vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Summary of Issue : Failure to process a mortgage assumption for a Successor in Interest; bad faith documentation demands ; and lack of communication. 

XX/XX/year> : My divorce was finalized. I submitted the final signed divorce decree to Newrez to begin the assumption process as a Successor in Interest. 

XXXX XXXX  : A Newrez representative indicated that my assumption application was " in good shape '' regarding credit and income, but required proof of completing the equalization payment, which was documented as {$53000.00} in the final divorce decree, but after selling of assets, the final payment to my ex-spouse equated to {$34000.00}. 

Action Taken : I took a loan from my 403 ( b ) retirement account and paid a settled amount of {$34000.00} ( adjusted per agreement ) to the ex-spouse. I provided this proof of payment to the mortgage company. 

Secondary Demand : Despite providing proof of payment, Newrez required an officially amended court decree to reflect the specific $ XXXX amount. I rehired a lawyer and obtained this amended decree at my own expense. 

The Denial : After submitting all requested court documents, Newrez denied the assumption, claiming " lack of evidence that the divorce is finalized. '' This is an error, as the finalized decree was provided at the onset of the application process, and the amendment to the divorce decree was provided throughout the process. 

Current Status : I have been unable to get a response from my loan officer, have gotten minimal response from the underwriter, and told to re-apply and begin the process from the very beginning. Since the re-application, both the loan officer and the underwriter have become completely non-responsive to multiple email inquiries. There is no clear appeal process. 

Escrow Error : On XX/XX/year>, Newrez issued an escrow analysis showing a {$6300.00} shortage, increasing my monthly payment by {$560.00} for the next 36 months. This shortage was never mentioned during the initial months of the assumption underwriting and creates an immediate financial hardship while my application sits in limbo.

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 2025-12-27 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: FL

Complaint narrative:
In XX/XX/year>, XXXX XXXX SOLD and transferred my account to XXXX XXXX XXXX. XXXX provided written confirmation that they no longer own or service this account. 
Despite this, Experian continues to report XXXX XXXX as if they still own the account. This information is inaccurate, misleading, and harmful. 
I requested verification and ownership documentation. XXXX stated they CAN NOT provide further information because they NO LONGER OWN THE DEBT. XXXX XXXX has not reported anything. This means Experian is publishing a tradeline that is currently UNVERIFIED and tied to a company that has no ownership interest. Under FCRA 62
3 ( b ), information that can not be verified must be corrected or deleted. Experian can not legally continue reporting a creditor that no longer owns the account. 
I am requesting immediate investigation and DELETION of this inaccurate tradeline, as well as written confirmation of the results. Re-reporting should not occur unless certified documentation from the current creditor is obtained.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Went to buy goods in XXXX XXXX for an amount of XXXX dollars and when i offered to pay with my card the offered a credit card and i accepted they said opened a XXXX credit card and i waited and waited after a couple of weeks it seemed odd and called XXXX XXXX XXXX received the card. I siggested another addres ( my XXXX XXXX XXXX since its safer when it arrived and i proceeded to activate it it did not acctivate i gaved it a day and retried and didnt work called the number in the back of the card and they said : this card wont work because the account is close due to unpayment balance of XXXX something dollars and i said yes ived been waiting to receive my card and be able to activate it and pay and start enjoying the benefits of it.. but they said theres nothing we can do. You can pay the balance right now and re apply..... i still got the emails and meter offered a way paying becaise when i pressed the pay since i didnt hace any logins and information i coulnt log nad pay

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 2025-12-27 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 extremely concerned because inaccurate accounts continue to appear on my credit report and they have still not been taken off. This situation has left me anxious and overwhelmed. I am urgently asking that all of the documents I submitted be examined very carefully so this problem can finally be put to rest and I can stop worrying about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
To Whom It May Concern, I am writing this because I have formally disputed inaccurate information that appears on my credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires consumer reporting agencies to ensure maximum possible accuracy of the information reported and it has not been done.

After carefully reviewing my credit report, I have identified the following account ( s ) that are being reported inaccurately, incompletely, or without proper verification : -- - # # # Disputed Account ( s ) : 1. Creditor : XXXXXX/XX/XXXX 
Amount : {$250.00} Issue : Account is being reported as a charge-off / derogatory account. I dispute the accuracy and completeness of this reporting and request full verification or removal. 
XXXX. Creditor : XX/XX/XXXX Amount : {$410.00} XXXX : XXXX Amount : {$720.00} XXXX : XXXX XXXX Amount : {$200.00} XXXX : XXXX XXXX XXXX Amount : {$580.00} XXXX : XXXX XXXX XXXX Amount : {$220.00} XXXX : i would also like these hard inquries removed! 
Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX Bank XXXX XXXX XX/XX/year> Experian XXXX XXXX Bank XXXX XXXX XX/XX/year> Experian XXXX XXXX Bank XXXX XXXX XX/XX/year> Experian Issue : One or more collection accounts are reporting inaccurate or unverifiable information. The reporting lacks sufficient detail to establish accuracy and proper ownership. I dispute all collection accounts currently appearing on my credit report and request verification or deletion.

Under 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) and 1681i, you are required to conduct a reasonable investigation into these disputed items and remove or correct any information that can not be fully verified as accurate and complete.

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 2025-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Subject : GoodLeap LLC - Violation of FCRA and FTC Holder Rule - Loan # XXXX Complaint : I am financing a solar system through GoodLeap, XXXX ( Loan Agreement : XXXX ). The solar panels are defective, constituting a material breach of warranty. I have formally notified GoodLeap of this breach and asserted my defenses under the FTC Holder Rule ( 16 C.F.R. 433.2 ) via certified letters on XX/XX/year>, and XX/XX/year>. 

Despite these formal legal notices, XXXX has failed to cure the breach ( replace the panel ). Furthermore, XXXX has retaliated by furnishing negative credit information to the bureaus. I disputed this with the credit bureaus, but XXXX " verified '' the debt as accurate, failing to report that the account is legally disputed. 

Violation : XXXX is violating the FCRA Section 623 ( a ) ( 3 ) by failing to report the account as " Disputed '' and violating the FTC Holder Rule by attempting to collect on a contract subject to a valid consumer defense. 

Resolution Requested : XXXX must immediately : XXXX ) Replace the defective solar panel as promised by their support team, and XXXX ) Delete the negative credit reporting entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: OH

Complaint narrative:
I filed a dispute with Experian regarding a charged off loan. Loan amount was incorrect by more than {$1000.00}. XXXX did not bother to look into this at all. It is Saturday at XXXX when I submitted this and they had an instant decision. The information is incorrect on my report. And it is affecting my credit score

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 2025-12-27 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: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
I filed a dispute with XXXX regarding a charged off loan. Loan amount was incorrect by more than {$1000.00}. XXXX did not bother to look into this at all. It is Saturday at XXXX when I submitted this and they had an instant decision. The information is incorrect on my report. And it is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to dispute the following incorrect information on my credit report. This item is showing inaccurately on my credit profile. Pursuant Fair Debt Collection Practices Act 15 U.S.C. 1692g. You must delete this account unless you can provide me with the following : 1. The Original Signed Agreement 2. Complete Chain of Title 3. Full Account History and validation 4. Forward Flow Agreement 5. Affidavit that you are the legal owner of this debt Be advised since you reported this account without first providing validation you may already be in violation of federal law. Until you can provide proper validation you are required to cease all collection activity and cease reporting this account to any consumer reporting agency, Failure to provide the above documents will be taken as your acknowledgment that you can not substantiate this debt at which point you must delete the tradeline from all credit agencies to which you have furnished this information to. 
If you continue to report or attempt to collect this alleged debt without validating I will have no choice but to pursue all available remedies of filing complaints with the FTC, My State Attorney General and considering civil action for statutory damages. 

This is not a refusal to pay, but a notice that your claim is disputed in it's entirety Govern yourself accordingly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: PA

Complaint narrative:
I don't owe this debt. I never had knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IL

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
I returned an item and was supposed to be refunded by the merchant but they never responded. i disputed the transaction and was denied three times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Kikoff Inc.
State: AL

Complaint narrative:
My credit was charged for something I never received and i explained this and disputed 3 other times and its still there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Subject : Improper Hold and Violation of Regulation CC - False " Endorsement Mismatch '' Claim On XX/XX/year>, I deposited a check for {$19000.00} into my Wells Fargo account ( ending in XXXX ). Wells Fargo placed an extended hold on the entire amount, citing " Endorsement Does Not Match Payee '' as the specific reason. 

I am disputing this hold as a violation of Regulation CC, 12 CFR 229.13 ( e ) ( " Reasonable cause to doubt collectability '' ). 

The Endorsement is Valid : The check is made payable to " XXXX XXXX ''. It was endorsed by me, " XXXX XXXX XXXX '' which matches the payee line exactly. There is no factual basis for the claim that the endorsement is mismatched. Furthermore, checks deposited into this account bearing my signature have been made in the past and would serve as an easy point of comparison should a discrepancy be in question. 

Improper Use of Exception to Withhold Statutory Funds : Under Regulation CC " Large Deposit '' rules ( 12 CFR 229.13 ( b ) ), a bank may extend the hold on amounts exceeding {$6700.00}, but must typically make the first {$6700.00} available. By falsely categorizing this as an " Endorsement '' issue ( Reasonable Cause ), Wells Fargo has improperly frozen the initial {$6700.00} that should have been available to me by the next business day. 

Request for Correction : The bank has failed to demonstrate the " existence of facts that would cause a well-grounded belief in the mind of a reasonable person '' ( 12 CFR 229.13 ( e ) ( 1 ) ) that the endorsement is invalid. The endorsement is clear, legible, and accurate, and similar to past deposited checks. 

I request that Wells Fargo immediately remove the hold or, at a minimum, release the federally mandated initial funds ( {$6700.00} ) immediately, as the " Reasonable Cause '' exception was applied in error.

Desired Resolution Immediate removal of the hold and availability of the full {$19000.00}. Alternatively, immediate release of the {$6700.00} regulated amount and an expedited release of the remaining balance.

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 2025-12-27 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: NY

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
CFPB Agency : Consumer Financial Protection Bureau ( CFPB ) Also Filed With : State Attorney General Company : Bridgecrest Issue Type : Auto Loan / Improper Interest / Failure to Provide Contract Complaint Summary : Bridgecrest has continued to assess daily interest and pursue collection activity without ever providing a copy of the original loan agreement or documentation authorizing such charges. 

Despite repeated requests, I have not received : A signed loan or retail installment contract Documentation validating the interest rate Proof of ownership or right to collect This conduct raises serious concerns under : Truth in Lending Act ( TILA ) Fair Debt Collection Practices Act ( FDCPA ) State Unfair and Deceptive Acts statutes I am requesting that regulators : Require Bridgecrest to produce the original contract Investigate potential unlawful interest accrual Order corrective action and consumer relief I am submitting supporting documentation and request a formal investigation. 

Consumer Name : XXXX XXXX XXXX Contact Information : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for failing to accurately report my XXXX XXXX account ( ending in XXXX ). 

On XX/XX/year>, I entered into a formal settlement agreement with XXXX XXXX to resolve the {$2600.00} balance for a reduced amount. I have fully satisfied this agreement, with the final payment of {$310.00} made by XX/XX/year>. 

Despite the account being legally settled and having a {$0.00} balance, Equifax continues to report the 'Status ' as 'Charge Off ' and includes the remark 'Payment after charge off/collection. ' Under the Fair Credit Reporting Act ( FCRA ), Equifax must ensure maximum possible accuracy. Reporting a settled account as an active charge-off more than nine months after it was resolved is factually incorrect and damaging. I have previously disputed this with Equifax, but they have failed to update the status to 'Settled ' or 'Paid in Settlement. ' I request that Equifax correct the primary status to reflect that this debt is fully resolved.

Company response to consumer: Closed with non-monetary relief