vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NY

Complaint narrative:
My Mortgage went up in XX/XX/year>, when I asked Selene Finance about it, they told me I had an escrow shortage of {$420.00}, which made my mortgage {$2700.00}. I paid the balance of the shortage {$320.00} early XXXX and they said it would drop down minus {$35.00}. Well, it never did, not only it never dropped, but they sent me another letter saying I now owe a shortage of XXXX. When I ask them how??? they said it was taxes at first, so I asked what happen to the taxes I pay in my mortgage payment??? then they said it actually was not for taxes, it was for an outstanding water bill. I called the water company and they said they never received any payment from Selene Finance. Today when I called Selene Finance, they are now saying its not for the water bill, but they did another escrow analysis, and found another shortage, and my mortgage will be going up in XXXX, unless I pay the XXXX. I am desperately seeking help with this issue, I feel like this is predatory. This is causing me great, XXXX, and physical discomfort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
On XX/XX/2025, I submitted a dispute with Experian on a collection account. A short while later I was informed that the dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in the amount of {$1400.00} was not changed as a result of their processing of the dispute. 
Experian claims the company that reported the information has certified to them that the information is accurate. 
I submitted another dispute citing that under the CFPB 's new rules it ( for one ) Bans medical bills on credit reports : The rule bans consumer reporting agencies from including medical debt information on credit reports and credit scores sent to lenders. 
Again, they refused to 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 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AR

Complaint narrative:
My information was obtained from cash app data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-01 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint concerning the late payment reporting by Bank of America on my credit file. These entries are appearing across one or more credit bureaus and are being disputed on the grounds that they are unverified, incomplete, and in violation of federal reporting requirements. 

Account in Dispute : Bank of America Account Number XXXX in XXXX Date Opened : XX/XX/XXXX Legal Standards for Reporting Late Payments Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), furnishers of information are required to : Report with maximum possible accuracy, and Not furnish any information if they know or have reasonable cause to believe the information is inaccurate or incomplete.

Under FCRA 1681i, if a consumer disputes an account, the furnisher and the credit reporting agency must conduct a reasonable reinvestigation and verify the accuracy of the information being reported.

To legally substantiate a late payment, Bank of America is required to provide the following documentation : 1. Original billing statement or payment invoice for the month ( s ) in question showing : Payment due date Payment amount Due date terms as defined in the cardholder agreement 2. Full system transaction logs or internal audit trail showing : When the payment was received When it was posted to the account Whether it fell outside of any contractually agreed grace period 3. Copy of the original signed cardholder agreement that specifies : Payment due dates Grace period terms Late fee assessment policies 4. Evidence of consumer notification regarding the alleged late payment, such as : Mailed or electronic delinquency notice Internal records that show notice was issued Metro 2 Compliance Requirements According to Metro 2 data furnishing guidelines, the following fields must also be accurately and consistently populated when reporting a late payment : Field 17A Payment Rating Field 17B Compliance Condition Code Past Due Amount Scheduled Payment and Actual Payment fields Payment History Profile string Special Comment Codes, where applicable A late payment that lacks proper alignment across these fields is considered incomplete and noncompliant, and therefore must not be furnished to the consumer reporting agencies.

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 2025-05-01 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 filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ( Account XXXX. XXXX XXXX XXXX XXXX XXXX ), both of whom are furnishing charge-off entries on my Experian credit file. 
These entries are not only inaccurate and misleading, but they also violate multiple provisions of federal law and Georgia state consumer protection statutes. Both companies are reporting past-due balances ( {$11000.00} from XXXX and {$26000.00} from XXXX XXXX XXXX ) despite charging off the accounts, which under Generally Accepted Accounting Principles ( GAAP ) and IRS regulations XXXX suggests they have already received compensationeither via insurance, tax deduction, sale, or settlement. 

This continued reporting violates : FCRA 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) Furnishing inaccurate information. 

FCRA 1681e ( b ) Failure to ensure maximum possible accuracy. 

FCRA 1681i Failure to properly investigate consumer disputes. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g - Failure to validate the alleged debt prior to furnishing to the credit bureaus constitutes deceptive and unfair practices. 

XXXX  XXXX XXXX XXXX XXXX ( XXXX ), XXXX. XXXX XXXX XXXX XXXX Prohibits unfair or deceptive practices in consumer transactions, including the inaccurate reporting of debt information. 

XXXX XXXX XXXX, XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX  If the creditor has issued a Form XXXX ( XXXX  of XXXX ), the debt has been forgiven for tax purposes and must be treated as income by the consumer. Continued reporting of this cancelled debt is improper and creates a form of double jeopardypenalizing the consumer financially and via tax liability simultaneously. 

Additionally, the CFPB has previously taken enforcement action against Experian for : Improper dispute investigations and inaccurate credit reporting. 
Deceptive practices under the FCRA. 
( See CFPB enforcement : CFPB Sues Experian ) See Also : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court acknowledged that the issuance of a XXXX could render continued reporting of the debt as inaccurate, supporting the need for correction or deletion of such entries.

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 2025-05-01 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: AZ

Complaint narrative:
I have tried to resolve I these issues and nothing has happened. It has caused a lot of financial and emotional burden. Please remove these negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to formally request a copy of my Tenant Screening Report maintained by your agency. As a consumer, I understand that I am entitled to access this information under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the data being reported about me. Please consider this letter as my official request to obtain the most recent tenant screening report associated with my name and personal information. If additional verification is required, I am willing to provide any necessary identification documents upon request.

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 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I reach out several time to the company Caine and Weiner they debt collection agency and are acting as company they brought debt from. They could not provider any contract I signed or agreed to and according to FERA section 605B it is illegal to report anything on my credit without my permission. Please have them remove this account from all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request a copy of my Tenant Screening Report maintained by your agency. As a consumer, I understand that I am entitled to access this information under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the data being reported about me. Please consider this letter as my official request to obtain the most recent tenant screening report associated with my name and personal information. If additional verification is required, I am willing to provide any necessary identification documents upon request.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally place Equifax and Transunion on notice regarding your responsibility to maintain the accuracy, fairness, and privacy of the information contained in my consumer file, as outlined under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681.

It has come to my attention that your agency may be reporting inaccurate, outdated, unverifiable, or otherwise non-compliant information on my credit file. I am fully aware of my rights under the FCRA, and I expect your immediate cooperation and strict adherence to federal law. 
Accounts in reference : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are unauthorized and have been filed with the federal trade commission upon proving real and true identity. Please remove these accounts from my profile

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 2025-05-01 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: AZ

Complaint narrative:
Equifax is reporting derogatory information for XXXX XXXX XXXX ( account number XXXX ) and XXXX XXXX XXXX ( account number XXXX ). The XXXX entry shows a charge-off with a {$0.00} balance, which is contradictory and suggests the account is still derogatory despite having no balance. Meanwhile, the XXXX XXXX entry is listed as a {$410.00} collection, but I have not received validation of this debt, and it has not been verified directly with me. Equifaxs failure to ensure accurate and validated data before publishing these derogatory marks constitutes a violation of 15 USC 1681e ( b ). Furthermore, this pattern of errors supports the conclusion that my information was likely affected by a data breach, leading to the improper association of these accounts with my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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