vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Movement Mortgage LLC
State: WA

Complaint narrative:
I am submitting a formal complaint regarding Movement Mortgage and their mishandling of both the closing process and subsequent escrow account servicing for our recent home purchase in XXXX, Washington in XX/XX/year>. This complaint includes multiple failures that have directly resulted in financial XXXX and administrative XXXX and which I believe merit immediate regulatory review. 

XXXX. Failure to Timely Pay Property Taxes Our first-half 2025 property taxes were due by XX/XX/year>, per XXXX XXXX requirements. 
Although Movement Mortgage retained responsibility for our mortgage until XX/XX/year>, they did not submit payment at all. The missing payment was discovered by our new servicer, XXXX, who made the payment on XX/XX/year>, XXXX weeks after the due date. 
This resulted in penalties and fines being levied against our mortgage, despite the funds having been included in our XXXX closing escrow payments. 
No notification was provided about this delay, and I only became aware after receiving a delinquency notice from XXXX XXXX. 

XXXX. Errors and Oversights During Closing During the XX/XX/year> closing process, Movement Mortgage failed to ensure accurate filing of key documents, including : Incorrect mailing address on file with XXXX XXXX for tax billing purposes, resulting in critical tax information not being delivered to us in a timely manner. 
Mislabeling of borrower names in several portions of the closing packet, which required correction post-closing. 
Missing signatures of critical documents, calling in to question the validity of our loan and home ownership rights. According to the XXXX XXXX, without those documents, we should never been allowed to sign or take possession of the home. We were XXXX XXXX these documents after closing, to the wrong address as well. 
Delayed submission of mortgage records to XXXX XXXX recorders office, creating confusion with ownership and mortgage verification systems. 
Inadequate communication regarding escrow allocations and lack of visibility into how funds were being applied. 
These compounding issues reflect poor internal quality control, a lack of accountability, and systemic process failures. 

I respectfully request the investigation Movement Mortgage for : XXXX. Negligent servicing of escrow accounts, resulting in missed tax deadlines and borrower penalties. 
XXXX. Improper or incomplete closing document preparation and filing, which impacted our legal and financial records. 
XXXX. Lack of timely communication or resolution regarding these failures. 
XXXX. Potential non-compliance with Washington XXXX lending and servicing obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XX/XX/year> To the Consumer Financial Protection Bureau, I am filing this complaint to request your assistance in correcting inaccurate and outdated personal information on my credit report maintained by Experian. 

I have legally changed my name, and my correct and legal name is XXXX XXXX with no middle name, no second last name, and no other aliases. In support of this, I submitted a letter to Experian on [ insert date ], which included : A copy of my government-issued drivers license A certified court order of my legal name change A copy of my updated Social Security XXXX XXXX bank statement showing my correct name and current address Despite submitting all required and official documentation, Experian has XXXX to respond or make the necessary updates. As a result, my credit report still includes incorrect names and aliases that do not belong to me. This is not only inaccurate but XXXX also cause confusion and damage to my financial standing. 

I am requesting that the CFPB intervene and ensure that : My credit report reflects only my correct legal name : XXXX XXXX All other names, aliases, or variations are permanently removed Experian complies with the Fair Credit Reporting Act ( FCRA ) by maintaining accurate and complete information I am happy to provide copies of my legal documents again if needed. Please assist me in resolving this matter promptly. Thank you for your time and support. 

Sincerely, 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 2025-06-06 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: AZ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial XXXX and has taken a XXXX XXXX XXXX XXXX XXXX  Dealing with these inaccurate entries has been XXXXXXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2025-06-06 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: PA

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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

Complaint narrative:
XXXX incredibly XXXX to see an XXXX inquiry on my credit report this morning. I review my report regularly, and this just appeared without warning. I refreshed my browser thinking it might be a glitch, but the issue remained. I need this looked into immediately, and I urge you to carefully review the documents I sent so I wont have to go through this again.

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 2025-06-06 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:
b'I was a victim of identity theft, and this is another request\nto remove the information from my credit file resulting from\nalleged identity theft. Per FCRA  605B (15 U.S.C.  1681c-2)\nCREDIT BUREAUS are required to remove any items not later\nthan 4 business days after receipt. Also, the information\nprovided on some items is UNKNOWN to me and REMOVED\nfrom other bureaus, and I have doubts about their accuracy.\nXXXX XXXX XXXX XXXX, CA XXXX XXXX\nXXXX 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 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I discovered an unauthorized inquiry on my credit report today, and XXXX extremely XXXX because I dont know where it came from. I check my credit regularly and this wasn't there before. I tried refreshing everything, hoping it was just a tech issue, but it stayed the same. XXXX demanding that the documents I submitted be reviewed thoroughly right away so this can be resolved once and for all.

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 2025-06-06 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding an unresolved credit reporting issue with Equifax. I, XXXX XXXX, discovered that Equifax continues to report a derogatory account from XXXX XXXX XXXX ( Account No. ending in XXXX ) despite the fact that this account was officially removed by XXXX  on XX/XX/year>, following a reinvestigation and validation failure ( see attached evidence ). 

This inconsistency among the major credit reporting agencies is materially impacting my XXXX score and credit reputation. Equifax has not updated or removed the erroneous item, even after a formal dispute was initiated. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure data accuracy and conduct timely investigations.

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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

Complaint narrative:
This morning, I discovered several inaccurate accounts listed on my credit report, and XXXX unsure how they appeared. I routinely check my report, but this time, unexpected discrepancies caught my attention. I even refreshed the browser thinking it might be a technical error, but the incorrect accounts remained. Given this situation, I kindly request that the documents I submitted be reviewed carefully to resolve this once and for all.

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 explanation
Consumer complaint received 2025-06-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
Please understand, this complaint is genuine. There are inaccuracies on my credit report that are causing real XXXX XXXX XXXX XXXX. These are difficult times, and the ongoing XXXX effects are more than I can put into words. I would be deeply grateful if these errors could be verified and removed or corrected as needed.

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 2025-06-06 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: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear explanation of the reinvestigation process. Specifically, I asked for details regarding the steps taken to verify the disputed information, the name, address, and telephone number of the data furnisher, and any documentation used to justify the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This lack of disclosure violates the FCRAs requirements for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys failure to comply may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may subject it to civil liability.

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 2025-06-06 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: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Reference : XXXX Credit Limit : {$3100.00} Bank of America reported this account as XXXX  days late in the month statement for XXXX. My payments have never been late. Please have them remove this late payment they reported to XXXX XXXX XXXX XXXX XXXX because it is a XXXX reflection on my credit report and is 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 2025-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
I received a email saying my account was close and to call them at the time on XXXX XXXX I had over {$930.00} in my XXXX  account through chime ( My pay checks are direct deposited into checking account through chime and then I have it automatically set up through chime to go into my chime credit builder account. So I tried to go to the app and it wouldn't let me log in or access my personal info at all.So i called the number the email gave me and after holdi g for about 1 hour i spoke with XXXX and ask them what was going on he put me hold a while then came back to say basically that XXXX XXXX  closed my account and he doesn't no y or doesn't even have access to see anything or amounts .So I asked him to speak with supervisor. I was on hold 20 more mins then he gets back ands says no supervisors are worki g today .So i asked him how i get my money back or if they can d irect drposiXXXX to my other account i have with another bank and he said no .and that it would go bsck to sender. The money has been in there awhitle so i asjed him how long it takes and basically he foesnt know y or how and he said theres no other departments thst. An help me, so i asked how is this legal .I explain that I use the money to help pay for my husband 's XXXX and I need access to my money or someone who can tell me something. Also I've also been good with my account the XXXX department even offered me more credit 2 weeks ago if I needed XXXX It was raised to XXXX however I haven't had to use it in about 5 weeks.I k ow my balance is over {$900.00} .I 'm in dire need to have access to my money .He also said if my employer send another check through it won't be accepted since it's closed. the man told me it's still my money but doesn't no how much us there or how I can get it or how lo g it'll take .and also told me Noone there can answer that .So he gave me a number for stride bank after me asking g for it since he says they are the ones who closed it.I called XXXX and they tried to connect me to same people and says they don't have no info either and gave me a email and she says they go in order received .. I work hard I should have access to my pay c check and I should watch my husband die becuz of chime or XXXX taking my money and not giving me access to it .. I looked online and apparently this is common, so now I'm faced with a possibility liss of my husband and my rent or electric can't be paid either becuz my next paycheck is due to be direct deposited tomorrow so I won't have enough time to inform them of change of direct deposit account number from my other Che ki g account so now My families in big trouble I also couldn't by supper tonight or gas .Please help!! 


Who

Company response to consumer: Closed with monetary relief