vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We had a 6 month payment to pay back the past do amount, XX/XX/XXXX we sent XXXX  XXXX, over XXXX XXXX dollars. XX/XX/XXXX they sent me back XXXX and cashed a check that my XXXX XXXX in XXXX gave them for XXXX with a copy of our mortgage statement, on XX/XX/XXXX we got a statement that none of the money we gave them went toward the mortgage and they are starting foreclosure proceedings. WHERE THE XXXX IS MY CHURCHES CHECK FOR XXXX. They have yet as of today not gotten it back and are beyond XXXX you people took the money and ran, when they there trying to help a family in need and would like to help us now pay for the lawyer fees to file for bankruptcy, and sue you guys. 
Not only did we get the paperwork for the foreclosure then home preservation mortgage whatever you wan na call them from Wells. XXXX XXXX   is sending me paperwork for a request for assistance that I never did. Why would I ask for assistance when I was told that all I could do was a six months and yet a lawyer told me nope you can do five years to pay these people back. Its called bankruptcy and still stay in my house. 
Every day some XXXX XXXX from the executive office calls me, my lawyer has advised me not to answer any calls from XXXX XXXX They do have not only my lawyer, but the attorney general looking into them and requesting 24 hours for them to give me back the XXXX since they did not apply it to my mortgage. Which by law they should have.

These people need to be shut down stealing money is a federal crime. I will do prosecution to its finest with these people. I am done playing games. They are going to be fully investigated as to where my money is where other peoples money went and their foreclosure proceedings when they clearly got the money and then give it back and claim that nothings been put towards my mortgage a full federal investigation needs to go on with these people and I plan on making sure that that happens. This has made now social media as well. XXXX is a fabulous social media site. 
Again, I repeat I am filing for XXXX  XXXX why because it gives me five years to pay you XXXX  off not six months maybe you should listen to your customers customer service would go a great deal if you actually had some. I will continue to file complaints once twice a week maybe even every day until this gets resolved.

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 2025-09-09 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: MD

Complaint narrative:
I am writing regarding my CFPB Complaint XXXX, to which you provided a response that failed to resolve the matter. Your reporting of inaccurate information has already caused measurable harm to my credit standing. 
Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) requires furnishers to ensure the accuracy of the information they provide.

15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow procedures to ensure maximum possible accuracy.

Continued reporting of inaccurate information after notice constitutes willful noncompliance, exposing you to liability under 15 U.S.C. 1681n & 1681o.

I did not request that this tradeline be corrected. The damage has already been done. I am demanding complete deletion of this account from my credit reports within 15 days of receipt of this letter.

If you continue to report this inaccurate information, I will have no choice but to escalate the matter by filing complaints with my State Attorney General and pursuing civil action to recover damages, including attorneys fees. 
I expect written confirmation that this account has been permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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'm not linked to these accounts ; they need to be taken down within 15 days in accordance with USC 1681g.

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 2025-09-09 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX BALANCE : {$3600.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I request a complete and accurate review of all collection accounts on my credit report. In accordance with 15 U.S.C. 1681e ( b ) and 1681i, please verify the accuracy of each account. Any accounts that can not be confirmed as accurate should be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: REMAX
State: VA

Complaint narrative:
I, XXXX XXXX, am filing a complaint regarding XXXX XXXX XXXX, a real estate agent with RE/MAX in Northern XXXX XXXX who publicly posted statements on social media regarding mortgage financing. 

Specifically, she stated : 83 % of homeowners have interest rates below 6 %. 
40 % of homes are owned free and clear. 

To my knowledge, XXXX XXXX is licensed only as a real estate professional ( MLS license ) and does not hold a SAFE Act mortgage license ( NMLS registration ). 

Under the Secure and Fair Enforcement for Mortgage Licensing ( SAFE ) Act, any individual who offers, negotiates, or discusses residential mortgage loans publicly or privately must hold an active NMLS license. By posting mortgage rate and financing information publicly, XXXX XXXX XXXX be engaging in activity that legally requires an NMLS license, which could constitute a federal licensing violation. 

Fact check of her statements : The claim that 40 % of homes are owned free and clear aligns with national data. 
The claim that 83 % of homeowners have interest rates below 6 % is inaccurate and misleading ; as of XX/XX/year>, the average XXXX mortgage rate is 6.5 %, and no data supports her figure. 

I request that the CFPB review this matter to determine whether XXXX XXXX has violated SAFE Act requirements and take appropriate enforcement action. XXXX on XXXX is @ XXXX and I have saved the aforementioned posts. 

Thank you for your attention. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Royal Pacific Funding Corporation
State: NV

Complaint narrative:
At the time of closing escrow, they created such a irresponsible condition to closing the loan. After work with few months with this loan I had no choice but accept even they raised the interest rate within few days of the date of closing. 
{>= $1,000,000} has been held by escrow purpose of paying off loans, some are understandable because they were using to payoff to clear title.But they even held for paying off personal credit card, which were not make any sense. 

Because of this, it cause over payments of near {$100000.00} to credit cards, because I had auto payments set up to pay statement balance, and I couldn't stop these in time. 
Some of over payments are not refunded by credit card company yet as of today, and I am paying interest to this company for that amount in negative in my credit card balance, not benefits me as original purpose, just benefit XXXX banks. 

Also some credit card company not accepting mailed in payments, this cause short payments of {$5000.00} as of this date, which I am claiming now. 

I am XXXX XXXX XXXX XXXX this mortgage company try to push XXXX  person to convince me to give up so they don't have to pay me {$5000.00} and recalculate the loan. Her name was XXXX XXXX and when I called her on XXXX, responding to her letter to CFPB, she said she will call me back instead she called couple oXXXX XXXX  agents to take care this issues, she was thinking to put all XXXX in one category to take care this, I assume. Not intention to take care this as what they supposed to.

Not sure why CFPB has closed my 1st complaint, I thought complaint should be addressed before the closing. 

Their action damaged more than just this amount but I can not claim anymore than what's short on total loan amount. 

I am looking for way to revoke their license to loan to the consumer, since they are leading consumers to fail in their life, unethically.

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 2025-09-09 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: IL

Complaint narrative:
I request a review of all collection accounts on my credit report, as I believe some contain inaccurate information. Under 15 U.S.C. 1681e ( b ) and 1681i, I am entitled to an accurate report, and any unverifiable entries should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
I am a victim of identity theft connected to the Equifax data breach. Between XXXX and XXXX, several fraudulent accounts and unauthorized credit inquiries appeared on my credit reports with Equifax, XXXX XXXX XXXX. I did not authorize or open these accounts, nor did I apply for the listed inquiries. 

The fraudulent accounts include Affirm, Capital XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Time XXXX, XXXX XXXX XXXX, Open Sky, XXXX XXXX XXXX Bank, and XXXX XXXX XXXX. 

In addition, multiple unauthorized hard inquiries from companies such as XXXX, Affirm, XXXX XXXX, XXXX, XXXX Bank, XXXX XXXX, Clarity affiliates, XXXX XXXX XXXX, XXXX, and XXXX XXXX Mortgage appeared on my reports without my permission. 

I submitted an FTC Identity Theft Report and dispute letters to all three credit bureaus under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), requesting that these fraudulent accounts and inquiries be blocked and removed. I am requesting that the credit bureaus comply with the law by permanently removing these items and correcting my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as my official dispute of fraudulent accounts being wrongfully reported under my credit history. These accounts were never authorized by me, nor do I have any responsibility for them. Their presence represents inaccurate and harmful information that must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at DEPT OF EDUCATION/XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting the removal of certain items from my credit file, which are detailed in the attached XXXX document. I am a victim of identity theft and have multiple accounts and inquiries on my credit report that I did * * not * * authorize or apply for. I ask that these fraudulent items be deleted so my credit report reflects only accurate information. I have reported this identity theft to the Federal Trade Commission and have enclosed copies of the report. I request that these items be removed from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a dispute of fraudulent accounts currently being reported on my credit file. These accounts are not mine and were never authorized by me. Their presence represents a serious inaccuracy that creates unwarranted harm to my financial credibility. The reporting of these accounts is a clear violation of fair and accurate credit reporting standards.

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I attempted to buy tickets for a football game via XXXX. The {$150.00} was sent on XXXX and once I was blocked on XXXX I immediately reported it to SoFi. Just wanted to go ahead and make a report on here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request that all late payment entries on my credit report be reviewed for accuracy. In accordance with 15 U.S.C. 1681e ( b ) and 1681i, please verify each entry, and correct or remove any that can not be confirmed.

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 2025-09-09 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief