vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: LA

Complaint narrative:
I am filing this complaint against Fay Servicing , LLC due to serious errors and mismanagement during just 4 month period. They serviced my mortgage ( XXXX to XX/XX/XXXX ). Despite making timely payments as instructed, Fay misapplied these payments repeatedly, diverting substantial amounts into suspense and escrow accounts incorrectly. Specifically : XX/XX/XXXX : Payment of {$2000.00} XX/XX/XXXX : Payment of {$2000.00} XX/XX/XXXX : Payment of {$1000.00} XX/XX/XXXX : Payment of {$1000.00} XX/XX/XXXX : Payment of {$540.00} Despite these documented payments totaling {$6500.00}, Fay incorrectly maintained a suspense balance of {$1100.00}, failed to apply my payments properly toward principal, interest, and escrow, and falsely inflated my escrow account deductions in their disclosures.

Additionally, Fay issued escrow account disclosures that incorrectly reflected no escrow payments or disbursements in certain months, directly contradicting bank statements showing consistent payments. For instance, they inaccurately represented escrow activity in XX/XX/XXXX as XXXX, despite clear bank evidence to the contrary. 
Given Fays history with regulatory violations, notably the XX/XX/XXXX CFPB enforcement action for similar mismanagement, I seek a full audit of my Fay-serviced mortgage period, correction of all misapplied payments, reversal of unwarranted charges, and appropriate restitution. 
XXXX. Comparative Escrow Mismanagement Complaint ( XXXX  & Fay ) : Both XXXX XXXX XXXX  and Fay Servicing engaged in serious escrow mismanagement, as evident from discrepancies between bank records and escrow disclosures provided by each servicer. 
XXXX XXXX XXXX : Repeatedly underreported escrow collections ( {$0.00} ) on IRS XXXX XXXX and escrow disclosures, despite consistently collecting {$420.00} monthly during XXXX and early XXXX. 


Issued contradictory escrow disclosures, falsely inflating escrow disbursements for homeowners and flood insurance, resulting in an unjustified escrow shortage. 


Fay Servicing : Issued incorrect escrow disclosures, notably reporting {$0.00} escrow payments and disbursements for XX/XX/XXXX, despite clear bank statements showing substantial deductions for escrow. 


Significantly misrepresented escrow deductions in disclosures compared to actual transaction histories, causing confusion, financial harm, and unnecessary stress. 


This pattern of misconduct by both XXXX and Fay not only violates RESPA but constitutes fraudulent reporting, severely impacting my financial stability and emotional well-being. 
Resolution Requested : Comprehensive CFPB investigation and audit into escrow practices by XXXX XXXX XXXX  and Fay Servicing.

Immediate correction and proper application of all payments.

Removal of incorrect fees, suspense balances, and escrow charges.

Restitution for financial and emotional harm caused by the repeated mismanagement and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, XXXX XXXX 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 2025-07-15 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: TX

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXXXXXX XXXX Equifax XXXX XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Special Financing Company, LLC
State: LA

Complaint narrative:
I signed a agreement for a XXXX loan with this company in XXXXXXXX XXXX. This company is refusing to report the 15 on time payments to the credit bureaus. Even though they orginally told me they would report the payments once the entire loan was payed off. They dont want to offer me any hardship relief, and they refused to work somthing out with me when I filed a complaint with the XXXX. This company refinanced my loan to {$310.00} and still kept me at my orginal interst rate of 18 %. My XXXX score was a XXXX when I took out the loan. It was a XXXX when I refinanced. I was also charged 2 refinancing charges. Even though I only refinanced once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
b'My backup phone was stolen out of my vehicle on XXXX  It was in my backpack. I didnt discover my backpack was taken until later on that night and I also completely forgot that my backup phone was in there cause it wasnt my main phone. So when I realize my backpack was taken, I went and filed a report with the casino where it happened. Not noticing that my backup phone was in the backpack. So the next morning comes and I had cash still left from the casino that I need to put back in my cash app. So I went and deposited the cash I had from the casino back onto my cash app card. I paid a couple bills and I had XXXX left. So Im going on about my day and then I open my cash app and all my money is gone. Theres a new card linked that it was withdrawn to like a cross river bank or something. (This happened on XXXX) They change the phone number on the account and they change the email. so I merely try to go into removing those numbers trying to secure my account and then all of the sudden I get completely kicked out so whoever has my phone was able to get  me all the way locked out. So I started a new account to contact cash app then I finally am able to get back into the other account after a whole day waiting. And then they finally let me file a claim only to immediately deny it and say that everything looks like it was done properly and how it should even though there are so many obvious flags showing that its fraud. Based on, Ive never interacted with, sent to, received or use the phone number they put on there.  Nor the debit card or the email. I tried to dispute their decision. They just immediately denied me again without even really looking into it. Could you please help me get my money back? They even tried to request money from a couple of my contacts'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-15 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-15 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-15 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: NV

Complaint narrative:
I am filing this complaint against Experian for mishandling my recent credit report dispute that was mailed via USPS certified mail on XX/XX/year> to Experian, and received by Experian on XX/XX/year>. Experian closed my dispute and claimed it was a duplicate of a prior dispute, which is factually incorrect. 

I want to make it clear that my recent dispute is not a duplicate of my previous submission. In my most recent dispute, I : Included new documentation proving my identity. ( my first dispute did NOT include proof of identity documents ) Submitted a new dispute letter addressing specific inaccuracies found across credit bureaus. ( my first dispute referenced late payments, NOT inaccuracies ) Disputed only a SINGLE account. ( my first dispute referenced TWO accounts ) Provided supporting documents that were not submitted with my prior dispute. ( updated credit reports highlighting NEW and different inaccuracies ) These materials and the nature of my dispute make it a separate and new issue, not a repetition of any previous claim. Experian 's summary dismissal without proper investigation violates my rights under the Fair Credit Reporting Act. 

15 U.S. Code 1681i ( a ) states : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly... the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... or delete the item from the file ... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

I demand that Experian immediately reinvestigate my most recent dispute and delete the inaccuracies I have addressed. If this issue is not resolved in a timely and lawful manner, I am prepared to pursue legal action to protect my rights. 

I request the CFPBs assistance to ensure my dispute is investigated properly and that Experian complies with all applicable consumer protection laws.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, 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 explanation
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent
noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} million ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 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