vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I'm filing this complaint because Equifax is reporting late payments on my XXXX XXXX  account ( XXXX ), and I never gave permission for that. This violates the permissible purpose rule under 15 U.S.C. 1681b ( 2 ) ; they must have my written consent, and I never gave it. I also have a right to privacy under 15 U.S.C. 1681a ( 4 ), and this kind of reporting is a violation of that. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) says the banking system depends on fair and accurate credit reporting. When theres info on my report that I didn't authorize, like this late payment, it hurts the system and causes harm to consumers like me. I reviewed my reports and noticed that Experian, Equifax, and TransUnion are all reporting different data on the same account ; they dont match. This goes against 15 U.S.C. 1681e ( b ), which requires all information to be accurate and consistent across the board. Also, under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), reports that only show transactions or experiences between me and the creditor should be excluded from my report. The FCRA defines person broadly under 1681a ( b ), and that includes both Equifax and the furnisher. So, this info should not be there at all. Also, under 15 U.S.C. 1666b, the law says a creditor cant treat a payment as late for any reason unless the payment was made after the due date and after allowing a fair grace period. If I made a payment on time or within the billing cycle, it should not be reported as late, not tome and definitely not to the credit bureaus. Equifax is reporting these late payments without my consent or verification, which violates this law directly. This is now my first attempt to get this fixed. These late payments are hurting my ability to get a loan to save my business and housing. Im not asking for the account to be deleted, just fix the late payments or remove those late payments. If Equifax doesnt correct this, theyre committing willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o, and Ill have no choice but to seek legal damages. I already spoke to legal counsel about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need. 
Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provide. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Today, XX/XX/year> I received alerts from my other credit cards that there was a hard inquiry on my credit report. I checked and saw that there was a hard credit inquiry from Capital One banking that I did not authorize.

I called Capital One to let them know that I did not authorize a hard inquiry from them and they told me that they were working to resolve and reverse the credit application and file it as fraudulent. 

Before I called Capital One, I called XXXX to let them know and they made a note on my report about it. Later, after calling Capital One, I called XXXX XXXX XXXX to let them know the same thing about what happened and XXXX XXXXed me here to file a complaint to get documentation of it. 

I'm not 100 % sure what the credit bureaus did on their end to XXXX what I told them as it was kind of hard to hear what each person was saying, but this is what I'm doing now to help expedite the process of getting my credit report fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Collectors, Incorporated
State: WA

Complaint narrative:
I went to the hospital. I got a bill later that said what I owed and said I had a year to get it paid in full. I set up an account and started paying {$100.00} per week. I went to make a payment about 3 months later and it would not let me so I called, and they said they would get it fixed. I made a payment over the phone and the next week went in to make my payment and it went through fine. I went to make another payment the next week, and it would not let me again. I called and they said it was sent to collections and that I needed to call the collection company. I called them and they asked me to fax in my proof of payments, so I did. They then sent me another bill, so I called them again and they said I had to talk to the hospital. Hospital says I need to talk to collections. Back and forth this is going while interest is accruing and they added an extra {$1000.00} as a collection fee. I do not owe this and was making my payments just fine. I can't get anywhere with any of them, so I am reaching out for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY SEVERAL DATA BREACHES. PER 15 USC 1681 C-2 STATES EXPEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. THIS ACT VIOLATES 18 U.S.C. 1029, WHICH PROHIBITS THE UNAUTHORIZED USE OR POSSESSION OF ACCESS DEVICES WITH INTENT TO DEFRAUD. REPORTING INFORMATION THAT IS KNOWN TO HAVE ERROR IS A DIRECT VIOLATION OF 15 USC 1681S-2. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: PROVINCE MORTGAGE ASSOCIATES
State: RI

Complaint narrative:
I applied for a mortgage loan with Province Mortgage on or about the 1st week of XX/XX/year> and the mortgage broker failed to adequately explain the rate lock process, which led to me being charged a higher interest rate and points than initially indicated to me. 

With respect to this he kept indicating that I should refinance at a later date, despite the fact that knowing full well that would not be possible without paying more fees to them & potentially repaying and losing a {$15000.00} assistance program offered by the state of R.I.which he offered & incorporated. 

Additionally, I was forced to pay fees to Province mortgage that the broker indicated were " junk fees '' or words to that effect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MI

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 may 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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
[ Your name ] [ Your return address ] [ Date ] [ Debt collector name ] [ Debt collector Address ] Re : [ Account number for the debt, if you have it ] Dear [ Collection Agency ], I hope this letter finds you well. I wanted to bring to your attention a debt that is listed on my credit report for account number [ Account Number ]. I never received a letter from your company about this debt. I respectfully dispute this debt and request that you provide me with more information about it, such as the name of the original creditor and the amount owed. 
Additionally, please send me the last statement from the original creditor. This will help me to accurately confirm whether or not this debt is valid. 
I would also request that you remove this collection from my credit report. I prefer to communicate by mail, so please no phone calls. 
I appreciate your help in this matter and look forward to your response. 
Sincerely, [ Your Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Zelle has restricted access to any new account creation or previous account use after I was defrauded through the platform. I have been unable to set up another zelle account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Monthly service charge when correct deposit was made twice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-19 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: AL

Complaint narrative:
I have been having issues with my credit reports for some time now, i have filed an ID Theft with both local PD and FTC, however it appears that no companies have taken this seriously. I have been trying to get in touch with a live representative for some time now and they will not allow me through the automated system. In addition to the accounts listed on the report attached, i found out my XXXX wife opened credit cards without my permission and handled them prior to our divorce. Charges have been filed yet nothing appears to be getting done on the creditors and credit reporting agencies end.

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 2025-05-19 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: AL

Complaint narrative:
I have been having issues with my credit reports for some time now, i have filed an ID Theft with both local PD and FTC, however it appears that no companies have taken this seriously. I have been trying to get in touch with a live representative for some time now and they will not allow me through the automated system. In addition to the accounts listed on the report attached, i found out my XXXX wife opened credit cards without my permission and handled them prior to our divorce. Charges have been filed yet nothing appears to be getting done on the creditors and credit reporting agencies end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, PNC Bank received a Levy for my account in the amount of {$16000.00}. 

I have contacted them several times to confirm that my income is protected due to it being for XXXX and XXXX. 

The issue was fixed, but the levy was sent over again and the bank took the money again. 

I have confirmed that this is illegal though neither party debt collector nor the bank believe so and Im only able to resolve this when someone researches

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
FXXXX 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 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 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 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 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 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 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 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 XX/XX/XXXX Following 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. I did not authorize them and they do not have a Permissible Purpose on my behalf. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a 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.

The accounts below have violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
After disputing multiple collections and other forms of debt, late payments, etc The reporting agencies refuse to send letters of verification and as well as contracts with my live wet signature!

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 2025-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Figure Technologies, Inc
State: CA

Complaint narrative:
In XX/XX/XXXX, I obtained a Home Equity Line of Credit ( HELOC ) through a company operating under XXXXXXXX XXXX, which was facilitated and is now serviced by Figure Lending LLC. The original loan amount was approximately {$75000.00}. A XXXXXXXX XXXX origination feearound $ XXXX rolled into the balance and began accruing interest immediately. 

The loan carries a fixed APR of XXXX XXXX with a rate floor that prevents any downward adjustment and a maximum APR of XXXX XXXX which is unreasonably high for a secured residential loan. Interest is calculated daily, and despite making on-time monthly payments since the start of the loan, I observed almost no reduction in the principal balance. 

In XX/XX/XXXX, I raised these concerns with Figure Lending. I expressed that despite consistent XXXX XXXX  monthly payments, the balance remained largely unchanged and I felt financially trapped. Figure responded in XX/XX/XXXX and declined to offer any interest reduction, settlement, or loan modification. Instead, they offered XXXX limited programs : a forbearance plan ( which defers payments but accrues interest ) and a short-term repayment plan ( for accounts that are past due ). Neither addresses the core issue of affordability and interest overburden. 

On XX/XX/XXXX, I completed a detailed amortization analysis, which confirmed that if I continue to pay {$800.00} per month, the loan will take over XXXX years and XXXX  months to repay and will cost approximately {$98000.00} in total interestmore than the original amount borrowed. This outcome confirms that the loan is structurally predatory. 

I have submitted a formal rebuttal to Figure and filed complaint updates with relevant regulatory agencies. I also reviewed multiple federal lawsuits currently pending against Figure Lending LLC, alleging similar misconduct, including misrepresentation of HELOC terms and abusive interest charges. 

I request this complaint be treated as new or reopened, and that it be reviewed for further regulatory enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX I spoke with representatives about repayment and was told by representatives I could begin repayment anytime after XXXX. 

XX/XX/XXXX Made first payment on accounts and was marked delinquent. After seeing this on my credit report I spoke with Aidvantage representative about it and was told that the late payment would be removed from my credit report the next cycle date. 

XX/XX/XXXX Made another payment and late payment was still on credit report, After speaking with a representative again they claimed it would be removed from my credit report the next cycle date but is still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently contacted the credit bureaus in reference to identity theft. There are wrong/incorrect names and addresses on EXPERIAN, TRANSUNION AND EQUIFAX. Please see attached my identification and a copy of my social security card

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