vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
This is a complaint against Wells Fargo and XXXXXXXX XXXX  company. We had a slab leak last XX/XX/year>. At first our insurance company was doing a pretty good job making sure everything was covered and then everything went south when the big checks to cover the damage was supposed to come. Since the insurance company was paying everything quickly, I decided to use my business account money to start putting the house back together quickly so I could get back to work. Because of the checks not being dispursed I didn't have the money to make the house payment. I'm 2 months behind. I have an at home XXXX XXXX. I'm a single mom. I make just enough to keep everything going. I regret using my business funds, but I was thinking we would be reimbursed within the Month. Wells Fargo was the carrier on the loan and during the process they sold the loan to XXXXXXXX XXXX. Both Wells Fargo and XXXX claim they don't have the money even though at one time it was said that it's being held in escrow. Every one is blaming someone else. I'm filling a complaint against the insurance company as well, XXXX XXXX. If I lose my home, I lose my business as well. I have to have a large kitchen to do my job. 
We need to add XXXXXXXX XXXX  as well. Someone has the check

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 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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 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  Balance : {$230.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I felt like I was taken advantage of by the lender and car company. I put XXXX down on a used truck for work, for a business. The truck cost more used than new but couldn't find a new truck toth the towing capacity I needed. The economy was going down hill, I am currently going through a divorce. And losing everything. I can't get a new job because I don't have a car and the new jobs check credit. For some odd reason..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. XXXX account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

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 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal dispute regarding a fraudulent account that appears on my credit file. I have never opened or authorized such an account, and I deny any association with it. The reporting is misleading and harmful to my record.

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 2025-09-02 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: LA

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 2025-09-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-09-02 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
Type of Disputed Information : Incorrect Credit Account / Tradeline , TransUnion Dear CFPB Team, This is a complaint regarding inaccurate, incomplete, and untimely information appearing on my TransUnion consumer credit report concerning a XXXX XXXXXXXX account. 

We request that the following information be corrected to reflect the accurate status or be entirely deleted : The TransUnion credit report, Page XXXX and XXXX, currently displays the XXXX XXXX account as derogatory and in a " Collection/ Charged Off '' status, which is incorrect. 

TransUnion Account XXXX as of XX/XX/XXXX - Page XXXX and XXXX : Account Name : XXXX XXXX Account Number : XXXX Condition : Derogatory Original Balance : {$490000.00} Current Balance : {$190000.00} Last Payment : XX/XX/XXXX Balance : {$190000.00} Balance Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Past Due Amount : Status : Collection/Charge-Off Remarks : Charged off as bed debt/Canceled by credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX UT XXXX Phone XXXX XXXX XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Information Disputed : " Open/Closed Account charged off. {$190000.00} past due as of XX/XX/XXXX and " XXXX : XXXX XXXX. '' XXXX : Derogatory. 
XXXX XXXX : {$190000.00}. 
Balance Date : XX/XX/XXXX. 
XXXX XXXX : {$490000.00}. 
" Last Payment : XX/XX/XXXX. '' " Balance : {$190000.00}. '' Status : Collection/Charge-Off. 
Remarks : Charged off as bed debt/Canceled by credit grantor. 

Clarification and Supporting Documentation : The above information is inaccurate. We have received a Letter of Satisfaction of Debt from XXXX XXXX  XXXX, dated XX/XX/XXXX, which explicitly states, " This is a confirmation thatthe settlement on your account has been completed. '' This confirms the account has been settled as agreed. The payment for the agreed settlement amount was remitted to XXXX XXXX, XXXX. via XXXX on XX/XX/XXXX, and was received by the creditor on XX/XX/XXXX. 

We immediately filed a dispute with TransUnion Credit Bureau and requested a reinvestigation to update the account status accordingly. However, the records have not been updated to reflect accurate, complete, and up-to-date information, nor has the incorrect information been deleted. 

Included with this complaint are the following documents : Copy of the Letter of Satisfaction of Debt from XXXX XXXX XXXX. dated XX/XX/XXXX Copy of XXXX XXXX XXXX 's Drivers License Copies of TransUnion Credit Report XXXX XXXX and XXXX, highlighting the inaccurate information Thank you for your assistance in resolving this matter.

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 2025-09-02 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:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX RE : Dispute of Closed Auto Lease Account - XXXX XXXX XXXX | Opened : XX/XX/XXXX | Closed : XX/XX/XXXX Account Balance : {$0.00} | Highest Balance : {$22000.00} | Status : Payment After Charge-off/Collection To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and misleading reporting on my TransUnion credit report related to a closed XXXX XXXX XXXX auto lease account XXXX 
XXXX. Account Is Paid in Full - Balance {$0.00} - Yet Marked Derogatory This account was fully paid off and closed as of XX/XX/XXXX, and is now reporting a {$0.00} balance. Despite this, the status inaccurately reads : - " Payment After Charge-off/Collection '' - " Derogatory '' This is false and misleading, as there is no history of late payments ( XXXX ), and no record exists of this account ever being charged off or placed in collection. 
XXXX. Violations of the FCRA This reporting violates the following sections of the FCRA : - 1681e ( b ) - Failure to ensure maximum possible accuracy - 1681s-2 ( a ) ( 1 ) ( A ) - Duty of furnishers not to report inaccurate information - 1681s-2 ( b ) - Failure to correct and update information upon dispute The current reporting misrepresents my payment history and financial responsibility, and falsely damages my credit profile. 
XXXX. Request for Immediate Action Under FCRA 1681i, I request the following actions : XXXX. Immediate reinvestigation and correction of this account 's status to accurately reflect that : - The account was paid in full, never charged off - There were no delinquencies - The account is not derogatory XXXX. A copy of any documents or records used by XXXX XXXX XXXX to report this as a " charge-off '' or " collection. '' XXXX. Written confirmation of the investigation outcome within 30 days as required by law. 
Failure to Comply Failure to correct this inaccurate reporting will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and the Texas Attorney General, and I will seek all available remedies under FCRA 1681n and 1681o.

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 2025-09-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX RE : Dispute of Closed Auto Lease Account - XXXX XXXX XXXX | Opened : XX/XX/XXXX | Closed : XX/XX/XXXX Account Balance : {$0.00} | Highest Balance : {$22000.00} | Status : Payment After Charge-off/Collection To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and misleading reporting on my XXXX credit report related to a closed XXXX XXXX XXXX auto XXXX account XXXX 
XXXX. Account Is Paid in Full - Balance {$0.00} - Yet Marked Derogatory This account was fully paid off and closed as of XX/XX/XXXX, and is now reporting a {$0.00} balance. Despite this, the status inaccurately reads : - " Payment After Charge-off/Collection '' - " Derogatory '' This is false and misleading, as there is no history of late payments ( XXXX ), and no record exists of this account ever being charged off or placed in collection. 
XXXX. Violations of the FCRA This reporting violates the following sections of the FCRA : - 1681e ( b ) - Failure to ensure maximum possible accuracy - 1681s-2 ( a ) ( 1 ) ( A ) - Duty of furnishers not to report inaccurate information - 1681s-2 ( b ) - Failure to correct and update information upon dispute The current reporting misrepresents my payment history and financial responsibility, and falsely damages my credit profile. 
XXXX. Request for Immediate Action Under FCRA 1681i, I request the following actions : XXXX. Immediate reinvestigation and correction of this account 's status to accurately reflect that : - The account was paid in full, never charged off - There were no delinquencies - The account is not derogatory XXXX. A copy of any documents or records used by XXXX XXXX XXXX to report this as a " charge-off '' or " collection. '' XXXX. Written confirmation of the investigation outcome within 30 days as required by law. 
Failure to Comply Failure to correct this inaccurate reporting will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and the Texas Attorney General, and I will seek all available remedies under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Shellpoint originally requested additional paperwork which was the Written Authorization and Payoff Request. XXXX XXXX company has sent over all the required documentation on XX/XX/XXXX. They then said it would take XXXX to XXXX Business days, then it would be faxed to our escrow company. XXXX XXXX XXXX have passed. Numerous emails with repeated paperwork has been sent and many unanswered phone calls have been made. We are only allowed to talk to the employees who answer phones. They will not Transfer me to anyone in that dept because they said they have no phones. 

We are now being threatened by home buyer that he will sue us. I am at my wits end and this is causing me severe stress. My daughter XXXX XXXX and son XXXX XXXX are authorized on my account to talk to Shellpoint and they have tried as well. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief