vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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 FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Regarding Mortgage Servicer 's Failure to Pay Property Taxes To Whom It May Concern, I am writing to file a formal complaint against my mortgage servicer, United Wholesale Mortgage, due to their failure to pay my 2024 property taxes despite regular monthly mortgage payments that included escrow funds designated for this purpose.

My mortgage agreement includes an escrow account, from which the lender is responsible for disbursing payments for property taxes and homeowners insurance. I have made all required payments on time ; however, I was recently notified by the Tax Collector of XXXX XXXX, Florida, that my XXXX property taxes remain unpaid. As a result, I am now facing penalties and late fees, which are not only unjust but entirely avoidable had the servicer fulfilled their responsibilities. 

I have contacted United Wholesale Mortgage multiple times since XX/XX/XXXX, through emails to XXXX and live chat, but the issue remains unresolved. I have not received a clear explanation or action plan from the lender, nor have I been provided with the appropriate escrow statements that would account for the withheld funds. 

This failure to act on the part of United Wholesale Mortgage represents a serious breach of contract and has placed me at risk of financial harm and potential tax lien actions.

I respectfully request that the CFPB investigate this matter and urge the mortgage servicer to : Immediately pay the outstanding 2024 property taxes and any associated penalties ; Provide a full escrow account statement ; Explain the cause of the oversight and measures taken to prevent recurrence.

Attached are relevant documents, including payment records, tax notices, and correspondence with the lender.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX Fl XXXX

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: Experian Information Solutions Inc.
State: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Request for Deletion of Sold Collection Account FCRA & FDCPA Dispute Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Amount : {$720.00} To Whom It May Concern, I am writing to dispute the accuracy and validity of the above-referenced collection account currently listed on my Equifax credit report. According to my records, this account was sold to a third-party debt buyer. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request verification and proper documentation of this account. 

Once a debt has been sold, the original creditor ( XXXX XXXXXXXX XXXX  in this case ) should report the account as sold or transferred and with a zero balance. If the new collector is reporting the account, they must provide full documentation verifying their legal authority to do so. 

Therefore, I request that Equifax : Immediately investigate this account and provide documented verification of the debt. 

Delete the account from my credit report if full documentation and ownership records are not provided within 30 days. 

Send me a written statement of the results of your investigation. 

Attached are copies of my government-issued ID, proof of address, and a copy of the credit report with the disputed account clearly marked. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MS

Complaint narrative:
Chime has repeatedly denied my disputes on transactions over the years. I have provided adequate evidence that includes messages from the merchants themselves showing they acknowledged selling me faulty products. I disputed 2 items recently. One the seller sent me a counterfeit XXXXXXXX XXXX and in the messages admitted to them sending lower quality products because of tariffs. Chime denied this and its getting to the point where I am realizing theres no true investigation or an intellectual human being looking at these disputes. 

The second dispute is still pending but chime keeps asking for information that I already provided. Asking me if I returned the item when I stated that the seller stopped responding to my messages after they lied about the product. I provided screenshots of this as well but Chime keeps asking for the same details. 

After this month, Im not banking with Chime because they obviously dont do ANYTHING to protect their customers from shady practices and they do everything to protect sellers who steal from their customers.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
On XX/XX/year>, my Capital One 360 checking account was closed due to alleged suspicious activity. It has been 15 days since then and I have not received any formal explanation or timeline regarding the release of my funds. The total balance in the account was {$3600.00}. Initially, the Capital One app showed that my funds were unavailable for withdrawal and instructed me to call XXXX. I called multiple times but received no clear answers or resolution. Now, I can no longer access the banks app, which prevents me from checking for updates on my account. This situation is unacceptable. I am filing this complaint because I have received no support, no communication, and I still do not have access to my funds. 
. 

They told me that the account was closed but when I called they told me that it was under review ; I am attaching the pdf they sent me.

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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: Experian Information Solutions Inc.
State: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX  XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
my objection is the conflict of interest that exists between lenders ( USAA ) and the 3 reporting credit bureaus. Almost immediately after the offering and accepting a XXXX % interest rate for a used car loan, the 3 bureaus who are looked upon for advisement ( for auto, usaa said only 1 or sometimes 2 of them entered the decision making arena ) were emailing/messaging me offers from within their credit bureau marketing departments . That is Conflict of interest! These entities were to be neutral, were they not. I am currently looking for other lenders to move away from usaa and in to but the same feeling of dread is starting to fester in fear of even worst price gouging, market fixing, that has gone unchecked since XXXX XXXX 's stand during the gasoline crises. Let me know if that philosophy can correct our course or has Biden 's 'Americana ' got to be realized at all others cost?

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
b'I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report.\nTo date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence.\nBelow is a list of the items I am requesting to be removed from my credit file.\nXXXX XXXX XXXX Balance:XXXX XXXX XXXX XXXX Balance:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized- Please remove. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX XXXXXXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX on XX/XX/XXXX under the account number XXXX, and another collection account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies, and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life, and credit health.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synovus Bank
State: PA

Complaint narrative:
Im attempting to buy a home. A debt that was written off over XXXX XXXX ago is still showing on XXXX  by synovus bank. I filed a dispute and they lowered the amount from XXXX to XXXX but then opened it up so that the debt will now show until XXXX. This would make the debt showed on my record for XXXX  years in total. In XXXX  I lost a job. I had no money and a new born child and wife. I took my XXXX out and made payments to everyone I could for as long as I could while I looked for more work. When my XXXX became depleted I could not pay synovus. I contacted them to state my case and got no help from synovus. A month later when I missed my first payment my credit card debt jumped from XXXX to XXXX. Still out of work and looking for a job I had to continue to prioritize my childs well being and family and could not pay or afford to pay down the new XXXX dollar plus debt to synovus. Afterwards a month later the debt was at XXXX + dollars. It took XXXX  years for me to now be on my feet again. Those years were made harder by my poor credit report by Synovus to the point where I was denied the ability to rent an apartment and this find new jobs elsewhere. It was a hardship I had to endure for over XXXX  years. Now when trying to get a house they are still reporting my debt after over XXXX  years through XXXX. XXXX  never contacted me before the re opened my debt and just slapped a XXXX dollar unpaid notice on my account and tacked on an additional XXXX years until XXXX. My credit score is now continually going down with each new dispute and the initial damage I had taken was back in XXXX  over XXXX  years ago. I would just like this synovus off my history and the debt off of my profile forever. I would like it to be XXXX due to the fact that it took XXXX  years to recover and it is well past the statute of limitations.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is erroneously and currently reporting on my equifax credit report in the CLOSED section. 
FCRA 623 ( a ) ( 7 ) clearly states that a consumer must be sent NOTICE when NEGATIVE information such as alledged late payments are reported to the credit bureaus. 

Unfortunately, I received NOTHING from XXXX XXXX XXXX XXXX XXXX, and because your financial institution did not abide by the law, I want the alledged late payments reporting on my equifax credit report deleted immediately. 
Do not tell me as you have stated in the past that you can not locate this account because it is clearly reporting in the CLOSED section on my equifax credit report incorrectly showing late payments for XX/XX/year>2023 - 60 Days late, XX/XX/year>2023 - 90 Days Late and XX/XX/year>2023 -120 Days late.

According to FCRA 623 ( a ) ( 7 ) financial institutions must notify consumers when they furnish or have furnished negative information like delinquencies, late payments, and other forms of default. 
Additionally, I found it to be very stressful when I was told on more than a couple occassions when your representatives stated that they could not identify my account. 
I gave my personal information but had to hang up and continue to call the next day or as long as 3 days later.I persisted until I finally made the payment and still in spite of the delays /problems and strife your financial institution put before me I was never late and it is not fair that your financial institution has violated the law and ruined my credit and making it difficult for me to attain credit. 
I am keeping careful records such as denial letters after I have applied for credit and will seek legal representation if the late payments are not removed. 

I continue to make timely payments currently with your financial institution.

Company response to consumer: Closed with explanation