vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Im writing to express my frustration with the mortgage assistance process and your phone system. I applied for mortgage assistance over a month ago and have yet to receive any meaningful help or updates. 

The online upload portal frequently fails to accept attachmentsafter roughly XXXX attempts, I finally managed to upload my documents, then it shows XXXX duplicates. Shortly afterward, I received a message stating that I needed to speak with someone about my application. 

Unfortunately, its nearly impossible to reach a live representative. I spent XXXX minutes navigating the automated phone system before finally speaking with someone, only to be told to check the portal for updates, which provided no new information. 

Mr. Coopers phone system and support process are unnecessarily difficult and create barriers for homeowners genuinely seeking assistance. I urge you to review my application and fix these issues so others dont face the same frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CONTRACT CALLERS INC
State: IN

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, requesting a reinvestigation and deletion of an inaccurate or unverified account that is appearing on my credit report.

I believe this account is inaccurate, incomplete, or unverifiable. I have no record, documentation, or contractual agreement supporting this debt, and it may be the result of an error or identity misuse. 
I understand that the FTCs XXXX system is currently unavailable due to the federal government shutdown, which prevents consumers from generating or submitting an FTC Identity Theft Report. Because of this, I am proceeding under my FCRA rights to dispute and request deletion of unverifiable data directly through this CFPB complaint. 

Under 15 U.S.C. 1681i ( a ), the credit bureau is required to conduct a reasonable reinvestigation and delete or correct any information that can not be verified within 30 days.

Under 1681s-2 ( b ), the furnisher of the information is also required to investigate and update or remove any data found to be inaccurate or incomplete.

Please provide : The name and contact information of each furnisher used to verify this account ; and Copies of any documentation used to verify the accounts accuracy.

If the account can not be verified within the required timeframe, it must be deleted from my credit file. Failure to comply will be considered a violation of federal law and may result in formal follow-up complaints with the CFPB, FTC, and my state attorney generals office once federal operations resume. 
Thank you for your prompt attention. I request written confirmation of your findings and an updated report reflecting the results of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-04 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 checked my credit report again and the inaccurate accounts are still there. It feels like this issue will never end. I am pleading that my documents be checked with full attention so I can finally stop carrying the stress and worry this has caused me.

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 2025-11-04 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 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: AZ

Complaint narrative:
I do not recognize these accounts ; they must be cleared in 15 days by USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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 requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Account XXXX XXXX Account # XXXX, Reported XX/XX/year>, Balance {$450.00} This account is being reported as charged off. I am requesting a full investigation into the accuracy and completeness of this information. I have not received validation of this debt, and the reporting appears outdated. Please verify the account or remove it if it can not be substantiated. 

Disputed Inquiries None listed. 

Positive Accounts None listed. 

Late Payments XXXX XXXX  Account # XXXX This account is showing a late payment. I am disputing this reporting because I believe the payment history is inaccurate. Please provide documentation showing the exact date ( XXXX ) of the alleged late payment ( XXXX ). If this can not be verified with complete records, I request that the late payment notation be corrected or removed.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-04 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TN

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2100.00} Summary : Several of these accounts reflect a charge-off with a {$0.00} balance, which is contradictory. Additionally, some accounts may be outdated or duplicated across bureaus. I request that Equifax verify the accuracy of each account with complete documentation or remove them if they can not be verified. 

Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Summary : I do not recall authorizing these inquiries. I request that Equifax verify that I granted permission for these credit pulls. Any inquiry that can not be verified as authorized should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My mortgage was transferred from XXXX to Mr. Cooper on XX/XX/XXXX. I received a formal letter via XXXX indicating this, and saying I would have access to my account on XX/XX/XXXX. My payments are due on the XXXX. 

To avoid any potential missed payments, I mailed a payment exactly as instructed in the official letter I received from Mr. Cooper. People paid mortgages this way for YEARS. I mailed the payment on XX/XX/XXXX or XX/XX/XXXX. The check was cashed on XX/XX/XXXX and the payment went through on XX/XX/XXXX. My bank ( XXXX XXXX XXXX ) confirmed the check was endorsed by XXXX XXXX XXXX. 

The payment was never applied to my account. Mr. Cooper does not seem to provide any customer service phone number on their website, so I used live chat. The live chat representatives said they never received my check. But my check was addressed to Mr. Cooper and was cashed. 

I have opened an investigation with my credit union. Apparently, this was a common problem back when Mr. Cooper was called XXXX and is part of the reason they changed their name. I would like to recover my {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: United PanAm Financial Corp.
State: WI

Complaint narrative:
Company : United Auto Credit Corporation ( UACC ) Product : Vehicle loan or lease Issue : Improper payment restrictions and pay-to-pay fees What happened : I have an auto loan with United Auto Credit Corporation that was transferred after my vehicle purchase through XXXX. My loan is in Wisconsin. 

After XXXX missed payment, UAC disabled my secure online payment portal and informed me that I could only make payments by phone or debit. These methods include an additional convenience or transaction fee, even though my monthly statements advertise Automatic Payments Fast, Easy, Free! and show no disclosure of extra charges or restrictions on payment access.

UAC confirmed in writing that the system has placed a block on your account from accepting online payments and that the block can not be removed until the account is brought current. This means that while my account is delinquent, I am forced into fee-based payment channels to catch up. 

My retail installment contract and monthly statements contain no clause authorizing this practice or these fees. I believe this violates CFPB guidance on pay-to-pay fees and constitutes an unfair or deceptive act or practice ( UDAAP ). It may also violate Wisconsins Consumer Act ( Wis. Stat. 422.202 ), which prohibits unauthorized additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Credit card came in the mail that I didnt open or authorize on XX/XX/XXXX. I called Citi card about it they said the card/account was closed but I was receiving letters about said card so I called again on XX/XX/XXXX to find out the card was still open. They say its closed now but dont trust it.

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 2025-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
I have been making auto payments every week for {$100.00} to Mohela for the last XXXX years. As of last year in XX/XX/XXXX, my payments stopped going XXXX Mohela but were still being taken out of my account. I call Mohela EVERY SINGLE WEEK and they tell me they have no updates for me. Over {$2500.00} of my money is floating into thin air for the last year and NOBODY is doing anything about it to help me. I spend several HOURS on hold with Mohela every time I call. I sent proof of the transactions that came out of my bank account to Mohela in XXXX XXXX XXXXXXXX. I have yet to be reimbursed for the money that came out of my account, nor has it been taken off the loan amount. I have made a complaint to XXXX  in XXXX. Mohela has told me over XXXX times that this issue has been escalated. STILL NOTHING XXXX XXXX  LATER!!!! I need this resolved ASAP. This is not fair!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation