vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
I am submitting this complaint as a third-party reporter of mortgage fraud/occupancy misrepresentation to alert Guaranteed Rate, Inc. to a material XXXX knowing misrepresentation made by the borrowers during the loan underwriting process. 

Loan Details : Transaction : Conventional Refinance Loan ( Loan # XXXX ) on property XXXX XXXX, XXXX, TX XXXX ( XXXX XXXX ). * Borrowers : XXXX XXXX and spouse, XXXX XXXX, XXXX .. * Loan Date : XX/XX/year> ( Recorded XX/XX/year> ). * Covenant Violated : The Deed of Trust required the borrowers to occupy the property as their principal residence for at least one year ( Occupancy Covenant, Section 6 ). 


The Material Lie ( Conflicting Homestead Exemptions ) : The sworn promise of principal residency was materially false because the borrowers were simultaneously claiming their primary residence elsewhere : XXXX XXXX XXXX XXXX : For the 2020 tax year ( the year the loan closed ), borrower XXXX XXXX ( owner XXXX XXXX XXXX XXXX claimed and maintained an active Homestead Exemption ( HS ) on a separate residential property at XXXX XXXX XXXX XXXX XXXX, TX. 

Legal Violation : Texas law prohibits a married couple from claiming more than one principal residence/homestead exemption, proving the occupancy statement for the XXXX XXXX loan was knowingly and materially false. 

Proof of Intent ( Rapid Flip ) : The {$510000.00} loan was executed in XX/XX/year>. * The property was sold just 5.5 months later, in XX/XX/year> ( Doc # XXXX ), explicitly violating the one-year covenant and demonstrating the occupancy promise was made with the intent to deceive ( fraud-for-profit ). 

The loan amount over {$300000.00} places this activity at the level of a XXXX XXXX under Texas Penal Code 32.32. Copies of the relevant deeds and tax records are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
Dear Sir/Madam, I am submitting this complaint as a consumer who is actively trying to correct and repair my credit file. After carefully reviewing my Equifax credit report, I found several charged-off accounts that I believe are being reported inaccurately, incompletely, or without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint requesting the immediate removal of incorrect personal information from my credit file and ensuring that my credit report is updated accurately. My correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my correct employer is XXXX XXXXXXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act, credit reporting agencies are required to maintain maximum possible accuracy and completeness of consumer information, as outlined in 15 USC 1681e ( b ). The failure to update and maintain accurate personal information violates my rights under this law. Additionally, this reporting reflects a violation of permissible purpose under 15 USC 1681b, as the bureau is reporting information without authorization or consent. This continued inaccuracy demonstrates clear negligence and noncompliance. I have already escalated this matter by filing a complaint with the Federal Trade Commission, yet these inaccuracies remain unresolved. I am now requesting the assistance of the Consumer Financial Protection Bureau to help resolve this matter and ensure that the credit bureau corrects these errors immediately and complies with the law without any 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 non-monetary relief
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
The XXXX XXXX XXXX Transunion is reporting several of my credit card accounts incorrectly. The current balances that they are reporting are incorrect and they have been incorrect for a few months now. Which is leading to my credit score being negatively affected by Transunion not reporting the correct 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 non-monetary relief
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
I am submitting this CFPB complaint to dispute inaccurate, inconsistent, and unverifiable information that TransUnion is reporting on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX Accounts in Dispute XXXX Account No. XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$8100.00} XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$7300.00} XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$8200.00} Inquiry in Dispute DEPT OF ED XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter is a formal request for validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following documentation : XXXX. The name and address of the original creditor. 
XXXX. The original account number. 
XXXX. The amount of the alleged debt, including a detailed itemization of principal, interest, fees, and any other charges. 
XXXX. A copy of the original signed contract, agreement, or application showing I agreed to assume responsibility for this debt. 
XXXX. Documentation showing your legal authority to collect this debt, including proof of assignment or purchase of the account. 
XXXX. The date of the last payment and the date the account became delinquent. 
XXXX. Proof that this debt is within the applicable statute of limitations. 

Please note that this request is not a refusal to pay, but a request for verification as required by law. During the validation period, you must cease all collection activity, including reporting or continuing to report this account to any consumer reporting agency, until proper validation is provided. 

If you are unable to provide the requested documentation, you must cease collection efforts and request deletion of this account from all credit reporting agencies where it has been reported. 

Any further communication regarding this matter must be in writing only. Telephone contact is not authorized. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My mortgage got sold from XXXX XXXX to Mr. Cooper back in XXXX. I never had any issues or late payments since 2012. But as soon as my mortgage got sold to Mr. Cooper I have had issues. The first month it took them XXXX weeks to build my account so that I could pay them. I called multiple times trying to make a payment. The day my account was built I payed. Mr. Cooper then charged me a late fee and put a delinquent notice on my credit score. I had no way to pay them and tried several times. Since then every month they either don't take my payment from the bank and tell me there is no money in the account even though there is and my bank tells me that no one tried to take a payment out or they take out the money from my account and then put it back. In both scenario 's they charge me fees and fines. I have to resubmit my payment XXXX to XXXX times every month. 
Last month I logged in to make my payment and all of a sudden my last XXXX months payments were gone. They had been reflecting on my account as having been received by Mr. Cooper. Now the money is gone from my bank and Mr. Cooper is claiming that they never had it. But my account was reflecting that they did. I was told that day that I had to go into forbearance that day or I would lose my house. So now I am in forbearance and every time I call I get a different story on what I need to do and how much money I owe them. I have been providing documentation that the money was paid but every time I call they give me a different email address. I have been trying to get them to tell me a way to pay them where the money does not get lost. Mr. Cooper keeps telling me that it is my fault the payments take so long because I have a VA loan and use my bank to pay them. They want me to use XXXX XXXX to pay them instead. I can't even get an answer as to how much money I owe them so that I can pay them. Nor can I get any help as to where is the money they said they had but is now gone but my bank does not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: NH

Complaint narrative:
I am submitting this complaint regarding my auto loan with Global Lending Services. 

On or about XX/XX/XXXX, I sent written correspondence by mail to Global Lending Services XXXX office/ XXXX XXXX XXXX requesting a hardship review, clarification of my loan balance, and assistance with account servicing. To date, I have received no response by mail, phone, or email. 

I am requesting a formal review of how my loan has been managed, including billing, interest assessment, and available hardship or modification options for my past late occurrences. The drunk driver that hit me spiraled me into financial hardships and it was extremely difficult to recover. I have since been on time XX/XX/XXXX months now with GLS and am asking this to be reviewed. I had mailed a goodwill request for my past late occurrences. 

I am not disputing the existence of the loan, but I am seeking clear communication and reasonable assistance. 

I am requesting a written response through the CFPB complaint process outlining the results of this review and any available resolution options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
Dear Sir/Madam, I am filing this complaint regarding inaccuracies on my Experian credit report. As a consumer attempting to rebuild my credit, I discovered multiple charged-off accounts and an unauthorized inquiry that I do not believe are being reported correctly or lawfully. 

Charged-Off Accounts ( Experian ) : Texas XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance {$1200.00} XXXX / XXXX XXXX XXXX XXXX ) Acct # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance {$4100.00} XXXX / XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} Unauthorized / Unverified Inquiry ( Experian ) : XXXX / XXXX XXXX Inquiry dated XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not give this company permission to securitize this debt.

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 2025-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: WI

Complaint narrative:
On XX/XX/year> I submitted the paperwork with a denial letter on XX/XX/year>. 

XXXX XXXX has a settlement which was supposed to help with discharging all of the private loans. I do know they discharged the federal loans but not my private loans. 

I tried to have it discharged on my own time, but Mohela denied it.

I then submitted again, with a different statement - clarifying it doesnt matter how long the time has been, the discharge should occur due to misconduct from the school. This was on XX/XX/year>. On XX/XX/year> it was denied again for the discharge. It was denied for insufficient evidence or length of time. It shouldnt matter the evidence given when there is a clear settlement that was given to them, along with the understanding it took years for the misconduct to be proven and I am unable to use my degree due to the misconduct from the institution XXXX XXXX XXXX 

I do have a claims settlement number for the case- which is why I am very frustrated with the handling of this discharge for Mohela.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-15 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-15 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-15 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-15 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: NY

Complaint narrative:
This account is not on the other XXXX bureaus. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, {$7100.00}, XXXX. I want the collection removed immediately. Due to FCRA codes, 611 ( a ) ( 2 ) ( B ) ; 609 ( a ) ( 1 ) ( A ) ; 6021 ( A ) ; 623 ( a ) ( 3 ) ; 623 ( b ). I have disputed this collection several times with Experian, it has never appeared on the other XXXX bureaus. I have XXXX collections on the other XXXX bureaus. Experian refuses to remove the account. This reporting has caused major hardships in my life.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp.
State: NC

Complaint narrative:
On XX/XX/year>, my vehicle was repossessed. On or about XXXX XXXX on XX/XX/year>, I contacted Stellantis Financial Services to discuss the repossession and reinstate my account. I spoke with a representative, XXXX XXXX, who informed me that my account would be placed on a 10-day hold to allow time for reinstatement and prevent further adverse action. 

On XX/XX/year>, I fully reinstated my account and retrieved my vehicle after paying the full amount required by Stellantis Financial Services. 

Despite reinstatement, my XXXX credit report reflects the account as closed and repossessed, with a reported date of XX/XX/year>. This reporting is inaccurate, as the vehicle was returned and the account reinstated prior to that date. 

On XX/XX/year>, I contacted Stellantis Financial Services regarding this inaccurate credit reporting. I spoke with XXXX in the credit reporting department and later his manager, XXXX. During this call, I was informed that Stellantis Financial Services is experiencing internal technical system issues that are preventing my account from being updated correctly.

I was explicitly told that despite knowing the information is inaccurate, Stellantis Financial Services would not correct the reporting at this time due to internal system failures.

I further requested removal of late payments that are directly associated with the inaccurately reported repossession and account closure. This request was denied. 

Stellantis Financial Services is continuing to furnish information to TransUnion that they have acknowledged is inaccurate, in violation of their obligations under the Fair Credit Reporting Act to ensure information furnished is accurate and complete. 

I am requesting that Stellantis Financial Services : Correct the account status to reflect reinstatement rather than closure or repossession Remove the repossession notation from my credit report Correct or remove late payments that are tied to the inaccurately reported repossession Ensure accurate reporting going forward across all credit bureaus

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 2025-12-15 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: FL

Complaint narrative:
I am not connected to these accounts and request deletion within 15 days, per the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief