vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Despite multiple submissions of valid hazard insurance  coverage documents, Shellpoint improperly force-placed lender hazard insurance on my property and has charged my escrow account the following amounts : {$1000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$490.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$490.00} XX/XX/XXXX $ XXXX XX/XX/XXXX Total : {$5900.00} Additionally, I have received a notice from Shellpoint stating that they intend to charge {$6200.00} for another year of lender-placed insurance. This is despite the company having been provided with valid proof of coverage multiple times and evidence that I am the successor in interest to the property associated with the above-referenced loan, following my mother 's death. 

Supporting Timeline XX/XX/XXXX I faxed Letters Testamentary, Death Certificate, and Deed of Ascertainment. 
XX/XX/XXXX I spoke with XXXX, was told no insurance documents were on file, and re-faxed declarations pages. Our Insurance Agent, XXXX XXXX, faxed over the documents. 
XXXX XXXX I was again told documents were not received. I uploaded them to your designated website. 
XX/XX/XXXX I spoke with XXXX XXXX. On that call, I transmitted the forms again, was assured they were received, and told the matter was resolved. 
XX/XX/XXXX I spoke with XXXX, who said the only issue was the property city discrepancy ( XXXX vs. XXXX ). I was instructed to obtain an XXXX verification letter. 
XX/XX/XXXX I uploaded the XXXX letter from the XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
XX/XX/XXXX I received another notice claiming no proof of insurance was on file and was charged again for lender-placed insurance. 

This is a clear error and an unreasonable servicing practice. I sent XXXX on XX/XX/XXXX via certified mail and have the receipt and tracking info to prove that the company received the information at their XXXX XXXXXXXX XXXX XXXX  XXXX, NC address XXXX 

On XX/XX/XXXX, I received a letter in the mail from Shellpoint, acknowledging my recent inquiry. It has now been over 30 days, and I have received no further information. Additionally, a new mortgage statement has arrived for XXXX, and lender-placed insurance is still included, and another {$500.00} has been charged to my account.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm writing to dispute inaccurate personal information that's currently being reported on my credit file. After reviewing my report, I noticed that some of the details under my personal information section including name variation ( s ), addresses, or possibly even employment data are incorrect and not associated with me.

Let me be clear : I dont live at those addresses, I never used those name variations, and if theres employment or other identifying information listed that doesnt match up with my actual history, then it should have never been there in the first place. This kind of inaccurate personal information is not only misleading, its affecting how my report is matched with accounts, and it opens the door to errors, confusion, or worse identity mix-ups.

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 2025-10-09 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX Account name : 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 2025-10-09 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX Account name : 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: CO

Complaint narrative:
My recent loss-mitigation application is complete ( resubmitted due to Selene 's prior predetory offer ) and Selene stated a written decision will be mailed on XX/XX/year> ( I requested a same-day PDF ). I delivered a Notice of Servicing Violation ( NOSV ) that was delivered XX/XX/year>. I have attempted to resolve via phone, email/portal, fax, and mailed NOE/RFI letters .

Continuity of contact : I am routed only to note readers. The named XXXX XXXX  ( earlier letters signed by XXXX ; most recently I was told XXXX XXXX and agents confirm the XXXX has no decision authority. I can not reach underwriting or someone empowered to make/confirm decisions. 

Decision transparency : Selene cites investor guidelines but has not provided the XXXX inputs & outputs used on my file or the specific investor-guideline excerpt/citation they relied on ( including any exception request/decision notes ). 

Escrow/servicing items affecting affordability : Disclosures reflect XXXX  taxes $ XXXX and XXXX $ XXXX ( ~ $ XXXX base ). My XX/XX/year> statement shows negative escrow {$6800.00}. I requested source tax/insurance bills and the escrow analysis worksheet ( e.g., the ~ {$4300.00} shortage figure ) to reconcile ; not all source documents have been produced. I also asked whether a payment only to escrow shortage would trigger an off-cycle escrow re-analysis and revised XXXX ; I was told any payment would be applied to past due/arrears, not escrow. 

Hold/appeal : I asked for written confirmation that foreclosure remains on hold through the decision and during a written appeal/reconsideration window, plus the appeal method and a calendar-date deadline. I also asked for a PDF of the decision the day it is mailed. 

Prior CFPB complaints : These issues were raised previously but remain unresolved after partial explanations in CFPB Case # XXXX ( company response XX/XX/year> ) and CFPB Case # XXXX ( company response XX/XX/year> ). XXXX XXXX XXXX items still missing : ( 1 ) continuity of contact ( 12 CFR 1024.40 ), ( 2 ) information transparency ( XXXX inputs & investor-guideline excerpt ), and ( 3 ) hold/appeal process. 

This filing is process-only ( no document submissions while their review is frozen ). 

The information I requested from the company : XXXX inputs & outputs ; investor guideline excerpt relied on ; written foreclosure hold ; decision mail date + same-day PDF ; appeal method & deadline ; empowered contact ; escrow source bills + escrow analysis worksheet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NV

Complaint narrative:
Failure to Properly Investigate and Ongoing Delays in Credit Dispute I am filing this complaint against TransUnion Credit Bureau for failing to properly investigate my credit disputes and for causing unnecessary delays in resolving my case. I have already provided all requested documentation and supporting evidence, yet TransUnion continues to delay or ignore my dispute requests without providing a proper or thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I provided TransUnion with all the necessary information and documentation to identify and correct the inaccurate information appearing on my credit report. Despite having more than enough evidence to verify the inaccuracy, TransUnion has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 

These delays and lack of proper investigation are negatively affecting my personal growth, financial opportunities, and overall credit standing. Because of TransUnions inaction, I am being prevented from progressing financially including improving my credit, qualifying for better financial products, and reaching important life goals. 

I am requesting that TransUnion complete a full, fair, and timely investigation into my disputes and provide me with an accurate updated credit report immediately.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HAWAIIAN, INC.
State: VA

Complaint narrative:
I am writing regarding a dispute I filed for 2046. I was issued a provisional credit, but the credit was reversed on XX/XX/year> without any prior written notice or explanation. Under federal law ( Regulation E for debit card disputes, or Regulation Z for credit card disputes ), the bank is required to provide written notice of the results of the investigation before or at the time of reversing a provisional credit, along with the documentation relied upon. I did not receive this notice. Because proper notification was not provided, I am requesting : That my provisional credit be reinstated until I am furnished with the required written explanation. A copy of the final investigation results and all evidence the bank relied upon. Please confirm when I can expect the reinstatement of the provisional credit and receipt of the written documentation. The improper reversal has caused financial hardship because I was not prepared for the sudden withdrawal of funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America for {$1300.00} in missing funds from my checking account. 
What Happened : Approximately 6 Months ago ( around XX/XX/year> ) And Yesterday ( XX/XX/XXXX ), two separate transactions were processed on my account : Transaction 1 : {$500.00} XXXX XXXX. 
Transaction XXXX : {$1200.00} Wire Transfer. 
transaction XXXX showed as pending in my account and my available balance was reduced accordingly. However, within days, said transaction completely disappeared from my transaction history. The money was never returned to my account. 
My Attempts to Resolve : I called Bank of America multiple times immediately after noticing the missing funds. Each time : I was told there was no record of these transactions Representatives were dismissive and rude No investigation was conducted I was made to feel like I was imagining the problem TRANSACTION 2, a {$1200.00} wire transfer was shown as pending. My available balance was not increased NOR decreased. Today The transaction is credited and once again, my balance is neither increased or decreased. I called today ) XX/XX/XXXX ) XXXX am. And was told they can not see my transaction history and can not help me? 
The problem? Bank of America does not reflect real balances from my account, transaction1 briefly appeared as pending, then the transaction records were deleted entirely from my account history. Transaction 2 Never reflected. The funds were never credited back. I have no transaction record, but my account balance is {$1700.00} lower than it should be.

What Im Requesting : 1. A full investigation into where my {$1700.00} went 2. Return of my missing funds 3. A written explanation of what happened 4. Assurance that this will not happen again I am a customer in good standing who has tried to resolve this through Bank of Americas customer service without success. The fact that transactions can disappear entirely from account records while funds remain missing is a serious violation of my consumer rights. This is NOT the first time.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution 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 2025-10-09 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: IA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I had the service but was unsatisfied with the service so I cancelled and mailed the devices and everything that belonged to XXXX cable back to the company XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NJ

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 


ACCOUNTS : 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 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 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 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 2025-10-09 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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