vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
Guaranteed rate has continued to ignore the XXXX XXXX tax assessors office as it pretends to proposition 19 guaranteed as voluntarily and without communication to the XXXX XXXX tax assessors office all supplemental tax would be disregarded until the assessors office had completed. Their audit provided a new updated tax bill as well supplemental tax bills the only tax bill that was submitted the new property tax bill according to prop 19 the assessors office advised me that the supplemental tax payments were due and not to pay any of them on the bill. The speed memo was provided to guaranteed rate as to correct the escrow amount being deducted from monthly mortgage payment. This occurred in XX/XX/year> and they had the documents on record guaranteed but six months later they attempted to overcharge me once again without contacting the tax collectors office and imposing penalties interest on monies that were not to be sent out thus putting me in arrears And the mortgage company, forcing a larger mortgage payment of {$700.00} more as well. They paid over {$1600.00} to the tax collectors office after communicating with them at the tax collectors office. They have advised me that that was not a legitimate payment and it was being returned to the mortgage company with an explanation that no supplemental payments or penalties were due This was repeated as such guaranteed rate is misappropriating funds and defaming my financial position and refusing to correct their error by forcing a larger payment on my mortgage, regardless that no supplemental taxes or penalties were due the speed memo explained in detail to the employee, XXXX XXXX who is the chief compliance officer she assured me this would not happen again and it did happen again now theyre trying to misappropriate more than {$6000.00}. This has got to stop and it will cause more than a financial crisis for me, but it is also illegal and forceful. I am a XXXX XX/XX/XXXX and they are abusing me. They are causing my XXXX XXXX injury, along with the XX/XX/XXXX XX/XX/XXXX to create XXXX and extreme XX/XX/XXXX This type of abuse is on a call for this type of neglect and repeated incident after I was assured it would not occur again has caused financial strain as well mental and physical pain and suffering. They refused to correct their error. They refuse to accept the XXXX XXXX tax assessors information and they are forcing and imposing a greater mortgage without applying the additional money theyre forcing on me to the principal they are misappropriating additional funds without explanation or prior to notice, please address and resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX {$1000.00} XXXX {$550.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) {$600.00}

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX {$1000.00} XXXX {$550.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) {$600.00}

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 2025-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted EXPERIAN & XXXX that it was not constitutional to report medical debt on credit report and they refused to remove collections XXXX and XXXX were also contacted about the removal of this debt being reported and removed from my credit report and they failed to comply with the law. 
Below I have uploaded three medical collections from my EXPERIAN XXXX XXXX credit reports that are being illegally reported.

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 2025-02-15 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: AL

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CL Holdings LLC
State: WI

Complaint narrative:
My information was exposed in data breach, so I want everything removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MD

Complaint narrative:
XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear CFPB and Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being report : XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Bankruptcy 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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out to formally request the immediate removal of an account listed on my credit report that is not only inaccurate but is currently involved in pending litigation. This account does not reflect the reality of my financial situation and is, in fact, a matter of legal dispute at this time. 

As you are likely aware, accounts involved in litigation should not be represented in the same manner as accounts that have been settled or closed. The inclusion of this account is both misleading and harmful to my credit report, and I am taking legal action to resolve the matter. Given the ongoing litigation, it is critical that this account be removed from my credit report immediately to prevent further harm to my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: MI

Complaint narrative:
Since XXXX of XXXX  I have been contacting XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  ABOUT letting them know I NEVER opened an account with this company and this account is not mine. I have been ignored by XXXX XXXX XXXX and the Consumer reporting agencies have continued to report this inaccurate information on my account causing my family and I harm and mental anguish. The FCRA mandates that only accurate and verifiable information may be included in credit reports. Additionally, the FDCPA prohibits collection agencies from reporting accounts without proper validation.Section 609 : Right to obtain all information in your credit file.

Section 611 : Right to dispute inaccurate information and require correction or removal if unverifiable.

Section 623 : Responsibilities of furnishers of information to ensure accuracy when reporting to credit bureaus.

Section 605B ( Identity Theft Protection ) : Requires credit reporting agencies to block fraudulent information from appearing on a consumers report within four business days after receiving proof of identity theft, such as a police report or an identity theft affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Block, Inc.
State: MN

Complaint narrative:
XX/XX/XXXX Dear XXXX XXXX, This letter is in response to the complaint filed against XXXX XXXX XXXX XXXX XXXX ( XXXX ) through the Better Business Bureau on XX/XX/XXXX. 
XXXX offers taxpayers an optional tax-refund transfer service through a network of tax preparation franchises, independent tax professionals, and online tax preparation providers. The refund transfer service ( the " XXXX XXXX '' ) is offered and administered by XXXX XXXX XXXX XXXX XXXX, XXXX, with XXXX XX/XX/XXXXproviding banking services for the XXXX XXXX. The XXXX XXXX allows taxpayers to pay their tax preparation fees from their federal or state tax refund rather than paying their tax preparation fees at the time of filing. With the XXXX XXXX, taxpayers authorize a temporary non-interest-bearing deposit account to be opened in the taxpayer 's name at XXXX XX/XX/XXXXto receive a direct deposit of the taxpayer 's federal and/or state tax refund from the IRS or state tax authority . The XXXX Bank account is opened when XXXX XX/XX/XXXXreceives the taxpayer 's federal or state tax refund. When XXXX XX/XX/XXXXreceives the federal or state tax refund ( whichever arrives first ), XXXX makes deductions from the tax refund to pay the tax preparation fees and associated upfront fees. XXXX XX/XX/XXXXdisburses the refund balance to the taxpayer pursuant to the taxpayer 's instruction. You electronically agreed to these terms and conditions through your XX/XX/XXXXAgreement. 
According to our records, on XX/XX/XXXX, XXXX received your electronic submittal through the software provider, XX/XX/XXXX. This means that the option to utilize a Refund Transfer to pay the software fees was elected in lieu of paying via credit card at the time of filing. 
On XX/XX/XXXX, the IRS approved your refund and paid XXXX {$1400.00}. Therefore, XXXX deducted fees for tax preparation, for the XXXX XXXX, and deposited the remaining balance of {$1400.00} to the XXXX XX/XX/XXXXaccount designated at the time of filing ( routing number : XXXX and deposit account number : XXXX ) effective XX/XX/XXXX, confirmed by the XXXX XXXX number : XXXX. We recommend that you contact XXXX XX/XX/XXXX and provide the above trace number for a status on their funds. 
For any additional questions or concerns, the Complainant XXXX contact XXXX via email at XXXX, and their request will be routed to the appropriate department. 
Respectfully, XXXX XXXX Department

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MS

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 2025-02-15 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
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 non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Started on XX/XX/XXXX, my mortgage lender said she can not pull my Equifax report, I called Equifax about XXXX times a day trying to get a report from them but they told me to send documents in and I sent them a few times and I havent got anything resolved, they just keep telling me they havent received anything and theres no file for me, I dont understand how if I have lines of credit and auto loans through XXXX XXXXXXXX, I just want to get it fixed so I can continue with my home purchase,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
XXXX XXXX XXXX account was closed on XX/XX/XXXX and still is reporting as an active account. 
Amount- XXXX XXXX XXXXaccount was closed XX/XX/XXXX and still is reporting as an active account. 
XXXX These account was charged off in XX/XX/XXXX and XX/XX/XXXX. The accounts have repeatedly been updated as charge-off every month, this is an update on my payment history but a charge off account should NOT include an active payment history. These account needs to be investigated properly due to it violated my rights. 
Under 15 U.S code 1681 e, i Please remove the following items from my credit report 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 non-monetary relief