vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
Initially, everything was great. However, after a year, we started receiving unexpected charges. 

1. Every year, they calculate an escrow account balance. We were informed that the escrow account was for paying PMI and hazard insurance. However, they also require a minimum balance that is about {$400.00} higher than just the costs for PMI and hazard insurance. After a year, the required minimum balance increased for no apparent reason, resulting in a charge of almost {$250.00}. It felt like a penalty because that amount was not contributing to the escrow balance ; it seems like a savings account for them. At that moment, I added money to the escrow account, and I requested a new escrow analysis and which helped me avoid paying the penalty of almost {$250.00}. 

2. This year, we opted for cheaper hazard insurance, which saved us almost {$800.00}. My previous insurance premium was XXXX, and my current one is XXXX. However, after recalculating the escrow balance, they informed us that our monthly payment would be higher because they claimed our taxes would increase by {$30.00}. I applied for a homestead exemption last year, in XX/XX/2025, and I paid {$1000.00} with the exemption. I was expecting my taxes to remain the same or even decrease for XXXX. Nevertheless, out of the blue, they stated that our taxes would be XXXX for XXXX XXXX. 

It seems that the {$800.00} we saved on insurance will not benefit us ; they will keep it for themselves. 

I have attached the new escrow balance, as well as the previous and current hazard insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
Under XXXX XXXX, I made payments to the Trustee 's office who then sent to XXXX XXXX, the owner of my mortgage. My last payment to the court was XX/XX/year>. My first direct payment to XXXX XXXX was XX/XX/year>. In XXXX, I received a message that my loan had been sold to ShellPoint Mortgage. In XXXX, ShellPoint reported that I was a payment behind. I have been arguing with ShellPoint for 2 years and have provided documentation that there were no missing payments from both the Trustee 's office as well as my personal payments made directly to XXXX XXXX. After multiple reviews, ShellPoint has stated that they can not help and I must contact XXXX XXXX for resolution. They are out of business. I found online that they were owned by XXXX XXXX and they too can not be reached.

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 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Other debt
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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 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: CO

Complaint narrative:
I formally request supporting documentation regarding a late payment that appears on my credit report for the account referenced below. I believe this item may have been reported inaccurately and would appreciate any available details or verification related to the entry. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information reported. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/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 2025-08-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These false accounts must be removed from my report within 15 daysthey are not associated with me ( USC 1681g ).

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 — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cash App closed my account without explanation. I reached out multiple times requesting a reason for the closure and the return of my funds, but I have only received vague or generic responses. I believe I have the right to understand why my account was terminated and to access the money that was in my account. 

Im requesting a detailed explanation of the closure and the immediate return of my funds.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter serves as a formal follow-up to my prior disputes regarding inaccurate and unverifiable information on my credit report. I stand firm in my belief that the accounts reported are invalid, and I am once again demanding their immediate deletion from my file. I must emphasize that these accounts are not being reported by XXXX  which clearly raises concerns about the accuracy and consistency of your reporting. This inconsistency supports my position that these entries are not only questionable but unverifiable.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally notify you of discrepancies in the reporting of my credit information. It has come to my attention that closed accounts are being reported with different statuses and varying balances across the different credit bureaus Transunion, Equifax, and Experian. 
These inconsistencies are negatively impacting my credit report and, as such, I request that these accounts be deleted immediately. If these discrepancies are not resolved within 15 days, I will have no choice but to pursue legal action for the inaccurate reporting, which violates the Fair Credit Reporting Act. 
Please investigate this matter promptly and provide written confirmation of the actions taken. 
XXXX XXXX XXXX - Transunion reports the account : CLOSED With a high balance of {$250.00} XXXX counts of late payments Equifax reports the account status {$490.00} PAST DUE With a high balance {$0.00} XXXX counts of late payments Experian reports the account status {$490.00} PAST DUE With a high balance {$0.00} XXXX  counts of late payments. 

XXXX XXXX XXXX  XXXX Transunion is reporting the reported date as XXXX XXXX counts of late payment status : CLOSED Equifax is reporting the the reported date as XXXX XXXX counts of late payment Status : CLOSED Experian is reporting the reported date as XXXX XXXX counts of late payment Status : 90 days LATE XXXX XXXX Transunion is reporting - 1 count of late payment status : 30 days late Equifax is reporting - XXXX  counts of late payment Status : CLOSED Experian is reporting XXXX XXXX  counts of late payment Status : XXXX XXXX XXXX XXXX XXXX Transunion is reporting - Reported date XXXX Status : CLOSED Equifax is reporting - Status : Collection/Chargeoff Reported date XXXX Experian is reporting - Reported date XXXX Status :120 days late XXXX XXXX XXXX XXXX Transunion XXXX date reported XXXX Equifax - date reported XXXX Experian - XXXX All of these dates, different reporting statuses on closed accounts are affecting my credit and it is inaccurate.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally notify you of discrepancies in the reporting of my credit information. It has come to my attention that closed accounts are being reported with different statuses and varying balances across the different credit bureaus Transunion, Equifax, and Experian. 
These inconsistencies are negatively impacting my credit report and, as such, I request that these accounts be deleted immediately. If these discrepancies are not resolved within 15 days, I will have no choice but to pursue legal action for the inaccurate reporting, which violates the Fair Credit Reporting Act. 
Please investigate this matter promptly and provide written confirmation of the actions taken. 
XXXX XXXX XXXX - Transunion reports the account : CLOSED With a high balance of {$250.00} XXXX counts of late payments Equifax reports the account status {$490.00} PAST DUE With a high balance {$0.00} XXXX counts of late payments Experian reports the account status {$490.00} PAST DUE With a high balance {$0.00} XXXX  counts of late payments. 

XXXX XXXX XXXX  XXXX Transunion is reporting the reported date as XXXX XXXX counts of late payment status : CLOSED Equifax is reporting the the reported date as XXXX XXXX counts of late payment Status : CLOSED Experian is reporting the reported date as XXXX XXXX counts of late payment Status : 90 days LATE XXXX XXXX Transunion is reporting - 1 count of late payment status : 30 days late Equifax is reporting - XXXX  counts of late payment Status : CLOSED Experian is reporting XXXX XXXX  counts of late payment Status : XXXX XXXX XXXX XXXX XXXX Transunion is reporting - Reported date XXXX Status : CLOSED Equifax is reporting - Status : Collection/Chargeoff Reported date XXXX Experian is reporting - Reported date XXXX Status :120 days late XXXX XXXX XXXX XXXX Transunion XXXX date reported XXXX Equifax - date reported XXXX Experian - XXXX All of these dates, different reporting statuses on closed accounts are affecting my credit and it is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several companies have made unauthorized inquiries into my credit report, directly damaging both my credit and credit score. I previously contacted your agency and was assured by a representative that these inquiries would be removed. That promise remains unfulfilled, and the inquiries are still present. This failure to act is unacceptable. 

The continued presence of these unauthorized and potentially fraudulent inquiries is deeply concerning and strongly indicates possible identity theft. This ongoing negligence is causing serious emotional and financial harm.

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 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:
I am formally requesting the blocking and deletion of all accounts associated with my personal information as a result of a recent data breach

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 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-07 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: CA

Complaint narrative:
I formally request supporting documentation regarding a late payment that appears on my credit report for the account referenced below. I believe this item may have been reported inaccurately and would appreciate any available details or verification related to the entry. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information reported. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have previously disputed Experian, XXXX  and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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