vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/year>, my payment was made for the amount of {$2600.00} for my XX/XX/year> billing statement electronically through my bank. The payment shouldve posted to my mortgage account through Newrez the next day. A week has passed and I dont see the payment on my online account. I first inquired by calling and Newrez representative asked me to wait a few more days. After a few days, still no update to my account. I called again and I was asked to provide a the proof of payment which I provided through the companys website. I did a chat with a Newrez representative and they asked me to wait for a few more days through XX/XX/year>. That date came and still nothing. I called again and this time another Newrez representative told me they sent me a communication that they need proof from my bank that the funds were not returned. I never received such communication and ask to send me an email. The representative first sent the managers were out to lunch and will ask to sent me an email after they get back. But after insisting that they sent it now, the representative said the the managers are coming back now and theyll send an email. I never did received that email. After a few days, on XX/XX/year> I sent what theyve asked for the proof of the payment as well as a screenshot of my bank statement showing the funds were never returned on their website. On XX/XX/year> I followed up chatting with another representative and asked me to wait XXXX hours for the resolution. Now its XX/XX/year> and still no resolution or even communication from Newrez. Ive since see they charge me a late payment fee. Im seeking help and would like to add to lots of other Newrez customers that have had complaints about this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
My bankruptcy should not show because it has been over ten years. I would like to have the bankruptcy removed 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 non-monetary relief
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
am filing a complaint regarding the inaccurate reporting of a charged-off auto loan account listed under XXXX on my Experian credit report. 

The account was charged off and shows a written-off amount of {$2300.00}. However, Experian continues to report a past due balance of {$2200.00} as of XXXX XXXX, despite the last status update being listed as XXXX XXXX

This reporting is inconsistent with Metro2 guidelines and violates FCRA Section 623 ( a ) ( 2 ) which requires furnishers to report accurate and updated information. Once an account is charged off and written off, it should not continue to reflect a growing past due balance unless it is actively being collected by the original creditor, which is not indicated. 

This inaccurate reporting creates the false impression that the account is still open or actively past due, negatively impacting my creditworthiness and lending decisions. 

I am requesting that the CFPB investigate this matter and that Experian either : Remove the account entirely from my credit file, or Correct the reporting to reflect a {$0.00} balance with the correct charge-off status and accurate date of last activity. 

I have attached a screenshot from my Experian account for reference and evidence. 


Resolution : Full deletion of the inaccurate account from

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 2025-06-20 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
I contacted support multiple times to help me verify my account because the verification process wouldn't allow me to upload a picture. Despite explaining that I couldn't even insert a picture at all, support kept insisting that I might have uploaded a blurry image. 

Additionally, I borrowed {$30.00} and wanted to pay it back before incurring any late fees, but I was constantly prompted to verify my identity. When I reached out to support for assistance, they informed me that they couldn't help. I even requested to speak with someone higher up, but they denied my request. 

I'm at a loss about what to do next. I have entered all my correct information, but it still doesn't work, and support has been unable to assist me. 
This incident occurred on Cash App. for various days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: First Technology Federal Credit Union
State: OR

Complaint narrative:
15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2025-06-20 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: FL

Complaint narrative:
Dear CFPB, I am filing a formal complaint regarding several accounts that are being reported incorrectly on my credit report after my XXXX  XXXX bankruptcy, which was discharged on XX/XX/year> ( case number XXXX, XXXX XXXX  XXXX XXXX, FL ). 

Despite the discharge, the following issues are present in my credit file : Some accounts still report charge-offs after discharge Incorrect delinquency dates Negative remarks that should no longer be present under FCRA protections The creditors involved include ( but are not limited to ) : XXXX  XXXX XXXX multiple accounts ) XXXX  XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request your assistance in having this information investigated and corrected or removed, in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have attached a copy of my XXXX  credit report and documentation of my bankruptcy discharge for your review. 

Thank you for your attention, and I look forward to a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
Dear CFPB, I am filing a formal complaint regarding several accounts that are being reported incorrectly on my credit report after my XXXX  XXXX bankruptcy, which was XXXX on XX/XX/year> ( case number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

Despite the discharge, the following issues are present in my credit file : Some accounts still report charge-offs after discharge Incorrect delinquency dates Negative remarks that should no longer be present under FCRA protections XXXX creditors involved include ( but are not limited to ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request your assistance in having this information investigated and corrected or removed, in accordance with the Fair Credit Reporting Act ( FCRA ).

I have attached a copy of my XXXX  credit report and documentation of my bankruptcy discharge for your review. 

Thank you for your attention, and I look forward to a timely resolution.

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 2025-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
Reported with the XXXXs in XXXX, XXXX and XXXX. Advising that the reporting of information on XXXX was incorrect. The car was returned to the BMW dealership at the end of the lease and upon inspection the dealership decided to keep the car and sell on their lot. The car was in as it was when we drove it off the lot in XXXX due to the vehicle being in like new condition, they were going to sell the car on their lot and were paying off the loan in full. The last payment on the lease was XX/XX/XXXX and car was returned shortly thereafter. In XXXX of XXXX BMW updated my XXXX to reflect a write off of {$2600.00} along with a status of Paid/Closed. The loan never was late and no money was due at the end of the lease as again, the dealership purchased the car and posted on their lot for sale. Car was sold within a week or two based on their website inventory. I am just looking for the account to 1. ) be deleted or 2. ) to be report as Paid in Full, closed with NO WRITE OFF. I have never had a collection account in ll the years of having credit and this is now showing as a blemish on my report. They also just updated an account on my report with a balance that was opened XX/XX/XXXX and the last payment of XX/XX/XXXX again another lease that was paid off. Not sure if they are all of a sudden cleaning up there system or what but its a mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Self Financial Inc.
State: IN

Complaint narrative:
b'According to FCRA 605b it is illegal to report anything on my credit report without my permission. Please remove this negative item immediately. Thank you.\n\nSELF FINANCIAL/LEAD BANK\nAccount Number- XXXX\nDate Opened - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On or about XX/XX/XXXX I received an updated escrow statement from NewRez. The statement included a significant increase in payment of {$300.00} per month from {$2500.00}. to {$2800.00}. This was due to an error in the escrow statement where they documented my hazard/flood insurance twice in the amount of {$3300.00} each time. I confirmed with my insurance agent that my actual insurance payment was only {$3300.00}. The agent said this happened a lot and I should contact my loan servicer - NewRez. 
On XX/XX/XXXX I contacted NewRez at XXXX XXXX  XXXX regarding this issue. After explaining the problem, the agent said they would contact their insurance/escrow group and have a new escrow statement forwarded to me. This never happened. 
On XX/XX/XXXX I received another escrow statement form NewRez. Same issue still existed. On XX/XX/XXXX I reached out to NewRez at XXXX XXXX XXXXXXXX and spoke with XXXX. After explaining the situation again, she said she would contact the appropriate group and have them make the proper adjustments and send an updated escrow statement. I have received nothing. 
The NewRez website shows that I owe the incorrect amount of {$2800.00}. on my next payment date of XX/XX/XXXX. 
They extoll their great customer service- but they set back customer service decades. Can't even fix a small issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, XXXX and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
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

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 2025-06-20 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-20 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and in fact is paid off and I've attached a copy of my report to this complaint on the following dates. 
- XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. 
I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On or around XX/XX/year>, XXXX XXXX XXXX XXXX began reporting a collection account in the amount of {$930.00} to the credit bureaus under my profile. I did not initiate this account, and I have no direct relationship or contract with XXXX XXXX XXXX. 

I disputed the debt and requested all necessary documentation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), including : A copy of the original signed agreement or application. 
Proof that XXXX XXXX is the rightful owner of the debt. 
Verification that XXXX XXXX has a permissible purpose to report this information on my consumer report. 
Proof of my consent to share or use my personal information. 

Instead of providing proper documentation, XXXX XXXX continued to report the item. As per 15 U.S. Code 1681b, a permissible purpose must exist to access or report a consumers credit data. According to FCRA standards and consumer law, once a debt is charged off and sold or placed in collections, it no longer qualifies as a valid account and should not be reported in the same manner as a creditor account. 

At this point, I consider this account inaccurately reported and possibly fraudulent, and I am demanding regulatory intervention due to non-compliance with federal law and identity misuse.

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 2025-06-20 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-20 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: CT

Complaint narrative:
I want to make it absolutely clear that this complaint is not submitted in error. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my financial stability and overall well-being, placing an undue burden on me during an already challenging 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 2025-06-20 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
There are accounts on my credit report that do not belong to me and were opened without my permission. I had no involvement in initiating these accounts, and I strongly suspect that fraud has occurred. I am formally requesting that these entries be removed from my credit file in compliance with 15 U.S. Code 1681g. I expect this matter to be resolved within 15 days. I have included relevant documentation to substantiate this claim.

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 2025-06-20 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 would like to request a correction of the late payment reported on my credit file. It is not accurate, and I have supporting records that confirm I paid on time. Please take appropriate action to amend this.

Company response to consumer: Closed with non-monetary relief