vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: WA

Complaint narrative:
I am filing this complaint against my mortgage servicer due to their negligent mishandling of my escrow account and refusal to reimburse me for interest that accrued as a result of their failure to pay my XXXX property taxes in full and on time. 
Throughout XXXX, my mortgage company held an escrow account on my behalf and was responsible for making my property tax payments to XXXX XXXX, Washington. Despite me making regular monthly mortgage payments which included escrow funds, they failed to send the full amount owed to XXXX XXXX for the XXXX tax year. 
From what I later confirmed through the XXXX XXXX XXXX XXXX, the mortgage company sent half of a half payment in both XXXX and XXXX of XXXX approximately {$900.00} each time. XXXX XXXX does not accept partial payments for property taxes and therefore could not apply either of the XXXX payments. They attempted to contact the mortgage company repeatedly to obtain the remainder needed to apply any payment at all but received no response. 
Because of this, no payment was applied for my XXXX taxes during the time my escrow account was active. As a result, interest began accruing in XXXX and continued through early XXXX. 
In XX/XX/XXXX, unaware of this issue, I closed my escrow account. A few months later, I received a delinquent tax statement from XXXX XXXX showing that none of my XXXX taxes had been paid and that I owed {$3600.00}, including {$290.00} in accrued interest. I had to pay the full amount out-of-pocket in XX/XX/XXXX, which included all the interest your company caused by failing to pay on time. 
When I contacted the mortgage company, they initially took over 30 days to respond, despite the urgency of the situation. Eventually, they agreed to reimburse me for some of the interest but only sent a check for {$150.00}. They refused to reimburse the remaining {$140.00}, wrongly claiming that this was a penalty related to XXXX taxes, and that they were no longer responsible because my escrow account had been closed in XXXX. 
This explanation is inaccurate and misleading. The interest amount of {$140.00} was paid in XX/XX/XXXX, yes but it was interest accrued on unpaid XXXX taxes during the time the mortgage company held and mismanaged my escrow account. 
I have provided the company with XXXX XXXX tax statements, payment receipts, a written explanation from the XXXX XXXX, and offered multiple times to get on a phone call with them and the county to clarify. They have ignored the countys documentation, misinterpreted the receipts, and now outright refuse to take responsibility for the full amount of interest they caused. 
I am requesting that the mortgage company reimburse me for the remaining {$140.00} in accrued interest that I had to pay out-of-pocket due to their failure to pay my XXXX property taxes while my escrow account was active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NJ

Complaint narrative:
Notice of Intent to Sue ( Identity Theft and FCRA Violation ) XX/XX/XXXX Via Certified Mail and Email To : XXXX XXXX XXXX XXXX 
Customer Advocacy Department [ XXXX ] ( XXXX ) XXXX TransUnion LLC Consumer Relations P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Notice of Intent to File Legal Action for Violations of the Fair Credit Reporting Act ( FCRA ), Section 605B Dear XXXX, XXXX and TransUnion : I am writing to formally place you on notice of my intent to initiate legal proceedings under the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., unless immediate corrective action is taken within 15 days of receipt of this letter. As previously documented in my disputes and CFPB complaint ( XXXX XXXX. XXXX ), I am the victim of identity theft. I submitted a valid identity theft report ( including an FTC Identity Theft Affidavit and supporting documentation ) requesting the blocking of fraudulent information associated with an account ( XXXX  loan ending in XXXX ) under FCRA Section 605B. 

Despite my providing the required information, XXXX XXXX XXXX and TransUnion have failed to block the fraudulent account within four ( 4 ) business days as required under federal law. 
Instead, XXXX erroneously conducted a standard dispute investigation under Section 611, which does not apply to identity theft block requests under Section 605B.

Your continued reporting and failure to block this fraudulent information constitutes a clear violation of the FCRA, specifically Sections 605B and 623, and has caused substantial harm to my creditworthiness, financial standing, and peace of mind.

Accordingly, I hereby demand the following : 1. 2. Immediate removal and permanent blocking of all fraudulent information relating to XXXX  loan from all consumer reporting agencies. 

Written confirmation of the deletion and blocking within fifteen ( XXXX ) calendar days of receipt of this letter. 

If you fail to comply, I am prepared to file a lawsuit seeking actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, attorneys ' fees, and court costs, as permitted under 15 U.S.C. 1681n and 1681o. Additionally, I reserve the right to file additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state Attorney Generals office, and to seek broader relief for noncompliance. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Attachments : FTC Identity Theft Report Proof of Identity Proof of Address Prior Dispute Communications CFPB Complaint and Response

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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-09 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXXXX/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 2025-06-09 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: FL

Complaint narrative:
I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: CO

Complaint narrative:
I previously disputed a XXXX XXXXXXXX XXXX XXXX  XXXX account with all three credit bureaus. XXXX  initially said the account was " verified and updated '' on XX/XX/year>, but has since removed it entirely from my credit report as of XX/XX/year>. 

Equifax ( or Experian ) continues to report the account with a {$0.00} balance and remarks that it was " Purchased by another lender. '' However, the debt was sold to XXXX XXXX, who is now reporting it separately. 

I requested that the bureau verify the accuracy of the account and provide documentation supporting continued reporting by XXXX after the debt was sold. I received no supporting evidenceonly a response stating it was " verified. '' This is duplicate and misleading reporting, which violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 ( a ) and 611. The original creditor can no longer report a charge-off after selling the debt. XXXX  has already corrected this. I am requesting that this bureau delete the account entirely for accuracy and consistency. 

Supporting documents attached include : - My XXXX  dispute result ( dated XX/XX/year> ) - My most recent XXXX  credit report ( dated XX/XX/year> ), which no longer includes the XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/year> a unauthorized transaction was made on my account for XXXX at Bank of America XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX which is permanently closed. I immediately placed a fraud claim on XX/XX/year> which was denied on XX/XX/year> stating it was authorized. I requested reconsideration for my claim on XX/XX/year> which was also denied on XX/XX/year> although my drivers license number doesn't match the license number Bank of America has on file for this transaction. I also haven't received any documentation concerning this transaction at my request on XX/XX/year> as of 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 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: IL

Complaint narrative:
I deposited a {$390.00} check from the XXXX XXXX XXXXXXXX program ( a government-issued check ) into my Cash App account on Sunday, XX/XX/year>, at XXXX Per federal Regulation CC, funds from government checks should be available by the next business day, which is today, XX/XX/year>. Cash App never informed me of any delay upfront, but today they told me the funds wont be available until Thursday, XX/XX/year>, because theyre waiting on the states bank. They couldnt give me a valid reason or a written notice for the hold when I asked. I contacted support via chat starting at XXXX today, requesting clarification and a supervisor, but they gave automated responses and stopped replying after XXXX. I called at XXXX, and they confirmed the delay but offered no details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-06-09 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX  XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$39000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This company was disputed on TransUnion and then was closed on XX/XX/year> due to falsely reporting when account was opened in order to avoid statute of limitations regarding debt. Received a call regarding yesterday from unknown phone identifying as XXXX XXXX XXXX XXXX formerly XXXX. Then have took account out of closed status and have reopened to report as debt on my credit after Trans union investigated and closed the account.

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 2025-06-09 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: MD

Complaint narrative:
RE : Complaint ID : XXXX Subject : Failure to Properly Investigate XXXX XXXX XXXX Equifax Reporting I am submitting this follow-up because Equifax failed to conduct a proper investigation of the disputed account from XXXX XXXX XXXX. Their response states that the account was " verified '' and " updated with additional information, '' yet no documentation was provided to support the accuracy or ownership of the debt. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, a credit bureau must conduct a reasonable investigation and provide the method of verification, which includes furnishing supporting documentation when requested. 

To be clear : Equifax did not provide any original documentation such as a signed contract, billing statements, or a purchase agreement from XXXX to prove this debt belongs to me or XXXX. 

Their repeated statement that the item was verified without producing evidence is not acceptable under the FCRA. 

Equifax has been sued in the past for similar investigations where no actual verification occurred this shows a pattern of behavior. 

This inaccurate item is causing financial harm, stress, and credit denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: LA

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$20.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$370.00} AFFIRM XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14.00} Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX Date : 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 explanation