vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — VA 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Nationstar Mortgage LLC ( d/b/a Mr. Cooper ), acting as servicer for XXXX XXXX, began collecting on a substituted loan number ( # XXXX ) without any contractual agreement, disclosure, or borrower consent. I never signed any document acknowledging this new loan number. The original loan and security deed were rescinded in XX/XX/XXXX under the Truth in Lending Act ( TILA ), as clarified in XXXX XXXX XXXX, with notice properly recorded and sent to all necessary parties, including Nationstar and XXXX  XXXX XXXX ( XXXX ). Both entities were given sufficient opportunity to challenge the rescission in court but failed to do so within the statutory period constituting legal acquiescence. 

Nationstar acknowledged in a XX/XX/XXXX resolution letter that the original loan had been closed and that the unpaid balance had been transferred to the new number. My communication made clear that any attempt to validate this substituted loan required proof of closure of the first not as agreement, but as a challenge to their unproven authority. No such proof or contract was ever provided. 

To assist in resolving the matter, a structured debt validation questionnaire was submitted, designed to elicit clear yes/no responses regarding authority, contract status, and claim validation. Nationstar failed to complete or return the questionnaire. 

Despite these open disputes, Nationstar continued servicing and initiated foreclosure through XXXX XXXX, relying on the rescinded security deed while referencing the substituted loan number in correspondence and foreclosure notices. The foreclosure was triggered using a corporate assignment filed nearly XXXX years after the original servicing transfer, misidentifying the original loan number and improperly using MERS as a vehicle for assignment authority. 

Nationstars responses repeatedly referenced XXXX  XXXX XXXX as both the servicer and the investor, creating significant confusion about the true party in interest and undermining transparency and disclosure requirements. 

Multiple Qualified Written Requests ( QWRs ), Notices of Error, and FDCPA debt validation letters were submitted in XXXX and XXXX, requesting proof of claim, a full accounting, and authority to collect. Nationstar responded without documentation, instead citing internal policies, trade secrecy, or by returning a copy of the original closing documents ( e.g., amortization schedule, security deed, VA riders, and note ). These materials failed to validate the debt being collected, address the substituted loan number, or satisfy their obligations under RESPA or the FDCPA. This has resulted in active foreclosure proceedings without lawful standing, disclosure, or contract enforcement rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-29 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : No Permissible Purpose Credit Inquiry To Whom It May Concern I recently received a copy of my credit report. The credit report showed a credit inquiry by your company on XX/XX/year> that I do not recall authorizing. I understand that your shouldn't be allowed to put an inquiry on my credit file unless you have a permissible purpose per FCRA Section 604. You have no permissible purpose so please have this inquiry removed from my credit file immediately. 

I need your prompt response to this issue. Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed to my address above. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this along with your certification to the bureaus that certifies your permissible purpose. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I am a victim of identity theft. I discovered that accounts were fraudulently opened in my name and reported to ChexSystems and XXXX XXXX XXXX  without my knowledge or authorization. 
These accounts negatively affected my ability to open bank accounts and have caused financial and emotional distress. 
The following information in my consumer reports is inaccurate due to identity theft and inaccurate personal information : 1. Accounts opened that I did not authorize 2. Incorrect and outdated phone numbers and addresses not associated with me.

I have never conducted business with the institutions that opened these accounts, and I did not authorize anyone to use my identity for such purposes. I am requesting that these fraudulent items be removed from my consumer file and blocked under my rights afforded by the Fair Credit Reporting Act ( FCRA ) 605 B.

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 2025-07-30 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: CA

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a proper reinvestigation of inaccurate late payments on my closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. I disputed this account as inaccurate, but Experian verified it as accurate without providing any supporting documentation or explaining the Method of Verification ( MOV ), in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 7 ). Under FCRA 609 ( a ) ( 1 ) ( A ), I have the right to know how Experian verified this information, yet they failed to provide any details. Experians actions also violate FCRA 623 ( a ) ( 1 ) ( A ) because the information being reported by XXXX is unverifiable and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I tried to dispute transactions on my Wellsfargo credit card. I disputed the transactions and they did not resolve them. I provided the information they requested such as why I received other refunds from XXXX and how they were not related to the purchases I was disputing from XXXX. Wellsfargo kept making excuses to why my disputes were not moving forward. They kept saying I was not providing proof that I never got refunded from XXXX. They kept asking for more and more information until eventually they said it was too late to continue the disputes even though I have been checking in and trying to resolve them for months. 

The disputes I had trouble with were {$110.00} From this amount I did a partial dispite for XXXX. The claim number was XXXX. I attached pictures that the item was returned and the tracking. It shows I was not refunded. 

The next amount was XXXX on XX/XX/year>. I did a partial dispute for that amount for XXXX. The claim number was XXXX. I attached pictures that the item was returned and the tracking. It shows I was not refunded. 

The next dispute was XXXX on XX/XX/year>. I did a partial dispute for XXXX. The claim number was XXXX. I attached pictures that I was not refunded and the tracking number show it was returned. 

These items were returned to XXXX. I tried to solve them with XXXX because I was not refunded for them. XXXX did not refund me so I disputed them off of my Wellsfargo card. Wellsfargo kept asking for more and more information and eventually said it was too late to continue the disputes. I really felt like they were avoiding the dispute so they were not held responsible. I would like to be refunded for the items I returned and the interests they acquired. Thank you. 

I have attached documents that show the items were returned. This is the same documentation I sent Wellsfargo before months ago, and they still kept questioning me. My other credit card companies never needed any more proof than the tracking number and showing it was returned and never refunded.

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 2025-07-30 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: IL

Complaint narrative:
Hello Experian is showing my personal address as incorrect and reporting a negative account that is not only closed but failed to report the date of delinquency. I have tried to dispute with them on the following date of XX/XX/XXXX and they failed to due a proper investigation. Not to mention my information was exposed on the dark web due to Experian as a XXXX customer that included personal info. I also would like hard inquiries removed they are appearing and I never applied for credit.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: PA

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 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Dear Mr. Cooper, I am writing to formally request an extension for submitting my loan modification application. Due to unforeseen circumstances, I required additional time to retrieve several necessary documents that will support my application. 

I want to emphasize that losing my home to foreclosure is not an option for me, as I am fully committed to resolving this situation. My goal is to work collaboratively with your team to negotiate a feasible solution that enables me to retain my residence. 

However, I must also express my readiness to take necessary actions if this matter can not be resolved promptly. Should negotiations fail, I will have no choice but to file for bankruptcy, which would immediately halt all collection activities. I genuinely hope it does not come to that, as I believe we can find a mutually beneficial resolution. 

Thank you for your understanding and attention to this matter. I look forward to your prompt response regarding my request for an extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I'm filing this complaint because TransUnion is still reporting these unauthorized and unverified accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I already disputed these accounts and provided all supporting documents, including my ID and utility bill, so there's no reason they should still be showing. These accounts were reported without my written consent, which violates 15 U.S.C.1681b ( 2 ). Under the FCRA, a consumer report may only be furnished when I give written instructions, and I never did. I also previously identified these as related to identity theft and submitted proper documentation, which triggers 15 U.S.C. 1681c-2. TransUnion was required to block or delete the information within 15 business days, and they failed to do that. As of today, I am formally requesting TransUnions Method of Verification under 15 U.S.C. 1681i ( 7 ). I want to know who they contacted, how they verified it, what documents were reviewed, and where they got a wet signature if theyre claiming this was authorized. Just sayingverified is not enough. Theyre also violating 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Reporting unauthorized data that Ive already disputed shows they are not fulfilling that duty. This has seriously impacted my credit and harmed opportunities related to my business. I'm demanding the immediate deletion of these accounts, a full Method of Verification response, and an updated copy of my report. Im giving TransUnion 15 days to fix this or I will escalate this matter, including legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. This is not a new issue ; Ive tried resolving it before, and now I expect it to be taken seriously.

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 2025-07-29 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: IN

Complaint narrative:
i would like these accounts and inquires to be remove so my credit report can update accurately Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.

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 2025-07-29 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: NC

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-29 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MD

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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