vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: DHI Mortgage Company
State: NV

Complaint narrative:
We are submitting this complaint regarding the mortgage and escrow disclosures connected to the purchase of our D.R. Horton home in XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) in XXXX The loan for this property was originated/financed through DHI Mortgage, the preferred/affiliated lender of D.R. Horton. 
including property taxes. After closing, our actual property taxes increased sharply from about XXXX per year to approximately {$4500.00} per year. This increase then caused our escrow payment and total monthly mortgage payment to jump. We believe ( 1 ) the tax amounts we were shown at or before closing were materially understated and ( 2 ) we were not clearly informed that the numbers we were relying on were based on an artificially low temporary/pre-construction tax assessment that would immediately change once XXXX XXXX reassessed the completed home at full value. That reassessment and tax jump happened after closing, and it created a major and unexpected increase in our housing cost. This is important because : - Under 12 C.F.R. 1026.19 ( e ) ( TILA, Loan Estimate requirements ), the lender is required to give accurate, good-faith estimates of costs borrowers will be required to pay. - Under 12 C.F.R. 1024.17 ( c ) ( RESPA escrow requirements ), the servicer/lender is supposed to make a reasonable analysis of escrow needs for taxes and assessments. - We relied on DHI Mortgage 's disclosures to determine affordability and to agree to close on the home. We are raising three concerns : 1. Inaccurate / misleading tax disclosure 2. Escrow shortage / payment shock 3 Steering / pressure to use the affiliated lender We are requesting that the CFPB : - Investigate whether DHI Mortgage 's Loan Estimate and Closing Disclosure in 2022 complied with TILA and RESPA regarding tax and escrow estimates. - Determine whether D.R. Horton and DHI Mortgage failed to disclose the post-construction reassessment in XXXX XXXX XXXX XXXX Review whether buyers in our community are experiencing the same issue. - Direct the lender to correct any escrow shortage or reimburse funds caused by underestimation. We affirm that this information is true to the best of our knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 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 2025-10-28 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: TX

Complaint narrative:
I am submitting this as my XXXX follow-up complaint regarding multiple unauthorized credit inquiries that continue to appear on my credit report despite my repeated written disputes and requests for correction. I have previously contacted your agency multiple times, yet these inquiries remain unresolved, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) .Upon reviewing my recent credit file, I identified the following inquiries, which were not initiated, authorized, or consented to by me : XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX / XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX & XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) I have no record of any credit applications, accounts, or authorizations with these entities that would justify a permissible purpose for obtaining my credit file. Under FCRA 604 ( a ), a consumer report may only be accessed for a legitimate, consumer-initiated purpose. FCRA 604 ( f ) further prohibits any entity from obtaining or using a report without such authorization, and FCRA 619 ( 15 U.S.C. 1681q ) makes it a federal offense to obtain a report under false pretenses.Despite my consistent follow-ups, these inquiries have not been removed, nor have I received proof of any permissible purpose. This repeated failure to correct and verify disputed items constitutes negligence and noncompliance under FCRA 611 ( 15 U.S.C. 1681i ), which requires a complete reinvestigation and response within 30 days.

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 2025-10-28 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: NC

Complaint narrative:
I am following up on my previous correspondence disputing several items on my credit report that are inaccurate, unverifiable, or improperly reported. These inaccuracies misrepresent my credit history and negatively impact my creditworthiness. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) specifically 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ) I am requesting that you complete a full reinvestigation and delete any items that can not be verified as accurate. These items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
I am submitting this complaint because XXXX of my auto accounts XXXX with XXXX and the other with XXXX XXXX are not being reported accurately across the credit bureaus. Both accounts have been fully paid in good standing, yet my credit reports continue to reflect outdated or incorrect late payment information. My XXXX account was opened on XX/XX/XXXX, and paid in full on XX/XX/XXXX. My XXXX XXXX account was a lease opened on XX/XX/XXXX, and completed on XX/XX/XXXX. In both cases, I fulfilled all financial obligations, and each account should now reflect a status of Paid as Agreed. I have contacted the credit bureaus directly to request a reinvestigation and correction under the Fair Credit Reporting Act ( FCRA ), but the reports have not yet been accurately updated.

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 2025-10-28 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:
I am submitting this complaint because the credit report currently on file contains inaccurate and unverifiable information that is negatively affecting my creditworthiness and must be removed immediately. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute and request the removal of any information that can not be verified as accurate. 
My report lists addresses that I have never resided at, including XXXX XXXX XXXX, XXXX, GA and XXXX XXXX XXXX XXXX XXXX, XXXX, GA. The inclusion of these false addresses violates FCRA XXXX ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of all consumer information. 
Negative account information is also being reported inaccurately. Accounts with XXXX and XXXX XXXX XXXX are shown as late closed, despite having XXXX balances. My XXXX credit card is reported with an outstanding balance of {$5000.00}, even though it was legally forgiven and reported to the IRS via Form XXXX ( Cancellation of Debt ). Collection accounts listed under XXXX and XXXX ( XXXX XXXX ) also contain balances that are unverifiable. Reporting these items violates FCRA 611 ( 15 U.S.C. 1681i ), which allows consumers to dispute inaccurate information, and FCRA 623 ( b ), which requires furnishers to conduct a reasonable investigation. 
Unauthorized inquiries from XXXX XXXX ( XX/XX/year> ) and XXXX XXXX NA ( XX/XX/year> ) are also present. These inquiries were not authorized and violate FCRA 604 ( a ), which strictly limits permissible purposes for accessing a consumers credit report.Because these accounts, collections, and inquiries are inaccurate, unverifiable, or unauthorized,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am submitting this complaint because the credit report currently on file contains inaccurate and unverifiable information that is negatively affecting my creditworthiness and must be removed immediately. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute and request the removal of any information that can not be verified as accurate. 
My report lists addresses that I have never resided at, including XXXX XXXX XXXX, XXXX, GA and XXXX XXXX XXXX XXXX XXXX, XXXX, GA. The inclusion of these false addresses violates FCRA XXXX ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of all consumer information. 
Negative account information is also being reported inaccurately. Accounts with XXXX and XXXX XXXX XXXX are shown as late closed, despite having XXXX balances. My XXXX credit card is reported with an outstanding balance of {$5000.00}, even though it was legally forgiven and reported to the IRS via Form XXXX ( Cancellation of Debt ). Collection accounts listed under XXXX and XXXX ( XXXX XXXX ) also contain balances that are unverifiable. Reporting these items violates FCRA 611 ( 15 U.S.C. 1681i ), which allows consumers to dispute inaccurate information, and FCRA 623 ( b ), which requires furnishers to conduct a reasonable investigation. 
Unauthorized inquiries from XXXX XXXX ( XX/XX/year> ) and XXXX XXXX NA ( XX/XX/year> ) are also present. These inquiries were not authorized and violate FCRA 604 ( a ), which strictly limits permissible purposes for accessing a consumers credit report.Because these accounts, collections, and inquiries are inaccurate, unverifiable, or unauthorized,

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 2025-10-28 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: SC

Complaint narrative:
I am submitting this statement to formally report an ongoing issue with my credit file regarding inaccurate address information. I have provided Experian with all requested documentation, including a government-issued identification and a recent utility bill, to verify my current mailing address and ensure that my credit report accurately reflects my personal information. 

Despite providing proper documentation, my address has not yet been correctly updated, which has delayed the resolution of my pending disputes. I am the sole individual disputing and investigating these matters and have not authorized any third party to act on my behalf regarding my credit 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 explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
On XXXX XX/XX/year>2025, while visiting XXXX, XXXX, I was the victim of a fraudulent and misrepresented transaction at XXXX XXXX XXXX XXXX ( XXXX XXXX ). The merchants staff took my USAA Visa debit card and held it for more than 45 minutes despite my repeated requests for its return. During that time, they pressured me to buy drinks, hookah, and to purchase items for women they brought to my table, which I declined. I was verbally quoted one price, never received a bill or receipt, and later discovered a charge of approximately USD {$2800.00}.

I immediately reported the transaction to USAA Bank. I provided full details, including the merchants identity and my written statement. USAA delayed its investigation for more than two months, far beyond the 30-day limit required under Regulation E ( 12 CFR 1005.11 ). When I called to ask for an update, the representative agreed the charge appeared fraudulent, but hours later USAA denied my claim, asserting that because the chip was used, it could not be considered fraud.

That reasoning is factually and legally incorrect. Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693a ( 12 ) ) and Regulation E 1005.2 ( m ), a transaction obtained through coercion or misrepresentation is not authorized. The merchants conduct clearly fits Visa Reason Code 13.5 ( Misrepresentation / Services Not as Described ). USAAs failure to resolve the claim properly, refusal to provide evidence, and closing of the case after excessive delay violate Regulation E and constitute unfair handling of a consumer fraud dispute.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
When 4 checks were deposited 1. One For XXXX would be available in 7 days on XX/XX/XXXX. 
2. 3 checks deposited on XX/XX/XXXX would be available on XX/XX/XXXX This was verified on phone twice by Usaa agent On morning of XXXX, the date is changed to XX/XX/XXXX for all funds to be available Agent and process make it impossible to address and correct. Appears they arbitrarily changed dates to their favor after deposit made based on first release date

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 2025-10-28 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: NC

Complaint narrative:
I am formally sending this letter to dispute inaccurate and inconsistent information being reported on my credit file regarding XXXX XXXX XXXX  ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing my credit report, I discovered multiple discrepancies between your reporting and the data maintained by other major credit bureaus. These inconsistencies do not accurately reflect my payment history or account details and have resulted in an unfair and misleading portrayal of my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I recently opened a new checking account at that time I informed the bank that I needed the account due to a large deposit I was going to receive from a lawsuit settlement. So even though they were made aware of this legitimate deposit when it came through to the bank they froze my account and funds without any explanation and have started an investigation regarding this deposit even though I informed them of where it was coming from and why I was receiving it and still they refuse to unfreeze my account and give me access to my money or even give me reasoning behind all this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, The following payment that was made late should be removed from my credit report. Apparently, there is an error on the bill. This payment was never late and I never missed it. My account is set up to pay automatically, therefore I have never missed a payment.

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 2025-10-28 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: AR

Complaint narrative:
I am submitting to formally dispute and request a thorough investigation into several items that appear inaccurately on my credit report. After carefully reviewing my file, I have identified entries that I believe are either incomplete, incorrect, or not properly verified. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am exercising my right to dispute any information in my credit file that I believe to be inaccurate, incomplete, or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA Section 611 ( 15 U.S.C. 1681i ), the 3 Credit Bureaus are required to conduct a reasonable reinvestigation of the disputed information within 30 days of receiving this notice. I respectfully request that you verify each disputed item directly with the original creditor or data furnisher and remove or correct any information that can not be fully substantiated.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of online credit card fraud on XX/XX/year>. I received an email alert stating a transaction was made in the amount of {$700.00} from XXXX XXXX. I immediately contacted my credit card company, reported the fraud and closed my account. On XX/XX/year>, the fraud amount was posted to my account. I contacted my credit card company to inquire as to why I have not been credited for this fraud transaction. The representative stated it will take XXXX business days to reflect a credit. On XX/XX/year>, I went into Chase bank, because I still have not received the credit to my account, spoke to the assistant VP and wanting to know why has this not been rectified. The bank VP stated that after they investigate, the credit should apply. It is now XX/XX/year>, no credit has posted, and at this point I feel like I am getting the run around. I even contacted XXXX XXXX XXXX to report the fraud. They said they received the information from the credit card company and they are looking into this. How long do i wait to obtain this credit?? My next step is to file a court case for fraud against Chase Bank XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
I am sending this complaint to report multiple inaccurate, unverifiable, and misleading accounts that continue to appear on my credit report despite previous disputes. These accounts contain inconsistent payment details, incorrect balances, and instances of duplicate reporting, all of which have negatively affected my credit standing. The continued presence of these inaccuracies raises concerns about the credit bureaus and furnishers compliance with the Fair Credit Reporting Act ( FCRA ), particularly regarding the duty to maintain and report accurate and verifiable information. 
). XXXX XXXX Balance {$15000.00} XXXX  XXXX Balance {$15000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX Balance {$10000.00}

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