vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Formal Complaint Escrow Failure, Unaffordable Payment Increase, and Inaccurate Credit Reporting Loan Number : XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My mortgage servicer, M & T Bank, failed to properly manage my escrow account. 

In XXXX, a second tax parcel ( Quick Reference ID : XXXX and XXXX ) was created when I applied for my homestead exemption. My loan is fully escrowed. When my loan was transferred to M & T Bank, they failed to identify this second parcel and did not pay the property taxes for it from my escrow account.

This failure caused the taxes to become delinquent. In XX/XX/XXXX, M & T Bank ran an escrow analysis and drastically increased my monthly payment to an amount I can not afford. This new payment includes the tax shortage and penalties and interest caused by M & T 's error.

I have tried to resolve this many times since late XX/XX/XXXX. My representative and I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We spoke to Assistant Vice President XXXX XXXX XXXX ) and Assistant Vice President XXXX XXXX XXXX ). M & T refuses to spread the shortage over the 60 months I requested, offering only 24 months. They claim the error " is not their fault, '' which is incorrect. M & T is the servicer responsible for paying taxes from my escrow.

Because of this unresolved dispute, my account was reported as late, and I now have an incorrect negative mark on my credit report. This has caused me severe stress, lost sleep, and lost time from work. M & T ( XXXX ) also promised a manager would call me back on Thursday, XX/XX/XXXX, but nobody ever called.

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 2025-10-20 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: DC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XXXX of this year Freedom Mortgage paid out on duplicate homeowners insurance policies at our property at XXXX XXXX XXXX XXXX XXXX . The paid out on a policy to XXXX, which we had already cancelled and again for our new policy with XXXX. The XXXX  policy was roughly half of the cost of the previous policy with XXXX. In XXXX I spoke to a customer service representative from Freedom Mortgage, after we noticed our escrow account was still being charged as if we would have the more expensive policy come out again next year, and not the cheaper policy. This has caused a higher amount to be charged and retained in escrow then whats necessary.

We recently received an escrow refund check and it was not for the full amount. At the time of writing this, our escrow account already has {$1300.00} more then the cost of our active insurance policy, and has for several months. Freedom Mortgage has violated Federal Law by performing an inaccurate and incomplete escrow analysis and withholding funds that are owed to us for longer then what is allowed.

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 2025-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/year>, Huntington Bank withdrew {$500000.00} from my XXXX XXXX Acct. and put it into a XXXX Acct. with Huntington XXXX XXXX. I did not authorize this transaction, because I did not sign a withdrawal slip. 
In the meantime the money was transferred to XXXX XXXX XXXX 2 days later. 
On XX/XX/year> I received a XXXX XXXX pkg. prospectus on an annuity that I disscussed with XXXX XXXX. Upon receiving the pkg. I decided not to enter into this contract. It was 36 days since Huntington took out my money from the XXXX XXXX and I received no interest on the {$500000.00}. I would like to be compensated for this, my calculations is about {$2200.00}. 
Again, I did authorize this transaction. I did not receive the prospectus until XX/XX/year> and the money was taken out on XX/XX/year>. It was my understanding that I would review the prospectus before any transfer of funds. 
Huntington National Bank XXXX XXXX XXXX XXXX. 
XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NJ

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 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 2025-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ameritan Group Services
State: SC

Complaint narrative:
I was contacted by XXXX XXXX " from the office or AGS ''. He contacted myself, my wife, and my daughter. I have a voice mail message on my phone that says " we have not choice but to advise our client to send a uniformed official to you home or workplace to have you served ''. In addition he stated that " if you do not get in contact with our offices our next step will be to get in contact with your human resources at you place of employment. '' I did speak to XXXX XXXX concerning this. This call is relation to a XXXX XXXX XXXX payday loan. At this point this is a time barred debt. It has been well past 3 years stated by statute in South Carolina. This collector continues to harass my family and make direct threats that are not proper. 

The phone number I was given to call back is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-10-20 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: SC

Complaint narrative:
During the XXXX period ( XXXX ), several debts were inaccurately or fraudulently reported under my name. At that time, I had a few legitimate debts that I have since paid in full. However, the accounts currently being reported by various debt buyers do not belong to me or are duplicates that were created through error or fraud. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX Advanced Financial XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX No actions have been taken causing me hardship.

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 2025-10-20 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: AZ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-20 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: NM

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCE AUTHORI - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I checked into XXXX XXXX resort. Upon check in I used my Cash App card to pay for the stay. The funds were instantly withdrawn. I noticed later that day Cash App had placed a pending hold as well on the same transaction in the amount of {$1500.00}. I checked out the resort on XX/XX/year>, no additional fees billed everything paid in full and I received a ticket to exit the property. As of XX/XX/year> I still have the pending charge of {$1500.00} on my Cash App card. According to Cash App a 30 day hold is placed on your card for reservations, but theres nothing in writing that states Cash App will not release the hold until 30 days. Ive reached out several times to resolve this with Cash App. I also reached out the resort whom stated they never placed a hold on my card, only billed for the stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-20 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: NY

Complaint narrative:
I am writing to advise that I am a XXXX XXXX XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
INQUIRIES : XXXX XX/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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
On XX/XX/year>, I received a letter from XXXX XXXX Bank informing me that my accounts were being closed. Shortly thereafter, I received similar letters for all of my other accounts with them. The notice stated that I had until XX/XX/year> to transfer my banking to another institution. 

However, effective immediately upon receiving the letter, none of my debit cards or online banking services were functional. This has caused significant disruption to my personal and business finances. 

What concerns me most is that no explanation or prior communication was provided regarding the decision to terminate my banking relationship. Despite multiple attempts to contact the bank for clarification or discussion, I have received no response. 

I am deeply troubled by the lack of transparency and due process in this matter. While I can not be certain, I am concerned that this action may have been influenced by religious discrimination, as there is no other apparent reason for the closure. 

I am therefore requesting your agencys assistance in obtaining an explanation from XXXX XXXX and determining whether the banks actions were lawful and nondiscriminatory. 

Please let me know if you require copies of the letters or any additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX continues to send the exact same attachments that were previously provided. None of the documents include any wet signature or written authorization showing that I personally agreed for my private information, loan details, or account data to be transferred to or managed by XXXX XXXX. They have not proven they were legally assigned my account or that I ever consented to share my data with them. 

Instead of validating their right to collect, the company is trying to redirect me to complete fraud and identity-theft forms that have nothing to do with my dispute. I never said this was identity theft. I am disputing the authorization of the data transfer and the lack of proper validation. This is a stall tactic. 

Under 15 U.S.C. 1692g ( b ), they must cease all collection activity until they provide proof of authorization. Under 15 U.S.C. 1681i and 1681e ( b ), they and the furnisher are required to perform a reasonable reinvestigation. Re-sending the same PDFs does not meet that standard. The company is violating both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by refusing to produce documentation that ties my signature or consent to this third-party collector. 

I do not owe BOUNCE AI, NOR have a contract with BOUNCE AI.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
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 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 2025-10-20 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: FL

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 2025-10-20 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: FL

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 response to consumer: Closed with non-monetary relief