vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Account Information Incorrect Balance After Repossession and Vehicle Sale To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my XXXX credit report. The item in question contains an incorrect balance and is therefore being reported inaccurately. 

Creditor/Lender : XXXX XXXX XXXX  Account Number : XXXX XXXX Report Date : XX/XX/year> The vehicle associated with this account was repossessed and subsequently sold. After the sale, a new deficiency balance should have been calculated and reported. However, the balance currently appearing on my XXXX report does not reflect the updated amount after the sale of the vehicle and is therefore incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information. I request that XXXX : Investigate this account with the furnisher of information. 

Update the account to reflect the correct post-sale deficiency balance, or Remove the account entirely if the creditor can not verify the accurate balance. 

Please provide written confirmation of your investigation results and any corrections made to my file. 

I am including copies of supporting documentation ( if available ), such as notices from the lender regarding the vehicle sale, deficiency balance statements, or payment records. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
On XX/XX/year>, I sent a written request to Rocket Mortgage to remove my PMI after my XXXX reached below 80 %. 
I am filing a complaint because Rocket Mortgage is refusing to cancel my PMI in accordance with the Homeowners Protection Act ( HPA ), 12 U.S.C. 4902 ( a ). My homes original property value was {$300000.00} ( sale price at the time of purchase ). My current loan balance is {$240000.00} and has reached 79.9 % XXXX using the original property value, which qualifies me for borrower-requested PMI cancellation under federal law. 
I am not requesting PMI removal based on increased market value or an updated appraisal. I am requesting cancellation solely based on reaching 80 % XXXX using the original value, as the XXXX allows. 
Rocket Mortgage is attempting to require me to pay a {$190.00} property evaluation fee to verify that the property has not decreased in value. This requirement is not permitted under the XXXX unless a borrower is requesting cancellation based on current property value, which I am not. The XXXX requires lenders to honor PMI cancellation at 80 % XXXX based on the original property value without requiring an appraisal, XXXX, XXXX, or valuation fee. 
I informed Rocket that my request is based on original value, but they repeatedly insisted that they will not remove PMI unless I pay the fee. This appears to be a violation of the XXXX and an improper barrier to PMI cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am filing this complaint because I am a verified victim of identity theft, and Experian and Equifax have failed to block or remove fraudulent information from my credit report as required under 15 U.S.C. 1681c-2 ( FCRA 605B ).

I submitted a formal 605B Identity Theft Information Block Request along with the required documentation, but the incorrect information remains on my credit file. This includes fraudulent addresses, an incorrect date of birth, unauthorized accounts, and hard inquiries that I did not authorize.

Incorrect Personal Information My credit report contains personal information that does not belong to me and was added as a result of identity theft : Incorrect Date of Birth : XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Address : XXXX XXXX XXXX, XXXX, TX XXXX I have never lived at these locations nor been associated with these organizations. 

Fraudulent Accounts to Block The following accounts were opened without my knowledge or consent. These are identity-theft accounts and must be blocked under FCRA 605B : 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 {$3800.00} * * I did not open or authorize any of these accounts. They were created through fraudulent activity tied to identity theft. 

Unauthorized Hard Inquiries The following inquiries were not authorized by me and must also be removed : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The credit bureaus have not provided wet-ink signed authorization, which is required to verify these inquiries. 

Failure to Comply with FCRA 605B Under FCRA 605B, the credit bureau must block identity-theft information within 4 business days after receiving the consumers identity theft documentation. Despite submitting my materials, none of the fraudulent items have been removed. 

This continued reporting is harming my credit score, affecting my ability to secure housing, employment, transportation, and other financial opportunities. 

I am requesting CFPB assistance because the credit bureaus have not fulfilled their legal obligations under FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
I am filing this complaint because I am a verified victim of identity theft, and Experian and Equifax have failed to block or remove fraudulent information from my credit report as required under 15 U.S.C. 1681c-2 ( FCRA 605B ).

I submitted a formal 605B Identity Theft Information Block Request along with the required documentation, but the incorrect information remains on my credit file. This includes fraudulent addresses, an incorrect date of birth, unauthorized accounts, and hard inquiries that I did not authorize.

Incorrect Personal Information My credit report contains personal information that does not belong to me and was added as a result of identity theft : Incorrect Date of Birth : XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Address : XXXX XXXX XXXX, XXXX, TX XXXX I have never lived at these locations nor been associated with these organizations. 

Fraudulent Accounts to Block The following accounts were opened without my knowledge or consent. These are identity-theft accounts and must be blocked under FCRA 605B : 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 {$3800.00} * * I did not open or authorize any of these accounts. They were created through fraudulent activity tied to identity theft. 

Unauthorized Hard Inquiries The following inquiries were not authorized by me and must also be removed : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The credit bureaus have not provided wet-ink signed authorization, which is required to verify these inquiries. 

Failure to Comply with FCRA 605B Under FCRA 605B, the credit bureau must block identity-theft information within 4 business days after receiving the consumers identity theft documentation. Despite submitting my materials, none of the fraudulent items have been removed. 

This continued reporting is harming my credit score, affecting my ability to secure housing, employment, transportation, and other financial opportunities. 

I am requesting CFPB assistance because the credit bureaus have not fulfilled their legal obligations under FCRA 605B.

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 2025-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Omni Financial Corp.
State: MS

Complaint narrative:
The auto loan was being paid for by my wife and it had fallen behind. We were notified that the car could be repossessed. I took over making the payments and got it caught up, on time, and current. I then paid off the auto. I kept the car until I sold it this year. I contacted the original owner of the loan to see if I could get the status of repossessed, changed so that it isn't impacting my credit score and report negatively. I only know about this because I tried to buy something and my APR went from 9 % to 14.5 % because of this particular item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: VA

Complaint narrative:
This complaint is directly related to my previous CFPB complaint against VW Credit ( Complaint ID : XXXX ). Please link both complaints, as this filing includes new and urgent evidence of improper conduct. 

Account Number : XXXX Contract Holder : XXXX XXXX After I submitted the original complaint, VW Credit made unauthorized changes to my loan terms inside my online account. These changes were not disclosed, not agreed to, and contradict my original loan contract. 

Original Contract ( verified by my XXXX statement ) : XXXX term Loan start date : XX/XX/XXXX Final payment : XXXX XXXX XXXX payments made as of the XX/XX/XXXX statement XXXX payments remaining No delinquency, no past-due status After filing the CFPB complaint, VW Credit altered the account to show : A XXXX loan term ( never agreed to, never disclosed ) XXXX of XXXX payments made An additional payment remaining inconsistent with the original XXXX schedule A new past-due balance of {$720.00} that did not exist prior to the dispute A new due date and final payment calculation that contradict the terms of the original contract These changes only appeared after my initial CFPB filing and after my call with VW Credits supervisor. 
This appears to be retaliatory account manipulation, which violates : The Truth in Lending Act Fair Credit Reporting Act 623 CFPB UDAAP rules ( Unfair, Deceptive, Abusive Acts and Practices ) I have attached screenshots showing : 1. My original XXXX statement with the correct terms 2. The altered online account showing the XXXX term 3. The newly created past-due balance 4. The contradictory payment counts 5. The modified payoff and due date information Requested Resolution : Immediate reversal of the altered loan terms Removal of the false past-due balance Correction of my payment history to reflect the original contract Freeze of all interest and reporting while the investigation is active Full review of why VW Credit altered loan terms after a federal complaint was filed Closure of the account as paid in full according to the original XXXX contract Please investigate these changes urgently and treat this as a continuation and escalation of my prior complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
I am reporting that IQ Data has incorrectly placed an outstanding apartment balance on my credit report. The debt belongs to my mother, XXXX XXXX, who was the sole leaseholder. My name, XXXX XXXX, was never on the lease agreement, so any outstanding balance from that apartment should not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Date : XX/XX/year> I am writing to formally express my dissatisfaction regarding the recent closure of my CareCredit account. As a long-standing and responsible customer, I was disappointed to learn that my account was closed as a result of returned payments that stemmed directly from incorrect information provided by CareCredit representatives.

I contacted CareCredit on XXXX distinct occasionsfollowing my XXXX payment, again on XX/XX/XXXX, and once more on XXXX XXXX confirm whether a payment could be made from my savings account. On each call, I was informed that such a payment method was acceptable. I relied on that guidance in good faith. However, despite following the instructions given to me, each payment was returned due to the savings account not being located. 
These payment issues were not the result of negligence on my part, but rather of misinformation repeatedly provided by CareCredit representatives. I have never had a payment returned in all my years as a CareCredit customer, making this situation both unexpected and concerning. 
I understand that only chat records are available for review, and the relevant chat ID is XXXX. I also spoke with managers identified as XXXX and XXXX, who were made aware of my concerns and the incorrect information I received. 

Thank you for your attention and consideration. 
Respectfully, 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Business Card Date opened XX/XX/XXXX Balance {$820.00} Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$15000.00} Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$480.00} Account name XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$1900.00} Account name XXXXXXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$3400.00} Account name XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$6200.00} Account name XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$9200.00} Account name XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$8600.00} Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Collection Date opened XX/XX/XXXX Balance {$3100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
There are XXXX trustees for an account of the deceased. I am one of the trustees. I visited a bank branch of Bank of America 2 times in XXXX. My co-trustee has visited a bank branch in XXXX. We have subitted all requested trust documents. I have called their XXXX XXXX department 6 times for a total of nearly XXXX hours. I called on XX/XX/year>, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Plus we have had forms notarized multiple times, and each time we are told that the forms are incorrect or incomplete. We have been unable to close the account for someone who was deceased in XXXX. On my most recent call, I was told that the issue has been " escalated '' but that someone would have to call me back. I was told I would be unable to wait on hold to speak to another agent and the only option was to receive a call back. I have been unable to close the account and have not been given any valid reasons as to why they are unable to close the 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 monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
My mortgage company is NewRez ( i.e. Shell Point Mortgage ). 

PMI should have been cancelled automatically once I paid down to 79 % of the mortgage, which was XX/XX/XXXX. However, PMI was not cancelled until I reached out to the company and requested cancellation more than a year later on XX/XX/XXXX. After receiving my request they promptly cancelled PMI, as requested. However, my concern is that the company did not automatically cancel PMI as they should have when 79 % was reached. 

Assuming this is a pattern for the company, it leaves borrowers/consumers overpaying. In particular, the type of borrower who traditionally needs to take PMI may be less financially literate. I'm writing this complaint so it's officially documented in case this is a pattern by the company.

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 2025-12-04 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: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
XXXX XXXX contacted me from XXXX XXXX telling me that XXXX could get my student loan forgiven. He suggested I make payments that would allow my loan to be forgiven at the completion of the payments or I pay a negotiable amount in full to have my student loan forgiven. I payed XXXX XXXX over {$1000.00} to have my student loans forgiven. I am receiving emails from XXXX XXXX XXXX XXXX XXXX  notifying me of.my student loan being past due. XXXX have attempted to contact XXXX XXXX by phone and email several times. I have received no return call or reply. XXXX XXXX just stole my money for a service they didn't provide. 




Dear XXXX, Thank you for your email. We have received and forwarded it to the relevant team for review. 

If you have any further questions or concerns, please feel free to contact us at ( XXXX ) XXXX. We are available Monday through Friday, from XXXX AM to XXXX PM EST. Alternatively, you are welcome to leave us a voice message. 

Thank you for reaching out to us. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  On XXXX XXXX PM, XXXX XXXX wrote : XXXX Hello, I can't locate the letter. But these are photos of my XXXX XXXX XXXX account which I use to monitor my credit score. There have been > negative changes to both XXXX XXXX XXXX. This shouldn't be the XXXX case if I've paid fory loan to be forgiven.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-04 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 writing to dispute the following items on my credit report as they are inaccurate or unverifiable. Below are the details of the accounts in dispute, separated by each bureau : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-12-04 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: MI

Complaint narrative:
I've requested under the ( fcra ) that they clear all inaccurate information off my credit file meaning incorrect dates to which accounts were acquired, amounts owed are incorrect and way over actual balances owed and some accounts have NOT been properly verified as requested in writing. Asked TransUnion to supply evidence that was used to verify accounts as accurate, was told by rep to contact the companies.

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