bureaus, that is positive and helpful to me. I paid my card off XX/XX/year>, there is no credit made available to me as of right now on XX/XX/year> but yet it says the payment posted that I made. They have also not reported the information to the credit bureaus about the card being paid off either, but when my balance is overlimit or high, they report to the credit bureaus the next day. I am trying to be credit worthy, but this company is not allowing that, by refusing to not report information accurately to credit bureaus. I have no screenshots to show when they provided the credit bureaus positive information, in fact when I did pay off a larger limit, they decreased my limit and reported from {$1200.00} to {$250.00}. But also did not provide an explanation as to why they did that as well, just decreased the limit, with no explanation.

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 2025-08-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ADS Resolve LLC
State: VA

Complaint narrative:
I recieved a call informing me XXXX XXXX XXXXXXXX was over charging me interest and they could help me lower the monthly payments. I went through the process used a XXXX XXXX XXXXXXXX credit card with XXXX balance to start the process {$5000.00} and that cost would be included with the consolidation and I would get that back. I was told this process would talk up to 12 months maybe sooner to complete. I have a copy of all the paperwork from and all my emails as well. XX/XX/XXXX at XXXX XXXX ready an email stating it was a scam and the FTC has a case against the company ADS Resolve.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX PHONE XXXX | XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Re : Account Number : XXXX Original Account Number : * * * * * * * * * * * * XXXX Seller : CAPITAL ONE BANK ( XXXX ) XXXX XXXX. 

Original Creditor : CAPITAL ONE BANK ( XXXX ), XXXX. 

Current Creditor : XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : Thank you for your assistance in resolving this account. Your current balance on this account is {$0.00} *. Please retain this letter as proof your account has been satisfied. 



Your account will be considered paid-in-full after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our companys tradeline related to your account from your credit bureau report. XXXX XXXX XXXX XXXX XXXX can not control how fast the credit reporting agencies process requests. 



* Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account. 



If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are XXXX XXXX XXXXXXXX. XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX. 



Thank you for resolving this account. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Representative This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 


Click here to opt out of further emails to this email address. 



HOURS OF OPERATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) FOR THE HEARING IMPAIRED : XXXX : XXXX COMPANY ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Call XXXX or write to : XXXX XXXX XXXX XXXX XXXX, XXXX Department XXXX XXXX Corporate XXXX XXXX XXXX, VA XXXX XXXX E-MAIL ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not happy with the way you were treated? Our company strives to provide professional and courteous service to all our customers. Contact XXXX of our staff to discuss issues related to our quality of service to you by phone at XXXX or by e-mail at XXXX. 



XXXX XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, a {$5000.00} ACH transfer was initiated from my XXXX account to my Capital One account. Due to a simple clerical error, I reversed the last XXXX digits of my Capital One account number entering XXXX instead of my correct account number XXXX. 

Capital One accepted the funds despite the account number not matching my name or customer profile. I contacted Capital One immediately after discovering the issue. They initially stated I would need to have XXXX submit a XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX later confirmed that the XXXX was sent, but Capital One rejected it, stating : No funds remain from the transaction identified in the XXXX. 

This denial raises serious concerns. Capital One credited {$5000.00} to the wrong account, apparently without verifying that the recipient matched the sender 's information. Now that those funds have been withdrawn or spent by the unintended recipient, XXXX being told theres nothing more that can be done. Capital One has not offered any further resolution steps or support. 

Both banks are directing me to the other, leaving me, the consumer, responsible for resolving a mistake that the banking system should have safeguards against. 



Transfer Date : XX/XX/year> Amount : {$5000.00} Incorrect Account Number Entered : XXXX Correct Account Number : XXXX XXXX XXXX XXXX Sent by XXXX : Confirmed Capital One Denial Reason : No funds remain from the transaction identified in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EGL US, LLC
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
This complaint is being filed to request that TransUnion block and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, TransUnion is required to block such information within XXXX ( XXXX ) business days of receiving this notice. 

The information in question includes multiple unauthorized accounts and hard inquiries that were made without my knowledge or consent, and are the direct result of identity theft and fraud. The following accounts are fraudulent and must be deleted from my credit file : XXXX XXXX - XXXX XX/XX/XXXX with the balance of {$0.00}. 

The following inquire : XXXX XXXXXXXX XXXX - Inquired on XX/XX/XXXX All of the above accounts and inquiries are not mine. To support my claim, I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # XXXX ) filed with the U.S. Federal Trade Commission, which confirms that these items are the result of identity theft.

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 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Ive been contacting Bank of America and XXXX for years XXXX to be exact I was told the reason the account was closed because someone tried to make a fake check with my Information.and the bank told me there was nothing they can do exept time .and XXXX gave me no solution either besides getting a copy of what happened and to get an investigation by XXXX XXXX XXXXXXXX. I havent been able to bank with anyone and I dont know why, I did do a 30 days investigation with XXXX just for them to tell me they knew it wasnt me and they couldnt tell me who it was XXXX this is not right XXXX facing consequences for a strangers actions .i just wish I had my account back I cant bank anywhere with anyone .ive tried XXXX XXXX and Bank of America and XXXX XXXX XXXX denied

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSOCis falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOCis a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND PORTFOLIO RECOV ASSOC - XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report shows inquiries that I do not recognize. I did not give permission to these companies to access my credit report, nor did I apply for anything with them. I take my rights as a consumer seriously, and it is deeply upsetting to see them being violated. With everything else going on in my life, this added stress is overwhelming.

Company response to consumer: Closed with non-monetary relief