vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
Fay Servicing began handling my loan in XX/XX/year>, I have not been able to speak to any English-speaking customer service representative, and I have received no meaningful response to my prior written or electronic inquiries. They do not have a consumer call line, only a collection line, again with non-English speaking persons. 

I have been charged a monthly recurring {$130.00} charge labeled as Recoverable Corporate Advance on my mortgage account, which began in XX/XX/year>, when Fay Servicing LLC assumed servicing of my loan. 

These charges have been posted every month without explanation, and I have not received any statement, itemization, or communication to justify them. I am current on my loan, the property is insured and occupied, and I have not received any notices related to legal proceedings, inspections, or force-placed insurance. 

These monthly charges have continued consistently for XXXX consecutive months, totaling approximately {$4800.00}. I have received no documentation, disclosure, or justification for these fees, and Fay Servicing has failed to respond to my prior inquiries. I am current on my payments, insured, and have no foreclosure or delinquency activity. These fees are unexplained and unjustified. 

In addition, My escrow account shows ongoing fluctuations and unexplained use of funds. I have requested documentation multiple times and have not received a clear escrow analysis or itemized history that accounts for how my property taxes and insurance premiums are being paid or calculated. 

I have been threatened with not having homeowners on several occasions and for a short time was being charged for insurance provided by Fay Servicing LLC. 

I received ONE letter from Fay Servicing LLC asking for the XXXX time why my escrow account is poorly managed and why my lump sum payment was not properly handled only to get a letter with typos and no explanation of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 consists of XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-09 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: CA

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not authorize these companies to access my credit file, nor did I apply for any credit with them. This is a violation of my rights as a consumer and is adding unnecessary stress to an already difficult situation.

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 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Was contacted via phone by ( XXXX ) XXXX on XX/XX/year>. Person on the phone claimed to be representative of XXXX, a company I purchased a backyard heater from via XXXX. I had contacted the company originally about ordering a replacement part. The gentleman on the phone stated they could not replace the part and instead offered a refund via XXXX. We exchanged XXXX information over the phone however he asked me to use the " send money '' function on XXXX. When I questioned why I would send them money I was assured that if I used the code they gave me, it would trigger a refund. Upon sending {$640.00} to the number provided, no such message appeared. I then told the person to return the money immediately, they said they did however I never received the money. I did report this incident to JP Morgan Chase and XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate personal information on my credit file. Two previous addresses are still being shown that are not accurate and should not be listed : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX and XXXX XXXX XXXX XXXX, XXXX XXXXt, FL XXXX. These addresses are incorrect and do not match my current legal residence. Reporting these addresses violates my rights under the Fair Credit Reporting Act. Under 15 U.S.C. 1681a ( 4 ), I have a right to privacy. Under 15 U.S.C. 1681b ( 2 ), no data should appear on my file unless I have provided written authorization, which I did not. Additionally, under 15 U.S.C. 1681e ( b ), TransUnion is required to maintain the maximum possible accuracy of the information it reports. These addresses fail to meet that standard and are harming my credit profile. My current and only valid address is XXXX XXXX XXXX, XXXX, NJ XXXX, and no other address should be listed. I am requesting a proper reinvestigation and removal of these inaccurate addresses from my 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 2025-07-09 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against Equifax Information Services LLC for failing to correct or remove inaccurate, outdated, and unverifiable information from my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite formally disputing these items, Equifax continues to report the following accounts that are either inaccurate, unverifiable, misleading, or obsolete. These entries have significantly impacted my credit profile and ability to move forward financially. 

Inaccurate, Unverified, or Improperly Reported Items on My Equifax Report : 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 Summary of Violations : Incorrect charge-off statuses ( e.g., accounts with {$0.00} balance still listed as charge-offs ) Obsolete data that should no longer be reported under FCRA 1681c ( a ) Unverified debts where no creditor has provided documentation upon request Accounts charged off during active hardship or communication with lenders Accounts reported without validation or proper consumer notice under FDCPA 809 Failure to correct false reporting after formal disputes under FCRA 1681i Personal Statement : I have faced extreme financial difficulty over the last few years due to health emergencies and job instability. I am working to rebuild my financial standing, but Equifaxs failure to remove outdated and unverified information is preventing me from moving forward. I submitted a detailed dispute with clear legal citations and personal explanations, yet they failed to take any corrective action or provide validation of the reported accounts. 

These continued violations of consumer rights are unacceptable. I respectfully ask the CFPB to hold Equifax accountable and help restore accuracy and integrity to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. 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 : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WESBANCO BANK, INC.
State: FL

Complaint narrative:
I sent a durable POA document to WesBanco bank in XXXX WV in XXXX of XXXX requesting access to my sisters checking account as she is in a XXXX home and does not have capacity. The request was denied as the person contacted at Wesbanco XXXX XXXX contacted my sister XXXX XXXX and asked her if she wanted the durable POA she had signed to be honored, she said no. Well of course she would she does does have capacity and has mental issues which prevent her from understanding issues at that point. In XX/XX/XXXX my sister in the XXXX home, XXXX XXXX began getting inquiries from the Social Security Administration about withdrawals from her checking account in XX/XX/XXXX which were quite large - {$30000.00}, I then provided the durable POA document again along with letters from the Doctor at the XXXX home indicating XXXX did not have capacity to make medical decisions for herself nor ANY financial decisions for herself going forward. I am still unable to get access to see monthly checking statements to provide the requested information to the Social Security Administration. I feel at this point there is some sort reason on the banks part to not allow access to this information, are they hiding something?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Also, the Bankruptcy Accounts from the other bureaus are now removed! You should also remove it from Experian! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-07-09 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
The same false information continues to appear on my credit record despite my repeated dispute letters to your organization. All information on my credit report must be 100 % accurate in accordance with the Fair Credit Reporting Act. Because these accounts do not report information that is 100 % correct, they are in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
l was the victim of a phishing scam via email. I received a message that appeared to be from XXXX, asking me to confirm a sale and add a card to receive payment. The email led me to a fake page where I entered a code that had been sent to my phone, believing it was to confirm a payment I was supposed to receive. 



Without realizing it, that code authorized a transaction from my Cash App account for {$1200.00} USD to a company called XXXX XXXX. At no point did I intend to send money I was tricked through a social engineering scam. I filed a dispute with Cash App and submitted evidence, but they denied it without providing a clear explanation. 



This was a clear case of fraud. I have already reported it to the FTC. I am seeking help because this transaction was made under manipulation and deception.

Company response to consumer: Closed with explanation