vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
What happened? 
I have been trying to complete a mortgage assumption with NewRez LLC for over 14 months without any response or progress. Following my divorce, my ex-spouse was awarded the property and needs to assume the mortgage as stated in our divorce decree. 
Timeline of Events : XX/XX/XXXX : Initial assumption request sent to XXXX XX/XX/XXXX : NewRez responded asking if divorce was finalized XX/XX/XXXX : I confirmed divorce was finalized XX/XX/XXXX : NewRez sent detailed instructions and assumption package NewRez stated the process would take 90-120 days after receiving documents Since XX/XX/XXXX : Complete silence from NewRez despite multiple follow-up attempts XX/XX/XXXX : Contact with NewRez over the phone where they were unable to help. 

Key Issues : NewRez has not responded to any communications for over one year They promised a 90-120 day timeline but have exceeded this by over 300 % I remain legally liable for a mortgage on a property I no longer own per divorce decree This delay is causing ongoing financial and credit risk to me My ex-spouse can not properly assume responsibility as ordered by the court Company Information Company Name : NewRez LLC Product : Mortgage Servicing - Assumption Processing Account Number : XXXX Loan Reference : XXXX - XXXX - XXXX - XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX Additional Information for CFPB Have you contacted the company? Yes, multiple times over 14 months via phone and email to XXXX Company 's stated timeline : 90-120 days from document submission Actual time elapsed : Over 420 days with no response Financial harm : Continued liability for mortgage I should not be responsible for Potential credit damage if payments are missed Unable to qualify for my own housing due to this existing mortgage liability Legal compliance issues with divorce decree Supporting Documentation Available : Email chain with NewRez from XX/XX/XXXX Divorce decree awarding property to ex-spouse Assumption package provided by NewRez Timeline of all communication attempts

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-17 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 have identified a fraudulent collection account listed under my credit report which I neither incurred nor authorized. This is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C 1681i ).

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 2025-07-17 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
I am requesting the removal of this fraudulent account that has been reported on my credit report. I am a victim of identity theft and this account is not mine and were opened without my knowledge or authorization. 

FRAUDULENT ACCOUNT : 1. ) XXXX XXXX  - DATE OPENED XX/XX/year>24 In accordance with the Fair Credit Report Act, I am requesting that these fraudulent account be permanently removed from my. credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
Beginning in XX/XX/year>, I began sending in documentation including a QWR to Rocket Mortgage for specific information related to my mortgage " loan '' account, including but not limited to : * full payment history * original loan agreement or promissory note with wet ink signature * escrow account breakdown * proof of debt ownership or chain of assignment * servicing transfer details * fee explanations or charges applied * a full accounting including all forms ( fr 2046, IRS forms 1099, etc ) Under 12 CFR 1024.36 ( Regulation X ) Rocket Mortgage, as a mortgage servicer, is obligated to provide a substantive response within 30 business days ( or 10 days for certain requests ). As of the date of this complaint, Rocket Mortgage has : * provided an incomplete or evasive response * continued to take adverse action despite the pending request Harm and Impact : This failure has resulted in : * Unnecessary stress and confusion regarding my mortgage obligations * Potential reporting to credit bureaus without proper documentation * My inability to verify or dispute charges or terms on my account * A violation of my rights under federal mortgage servicing rules Relief requested : I respectfully request that the CFPB : 1. Investigate Rocket Mortgage 's failure to comply with federal disclosure requirements.

2. Compel Rocket Mortgage to provide the full and complete documentation I requested.

3. Ensure Rocket Mortgage is held accountable for any violations of RESPA or CFPB regulations.

4. Prevent any negative credit reporting, foreclosure action, or penalties during the dispute period.

Discharge mortgage or send back payment tendered in amount of {$150000.00} via registered security ( promissory note on commercial paper equipped with USPS postal stamps )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I've received call in regards to identity theft and auto accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I have a current credit card with indigo ( my only credit line with them ). They incorrectly reported my balance on XX/XX/XXXX instead of reporting my balance ( based on the end of cycle on XX/XX/XXXX ) as per contract. 
When I complained about it previously to CFPB, Indigo responded with some account that I know nothing about, and did nothing to answer my questions about my actual account. Indigo has been doing shady business and reporting since Ive opened the account. I dont want to just close the account because then I would lose out on {$75.00} and it would negatively effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Im currently financing my car through Westlake Financial and using a third-party service called XXXX to make my payments. XXXX is set up to withdraw {$270.00} from my account every two weeks and then send the full $ 540 monthly payment to Westlake. However, there is a recurring issue where Westlake doesnt recognize or reflect the payment until the actual due date or later because of how XXXX sends the money. 

For example, my {$270.00} payment was due the week of XX/XX/XXXX, but I wasnt able to make that payment. As a result, I now have to pay the full {$540.00} to be caught up. But Westlake wont even request the funds from XXXX until XX/XX/XXXX, meaning their system shows nothing is wrong until its already too late to get any help or support. 

Today, XX/XX/XXXX, I spoke with a Westlake representative, and they told me my next payment isnt even due until XX/XX/XXXX which is inaccurate and only proves the disconnect between the systems. Because of this, I cant request deferment, assistance, or any form of hardship help, since both companies are working with outdated or incomplete information. 

This puts me in a frustrating and unfair cycle where Im trying to be proactive, but no one can or will help me until Im already considered late, and by then its too late. Ive contacted both companies several times and havent been offered a real solution from either one. Im doing everything I can to communicate and stay current, but the broken communication between these companies is working against me.

This setup feels disorganized, misleading, and financially harmful, and I believe its important this issue be looked into before it causes more damage to me and others in similar situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Most recent payment was applied incorrectly. Account has been updated and shows no payment is due at this time. Credit report does not reflect current account status. Next payment due is XX/XX/2026. 

XXXX not applied to installment accounts to protect my rights as a service member.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
On XX/XX/scrub>, 2025 Request for removal of collection entry compliance with FDCPA A letter serves as a formal request for the removal of collection account associated with the consumer credit file of XXXX XXXX and associated with 2 XXXX XXXX account Pursuant to the fair debt collection practices act ( 15 USC 1692 ) Specifically ; 15 USC 1692g ( Notice of debt ) I am

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 2025-07-17 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX - My leased vehicle ( XXXX BMW  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) was caught in a flash flood, that occurred, that day, due to extremely heavy downpour. The car stalled, on the road and required to be towed and taken to storage facility. 
A settlement agreement was reached several weeks later after negotiating the storage fees, with the towing company. On XXXX XXXX After I called BMW and confirmed, that they will deduct {$4700.00} from the total settlement so they can issue XXXX XXXX the title and instead of the settlement check be provided to myself- it will be provided to BMW. 
As of XXXX BMW has cashed the settlement check and has issued me a balance of {$5700.00} ( which includes a {$1000.00} deductible- which I am responsible for and {$4700.00} ) which was previously agreed to be deducted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
Subject : XXXX XXXX Account # XXXX Amount {$6600.00} Request for Account Information and Form 1099-C Dear Consumer Financial Protection Bureau, I am writing regarding an account listed on my credit report. Please note that I am not disputing the amount owed. However, I am requesting specific information to ensure the accuracy and completeness of the records associated with this account.

I respectfully request the following : The date of first delinquency The date of last payment The date the account was charged off A copy of Form 1099-C, Your assistance in providing this information would be greatly appreciated. Please let me know if any further documentation is required in order to process my request.

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ), the bureau is required to conduct a reasonable reinvestigation within XXXX days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. 
Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA XXXX ( b ) / XXXX XXXX. XXXX ( b ). 
The XXXX XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

Bankruptcy chapter 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
the collection agency has been sending numerous of emails after they have already closed this account, and charged it off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
As mandated by the Fair Credit Reporting Act, credit information must be accurate and reflect only authorized activity. I noticed hard inquiries on my report that I never approved or initiated.

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