vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am filing this complaint due to XXXX ongoing failure to properly apply my approved homestead exemption and the repeated misinformation I have received over several months. 
I was officially approved for the 2025 Homestead Exemption on XX/XX/year> by the XXXX XXXX XXXX XXXX XXXX for my primary residence at XXXX XXXX XXXX, XXXX XXXX XXXX I provided this approval documentation to NewRez shortly after receiving it.

Since submitting the documentation, I have been calling NewRez for over four months to confirm that the exemption was properly applied to my escrow account and to understand the impact on my monthly mortgage payment. 

During this time, I have spoken with numerous NewRez representatives, including XXXX XXXX and XXXX XXXX, as well as other representatives. Throughout these interactions, I have received conflicting and inaccurate information, including being told that : A previous representative completed the escrow or evaluation incorrectly. 
The evaluation was never submitted. 
The issue had been corrected and I should call back, only to be given a different explanation later. 
My monthly payment would decrease due to the homestead exemption. 
My monthly payment would increase, and then being told shortly afterward that it would instead decrease. 

No representative has been able to provide a clear, consistent explanation of my account or written confirmation that the homestead exemption has been properly applied. Each time I contact NewRez, I receive a different answer, and there appears to be no accurate review or accountability within their servicing process. 

As of now, my account still does not reflect clear or reliable escrow information related to my approved homestead exemption. I have spent significant time repeatedly contacting NewRez, re-explaining the issue, and correcting misinformation provided by their representatives, with no resolution. 

I am requesting CFPB assistance because NewRez has failed to properly service my mortgage account, has provided repeated misinformation over several months, and has not resolved this issue despite extensive efforts on my part.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME. I HAVE NO AFFILIATION OR RESPONSIBILITY FOR THESE ACCOUNTS.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Your Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, State ZIP : XXXX, IL XXXX Date of Birth XX/XX/XXXX SSN : XXXX RE : Metro 2 Compliance Dispute Inaccurate Account Status Reporting To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the following tradeline currently reporting on my credit file : Creditor : XXXX XXXX Account Number : XXXX Account Type : Installment Loan Opened : XX/XX/XXXX Closed XXXX This account is reporting with contradictory and inaccurate status information. Specifically, the tradeline is coded as CHARGED OFF ACCOUNT ; while simultaneously reporting an open account status, a past-due balance, and ongoing monthly updates. 

Under Metro 2 reporting standards, an account can not be both charged off and open as an active installment obligation. Once an account is charged off, it must be reported as closed with the appropriate charge-off status code, and must not continue reporting as an active monthly obligation.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), TransUnion/Equifax is required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. 

Please provide verification of this tradeline using complete Metro 2 data elements, including but not limited to : Account Status Code Payment Rating Date of First Delinquency Charge-Off Indicator and Date Balance and Past-Due Amount Calculation Scheduled Monthly Payment Compliance Condition Code If this account can not be fully verified and reported in a Metro 2-compliant manner, it must be corrected or deleted from my credit file.

Please note that automated or summary verification does not satisfy the requirements of the Fair Credit Reporting Act.

I request written confirmation of the results of your reinvestigation within the statutory timeframe. 

Sincerely, XXXX XXXX ENCLOSE WITH LETTER Copy of ID Proof of address ( utility bill or bank statement )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
I recently reviewed my credit report and discovered an account that I did not authorize. I have no knowledge of ever applying for, opening, or consenting to this account. At no point was I notified about this account, nor was I given any opportunity to review or approve the use of my personal information.

I never provided written consent for any creditor or agency to access or report my credit information in connection with this account. Under the FCRA, 15 U.S.C. 1681b, a permissible purpose is required before anyone can pull or report my credit data. Since I never authorized this, there was no valid permissible purpose.

I contacted the credit bureau to dispute this account and requested its removal due to the lack of authorization. However, the account remains on my report. Continuing to report information that was obtained and published without my consent is willful noncompliance with federal law.

This unauthorized account is damaging my credit profile and affecting my ability to obtain credit on fair terms. I am requesting the immediate and permanent deletion of this account along with any hard inquiries associated with it, as they were reported without my knowledge or consent and have no lawful basis.

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 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-12-26 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: GA

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 the38668re 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 2025-12-26 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: GA

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 the38668re 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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
MCA MGMNT CO is falsely reporting on my credit. I have never had any accounts with them. Per my research MCA MGMNT CO 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for a Capital One credit card in late XX/XX/year> using my ITIN and passport, which were listed as acceptable identification requirements during the application process. I uploaded all requested documents accurately and truthfully. 

Capital One approved my application, opened the account, and issued a virtual credit card, which I was able to use. I was informed that a physical card was mailed to me. 

The physical card never arrived. When I contacted Capital One multiple times, I was told first that my address was incorrect and later that my phone number was incorrect. Both were updated and confirmed by Capital One representatives. 

During these calls, Capital One canceled the original card multiple times and reissued new cards, stating it was necessary to resolve delivery and verification issues. Despite these actions, I still did not receive a physical card. 

After several calls, a supervisor informed me that the account could not be approved because I do not have an SSN and U.S. drivers license even though the account had already been approved, opened, and issued a virtual card based on my ITIN and passport. This requirement was never disclosed before or during approval. Capital One provided conflicting and inconsistent information before and after approving my application. I relied on Capital Ones stated requirements and approval decision when opening and using the account. 

I did not provide false information, did not miss any payments, and did not misuse the account. Any issues arose from Capital Ones internal processes, not from applicant error.

I am concerned that Capital One may close or restrict the account and inaccurately report it to credit bureaus, which would unfairly harm my credit history while I am actively and lawfully building credit using my ITIN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
We borrowed roughly XXXX from EXETER XXXX and they charged a XXXX finance charge which is illegal in every state plus high interest and hardly any of the payments go to the principle. Also late fees etc, not to mention they partnered with the auto company to double the blue book value of the car at the time of the sale and way over charged us and we have been paying for six years and they say we still say we owe roughly XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-12-26 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