vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
In XXXX XXXX, a mortgage investor can not refuse a servicer 's request to pay property taxes from an existing escrow account, even during an active foreclosure. The servicer is legally obligated to use escrow funds for their intended purpose to protect the mortgage investor 's interest in the property. 
Protections for homeowners in XXXX XXXX Even if a foreclosure complaint has been filed, a XXXX XXXX homeowner is still entitled to have their escrow account funds used to pay property taxes. 
If you have an escrow account and your property taxes are not being paid, the Consumer Financial Protection Bureau ( CFPB ) advises you to send your servicer a written " notice of error. '' This can give you additional legal protections.

Carrington stated in CFPB response that the investor denied Carrington request for XX/XX/year> property tax payment. As stated above investor can not refuse to pay property taxes from existing escrow account as Carrington is legally obligated to use escrow. We are requesting Carrington name the investor who denied Carrington request and also are requesting the copies of front & back of the XXXX XXXX checks Carrington stated was used to pay the late quarterly property taxes and interest charged to the account, as XXXX stated they do not have checks in their records. As of this date we are still be charged on our Carrington monthly statement the interest charged due the denial of the investor from XX/XX/year> whose name we still do not have or an answer why Carrington request was denied by investor.

Next, this a formal written request asking Carrington for specific details about each and every XXXX charge on the Transaction History spreadsheet Carrington provided in previous CFPB reply, including what each charge was for, the date of each charge that was incurred, and any supporting documentation including the name of the investor and law firm names for any XXXX transactions. 

Name of investor on Carrington modification denial letter has no authority to make any decisions on any modification application. This is our formal modification appeal to Carrington and CFPB as of Monday XX/XX/year> due to investor named. We will continue to try and submit modification appeal through Carrington online portal but as of yet we have not been able to see anywhere on the modification drop-down to file appeal as instructed by XX/XX/year>. Thus we are filing the modification appeal with CFPB complaint and Carrington will have dated documentation of this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I state that the late payment remarks on my accounts are inaccurate and constitute a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: SC

Complaint narrative:
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.

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MD

Complaint narrative:
My payday at work was on Friday XX/XX/year> but I never received it. It is now the next week still XX/XX/year> And still never received my check ever time I talk to someone they blame my employer and say they messed something up When in fact they didnt they showed me that the check went through to the right account on the right date I dont know what to do now I feel like I just got scammed The mobile bank is chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-08 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX  XXXX XXXX balanced {$100.00} XXXX XXXX XXXX balanced {$350.00} XXXX XXXX  XXXX XXXX XXXX balanced {$2000.00} XXXX XXXX XXXX XXXX balanced {$940.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX balanced {$20000.00} XXXX XXXX XXXX Balance {$3800.00} XXXX XXXX XXXX XXXX XXXX {$41000.00}

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
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: IL

Complaint narrative:
I am demanding immediate removal of the XXXX account being inaccurately reported on my credit file. This account is fraudulent, closed in XXXX, and yet continues to be updated derogatorily in XXXX, XXXX, and XXXX. The data furnisher ( XXXX ) and the credit bureau are in direct violation of federal credit reporting laws. 

Violations Identified : 1. Illegal Re-Aging The account shows new late payments in XXXX, despite closure in XXXX and last activity in XXXX. This violates FCRA 623 ( a ) ( 5 ).

2. Exceeding 7-Year Reporting Period By law, under FCRA 605 ( a ), derogatory accounts may not be reported beyond 7 years. Continued reporting in XXXX is unlawful. 

3. False Balance Reporting Highest balance reported as {$0.00}, yet current balance listed as {$310.00}. This inconsistency violates FCRA 607 ( b ) accuracy requirements.

4. Fabricated Payment History Showing 75 late payments ( XX/XX/XXXX entry ) is impossible and constitutes knowingly furnishing false information ( FCRA 623 ( a ) ( 1 ) ( A ) ).

5. Failure to Mark Fraudulent Dispute As this account was reported as fraud, the bureaus are required to mark it properly under FCRA 623 ( a ) ( 3 ). They have failed to do so.

6. Ongoing Willful Harm Each update is an intentional act of re-aging, prolonging damage to my credit standing in violation of FCRA 616 & 617.

DEMAND FOR ACTION : - Immediate and permanent deletion of this Discover tradeline from all credit bureau reports.

- Written confirmation of deletion within 15 days.

- Full investigation into XXXX  unlawful re-aging and false reporting practices.

If this account is not immediately deleted, I will escalate with legal counsel and file additional actions for damages under FCRA 616617.

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 2025-09-08 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion. I currently have an active dispute regarding a XXXX account that reported negatively. XXXX has been the subject of multiple predatory lending investigations. TransUnion, as the XXXX reporting this account, has an obligation to ensure accuracy and fairness. 

Separately, TransUnion recently disclosed a data breach affecting over XXXX XXXX consumers. I was not notified, despite being a consumer with active disputes. When I attempted to place a credit freeze, TransUnions system initially failed to provide access, denying me federally guaranteed protections. 

This demonstrates a pattern of negligence and harm.

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 2025-09-08 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: IL

Complaint narrative:
Fraudulent accounts on my credit report. 
XXXX 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 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ date of first dispute ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a Wells Fargo Visa credit card reward advertising 25 % XXXX time cash back up to {$50.00} on an entertainment purchase for my Wells Fargo XXXX XXXX card ending in XXXX. The terms of the promo said qualified purchases included amusement parks. 

On XX/XX/year> at XXXX, I made a {$440.00} purchase from XXXX XXXX XXXX an amusement park. I expected to receive the full {$50.00} cash back on this purchase. 

On XX/XX/year> at XXXX, I made a {$15.00} locker purchase at XXXX XXXX XXXX 

On Wednesday, XX/XX/year> I received an email from Wells Fargo Rewards that I had received {$3.00} in rewards from this one-time entertainment promo. {$3.00} is 25 % of {$15.00}. 

When I called Wells Fargo XXXX to inquire why I had received the 25 % reward on the {$15.00} purchase rather than the {$440.00} purchase, they told me it was because the transaction for the {$15.00} purchase posted sooner, which concurs with what is on my credit card statement. 

The customer service rep on the phone said there was nothing they could do to reverse the reward to the larger purchase and that they would file a complaint on my behalf. They did not give me a phone number to follow up on this complaint nor a case number, and I have not heard anything to resolve the issue.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America ( BOA ) is informant of any information that has been conveyed to the credit bureau or myself. I only have very limited information on this matter that I received a statement from Bank of America of some charges that I did not recognize that was within the last year or so and I talked to the stolen card department and I inquired about those charges. Then I gave a recorded statement that I had never applied for that card nor did I receive that card so there was no theft perse. Bank of America took my statement, months went by and I didn't hear anything from them, until I received a billing statement again, there I contacted Bank of America and spoke to an agent. Their representative informed me that the statement was generated before the dispute or before it was processed. The agent further advised me to ignore it as the matter was taken care of. That made me understand that they had resolved the claim as I had remembered an incident before where I had filed a dispute where me calling in was may more than enough as I have been with Bank of America for over XXXX years and have never encountered anything similar. I have less information about this case than Bank of America would have. My banking with Bank of America has been limited. They will be in a better place to inform you of the details. I never received the card, I never applied for the card, months went by and I never heard back from Bank of America. 
Bank of America never advised me of an ID theft. They never advised me to do anything differently. They never told me that any further action is necessary, they are the ones that told me to ignore. Furthermore, every single time that you call Bank of America, it was told to me that all calls are monitored and recorded. I did what I thought whatever was needed on my end and I ended up doing it. I have enough funds on cumulative funds in Bank of America and there is overdraft protection, if they needed any funds, they could have sent me an alert or informed me over the app or send me a request to withdraw funds from another account to cover the balance as they are all connected to each other. From my end, my understanding was complete based on my telephonic interactions with Bank of America, that the dispute has been filed and the card has been closed, and I was not told to do anything differently so therefore I did not. 
I have no information of what Bank of America has informed you, I do not have any further information on this matter. I have filed a report with FTC and the police ( Case # 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal complaint against Experian for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXXXXXX XXXX XXXX XXXXwas previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Experian has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

Experians actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/2025, which is attached and serves as legal notice of Experians violation and my demand for immediate corrective action.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I declare that the late payment remarks reported on my accounts are inaccurate and constitute a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unjust and unlawful.

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 2025-09-08 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: GA

Complaint narrative:
Experian, you replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late.

15 U.S. Code 1666b - Timing of payments ( 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.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I state that the late payment remarks reported on my accounts are inaccurate and constitute a violation of 15 USC 1666. I have consistently made timely payments, and these reporting errors are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX XXXX involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief