vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: IN

Complaint narrative:
We bought our home/closed XX/XX/XXXX. Our title company credited us for the XXXX property taxes for XXXX of the parcels associated with our mortgage/home. 
Prorations : County Taxes XX/XX/XXXX to XX/XX/XXXX $ XXXX County Taxes XX/XX/XXXX to XX/XX/XXXX {$520.00} Assessments XX/XX/XXXX to XX/XX/XXXX. We received a letter in XX/XX/XXXX stating that we have delinquent taxes for 1/2 of those parcels for XXXX and that parcel will go up for action soon. We have an FHA loan which makes our escrow account out of our control and is decided by our lender. With the lender only budgeting for 1/2 of the parcels associated we have this delinquency against us. 
We have been in contact with our current lender which is lender XXXX due to our mortgage being sold three times and they have claimed they have sent out a check to pay these taxes but when in contact with the county building they have claimed they have not been paid. 

We have also contacted the title company and they have stated that, I put two separate prorations from XXXX for each parcel as a credit to you from the seller. Title companies do this when a lender is holding funds in escrow to pay your taxes when they come due. If you look further down on the settlement statement, under New Loans, there is a line item called property taxes for {$75.00} per month for 5 months. It looks like the lender may have only escrowed enough for one parcel. 

Along with contacting the title company we have been in contact with out first mortgage lender they has no not given us the option to pay this but make us pay it in the long run by us adding this to our current loan and paying it in the long run. 

This has caused my spouse and I much stress as we are reminded daily that 1/2 of our parcels will go up for auction until this tax delinquency is paid. This has stressed us out emotionally and financially as our escrow account is out of our control and we are unable to pay the amount of money upfront as we are financially unprepared for this. With this loan being an FHA we were under the assumption that taxes would be escrowed and handled by our mortgage company and adjusted based off the year. Cardinal financial has left out one of our parcels and failed to recognize this. Causing us to be left with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-13 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 believe this late payment was reported in error and is not in line with my payment record. I ask that you correct this by removing it from my credit file.

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 2025-08-13 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I notified Bank of America sometime in XXXX regarding a transaction I noticed on my statement for {$210.00} some change that I did not recognize. It showed that the transaction was from XXXX XXXX XXXX I have never been to XXXX XXXX. I was in XXXX XXXX and used this credit card at a few establishments. But none of my transactions for such a high amount. I stayed at an all inclusive resort and from the description on the credit card statement it showed it as a bar or restaurant. When speaking with the bank Ive gotten a number of different explanations on how this is actually a real charge but no one can explain to me for what? 

They said it was for XXXX XXXX XXXX but I had used another Credit card for that transaction. I have even contacted them and they stated they do not use the credit card services that it shows it being charged through. Bank of America has denied my fraud multiple times now. I have paid off the card except this charge and now it is gathering interest late charges and will effect my credit score. 

Each time I call Bank of America they will not do anything for me and state that I need to speak to someone else who always appears to not be available. I am so beyond frustrated. 
I need help this is fraud and Bank of America is allowing these fraudsters to get away with this.

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 monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
They are claiming I owe this amount. They are saying we had gas service at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

We have never had gas service at this address. This building is all electric we are in a condo. I believe that this account. I have been a victim of identity theft and I believe this is such case. I live in someone else 's home where no utilities are in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: PR

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, account XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights, This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights, This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: PR

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, account XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights, This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights, This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

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 2025-08-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: PA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer 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 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following items : Collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX account number unavailable Collection account opened at XXXX  XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX  Collection account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Collection account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-13 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:
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 : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} 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, XXXX as proof from the US 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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wrote a check for {$27000.00} to my contractor 's business checking account at Chase Bank. The funds were withdrawn from my account, but Chase is refusing to release the money to my contractor. They claim they can not verify my phone number, even though I am not a Chase customer and have no prior business with them.

Chase is now holding the money and refusing both to complete the payment to my contractor and to return the funds to me.

I have tried to resolve the issue, but Chase continues to block the transaction.

I am requesting that the funds be either : 1. Release to my contractor, as originally intended, or 2. Returned in full to My account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Money didnt transfer over to bank account to pay the XXXX open credit card accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation