vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts that show late payments below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX Date of late payment XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX XXXXXXXX XX/XX/XXXXXXXX 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 
has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts that show late payments below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX Date of late payment XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX XXXXXXXX XX/XX/XXXXXXXX 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 
has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( 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
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My escrow payments have been consistently increasing over the past XXXX years, which means my mortgage payments have consistently increased over the past XXXX years. I have requested information as to why, I have made escrow only payments to try to resume a reasonable monthly mortgage payment, I have submitted a new tax bill that was several thousands of dollars less than what the mortgage company had but still I am paying a XXXX dollars into escrow, despite my escrow balance being only {$450.00}. Only {$300.00} of my {$2200.00} mortgage payment is going to principal, with {$1000.00} going to escrow. This mortgage company is charging me nearly {$12000.00} a year in escrow charges when my annual tax & insurance bills are roughly {$4000.00}. I have tried & tried & tried, they are absolutely unwilling to budge. They now sent me an escrow analysis that says that I need to have a {$1300.00} cushion, or overpayment, because the mortgage company does not set the tax or insurance amounts. This is unacceptable, unreasonable & putting me at risk of losing my home, not because of non-payment, in fact all I have done is pay more & more & more every single month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
Im still seriously concerned that my credit report contains inaccurate and incomplete information. Despite several attempts to have this corrected, the problems remain and are unfairly impacting my credit.

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 2025-04-23 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: NJ

Complaint narrative:
Unauthorized companies accessed my credit report without my consent, harming my credit score. Though Equifax said these would be removed, they remain. These fraudulent inquiries are causing stress and raise concerns of possible identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Accounts XXXX. XXXX XXXX, XXXX {$700.00}, Account number XXXXXX/XX/XXXX opened XX/XX/XXXX XXXX. XXXX, XXXX {$390.00}, Account numXX/XX/XXXXopened XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX, Account number XXXXXX/XX/XXXX, Date opened XX/XX/XXXX XXXX. XXXX, XXXX XXXX, Account number XXXXXX/XX/XXXX Date opened XX/XX/XXXX XXXX. XXXX, XXXX {$100.00}, Account number XXXX, Date opened XX/XX/XXXX XXXX. XXXX, XXXX XXXX, Account number XXXX *, Date opened XX/XX/XXXXXX/XX/XXXX XXXX, Amount XXXX, Account number XXXXXX/XX/XXXX Date opened XX/XX/XXXX XXXX. XXXX, XXXX XXXX, Account number XXXXXX/XX/XXXX * * *, Date opened XX/XX/XXXX XXXX. XXXX, XXXX XXXX, Account number XXXXXX/XX/XXXXate opened XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX, Account number XXXXXX/XX/XXXX, Date opened XX/XX/XXXX XXXX. XXXX, XXXX XXXX, Account number XXXXXX/XX/XXXX, Date opened XX/XX/XXXX XXXX. XXXX, XXXX XXXX, account number XXXXXX/XX/XXXXDate opened XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX, Account number XXXXXX/XX/XXXXDate opened XX/XX/XXXX XXXX. XXXX, XXXX {$7800.00}, Account number XX/XX/XXXX Date opened XX/XX/XXXX XXXX. XXXX, XXXX XXXX, Account number XXXXXX/XX/XXXX, Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX, Amount XXXX, Account number XXXXXX/XX/XXXXDate opened XX/XX/XXXX XXXX. XXXX, XXXX XXXX, Account number XXXXXX/XX/XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX, Account number XXXXXX/XX/XXXX Date opened XX/XX/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
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I have tried to call Mohela multiple times to speak with a live representative regarding my forgiveness status with them. The auto system gives a hold time then prompts you to choose another option. If no other option is chosen ( so that I may wait on hold ) the call ends. I have taken time from work to speak with a live representative to no avail. I am calling Mohela to resolve any issues before garnishment is an issue but there is no way to correspond with Mohela. I do not recall signing a contract with Mohela. If my debt has been sold from the original contract then I would like to dispute XXXX contract as I can not speak with a live representative nor do I recall signing a contract with Mohela for them to garnish any missed payments nor to report missed payments to my credit. I would like a copy of the original loan regarding student loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a written request to the CRAs ( see attached letter ) regarding an account reported under XXXX XXXX XXXXXXXX ( Account # : XXXX ). I formally requested documentation verifying the Date of First Delinquency ( DOFD ), as the year reported is NOT correct. This account 's DOFD is very much past the 7-year reporting limit under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ). 

According to the FCRA, negative accounts such as charge-offs and collections may not be reported more than 7 years from the date of first delinquency that led to the account being charged off. the CRAs failed to provide any documentation substantiating the DOFD. Instead, they merely " updated '' the account without : Providing evidence of the DOFD, Explaining how the data was verified ( as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ), or Justifying why the account was not deleted despite appearing to exceed the reporting period. 

This lack of transparency and failure to verify or remove unverifiable information constitutes a violation of FCRA 1681i, which requires consumer reporting agencies to conduct a reasonable investigation and delete any unverifiable or inaccurate information within 30 days. 

I am requesting that the CFPB require the CRAs to : Provide proper documentation validating the DOFD for the XXXX XXXX XXXXXXXX account in question. 

Explain why the account was merely updated rather than deleted, particularly in light of the legal limit on credit reporting duration. 

Delete the account from my credit reports immediately if they can not provide acceptable evidence proving it is still within the allowable reporting window under the FCRA. 

Please see the attached dispute letter submitted t for reference. 

Thank you for your attention to this matter. I respectfully request that the CFPB hold Equifax accountable for compliance with federal consumer protection laws and safeguard the integrity of the credit reporting system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I did not authorize the opening of this false accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: IN

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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX, Wells Fargo sent two {$500.00} remediation checks ( total {$1000.00} ) with vague letters stating " We identified that an error may have occurred related to your approved and finalized loan modification. '' These checks related to two separate loans on a family home that were modified under the Home Affordable Modification Program ( HAMP ). 

Documentation shows temporary interest rates, deferred interest, and debt cancellation. The Second Lien Modification Agreement from explicitly states it was part of HAMP. 

During the bank 's mediation process, they : 1 ) Refused to explain what specific error occurred despite acknowledging one in writing 2 ) Limited the discussion to only one loan, ignoring similar issues with the first mortgage 3 ) Initially offered only {$1000.00} compensation, eventually raising to {$3000.00} after significant negotiation 4 ) Provided no transparency about how compensation was calculated or what the actual error was This matches Wells Fargo 's documented pattern of HAMP modification errors, where their software miscalculated eligibility for loan modifications between XXXX. The CFPB has previously found Wells Fargo " incorrectly denied mortgage loan modifications and miscalculated fees '' during this period.

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 2025-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I need Mr. Cooper to adjust my escrow balance to the correct value, as its wrongly showing a negative balance of XXXX due to two duplicated hazard insurance payments that didnt exist. On XX/XX/XXXX I requested to remove my escrow account and on XX/XX/XXXX Ive received a letter from Mr. Cooper confirming escrow closing notice. 
On XX/XX/XXXX, Mr Cooper, knowing about the escrow removal, paid a Hazard insurance premium of {$6300.00} to XXXX XXXX XXXX, although I have contacted this company and they have neither invoiced Mr. cooper, received or cashed any check related to my home insurance. I have called Mr. Cooper to void the check and they told me it cant be done as it was a batch payment check for multiple insurances in the same company. Still, XXXX havent received neither cashed this check, so this payment is " lost '' somewhere and counted as negative balance to my escrow. 
On XX/XX/XXXX, Mr. Cooper paid for Hazard Insurance AGAIN, on the amount of {$3600.00} ( although it said it had already paid insurance for the same period ), which insurance I quoted and paid myself with my card on XX/XX/XXXX. 
This company, knowing I had removed my escrow account as of XX/XX/XXXX, paid twice for hazard insurances I didnt needed and now I am liable for more than {$10000.00} caused by a mistake by Mr. Cooper . 
I have called customer service and insurance department several times over several days with no support or resolution on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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