vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
After my husband passed away, I began the process of having his name removed from our joint mortgage with Mr. Cooper. I am not asking for a loan modification or new terms. I simply wanted his name removed due to his death. Despite this, I was told I must go through a full underwriting process! Just to remove a deceased person from the paperwork. 

This means Ive been asked to dig up years of W-2s, write letters of explanation for minor gaps in employment, and resubmit financial records over and over, all while grieving. The loan itself isnt changing. My payments arent changing. My interest rate isnt changing. Im not taking out any equity. Ive been the one making every payment on this loan, and I plan to continue doing so. 

If I dont qualify through underwriting, they simply leave his name on the loan, as if he might return and start contributing again. Hes dead. And if I do qualify, they will still charge me closing costs estimated to be over {$3000.00}, just for the privilege of updating the paperwork. 

Its inhumane and exploitative. Other institutions handled this matter with compassion and efficiency, my county removed his name from the deed immediately with just a death certificate and signed paperwork. No hoops. No heartless bureaucracy. 

But Mr. Cooper has treated this like a revenue opportunity, not a bereavement process. I get to continue to see his name on every document until I jump through their hurdles. I cant sell my house until I pay them additional closing costs, all because my husband died. So, if my husband were still here, I would still have him and {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year> a teller at Wells Fargo bank in XXXX XXXX NV allowed someone to withdraw XXXX from my bank account without proper identification. I noticed the withdrawal and immediately contacted the bank, spoke with supervisors and they closed claim saying nothing could be done

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 2025-07-08 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: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
Theres a lease on my credit with Ford Motor Credit, opened on XX/XX/year> with a balance of XXXX. I spoke to Ford credit and they say they dont see this account on my name. I called XXXX  today and opened a dispute. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I purchased XXXX from Chase Bank on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX for {$2400.00}, which reflects an exchange rate of XXXX XXXX. The interbank market rate on that day was approximately XXXX XXXX meaning I was overcharged by about {$150.00}. 

On XX/XX/year>, I exchanged XXXX back to XXXX and received {$1900.00}, an exchange rate of XXXX USD/EUR. The market rate on that day was approximately XXXX USD/EUR, so I was underpaid by about {$160.00}. 

Combined, these transactions resulted in a loss of approximately {$320.00} due to undisclosed markups. 

At no point during these transactions was I informed of the markup or provided any clear disclosure of fees or rates. I raised this issue with a banker at the Chase branch in XXXX, CA, who said someone would follow up, but I never received any response. I also contacted the Chase Branch Escalation Group and received no assistance. 

I am requesting a refund of the amount lost due to these markups and clear communication regarding Chases policies on currency exchange rates and fee disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NJ

Complaint narrative:
In XXXX or XXXX of 2025, my husband and I requested our consumer reports from LexisNexis because our home and auto insurance premiums seemed unusually high. The process was difficult from the start ; after a long wait, LexisNexis sent letters claiming they couldn't verify our identities, despite us providing clear, legible documents as requested. We both received the same denial for our separate requests.

After resubmitting our documents, we finally got the reports. We found several potential issues but focused on disputing one major error each. My report listed a parking ticket that did not belong to me. I had already successfully proven this in court using evidence that I was elsewhere when the ticket was issued, that I have never owned the car in question, and that I live far from the location. I provided LexisNexis with this same proof.

In response, LexisNexis sent me a report for a completely different woman but was addressed to my home address. I searched this woman 's name online and discovered she lives in the same town where the erroneous parking ticket was issued. After I contacted LexisNexis about their mistake and re-submitted my original dispute, they sent a new report in my name. This time, they denied my dispute, stating the information was " accurate '' but offered no explanation as to how they verified it, especially when a court of law had already accepted my evidence.

My husband faced a similar issue. His report showed a car accident that actually involved his son, who shares the same name. The report even lists his son 's birthdate, not his, and the vehicle involved is registered to his son. He provided his birth certificate, auto insurance policy, and vehicle registration to prove the mistake. Despite this clear evidence, LexisNexis also denied his dispute, claiming the information was accurate.

We asked them to explain how they reached this conclusion for his case but have heard nothing back since XX/XX/year>. We are trying to remove these two specific, easily disprovable items that are negatively impacting our insurance rates. I am extremely concerned about LexisNexis 's flawed practices and their apparent failure to follow proper protocol when handling sensitive personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
Experian did not properly investigate the disputes and failed to remove or reinserted errors on my reports. 
Please remove off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

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 non-monetary relief
Consumer complaint received 2025-07-09 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion LLC for their repeated and willful failure to remove clearly fraudulent addresses and associated accounts from my consumer credit file, despite numerous formal disputes and the submission of documentation establishing the fraud. 

Specifically, the following fraudulent addresses continue to appear on my credit report : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, California I have never resided at either of these addresses, nor have I ever had any lawful association with them. As evidence, I provided TransUnion with a copy of my valid drivers license, issued over XXXX years ago, showing my current and only legitimate residential address. Despite this, TransUnion has failed to take appropriate and lawful action to permanently delete these addresses from my file. 

Furthermore, credit accounts and inquiries continue to be reported in connection with these fraudulent addresses including accounts allegedly associated with XXXX and various payday loan companies. I affirm under penalty of perjury that : I have never held any accounts with XXXX or its affiliates. 

I have never applied for or obtained payday loans. 



These fraudulent accounts are now causing tangible harm to me. They are impairing my ability to maintain accurate credit records, triggering fraudulent activity, and subjecting me to harassing calls regarding accounts I did not open. 

TransUnions failure to block or suppress these fraudulent entriesdespite clear and repeated evidenceconstitutes a violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681c-2 Duty to block information resulting from identity theft.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy. 

TransUnion has had ample time and documentation to investigate and resolve these disputes. The continued reappearance of fraudulent addresses and accounts represents either gross negligence or willful noncomplianceboth of which are actionable under the FCRA and entitle me to actual, statutory, and punitive damages. 

I now demand immediate action from the CFPB to investigate TransUnions unlawful handling of my consumer report and to compel them to : Permanently remove all fraudulent addresses and associated tradelines. 

Implement an address filter to block any future reporting of accounts not matching my verified address. 


Confirm removal of all inquiries, accounts, or activity linked to the fraudulent addresses. 

Failure to comply will leave me with no alternative but to pursue civil litigation for damages under the FCRA. 

My address since XX/XX/XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX that should be the only address reported on my report. 
My DoB is XX/XX/XXXX Last XXXX of XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I Wrote A good will letter to creditor letting them know inaccurate information is reporting to my credit report and asking them for deletion of negative information thats reporting to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: WI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 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 2025-07-08 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: WI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 2025-07-08 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-08 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: IN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief