vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
XXXX. I owed {$62.00} on a XXXX XXXX account but didnt know about it until it went to collections sometime in XXXX. 

XXXX. I called them to pay it off ( in XXXX ) and their team told me I could use a bank card to make my payment. I gave the team member my card info and assumed we were good. 

XXXX. At some point after that ( in XXXX XXXX receive a notification that I still owed the {$62.00} plus a late fee. I called in and was informed that my previous payment was reversed but they didnt know why. I agreed to pay the {$62.00} and they allowed me to make the payment with my bank card again. They also agreed to remove the late fee because it was their error. 

XXXX. At some point after that ( in XXXX XXXX ) I get a notification that I still owe the {$62.00} plus late fees. I called in a third time and learned that my payment was reversed again but the reason my first two payments were reversed was because they dont take bank card payments ... .only ACH payments. At that time I made a successful ACH payment for {$62.00} but I didn't pay the {$75.00} late fee because it was the creditor 's error ... .not mine. The team member told me they would escalate and review my situation to see if they should remove the penalties. I never heard back so I assumed I was good. 

XXXX. XX/XX/XXXX I received a mailing claiming I owe {$110.00} in late fees. I called in again and spent 1.5 hours on the phone with 4 different team members and as I was talking to a supervisor who was about to remove the fees ... our line got disconnected. They did not call me back to finish solving the situation. This makes a total of 4 calls each lasting over an hour of me trying to solve this problem. Several team members indicated to me that the payments that were reversed showed that the payment types were invalid. If they had told me to pay with ACH the first time there would never have been a problem. I dont think I should have to pay late fees because they didnt ask for the correct form of payment and did not communicate with me that the payments were reversed to give me a chance to fix it before incurring more penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint narrative : In XX/XX/2025, I submitted my full principal and interest mortgage payment of {$1200.00} to Truist Mortgage. I intentionally excluded the escrow portion due to a dispute over forced charges and an unexpected $ XXXX increase. Despite making this timely payment, Truist misapplied the funds, marked the payment as unapplied, and falsely recorded my account as past due. This error caused a cascading issue that nearly prevented me from closing on a time-sensitive business loan. 

To protect the loan, I was forced to make an additional full payment of {$1700.00} on XX/XX/XXXX, XXXX paying for the same month twice. Truists internal error directly impacted my mortgage record, led to false reporting, and created financial stress for my family and business. 

This mishandling also resulted in : An inaccurate mortgage statement ( dated XX/XX/2025 ) Improper classification of a valid payment Coercive pressure to escrow funds unnecessarily Financial and reputational damage I am requesting the CFPB to review this case and ensure Truist : Corrects my mortgage records to reflect timely payment for XX/XX/2025 Issues a written acknowledgment of their error to support my business lending file Ceases any attempts to force escrow or impose inflated escrow fees The mishandling of my mortgage payment is unacceptable and violates basic mortgage servicing practices. Truist must be held accountable.

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 2025-04-04 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXXXXXX {$5700.00} - XXXX XXXX XXXX {$44000.00} - XXXXXXXX XXXX XXXXXXXX XXXX {$570.00} - ACA XXXX - - ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SOCIAL SECURITY NUMBERS NOT RECOGNIZED WRONG SS ENDING IN XXXX AND XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) 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. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
FAIR COLLECTIONS & OUT XXXX {$5700.00} - XXXX XXXX XXXX {$44000.00} - XXXX XXXX XXXXXXXX XXXX {$570.00} - XXXX XXXX - - ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SOCIAL SECURITY NUMBERS NOT RECOGNIZED WRONG SS ENDING IN XXXX AND 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 2025-04-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXXXXXX {$5700.00} - XXXX XXXX XXXX {$44000.00} - XXXXXXXX XXXX XXXXXXXX XXXX {$570.00} - ACA XXXX - - ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SOCIAL SECURITY NUMBERS NOT RECOGNIZED WRONG SS ENDING IN XXXX AND XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) 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. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
FAIR COLLECTIONS & OUT XXXX {$5700.00} - XXXX XXXX XXXX {$44000.00} - XXXX XXXX XXXXXXXX XXXX {$570.00} - XXXX XXXX - - ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SOCIAL SECURITY NUMBERS NOT RECOGNIZED WRONG SS ENDING IN XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
I am going round and round in circles with Amerihome. When I add all the withdrawals from my account to Amerihome it's {$11000.00}, which is for three months. Amerihome, let me make something clear : XXXX XXXX PROVIDE CHECKS FOR AN ACH WITHDRAWAL.The ACH withdraw was done on Amerihomes website and WAS NOT CONVERTED TO A CHECK. It was electronically withdrawn by my XXXX XXXX account number. I have provided you three times with trace numbers. I understand the split payment, as this was from another bank, and {$1900.00} was held in suspense. Here, and I quote : " The funds of {$1900.00} requested on XX/XX/XXXX, were not returned back to your banking institution but kept by our processing payment center and credited to your account on XX/XX/XXXX. '' In turn, I made another {$1900.00} one-time draft processed on XXXX. My XXXX XXXX statements show only ONE return on my request for {$3700.00}, which occurred on XX/XX/XXXX, because Amerihome kept stating they did not receive the money. I, in turn, mailed a check XXXX for {$3700.00} that was cashed and was not returned, as I have proof. If I were to ask XXXX XXXX and XXXX XXXX to return ALL the money I paid to you, XXXX XXXX would return {$5600.00} and XXXXXXXX XXXX  {$5600.00} for a total of {$11000.00}. I do not want my credit to be affected because XXXX is not processing my payments correctly, nor should I be charged late fees. I have attached my statements and four documents that are signed by the Branch Manager showing one time payments that were paid from XXXX XXXX bank, a copy of check # XXXX and if I need further proof, we need to have a conference call with XXXX XXXX. Let me be clear again : XXXX XXXX CAN NOT PROVIDE CHECKS FOR AN ACH WITHDRAWAL. It clearly states on the documents NO IMAGE, which means Amerihome did not request to have the ACH converted to a check. The ACH withdrawal was done on Amerihomes website and WAS NOT CONVERTED TO A CHECK. THIS COMES STRAIGHT FROM XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : CREDENCE RM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$410.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt.

Ceaseanddesistasap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/year>, my company deposited a XXXX XXXXXXXX two-party check with our Huntington National Bank . Prior to m

aking the deposit, I confirmed the banks deposit requirements on five separate occasions, including explicitly asking whether any forms or additional documentation were necessary to avoid delays or issues.

Despite these efforts, I was informed the day after the deposit that the funds would not be released until the other party completed a required notarized form. Unfortunately, the other party is now unreachable and will remain so for the foreseeable future. 

The bank has refused both to release the funds or to return the check to the issuing insurance company so that it can be reissued. This situation could have been entirely avoided had a bank representative provided accurate and complete information about the process beforehand. 

Full details are in the attachment.

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

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-04-04 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: AAA Auto Title Loans, LLC
State: TX

Complaint narrative:
I am writing to dispute an unauthorized inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXubmitted by XXXX XXXX XXXX a part of XXXX, XXXX XX/XX/year>. I have never applied for any credit or service with this company, and I did not grant permission for this inquiry to be made on my behalf.

Because I did not authorize this activity and have no relationship with this business, I believe this may be an error or a result of fraudulent activity. I am requesting that XXXX initiate a reinvestigation into this inquiry and provide documentation outlining the steps taken to verify it. If the inquiry can not be proven as authorized by me, I respectfully request that it be removed from my file. 
This request is made under my rights outlined in the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681i. Please confirm in writing once the reinvestigation has concluded and the results have been updated. 
Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Benht: Economic Development Corporation
State: TX

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry listed in my consumer file. The inquiry in question is from XXXX XXXX and was submitted by XXXX XXXX XXXX a part of XXXX, on XX/XX/year>. I have never applied for credit, services, or had any business interaction with XXXX XXXX, nor did I authorize XXXX XXXX or any other entity to access my consumer file on behalf of this company. 

I believe this inquiry may be the result of identity theft or an error, and I respectfully request that XXXX initiate a reinvestigation into the matter. I also ask that you provide a detailed explanation of the procedures used to verify this inquiry. If it can not be fully verified as authorized by me, I request that it be permanently removed from my file. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681i, and I would appreciate written confirmation once the reinvestigation has been completed and any necessary corrections have been made. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
I recently checked my credit report and was shocked to learn that i have become a victim of identity theft. I am currently in the process of buying a home and this is hindering me from being able to do so. I ask that you please delete and block all fraudulent accounts from my credit report. Thank you in advance.

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 2025-04-04 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: AZ

Complaint narrative:
Equifax has a documented history of failing to properly investigate consumer disputes, leading to legal action for FCRA violations. This pattern of noncompliance is unacceptable, and I refuse to allow my financial profile to suffer due to Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a legitimate reinvestigation of all disputed information within 30 days. If any item can not be 100 % verified with legitimate, original documentation, it must be deleted. These reporting errors are actively damaging my financial standing, and I demand immediate corrective action. Any failure to comply will be met with further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
This financial company 's name is Onemain Financial. 
I know they've been stealing my money for a while with interest rate hikes and cuts. They promise you there won't be any fees, and then they secretly take money out of your account, and you'll never be able to pay it back because you never see all the money you pay. This financial company needs to investigate. They're not stealing my money.

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

Complaint narrative:
I am writing to dispute several inaccuracies appearing on my credit report in connection with my XXXX XXXX  account ( Account # XXXX ). I have identified information that I believe is either incorrect or incomplete, and I request that these inaccuracies be promptly investigated and removed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This account was reported as a charge off and is impacting my score negatively. The reporting of this account is incorrect as I still see a balance after it was charged off. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting while the report shows as charged off? Im pretty sure you know that is a violation. I demand immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account. 

Specifically, I request that you review and verify all information associated with the above account. In accordance with 15 U.S.C. 1681e ( b ), please ensure that the information furnished is accurate and complete, and under 15 U.S.C. 1681i ( a ), please investigate my dispute and provide me with a written response within the statutory timeframe. 

I respectfully request that any inaccurate information be removed from my credit file and that you provide written confirmation of the actions taken. Please also include an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

XXXX XXXX

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-04 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, demand the deletion and removal of the listed accounts on my credit report : XXXX XXXX, Open date : XX/XX/XXXX, XXXX capital XXXX XXXX XXXX XXXX date : XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, Inquiry date : XXXX XXXX, XXXX PREMIE, Inquiry date : XXXX XXXX, XXXX XXXX, Inquiry date : XXXX XXXX,. XXXX, Inquiry date : XXXX XXXX, XXXX, Inquiry XXXX, .XXXX, Inquiry XXXX, .CPS, Inquiry date : XXXX XXXX XXXX XXXX, Inquiry XXXX, XXXX B, XXXX XXXX XXXX XXXX, Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, Inquiry XXXX,. XXXX, Inquiry date : XXXX XXXX, XXXX XXXX, Inquiry XXXX, XXXX XXXX, Inquiry XXXX, .XXXX, Inquiry XXXX, XXXXXXXX XXXX XXXX Inquiry XXXX, XXXX, Inquiry XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief