vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My loan was sold and my loan service provider changed to Select Portfolio Services, I received a supplemental tax bill which I immediately submit to my loan service provider. They indicated in XX/XX/XXXX that they would not pay any supplemental tax bills. We asked them to complete an escrow analysis and they told us we could submit the request in writing to a XXXX XXXX XXXX Utah. This was the first violation of RESPA. As we knew there was an overage in the account. I got them back on the phone and told them that they where in violation of RESPA XXXX for not accepting our request on the phone for a escrow analysis XXXX for not completing a escrow analysis within the first 45 days of servicing the loan XXXX for not completing a analysis in XXXX XXXX finally completed the analysis and yes confirmed that their is an overage of over {$9000.00} dollars which they are required to pay out to me as well as adjust the loan amount due. The adjustment per a month by {$890.00} dollars per a month but that would not happen to XX/XX/XXXX, again another violation as they delayed it by XXXX months. 

They told me that a check was cut on XXXX and then we where told XX/XX/XXXX on the phone to only find out that today XX/XX/XXXX they lied and no check has been cut! As they are claiming internal approval process. 


They have violated the law on XXXX separate occasions now and I still dont have my escrow overage!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding Experians continued reporting of inaccurate and unverifiable public record information on my consumer credit file. 

This same public record item has already been deleted by XXXX, confirming that the information is inaccurate and/or can not be verified. Despite this, Experian continued to report the item until I contacted them directly. 

On XX/XX/year>, I spoke with an Experian representative named XXXX, who confirmed that the item will be removed from my Experian credit report. However, due to Experians prior failure to ensure maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ), I am submitting this complaint to ensure compliance and documentation. 

Experian previously indicated that additional documentation such as an expunge letter may be required, despite the fact that : XXXX has already deleted the same item The information is inaccurate and unverifiable Under FCRA 611 and 607 ( b ), unverifiable or inaccurate information must be deleted, not conditioned on additional burdens Experians continued reporting caused harm, confusion, and unnecessary delay in correcting 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Early warning services bought sold and traded my personal information for monetary gain without out my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-26 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: IN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: MIDFIRST BANK
State: PA

Complaint narrative:
I am filing a complaint regarding a post-closing escrow refund being improperly withheld by Midland Mortgage. 
The property securing the mortgage was sold and closed approximately XXXX week ago. Following the sale, Midland Mortgage issued an escrow refund check payable to The XXXXXXXX XXXX XXXXXXXX XXXX and mailed it to me.

Midland Mortgage has listed me as the successor on the account and identified me as responsible for post-death matters, including property taxes, and authorized me to complete the sale.

Despite this, Midland Mortgage is now refusing to release or reissue the escrow refund, stating that because there are multiple siblings, they require additional proof that I am the successor. Midland has been unable to explain what documentation they require or how I could obtain such documentation given that the estate was handled informally and there was no probate or estate account.

The property has already been sold and title transferred. This is a post-closing escrow refund, not a property ownership issue. Midland Mortgage has already identified me as successor and issued the refund, yet is now withholding the funds based on criteria that are impossible to satisfy.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
Ive contacted you several times, your response was you would email me with a resolution that has never arrived. Another year, is approaching and I am still waiting for the issue to be resolved. Ive given you time and time again the information showing deposits, amounts, and dates as well as my cash tag for my account. Being more than patient with Cash App and becoming more and more frustrated with this situation. You have shown no effort in resolving this. You have been holding XXXX of my direct deposits. Again i have lost everything because you dont understand the situation or simple dont care. My cash tag again is XXXX and again I NO LONGER HAVE ACCESS TO THE ASSOCIATED EMAIL OR PHONE NUMBER ASSOCIATED FOR THE ACCOUNT please respond to this matter by email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Block, Inc.
State: VA

Complaint narrative:
I put XXXX dollars on my cash app to pay XXXX XXXX and the payment went through in my old bank account but the money was left on.my cash causing me to overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME. I HAVE NO AFFILIATION OR RESPONSIBILITY FOR THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Barrett Financial Group, L.L.C.
State: NJ

Complaint narrative:
I am filing this complaint regarding negligent underwriting and misleading mortgage brokerage practices by Barrett Financial Group, LLC. 

XXXX XXXX XXXX issued a written mortgage pre-qualification confirming financing availability at approximately XXXX percent down, with my own funds. XXXX was acting as a mortgage broker and represented that the loan was viable for placement with its funding partner, XXXX XXXX XXXX. Based on that representation, I entered a binding residential purchase contract in Arizona and incurred reliance costs including XXXX money, appraisal authorization, and credit inquiries. 

After contract execution and after I relied on XXXX  representations, XXXX reversed its underwriting position and stated that the originally represented financing could not be funded. This reversal occurred inside my inspection and financing election window, creating immediate contractual risk. 

To mitigate damages and preserve my XXXX money before the election deadline, I timely exercised the contracts financing-failure provision. That action was taken solely due to XXXX reversal and under time pressure created by XXXX conduct. 

XXXX  issuance of a pre-qualification that was not properly vetted against the actual underwriting standards of the lender it selected constitutes negligent misrepresentation and deceptive conduct. The reliance was foreseeable, and the harm was directly caused by XXXX conduct. 

I formally demanded corrective action from XXXX, including funding the loan on the originally represented terms or a materially equivalent structure. XXXX failed to respond by the stated deadline. 

I am requesting CFPB intervention to require XXXX XXXX XXXX to cure its underwriting error through loan funding or to provide make-whole remediation for the damages caused by its conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I had XXXX credit cards with synchrony bank. XXXX different credit cards. XXXX with CareCredit XXXX with XXXX XXXX with XXXX and XXXX with XXXX. On XX/XX/year> I noticed that my XXXX synchrony card was closed for no reason. I have a {$20000.00} balance and I pay it off every single time never had a late payment. I then want to check my other credit cards and realize that every single XXXX of my synchrony credit cards have been closed. There was no reason given to me and no notice about this closure. I called XXXX synchrony card and they told me that I was high risk of not paying back, which XXXX  make sense because I always pay my credit card off. I then called XXXX synchrony card and they told me the same thing and that they didnt really know why it was closed, but that they do annual or quarterly reviews and deemed it necessary to close my accounts and gave me the choice of calling each credit card individually, even though theyre all ran by synchrony bank XXXX and they all kept giving me the same reasons. They can not tell me why my credit cards were closed when I am in good standing and never had a late payment with any of my credit cards. This is ridiculous that they do this to people out of nowhere with no notice and no real reason.

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 2025-12-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XX/XX/year> XXXX Experian Legal P.O. XXXX XXXX XXXX, tx XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account currently being reported on my consumer credit file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

I dispute this account in its entirety. I never provided written authorization or consent to XXXX XXXXXXXX XXXX to furnish, obtain, or report any personal or consumer credit information regarding me to your agency. Furthermore, I never granted permission for my personal identifying information to be accessed, shared, or reported in connection with this 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 2025-12-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have XXXX IRA CD accounts with Citibank and my CDs were matured on XX/XX/XXXX and XX/XX/XXXX. I requested Citibank to transfer my funds to XXXX XXXX since XX/XX/XXXX. I have called Citibank more than XXXX times for the status, but as of today, XX/XX/XXXX, Citibank has not transferred my funds to XXXX XXXX  yet.

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 monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UMB FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for The XXXX card credit card. Immediately I was notified of a hard credit check. I received an email that my application was being reviewed. I went on to read the email further and clicked to check status after going through the process is showed 85 % complete. I called the XXXX number on XX/XX/XXXX as every time I logged in it showed 85 % pending. The person that answered the phone asked for my application number and kept placing me on hold. When she came back on the line she said she couldn't find my application she then asked for my submission number and couldn't find that either after putting me on hold over for 31 minutes she said the system was down and to call back. I called back on XX/XX/XXXX and went through the same thing for another 15 minutes. On XX/XX/XXXX I received an email from my bank saying that I requested a new replacement credit card. I don't know if it's connected but I had to change all my back info with special passwords. I also called the credit bureaus notifying that without all the security information to not run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: DC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: WI

Complaint narrative:
Failure to Reinvestigate ( 1681i ) : The bureau has ignored its statutory duty to conduct a reasonable reinvestigation within 30 days. Instead, it has recycled the same unverifiable tradelines without competent proof. I have reason to believe reasonable procedures were not followed to ensure accuracy. My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). even I disputed this multiple times.

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 2025-12-26 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: TX

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