vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom : UNITED WHOLESALE MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Explanation and Adjustment of Increased Monthly Mortgage Payment Due to First Flood Insurance Unpaid Issue Dear XXXX Customer Service, I am writing to request clarification and assistance regarding the recent increase in my monthly mortgage payment, which unexpectedly XXXX from {$2500.00} to {$3000.00}. 

I understand that changes in escrow balancessuch as property taxes or insurance premiumscan affect monthly payments. However, in this case, the increase appears to have been caused by UWM not paying my previous flood insurance renewal on time ( XXXX XXXX, XXXX # XXXX ), which led to the policy lapse and replacement with a more expensive lender-placed insurance policy. 

Please note : I am attaching a copy of the email from my original insurance agent and Invoice from XXXX XXXX, confirming that the flood insurance policy was not renewed specifically because UWM failed to make the payment, despite everything being set up for escrow handling. This was not due to any inaction on my part.

After discovering this, I had to find a new flood insurance provider myself, and was able to obtain a new policy with a significantly lower annual premium of {$760.00} ( attached new policy also ). Based on this, I expected my monthly mortgage payment to remain the same or even decreasenot increase. 

Given that the increase in payment occurred through no fault of my own, I kindly request the following : XXXX. A detailed explanation of the reasons behind the payment increase, including an escrow breakdown. 

XXXX. Confirmation of any insurance amounts used in the calculation. 

XXXX. A full review and adjustment of my mortgage payment back to the original amount of {$2500.00}, as the more expensive insurance was added due to UWMs mistake, not my. 

Please let me know if any additional information or documentation is needed from my side to resolve this issue. 

I appreciate your time and assistance in correcting this matter and look forward to your prompt response. 

Sincerely, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
I am submitting this memo to formally dispute inaccurate reporting by XXXX and XXXX XXXX on my credit reports. Both creditors have listed charge-off entries dated XX/XX/year>, which I believe to be incorrect and misleading, as I have been actively making payments toward these accounts. 

Details : Creditor Names : XXXX and XXXX XXXX Reported Issue : Charge-offs listed on credit reports for XX/XX/year> My Position : I have not ceased making payments. Payments have been consistently made leading up to and throughout XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
I am filing a formal complaint against Experian and XXXXXXXX XXXX XXXX regarding a tradeline that was previously removed from my credit report and has now been reinserted without any required notice under FCRA XXXX ( a ) ( XXXX ) ( B ). The account contains severe and repeated factual inaccuracies, including monthly charge-off notations for nearly four years, re-aging of delinquency dates, contradictory payment history, and the false assertion that the account was verified despite no reinvestigation after reinsertion. These practices are misleading, illegal, and have been the subject of over 40 disputes over the past four years all of which have been ignored or improperly verified. This conduct violates multiple provisions of the Fair Credit Reporting Act, FDUTPA ( Florida law ), and established federal case law. I am preserving my right to seek civil damages under FCRA 616 and 617 for willful and negligent violations, totaling $ 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 2025-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent Outsourcing is reporting a collection account that appears to be the same debt already reported by XXXX XXXX XXXX XXXX. Both accounts show nearly identical balances, but list different original creditors. 

This has resulted in duplicate reporting of the same debt and confusion about who actually owns it. I have a fraud alert on my credit file, and I do not recall authorizing or owing this debt. 

I have attempted to dispute the debt, but there has been no proper validating or correction, and it is still damaging my credit. The reporting appears inconsistent and possibly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NC

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the XXXX period required by law. This failure to provide the requested details constitutes a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  MN XXXX XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Re : Request to Cease Reporting Inaccurate Debt CFPB Complaint Notice To Whom It May Concern, This letter serves as a formal dispute and demand to cease reporting of a negative item you have placed on my credit report. This inaccurate and unverified debt has significantly harmed my credit standing and is directly impacting my ability to obtain housing for myself and my family. 

You are currently reporting a debt to the credit bureaus without having provided any prior notice, validation, or consent, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2.

According to 15 U.S.C. 1692g ( a ), a debt collector is required to provide a consumer with a written notice of the debt within five days of the initial communication. No such notice was ever provided to me. Further, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information to a consumer reporting agency must not report any information relating to a consumer that is knownor has reasonable cause to believeis inaccurate.

In addition to these statutory violations, your failure to provide me with proper notice and opportunity to dispute the debt violates established case law, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) emphasizing the requirement that debt collectors follow the procedural mandates of the FDCPA. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) which held that a collector must stop collection efforts when a debt is disputed and can not continue to report the debt without verification. 

You have also failed to provide proof that I have any legal obligation to this alleged debt. Without proper validation and my express consent, the reporting of this item is unlawful, deceptive, and constitutes willful noncompliance under 15 U.S.C. 1681n, which may entitle me to actual damages, punitive damages, costs, and attorney fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: MI

Complaint narrative:
I am filing this complaint for failure to adequately validate a debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and for continuing to report unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>2025 I submitted a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the FDCPA. In response, the company only verified my name and address but failed to provide any substantive evidence that the debt belongs to me. Specifically, they did not include : A copy of the original signed contract or agreement ; A detailed account history showing how the alleged amount was calculated ; Proof that they are legally authorized to collect the debt. Under the FDCPA, a debt collector is required to cease collection efforts until they provide proper validation of the debt. Under the FCRA ( 15 U.S.C. 1681s-2 ( b ) ), a furnisher of information is also required to conduct a reasonable investigation when a consumer disputes the accuracy of any information reported to credit bureaus. Simply confirming identity details like a name or address does not meet the standard of a reasonable investigation or proper debt validation. Despite my dispute, this company continues to report this unverified debt to the credit bureaus, damaging my credit profile and violating both federal laws. I am requesting that the CFPB : 1. Investigate this company for failing to properly validate the alleged debt ; 2. Enforce compliance with FDCPA and FCRA guidelines ; 3. Require the company to remove the unverified debt from my credit report until proper validation is provided ; 4. Ensure that no further collection activity occurs until the debt is fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am requesting the immediate deletion of the PayPal credit card account reporting on my credit file, as it has been over 7 years since the date of first delinquency ( XX/XX/XXXX ). Under the Fair Credit Reporting Act ( FCRA 605 ( a ) ( 4 ) ), negative information such as charge-offs or collections must be removed 7 years after the XXXX. 

This account has now been on my credit report for nearly 9 years and 11 months, well beyond the legal reporting limit. I am requesting : Immediate deletion of the outdated PayPal account from all credit bureaus.

A written confirmation that the account has been removed.

An internal review to ensure compliance with FCRAs 7-year rule on all future reporting. 

Failure to remove time-barred accounts violates federal law and misrepresents my credit profile. I respectfully request this be resolved promptly. 

This account ( PayPal/Synchrony ) became delinquent on or before XX/XX/XXXX, and should have been removed by XX/XX/XXXX. I am requesting it be deleted immediately as it exceeds the 7-year reporting period under FCRA 605 ( a ) ( 4 ).

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 2025-07-24 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:
On XX/XX/scrub> 2025, I filed CFPB Complaint ID # XXXX against TransUnion LLC regarding 16 unauthorized soft inquiries listed on my TransUnion credit report dated XX/XX/scrub> 2025. 

These inquiries were from companies such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and othersnone of which I had any active accounts or authorized relationships with. 

I explicitly requested that TransUnion : Provide documentation showing permissible purpose for each inquiry under FCRA 1681b ( f ), and Delete any inquiries that could not be verified. 

As of XX/XX/scrub>, 2025, more than 30 days later, TransUnion has failed to respond adequately or provide any documentation. This failure violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( f ) : No proof of permissible purpose provided for third-party access 15 U.S.C. 1681e ( a ) : Failure to maintain reasonable procedures to prevent unauthorized access 15 U.S.C. 1681i ( a ) : Failure to complete a reinvestigation within the required 30-day window As a result of these unauthorized inquiries and TransUnions failure to address them, I have been denied new credit applications and subjected to unfavorable terms due to the negative perception of excessive inquiries. This has caused both financial and reputational harm. I am escalating this issue to seek enforcement action and financial relief.

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 2025-07-24 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: CA

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 - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2025-07-24 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Ive been using two American Express cards for the past 25 years. Recently, I had a legal name change and mailed American Express my government-issued ID along with the official name change documents. In response, they issued a new card with my updated name. 

However, when I tried to activate the new card, I was informed that both of my cards had been deactivated due to suspected fraudulent activity. Shortly after, I received replacement cards via XXXX. 

Then, I got a message from American Express asking whether I had requested a replacement card. I replied that I had not made such a request. I spoke with several representatives, and each gave me conflicting explanationssome said the XXXX XXXX alone needed to be replaced due to the name change, while others offered different reasons. It became clear that no one could give me a consistent or accurate explanation for what was happening. 

It feels like the representatives are either misinformed or intentionally withholding information. No one explained why my cards were deactivated or whether there were signs of unauthorized use. In fact, over the past year, Ive received five different replacement cards without clear justification.

Im increasingly concerned that there may be a deeper issuepossibly involving identity theft or fraudulent use of my accountthat American Express is not disclosing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S, C { 1681c-2 ) that you the 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 consist of loan, credit card auto loan

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 2025-07-24 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S, C { 1681c-2 ) that you the 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 consist of loan, credit card auto loan

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 2025-07-24 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate removal and blocking of all fraudulent and unauthorized accounts and inquiries currently listed on my credit report, as required under Section 605B of the Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft and have already submitted a report to the Federal Trade Commission ( FTC ). This letter accompanies that report and supports my claim that I did not authorize or initiate the following accounts or hard inquiries.

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 2025-07-24 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: GA

Complaint narrative:
Equifax failed to remove the XXXX XXXX XXXX  XXXX XXXX account despite a certified dispute and no validation being mailed by the furnisher. The account was later removed from other bureaus but remains on Equifax with no payment history or balance, which is misleading and inaccurate. 



Details : Certified dispute mailed to Equifax on XX/XX/year>2025, requesting validation of a XXXX XXXX XXXX  account XXXX 

No validation or written response was received from the furnisher. 

The same account was already deleted by XXXX  after similar disputes.

Equifax is now reporting it as Paid but showing no payment history, no balance, and no activity, which implies its unresolved but inactive.

This violates : FCRA Section 611 No proper investigation was conducted.

FCRA Section 623 Furnisher failed to verify or validate ; Equifax failed to ensure accuracy. 

Equifax should not be reporting an unverifiable account in any form. 




Provide confirmation that the account will not be re-reported unless full validation is provided.

Company response to consumer: Closed with explanation