vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
2019 I originally took out a FHA XXXX loan in the amount of {$25000.00}. I received in my account {$23000.00}. I was told I received this amount because the {$1600.00} would be used to pay all fees, less than a year after obtaining this loan from XXXX  XXXX, XXXX XXXX  transferred my loan to BSI for servicing. From the very beginning, it was a problem with BSI, first they tried to change my due date for my loan when XXXX XXXX  told them they could not do this. They then started sending me bills with the late charges, even though I paid them at least 10 days in advance each and every month never missing a month never being late! After getting that resolved, I noticed that each and every month they were applying different rates to my principal when I called about this, they stated it depends on when you pay each month ( really strange ) this was never resolved! Now XXXX years later, theyre gon na tell me that I owe {$250.00} because at closing I did not pay this amount, which meant my escrow account was XXXX. The breakdown of my total payment is as follows ; my principle and interest payment is {$230.00}. My escrow payment is {$20.00} which brings my payment to {$250.00} each and every month, which Im going to repeat no payment was ever miss nor was I ever late. The first time I called the young lady told me this was for a title when I insisted that title has nothing to do with the escrow payment. The young lady got off the phone shortly came back and told me yeah were not getting the payment. The title company will get it, so I politely told her goodbye. The next time I called I was told by a customer rep that my escrow account has been XXXX from the very beginning and that I needed to pay this one time payment of {$250.00}, when I requested that they send me in writing the reason for this one time payment and that it would be indeed a one time payment I was told no they would not do that!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
unauthorized hard inquiriesXX/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 explanation
Consumer complaint received 2025-04-10 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: NM

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 explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXX XXXX. MA XXXX Subject : Request for Debt Validation and Assignment Contract Pursuant to 15 U.S.C. 1692c- Account Number- XXXX and XXXX Dear Sir/Madam, I am writing to formally request, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, that you provide validation of the debt associated with the account number [ Account Number ] that your company is claiming. As per this statute, I am entitled to receive sufficient documentation to verify the legitimacy and accuracy of the debt. 
Please provide the following : Assignment Contract A copy of the original assignment contract between the original creditor and your company, showing your right to collect on this debt. 


Chain of Assignment Documentation showing the chain of assignment from the original creditor to your company, including all entities that have owned or serviced the debt prior to your company. 


If these two documents, or any other relevant documentation validating this debt, are not included in your files, or if you can not provide them, I request that you delete this account from my credit report immediately. This deletion should be reflected across all major credit bureaus, including XXXX, XXXX, and XXXX. 
Please provide this information within the 30-day period as stipulated by the Fair Debt Collection Practices Act. If I do not receive the requested documentation within that time frame, I will consider the debt invalid, and I will expect your company to cease reporting this information to the credit bureaus. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NM

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 explanation
Consumer complaint received 2025-04-10 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: NM

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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 identified a XXXX XXXX account on my credit report that was not opened by me. I called XXXX and they told me it was opened, and no payment was ever made. They called it a first payment default. I did not open this account nor use it. I followed the instructions by the FTC about filing an ID theft report and sent it by mail to experian, equifax, and transunion. This item is still on my report and the credit bueraus have ignored my written request. I tried calling them but it takes 90 minutes on hold to talk to someone. I don't have the time to do this with each individual bureau. The documents I mailed should be enough to remove this item from my credit report.

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 2025-04-10 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:
These accounts do not belong to me. I need these accounts removed and blocked from my credit profile immediately. I know my rights under the FCRA ACT and METRO TWO, and I have been a victim of identity theft. Please feel free to contact me if any further assistance is necessary. Thank you for your time and have a blessed day.

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 2025-04-10 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: OH

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 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 2025-04-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern : Subject : Request for Investigation of Inaccurate Mortgage Account Information I am writing to dispute a mortgage account listed on my credit report. I am requesting a reinvestigation into the accuracy and completeness of the information being reported. The details of the account are as follows : Creditor Name : XXXX XXXX Account Type : Mortgage The information currently reported does not align with my records and may no longer be accurate. I respectfully request that your office conduct a reinvestigation of this account, as required by the Fair Credit Reporting Act, and update or remove any information that can not be verified as accurate and current. 

Please find enclosed a copy of my identification and proof of address. 

I look forward to receiving the results of your investigation in writing. 

Sincerely, XXXX XXXX SSN : XXXX DOB : 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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Good day! To whom it will concern - My name is XXXX XXXX. I am filing a complaint against American Express National Bank regarding the mishandling of a check issued from my XXXX XXXX XXXX XXXX  for {$10000.00}. 

I requested a check withdrawal from my account in XX/XX/2025. The check was supposedly issued on or after XX/XX/2025, but I never received it. There was no tracking number, delivery confirmation, or secure method of dispatch provided by American Express. Despite this, I was asked to sign an indemnity form that would transfer full liability to me for a check that I never received and that they can not prove was delivered. 



Background : This account was funded multiple times via direct deposit from my investor banking account at XXXX XXXX. When I attempted to deposit another {$5000.00} in XX/XX/2025, I was informed that I no longer had access to the account for withdrawals or deposits. I was later told the account had been closedwithout ANY notice. 

Since then, I have been locked out of the account entirely, unable to sign in or view any statements or records. I was not given adequate support or resolution, despite contacting American Express multiple times. 


I ask that this matter be escalated to someone with the proper authority to resolve it, such as a supervisor or executive support. 

I have exhausted every reasonable option available through American Express customer service, including multiple calls and email attempts. My emails to XXXX were returned as undeliverable. Online resources also led to broken or missing pages. 



Why this matters : I have acted in good faith and am simply trying to retrieve money that belongs to me. I should not be held liable for an unsecured, untracked check that never arrived. This is causing undue stress and potential financial hardship. 

I am asking the CFPB to investigate and help ensure American Express National Bank returns my funds promptly and securely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

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 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 2025-04-10 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I applied for a XXXX XXXX XXXX  with XXXXXXXX XXXX XXXX  XXXX is under Synchrony Bank. I was approved for {$5600.00}. On XX/XX/year> the contractor from XXXXXXXX XXXX XXXX came and damaged my home with XXXX XXXX, they did NOT Complete installation of vinyl plank flooring, and the contractor inserted mix match planks in my living room and did not complete flooring which left cement flooring exposed for months, and as of XXXX, still left two feet of cement flooring. I called XXXX XXXX  to explain the previous statements and that they did not put my baseboards back or my closet doors back on in my bedroom and dining room. XXXXXXXX XXXX stated they did not have any more vinyl planks available, and I would have to wait for them to be shipped in. The last email of no vinyl planks was on XX/XX/year>. A month after XXXX came and abused me. I had cement flooring more than shown in picture that I am attaching. I called Synchrony, and they reimbursed me {$5600.00}. However, after XXXXXXXX XXXX lied, Synchrony put back on my account {$5100.00} without my knowledge, or authorization. I disputed with XXXX XXXX XXXXXXXX and through Mohawk online site attaching pictures, videos and testimony of friend that XXXX XXXX contractor discriminated against me by taking my bathroom towel and using it to clean up black, smelly soil. The contractor then hung my towel back up on my towel rack. He did NOT have my permission to use. This contractor ruined my home with mix match planks, and damage to my home, and uncompleted work. Therefore, Synchrony Never Ever should have given them {$5100.00} without my authorization or without my knowledge.

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 2025-04-10 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. it's my understanding that Experian will investigate this account for me to insure accuracy Here are the accounts I am asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXXXXXX ( account number : XXXX ) XXXX XXXXXXXX XXXX  XXXX ( account number : XXXX ) XXXX XXXX XXXX ( account number : 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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Had a phone call from a scammer pretending to be someone from my XXXX XXXX. They spoofed the phone number so I thought it was my XXXX. They asked me for login credentials, then added a card to Cash App. They claimed that there was an unauthorized deposit that need to be withdrawn using cash app. They logged into my cash app account and added a card where they then withdrew XXXX from my XXXX  to send to the card that was linked in my profile. My XXXX  filed a dispute claim and we contacted Cash App to find a resolution. Cash App provided a case XXXX  of XXXX filed via chat and then a XXXX  of XXXX after a phone conversation. They were very vague and said that they didn't have a time frame for resolution, just that I would receive an email. Couldn't provide details on how it would be resolved either. My XXXX XXXX XXXX  XXXX helped me and I filed Police report XXXX  XXXX with the XXXX XXXX Police department XXXX this as well. I noticed on the CFPB website where Cash App has known fraud issues and isn't resolving fraud issues in a timely manner and allowing these types of transactions to continue without recourse. I would like to have someone provide a better resolution as I was the victim of this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
As of XX/XX/XXXX, I became aware of several fraudulent entries on my credit report. I did not apply for or authorize any of the following accounts, and I have no affiliation with them : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX  ( Other ) Opened on XX/XX/XXXX These accounts were opened using my personal information without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
I am a victim of identity theft. There are several credit cards and car loans that i didnt give anyone permission or authorization to open.

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 2025-04-10 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: NC

Complaint narrative:
I am a victim of identity theft. There are several credit cards and car loans that i didnt give anyone permission or authorization to open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

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 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 2025-04-10 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: LA

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 response to consumer: Closed with explanation