vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
My husband and I moved to Florida from Missouri in XXXX of XXXX. When looking for mortgage lenders, we found that South State Bank quoted us a significantly less monthly payment for the price range of home that we were looking for. Naturally, we went with South State, due to the decreased expense.

Recently, my monthly mortgage cost increased from {$4100.00} to {$5300.00} without any notice from the company. 

I then made numerous phone calls to obtain an explanation. South State Bank was not the provider to explain despite me calling and talking to at least XXXX departments. I was always told that a file would be submitted and someone would call me back. Although I did receive a message from XXXX, she never called me back after I left at least five messages with her desk. Unfortunately, the person who finally explained what happened was an employee with the property assessor. She explained to me that the homeowners that lived in my home prior to me, had been there a long time and had earned a significant amount of homestead expemptions, which kept their property taxes low. This employee told me that banks are encouraged to base estimated escrow expenses of the appraised value of the home at the time of sale in order to provide more accurate monthly expenses rather than estimating escrow expenses based on the previous owners payments. Because we bough half way through the year, we received the property tax rate that the prior owners paid for the first six months. However, upon the start of XXXX, our property taxes went up. which ultimately prompted the increase in our monthly payment. 
This increase should have been expected by the south state, however, we were never informed or advised that this would happen.

When we bough our house, we were planning on roughly {$4000.00} monthly payments with possible annual fluctuations of a couple hundred dollars per month in the case that insurance or property taxes increased at expected rates. What we were not prepared for was a sudden jump in our annual expenses of over {$13000.00}. 

My husband and I feel that South State did not give us an accurate monthly expense estimate. Although I can not say if intentional, it feels like South State may have based the monthly expense based on the prior owners escrow knowing it would likely create a lower quote.

The rapid {$13000.00} annual increase in expense has placed my family in a difficult situation. We can not pay for our bills and are living above our means due to inaccurate estimates provided to us by South State. If we had been given an accurate monthly quote, we would not have purchased at this price point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
I disputed the account with Discover Bank with all 3 credit bureaus due to identity theft. I provided the police report and FTC reports to them as well as Discover Bank and the accounts were removed. Then Discover Bank added them back to my credit reports with new balances information. They added them back to my report with a different balance than what was initially disputed solely to have them back on there. That's illegal and tampering with credit bureau documentation to stay on a report that was actually identity theft. I'm not paying for debt thats not mine and I didn't benefit from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX & XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 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: FL

Complaint narrative:
These accounts do not belong to me and may be linked to identity theft. I request a full investigation and their removal. Relevant documentation is included.

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 2025-09-23 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: CA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are XXXX XXXX OF XXXX XXXX ( {$0.00} ), XXXX ( {$7200.00} ), XXXX ( {$0.00} ), XXXX ( {$0.00} ), XXXX ( {$0.00} ). The credit bureaus violate XXXX USC XXXX and XXXX USC XXXX ( XXXX ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-09-23 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: CA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are XXXX XXXX OF XXXX XXXX ( {$0.00} ), XXXX ( {$7200.00} ), XXXX ( {$0.00} ), XXXX ( {$0.00} ), XXXX ( {$0.00} ). The credit bureaus violate XXXX USC XXXX and XXXX USC XXXX ( XXXX ) ( b ) by not looking into my dispute and investigating like they should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a call from XXXX on XX/XX/XXXX saying there was a complaint filed against me from XXXX XXXX and they're going to serve me tomorrow ( XX/XX/XXXX ) at my home or workplace. They gave me a phone number, XXXX, to call with a file number. I called the phone number and asked what their company name was. She just said, " We represent multiple Law Firms and can't give you details until you tell us if you're calling for yourself or on behalf of someone. '' I told her I was calling for myself and gave her the file number, then she listed off my current address and said mail was sent to me by Wells Fargo back in XXXX. She then listed off my previous address, previous workplace, and SSN. She said that Wells Fargo was suing me for a loan I didn't pay off ( which I never took out ), and stated that my credit is in good standing, listing other credit cards I have. After the call, I called the original number back ( XXXX ) and the same lady answered who had answered the 888 number.

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 2025-09-23 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:
Im not affiliated with these accounts, and I believe they are fraudulent. Kindly investigate and eliminate them from my credit profile. Documents are enclosed.

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 2025-09-23 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX 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 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: LA

Complaint narrative:
On XX/XX/2025, I received a collection notice from IQ DATA INTERNATIONAL INC claiming I owed {$3800.00} for a collection account ending in XXXX. The debt being reported is incorrect because it is linked to the wrong apartment number. 

I do not owe this debt, and I believe the company has inaccurate information. I have not received proper validation of the account as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, they attempted to collect by text message and provided a payment link.

I am requesting that IQ DATA INTERNATIONAL INC : 1. Cease all collection efforts until accurate validation is provided.

2. Correct the information to reflect that this debt does not belong to me.

3. Remove any negative reporting connected with this incorrect account. 

This is causing harm to my credit and rental history, and I want it corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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
Consumer complaint received 2025-09-23 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX DATA Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> CPS Date : XX/XX/year> XXXX XXXX B Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX  XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 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: CO

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of a fraudulent address on my credit file. This address does not belong to me, and its inclusion on my credit report raises serious concerns of identity theft or inaccurate reporting. 

This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX U.S.C. XXXX ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting an address that does not belong to me is not accurate. 

XXXX U.S.C. XXXX ( a ) Consumers have the right to block information that results from identity theft, including fraudulent addresses, after providing appropriate proof. 

XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Upon notification of a dispute, credit reporting agencies must conduct a reasonable reinvestigation within 30 days. If they can not verify the address as accurate and belonging to me, it must be removed. 

XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Furnishers of information must not provide information they know or should know is inaccurate. 

The presence of this fraudulent address on my file is misleading, damaging to my credit profile, and places me at risk of further identity theft. 

I am requesting that the CFPB investigate this matter and ensure : Immediate removal of the fraudulent address from all of my credit reports. 

Confirmation that the credit bureaus and furnishers comply with their obligations under the FCRA to maintain only accurate and verifiable information. 

Steps are taken to prevent this fraudulent address from reappearing on my credit file in the future. 

This inaccurate reporting is harmful to my creditworthiness and my financial security. I respectfully ask the CFPB to take action to correct this violation. 


FRAUDULENT ADDRESSES ON FILE ARE : XXXX XXXX XXXX XXXX, GA XXXX & XXXX XXXX XXXX XXXX, GA XXXX. 

PLEASE REMOVE/DELETE FRAUDULENT ADDRESSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Dear I.C. System, I am writing to formally dispute the collection account you are reporting on my credit file regarding XXXX XXXX. 

This account was included in my Chapter XXXX bankruptcy, which has since been XXXX by the XXXX Bankruptcy XXXX. As a result, the debt is no longer valid or collectible. Continuing to report this account is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Requested Action : Immediately delete this account from all credit bureau reports. 

Cease all collection activity related to this account. 

For your verification, I have enclosed a copy of my bankruptcy discharge order as well as identification documents. 

Please provide me with written confirmation that this account has been deleted and that no further collection activity will occur. 

Sincerely, 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 2025-09-23 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: SC

Complaint narrative:
This account was opened on XX/XX/year> and the original amount is XXXX the owed amount is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: I.C. System, Inc.
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

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