vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
Account # XXXX, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-13 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: TX

Complaint narrative:
I requested that Equifax update my credit file to reflect my correct address : XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
During a call, Equifax confirmed the address was added but stated I still needed to send proof of address. I provided the required documentation, yet the address remains missing from my report. This has caused reporting issues and potential harm to my credit file accuracy. 
I am requesting the CFPBs assistance in ensuring Equifax promptly updates my address and confirms it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I closed on a home in Virginia and entered into a mortgage with XXXX XXXX XXXX  XXXX, XXXX. At closing, I paid {$950.00} into escrow. 
From XXXX to XX/XX/XXXX, I made monthly mortgage payments of {$1900.00}, with {$400.00} per month designated for escrow. 
On XX/XX/XXXX, XXXX XXXX transferred my mortgage to XXXX XXXX XXXX XXXX ( XXXX  ), which later merged under NewRez LLC. As part of this transfer, escrow funds were sent to XXXX. 
XXXX recorded only {$950.00} as escrow and later misapplied {$950.00} in escrow funds to the loan principal in XX/XX/XXXX, instead of using it to pay my XX/XX/XXXX real estate taxes of {$1300.00}. 
As a result of the missed tax payment, my parcel became delinquent, accruing interest and penalties for over two years. XXXX eventually began paying taxes in XX/XX/XXXX, but by that time, Virginia Code 58.1-3916 required payments to be applied first to interest and fees, not principal. 
When I sold my home on XX/XX/XXXX, a lien for delinquent property taxes totaling {$2600.00} was discovered just two days before closing during a title search. I was forced to pay the full amount to satisfy the lien and complete the sale. 
I never received notification of the tax delinquency. The county treasurer confirmed that a bill exists in their system but is undated, and no evidence exists that it was mailed or received. I was unaware of any delinquency until XX/XX/XXXX. 
When questioned, the city stated it was our responsibility to review our escrow statements and notice if they reflected an unexpected surplus potentially indicating a missed payment. However, due to the servicers misapplication of half of the original escrow balance to principal, our monthly statements continued to appear consistent with our initial loan disclosures. There was no obvious discrepancy. We had no indication that taxes had not been paid, and no notice from the county or servicer to suggest otherwise. 
Having had two previous mortgages both escrowed we had never experienced an escrow failure. 
Without any notification from the mortgage company , the county, or an alert in our monthly statements, we had no reason to suspect a problem behind the scenes. 
My mortgage servicer ( s ) had a legal obligation to : properly manage escrow funds under RESPA ( 12 CFR 1024.17 ) ; pay property taxes on time using those escrowed funds ; notify me of any changes or issues regarding escrow and tax payments ; and provide a full and accurate accounting of funds during the loan servicing transfer. 
These duties were breached. XXXX failed to apply escrow correctly and failed to pay property taxes on time.

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 2025-08-13 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: CA

Complaint narrative:
I am a victim of identity theft. XXXX fraudulent accounts have been reported in my name : XXXX. XXXX XXXX XXXX Account XXXX. XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX XXXX. XXXX XXXX, XXXX Account No. XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX I did not authorize or open either account. Both appear on my credit report without my knowledge or consent. 
Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and promptly delete unverifiable or inaccurate data.

2. FCRA, 15 U.S.C. 1681c-2 ( Section 605B ) Requires credit reporting agencies to block all information related to an alleged identity theft account within four business days upon receipt of proper identity theft documentation.

3. Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c-1 Provides for initial and extended fraud alerts to help protect consumers from further identity theft.

4. Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Criminalizes the unauthorized use of personal identifying information for fraudulent purposes. 



Actions Taken : Filed an FTC Identity Theft Report ( Report # XXXX ). 
Sent disputes to all credit bureaus under the FCRA requesting immediate removal of the accounts. 
Placed fraud alerts on my credit files. 



Requested Resolution : I request the CFPB ensure that : XXXX. XXXX XXXX XXXX and XXXX XXXX, XXXX immediately cease reporting these fraudulent accounts. 
2. All credit reporting agencies permanently delete the accounts from my credit file.

3. Written confirmation is provided by both creditors and all credit bureaus confirming removal and blocking of the accounts under FCRA 605B.

4. Any collection activity or attempts to verify these fraudulent accounts are terminated.

5. My credit file and score are corrected to remove any negative effects caused by these accounts. 



Supporting Documentation : FTC Identity Theft Report ( attached ) Government-issued photo ID Proof of current address ( utility bill ) Copies of dispute letters sent to the credit bureaus Certification : I declare under penalty of perjury that the above information is true and correct to the best of my knowledge.

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 2025-08-13 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 a victim of identity theft. XXXX fraudulent accounts have been reported in my name : XXXX. XXXX XXXX XXXX Account XXXX. XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX XXXX. XXXX XXXX, XXXX Account No. XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX I did not authorize or open either account. Both appear on my credit report without my knowledge or consent. 
Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and promptly delete unverifiable or inaccurate data.

2. FCRA, 15 U.S.C. 1681c-2 ( Section 605B ) Requires credit reporting agencies to block all information related to an alleged identity theft account within four business days upon receipt of proper identity theft documentation.

3. Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c-1 Provides for initial and extended fraud alerts to help protect consumers from further identity theft.

4. Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Criminalizes the unauthorized use of personal identifying information for fraudulent purposes. 



Actions Taken : Filed an FTC Identity Theft Report ( Report # XXXX ). 
Sent disputes to all credit bureaus under the FCRA requesting immediate removal of the accounts. 
Placed fraud alerts on my credit files. 



Requested Resolution : I request the CFPB ensure that : XXXX. XXXX XXXX XXXX and XXXX XXXX, XXXX immediately cease reporting these fraudulent accounts. 
2. All credit reporting agencies permanently delete the accounts from my credit file.

3. Written confirmation is provided by both creditors and all credit bureaus confirming removal and blocking of the accounts under FCRA 605B.

4. Any collection activity or attempts to verify these fraudulent accounts are terminated.

5. My credit file and score are corrected to remove any negative effects caused by these accounts. 



Supporting Documentation : FTC Identity Theft Report ( attached ) Government-issued photo ID Proof of current address ( utility bill ) Copies of dispute letters sent to the credit bureaus Certification : I declare under penalty of perjury that the above information is true and correct to the best of my knowledge.

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 2025-08-13 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Williams & Fudge, Inc
State: IL

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
previous complaint on XXXX  XXXX credit card account since XXXX during covid-19 there was an account payment suspension during covid-19 if there was difficulty making payments I enrolled during covid-19. And remembered financial services contacted me at XXXX XXXX University and said that a faculty member had opened a XXXX  XXXX credit card account the financial services person was removed and contacted me to report that employee was no longer with XXXX XXXX college. In previous years also with XXXX  XXXX a former class member XXXX XXXX was the individual who opened the XXXX  XXXX account and knew XXXX XXXX Secretary of State to avoid prosecution I was never formally notified by XXXX  XXXX of a person using my identity to open a credit card account. XXXX XXXX left office and secretary of state in XXXX. Secretary of state of Illinois handles securities and securities fraud matters. Going into a XXXX restaurant app frauduent transactions leading to a securities fraud crime at the secretary of state, missing or not applied payments charge off is retaliatory becuase a faculty or teach was responsible for the compromise at least one.

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Product : Credit Reporting Issue : Debt collector furnishing inaccurate information Company : Midland Credit Management Account Number : XXXX Account Balance : {$1500.00} I am disputing inaccurate and unverifiable information being reported by Midland Credit Management, a debt collector, to XXXX  and other credit reporting agencies. Midland Credit Management has failed to provide original account-level documentation from the alleged original creditor, including the signed contract, full payment history, and lawful proof of assignment or purchase of the debt. This violates : - FDCPA 807 ( 8 ) Prohibition on communicating false credit information. - FDCPA 809 ( b ) Requirement to cease collection until debt validation is provided. - FCRA 623 ( a ) ( 1 ) ( A ) Prohibition on furnishing information known to be inaccurate. - FCRA 623 ( b ) Duty to investigate disputed information. Requested Resolution : - Delete the unverifiable tradeline from all credit reporting agencies. - Provide copies of all original documentation used to verify the account. - Cease all collection activity until proper validation is provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Saturday XX/XX/year>, Bank of America closed my personal checking and savings account without any explanation. Ive called the department for closed accounts and they stated that my case or investigation would not be completed until XX/XX/year>. Also I filed a claim for funds to be returned to my personal checking account and then right after my account was closed. Bank of America stated that the issue could due to my checking account not maintaining enough check deposits into my account which is false. Now I have access to obtain information to present for this claim. I think consumer rights were violated due to my account always having check deposits prior recently. The reason why is because I have a XXXX checking account which doesnt have maintenance fees that are ridiculously high. Also I use XXXX XXXX  for my direct deposits deposited 2 days earlier into my account. I believe this the reason that Bank of America closed my account as well.

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 2025-08-13 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 a victim of identity theft. Multiple fraudulent credit inquiries have been made without my authorization, which have negatively impacted my credit report and score. These inquiries include : XXXX  : XXXX XX/XX/XXXX Capital XXXX : XX/XX/XXXX ( appearing on both TransUnion and Equifax ) XXXX XXXX : XX/XX/XXXX I did not authorize or apply for any credit accounts with these entities. These inquiries are the result of identity theft and were not initiated by me. 



Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b A consumer reporting agency may only furnish a credit report to a person with a permissible purpose. These inquiries were made without permissible purpose and are unlawful.

2. FCRA, 15 U.S.C. 1681c-2 ( Section 605B ) Requires credit reporting agencies to block all information that results from identity theft, including unauthorized inquiries, within XXXX business days after receiving identity theft documentation.

3. Fair and Accurate Credit Transactions Act ( FACTA ) Strengthens consumer rights to dispute and remove fraudulent or inaccurate credit report information.

4. Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Criminalizes the unauthorized use of personal identifying information for fraudulent purposes. 



Actions Taken : Filed an FTC Identity Theft Report ( Report # XXXX ). 
Disputed the fraudulent inquiries with all credit reporting agencies under the FCRA. 
Requested blocking of these inquiries under FCRA 605B.

Requested Resolution : I request the CFPB to ensure that : 1. XXXX, Equifax, and XXXX  immediately remove and permanently block the above unauthorized inquiries from my credit report.

2. Written confirmation is provided from each credit bureau confirming the removal and blocking of these inquiries under FCRA 605B. 
3. All entities that made the inquiries ( XXXX, XXXX XXXX, XXXX XXXX ) are notified that the inquiries were unauthorized. 
4. My credit file is corrected to eliminate any negative effects caused by these inquiries.

Supporting Documentation : FTC Identity Theft Report ( attached ) Government-issued ID Proof of address ( utility bill ) Copies of disputes sent to credit bureaus Certification : I declare under penalty of perjury that the above information is true and correct to the best of my knowledge.

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 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: WI

Complaint narrative:
I added money yo my cash app and now it says I'm unable to add paper money to my cash app. I do not have a bank account and pay all my bill from this account. I contacted customer service and they told me " Is there anything else I can help you with today? Please review the info at your convenience and let us know if you need more help. I wish I could do more here, but Im not able to override this decision. Youre welcome to keep trying again in the future, since we roll out new features periodically. '' I have bills to pay and now I'm unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/year> -- {$22000.00}

Company response to consumer: Closed with explanation