vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: FL

Complaint narrative:
CFPB COMPLAINT XXXX. Product : Loan Type : Personal installment loan Company Name : Tolovana Financial XXXX XXXX Lending Website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What happened? 
I obtained an installment loan through Tolovana Financial XXXX XXXX XXXX, and I believe I have been subjected to predatory and illegal lending practices. The loan agreement states an Annual Percentage Rate ( APR ) of 725.73 %, which exceeds legal limits in my state of residence ( Florida ), where interest rates on consumer loans are capped at 36 % APR. 
In addition to the exorbitant APR, the lender uses a tribal affiliation to claim exemption from state law, despite marketing and distributing loans across state lines, including in Florida, where the law expressly prohibits such high interest rates. 
The contract also includes troubling provisions such as : - Waiver of class action and jury trial rights- Sovereign immunity protections shielding the lender from court actions- Debits from my bank account without full transparency The lender & # XXXX ; XXXX practices appear deceptive, exploitative, and in violation of the Truth in Lending Act ( TILA ) and state usury laws. 
I feel misled and financially exploited by this lender, and I request that the CFPB investigate the legitimacy and legality of XXXX XXXX & # XXXX ; XXXX practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: WV

Complaint narrative:
I have requested and disputed this account ( 3 ) times. Each time the account has come back " updated ''. The inaccuracies remain. Each credit report is showing different information. All 3 bureaus are showing a different " last payment date ''. Each credit bureau shows different payment histories, which has become even more damaging and unverifiable. The account number is different on XXXX XXXX XXXX XXXX XXXX XXXX  or Transunion. I can not verify the account numbers even after requesting the information 3 times. The first dispute came back. Information has been disputed with all 3 credit bureaus and no proper investigation has been completed to date.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have requested and disputed this account ( 3 ) times. Each time the account has come back " updated ''. The inaccuracies remain. Each credit report is showing different information. All 3 bureaus are showing a different " last payment date ''. Each credit bureau shows different payment histories, which has become even more damaging and unverifiable. The account number is different on XXXX XXXX does not match Experian or XXXX. I can not verify the account numbers even after requesting the information 3 times. The first dispute came back. Information has been disputed with all 3 credit bureaus and no proper investigation has been completed to date.

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 2025-05-23 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: WV

Complaint narrative:
I have requested and disputed this account ( 3 ) times. Each time the account has come back " updated ''. The inaccuracies remain. Each credit report is showing different information. All 3 bureaus are showing a different " last payment date ''. Each credit bureau shows different payment histories, which has become even more damaging and unverifiable. The account number is different on Equifax and does not match XXXX XXXX XXXX  I can not verify the account numbers even after requesting the information 3 times. The first dispute came back. Information has been disputed with all 3 credit bureaus and no proper investigation has been completed to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: DISCOVER BANK
State: MD

Complaint narrative:
XXXX XXXX XXXX, I became a victim of identity theft. Multiple accounts were fraudulently opened in my name without my knowledge or authorization. These include:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unknown amountXXXX  did not open or authorize any of these accounts or charges. I have reported the identity theft to the FTC and filed a police report. I have also contacted each company to dispute the accounts and request that they be closed and removed from my credit report. However, some accounts are still being reported inaccurately, and I am seeking further assistance to resolve this issue and restore my credit.\n\nPolice report number: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX, I became a victim of identity theft. Multiple accounts were fraudulently opened in my name without my knowledge or authorization. These includeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unknown amountXXXX did not open or authorize any of these accounts or charges. I have reported the identity theft to the FTC and filed a police report. I have also contacted each company to dispute the accounts and request that they be closed and removed from my credit report. However, some accounts are still being reported inaccurately, and I am seeking further assistance to resolve this issue and restore my creditXXXXPolice report number: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I took out a XXXX loan with installments of XXXX a month. On XX/XX/XXXX, I called to check how much I had left, which was XXXX. XX/XX/XXXX I went to go through the ascend loans company website to see how much I had left, but my password wasn't working. I waited 24 hours, still no response about my lost password recovery. When I called the number, they told me I owed the same XXXX. I called my bank, reporting the loan company practices blocking them from getting any more money out of me, till this day, I still don't have access to my account. Now they are harassing me, saying I owe them when they failed to communicate with 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 2025-05-22 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Account # XXXXXXXX XXXX XXXX  Balance : {$0.00} Account # XXXX XXXX Balance : {$0.00} Account # XXXX XXXX XXXX XXXX Balance : {$300.00} Account # XXXXXXXX XXXX XXXX XXXX Balance : {$410.00} Account XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Account XXXX XXXX XXXX XXXX Balance : {$12000.00} Account XXXX XXXX XXXX XXXX XXXX  Balance : {$630.00} Account XXXX XXXX XXXX XXXX Balance : {$1200.00} Account XXXX XXXX XXXX XXXX Balance : {$0.00} Account XXXX XXXX XXXX XXXX Balance : {$0.00} Account XXXX XXXX XXXX XXXX Balance : {$0.00} Account XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} Account 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 2025-05-23 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: CA

Complaint narrative:
Please certifywithout exceptionthat all data linked to this account is mine, originated from me, and belongs exclusively to me. Im not asking for a general confirmation ; I need a specific and unambiguous statement that every piece of data stored or associated here is under my ownership.

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 2025-05-22 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: FL

Complaint narrative:
I am filing a complaint about a collection account being reported by XXXX XXXX XXXX XXXX XXXX ( account ending in XXXX ), with XXXX XXXX as the original creditor. This account appears on all three credit reports : Experian, Equifax, and TransUnion. 
I never received a dunning letter from XXXX XXXX XXXX as required by FDCPA 809. 
XXXX XXXX XXXX conducted a credit inquiry without my knowledge or consent, in violation of FCRA 604. 
The reported balance is false. XXXX confirmed that this account was already settled, and they even issued me a credit after resolving the matter. 
I also filed a formal FTC Identity Theft Report. 

This collection account is both inaccurate and unauthorized, and its continued reporting violates my rights under the FDCPA and FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: DE

Complaint narrative:
CFPB Dispute Letter Incorrect Name and Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX Date : XX/XX/year> Subject : Dispute of Inaccurate Personal Information Name and Address To Whom It May Concern, I am writing to formally dispute the reporting of inaccurate personal information on my credit file. Upon reviewing my credit report, I noticed the presence of incorrect entries, specifically : A wrong or misspelled version of my name An address that does not belong to me and has never been associated with me These errors are both misleading and potentially damaging, as they may be associated with accounts or activities that are not mine. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. 

I am requesting the following : XXXXImmediate deletion of the incorrect name ( s ) and address ( es ) XXXXVerification and correction of all personal identifying information on my report XXXXWritten confirmation once these corrections have been made Please find attached a copy of my government-issued ID and a utility bill ( or lease/bank statement ) to confirm my correct name and address. 

Failure to correct these inaccuracies may result in further complaints filed with federal and state agencies. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-23 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XX/XX/year>

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 2025-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
When the hurricane hit XXXX, I called Mr. Cooper to ask for a payment deferral. They agreed. They told me out the back side I would have options, including a repayment plan, a catch up payment, refinancing, or a back loaded extension. I was familiar with these options as I had done this before. 

Six months later, I contacted them after receiving a letter telling me I was coming towards the end. They asked me if I could resume making payments, which I can. That was all they asked. 

2 months later, they contacted me to tell me that I was rejected and the options were short sale or deed in lieu. I contacted them to inquire as to what options there were to keep the house. They said none, because I couldn't make a lump sum catch up payment of XXXX XXXX. That was ONE of the options they discussed on the front side, not the ONLY option. Now they said because I got assistance previously, they couldn't help me. The letter stated that it was because I hadn't filled out a XXXX  for the lender. They never asked for one! The letter said I needed to verify employment income. I called to do so, and they said that wasn't the issue ( this is not what the letter, of the same day, said ). 

I am convinced this is how they are scamming people. They want a deed in lieu and I have tons of equity in the house. The only option they are giving me is short sale or deed in lieu. That's NOT what they said when they initiated the forbearance agreement. Those were two of several options they said would be available, including payment deferral or modification. Six months later, the only thing that changed is what they are saying now. Nothing else changed. That means, when they initiated this, they knew they would not offer a payment deferral or modfication. 

I hope the state of XXXX  looks into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just checked my updated credit report and saw that TransUnion reinserted an account ( XXXX XXXX XXXX Account Number XXXX ) that had already been deleted after I disputed it. I even received a confirmation letter on XX/XX/year>, stating the account was removed. Now its suddenly back, like nothing happened, no warning, no verification, and no permission from me. This is a serious violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), TransUnion was required to notify me within five business days of any reinsertion. They didnt. They were also supposed to get certification of accuracy from the furnisher, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( C ), which I also never received. No proof. No notice. Just the same account I already disputed is showing back up without my knowledge. Let me be very clear : I never gave written consent for this account to be reported in the first place, which means TransUnion is also violating 15 U.S.C. 1681b ( lack of permissible purpose ). That is a violation of my privacy and a breach of federal law. On top of that, this account is being reported differently by Experian, and Equifax isnt even reporting this account, meaning it was likely verified as not mine. This discrepancy across reports is a direct violation of 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. TransUnions conduct is reckless. This is a clear case of willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o, making them liable for up to {$1000.00} per violation. I already disputed this in writing, and they confirmed the deletion of this account, and now they have reinserted it. I'm tired of fixing the same errors while my credit keeps getting damaged. I am also invoking my rights under 15 U.S.C. 1681c-2, which allows to block unauthorized information. Any account reported without my written consent is covered under this statute. This situation is hurting my chances of getting housing and keeping my business running. TransUnion had the chance to correct this, but they chose to violate the law instead. I'm demanding the immediate and permanent deletion of this reinserted account, along with written confirmation that it will not be added again without proper legal steps. Hold TransUnion accountable. This is unacceptable.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
CFPB Dispute Letter Incorrect Name and Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX Date : XX/XX/year> Subject : Dispute of Inaccurate Personal Information Name and Address To Whom It May Concern, I am writing to formally dispute the reporting of inaccurate personal information on my credit file. Upon reviewing my credit report, I noticed the presence of incorrect entries, specifically : A wrong or misspelled version of my name An address that does not belong to me and has never been associated with me These errors are both misleading and potentially damaging, as they may be associated with accounts or activities that are not mine. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. 

I am requesting the following : XXXXImmediate deletion of the incorrect name ( s ) and address ( es ) XXXXVerification and correction of all personal identifying information on my report XXXXWritten confirmation once these corrections have been made Please find attached a copy of my government-issued ID and a utility bill ( or lease/bank statement ) to confirm my correct name and address. 

Failure to correct these inaccuracies may result in further complaints filed with federal and state agencies. Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
CFPB Dispute Letter Incorrect Name and Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX Date : XX/XX/year> Subject : Dispute of Inaccurate Personal Information Name and Address To Whom It May Concern, I am writing to formally dispute the reporting of inaccurate personal information on my credit file. Upon reviewing my credit report, I noticed the presence of incorrect entries, specifically : A wrong or misspelled version of my name An address that does not belong to me and has never been associated with me These errors are both misleading and potentially damaging, as they may be associated with accounts or activities that are not mine. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. 

I am requesting the following : XXXXImmediate deletion of the incorrect name ( s ) and address ( es ) XXXXVerification and correction of all personal identifying information on my report XXXXWritten confirmation once these corrections have been made Please find attached a copy of my government-issued ID and a utility bill ( or lease/bank statement ) to confirm my correct name and address. 

Failure to correct these inaccuracies may result in further complaints filed with federal and state agencies. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation