vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: IN

Complaint narrative:
What happened : As of XX/XX/year>, my federal student loan serviced by XXXX is being inaccurately and unlawfully reported on my credit reports. The account is showing a balance owed that is incorrect, and it also shows XXXX late payments that are false. I have maintained my repayment schedule without missing payments, and this information does not accurately reflect my account history. 

This reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, which requires that information furnished to consumer reporting agencies be complete and accurate. Specifically : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher 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.

Under 15 U.S.C. 1681s-2 ( b ), once a consumer notifies a furnisher of a dispute, the furnisher must conduct a reasonable investigation and correct or delete any inaccurate information.

Further, the Higher Education Act ( 20 U.S.C. 1087a et seq. ) requires accurate servicing and reporting of federal student loan information. 

If XXXX is acting in any debt collection capacity, this false reporting also constitutes violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits any false, deceptive, or misleading representation in connection with the collection of any debt. 

Actions I have taken : I have obtained and reviewed my credit reports from XXXX XXXX and TransUnion. 

On XX/XX/year>, I filed a dispute directly with each credit bureau regarding these inaccuracies and provided documentation supporting my payment history and correct account status. 

On XX/XX/year>, I contacted XXXX in writing to request immediate correction of this information and compliance with federal law. 

To date, these inaccuracies remain uncorrected and continue to damage my credit profile unlawfully. 

Requested resolution : Remove all references to late payments on this account. 

Correct the reported balance to reflect accurate and current information. 

Cease any further reporting of inaccurate information. 

Promptly notify XXXX XXXX, and TransUnion of the corrected information in compliance with 15 U.S.C. 1681s-2 ( b ).

Provide me with written confirmation of the corrections within 30 days as required under federal law. 

Thank you for your immediate attention to 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 2025-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have several complaints about Newrez.

1. I received continual marketing material in the mail and by email regarding a home equity loan. I have XXXX mortgage with them so they have my information. 
2. I initiated an application by phone and to complete that process, I unlocked my credit reports to allow them to pull my credit score and history, I provided recent pay statements and tax returns, and so on. This resulted in a drop in my credit scores due to have a hard inquiry.

3. I was then told that underwriting stated my mortgage was not eligible so I was offered the option to change my application to a refinanced mortgage, which would almost double my interest rate on my current mortgage and then received the equity ( cash ) I was seeking for home remodeling and such.

4. I expressed my displeasure with this bait-and-switch experience in terms of what they did, the time I spent on this for no reason, the negative impact on my credit score, and the money they charged me for pulling credit reports and the appraisal.

5. I asked that the money ( just about {$120.00} ) for the appraisal and credit reports be refunded as I would NEVER have proceeded with a refinancing of my mortgage. I was told they understood and would advise a manager and call right back. After waiting a week, I called back and was told it got missed and that I would get a call back. After waiting another week, I called and left a detailed voicemail stating I expected a return call and a refund or I would file a complaint. I still waited 6 days and am now filing a complaint.

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 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
SUBJECT : Complaint of Theft due to the Repossession of my Vehicle due to Predatory Lending, a high-interest rate loan with hidden balloon payments aka principal, interest and fees above 8 % in violation of Indiana Law in the Retail Installment Contract Agreement TO WHOM IT MAY CONCERN : I hereby dispute that I owe XXXX XXXX XXXX XXXX XXXX D/B/A GM Financial Services, a principal balance of XXXX or more. 

GM Financial Services provided financing for a XXXX XXXX XXXX  in a Retail Installment Contract agreement for 72 payments for {$410.00} a month for the cost of a vehicle for {$15000.00} in XX/XX/XXXX and a total fee of {$30000.00} which was paid in XX/XX/XXXX, after 6 years. 

I dispute that I havent made any payments if I had or owed a principal balance of {$8400.00} since XX/XX/XXXX. ( see the Auto Retail Agreement Contract attached ).

I requested an explanation from GM Financial regarding why they claim I owed a principal balance of {$8400.00} and how they figured I owed that amount?, but I have never received an explanation as of today.

Since XX/XX/XXXX, I have sent automatic bi-weekly payments of {$25.00} from my XXXX XXXX  account to avoid my vehicle being repossessed until I received an explanation in the mail. ( See Account Statement attached of my XXXX XXXX  bi-weekly payments of {$25.00} with dates sent

to GM Financial. ) If the {$25.00} bi-weekly payments were not acceptable for applying towards any outstanding principal balance, then I expected GM Financial not to accept the payments but notify me in writing and mail the {$25.00} bi-weekly payments back to me. It does not state in the attached Auto Retail Purchase agreement that I have to pay or that I agreed to pay after 72 payments of {$410.00} a month a certain amount for any balloon payments or outstanding principal, interest or fees.

As a Resolution to my Complaint, I request that XXXX XXXX XXXX XXXX XXXXXXXX DBA GM Financial be required to release my vehicle back to me and have it towed back to my address where they stole it from immediately. I have a XXXX that prevents me from driving long distances, on toll roads and/or highways. Also, I request the Title to my vehicle and that it be mailed to my address asap.

Also, I request as Resolution to my complaint for compensatory and punitive damages against this company in accordance with Indiana law. Ive had to pay attorney fees for a consultation with Attorney XXXX XXXX, court filing fees for a XXXX  XXXX bankruptcy to try and get my vehicle returned to me, and for the cost of alternative transportation over 4 weeks.

Your cooperation and immediate assistance with the above, is greatly appreciated. Any questions or comments, please contact me at the addresses below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Credit Karma, LLC
State: MD

Complaint narrative:
XXXX, XXXX Credit Karma is pulling soft inquiries from XXXX XXXX XXXX XXXX for the sole purpose of marketing and solicitation. I have a freeze on all three accounts and each one of them was hit by Credit Karma fetches your report from Transunion every week, and as part of this process, you might see consumer credit file soft search requests on your report. 

My complaint is Credit Karma is a gateway for creditors to get inside of the credit report. The purpose of the credit freeze is to prevent credit reporting agencies like Credit Karma from releasing my credit report to others without affecting my credit report or unnecessarily soliciting emails from potential creditors who are trying to get my attention. Why are they allowing this after there's a freeze on the account? 

This opened the door for me to go through identity theft or personal information falls into the wrong hands or website. 

Under the federal laws effective XX/XX/XXXX, you can free and unfreeze your credit record for free at the three nationwide credit reporting companies. 

What was the purpose of my placing a freeze on all of the credit reporting including credit bureaus if Credit Karma going to be the gateway for them to get in? 

I tried to get into the Credit Karma account by using my online login and was blocked due to the old phone number that's on the account. Even after I try to use the email address for verification purposes to get access to the account it still won't allow me to get it. 

I want to be able to discontinue my service with Credit Karma and I want to make sure they won't be using my information for any marketing or promotion purposes. 

I will be filing a complaint against XXXX  and XXXX  for allowing them to do so. I just filed a complaint against XXXX. 

I want something in writing stating the obvious and that they will stop using my information for their gain. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: NJ

Complaint narrative:
Today alone I have received four calls from them including on at XXXX. This is harassment and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, a {$1000.00} unauthorized transaction occurred on my Capital One account. My phone and wallet were taken by someone I trusted, and during that time, a transfer was made from my Capital One account to my XXXX XXXX account without my consent. That person then withdrew the funds via ATM. I did not authorize this transaction and did not benefit from the funds. 

I reported the fraud to Capital One the same day, and they opened a fraud case. However, after 10 business days, they denied my claim, citing authorization and/or participation in the transaction activity, without providing any detailed documentation or explanation. 

I have fully cooperated, secured my account, and was told this would be handled as fraud. I am now requesting CFPB intervention to ensure this case is properly reviewed, and that Capital One complies with federal protections against unauthorized electronic fund transfers. I am also requesting all documentation used in their denial, which I have not yet received. 

I believe I followed every procedure correctly as a consumer, and I am seeking recovery of the {$1000.00} lost due to this unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed on XX/XX/XXXX ( Confirmation # [ XXXX ] ). TransUnion responded XX/XX/XXXX, removing two derogatory markers ( XXXX ) for accounts likely XXXX XXXX XXXX XXXX XXXX XXXX ) and another, raising my score from XXXX to XXXX as of XX/XX/XXXX, matching my pre-dispute level. However, XXXX Card ( # XXXX, opened XX/XX/XXXX, closed XX/XX/XXXX, {$4700.00} charge-off, last payment XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX, opened XX/XX/XXXX, closed XX/XX/XXXX, {$2200.00} ), and XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$0.00} ) may still show residualsXXXX XXXX reinvestigation is in progress. Last payment XX/XX/XXXX suggests time-barred status. I sent letters ( XX/XX/XXXX, XX/XX/XXXX ) and to creditors ( XX/XX/XXXX with follow-ups ), requesting FCRA Section XXXX compliance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) show progress and stagnation. I demand confirmation of full removal and compensation. 
Attach : Updated

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the response issued by Goldman Sachs Bank USA regarding my Apple Card account and the gambling-related transactions in question. 

Between XX/XX/XXXX and XX/XX/XXXX, numerous transactions were processed through my account with known gambling platforms including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These transactions occurred during an active gambling addiction, which I have since sought professional help for and am in recovery from. 

Goldman Sachs states that these transactions were " final '' and " nonrefundable, '' citing the merchant 's policies. However, Apples own Direct Payments Terms clearly state : You agree not to use the Direct Payments Service in connection with unlawful domestic or international gambling websites or payment processors that support unlawful gambling websites or to purchase illegal goods or services. 

If these websites are indeed gambling-related as Goldman Sachs XXXXcknowledges by stating that I received in-game coins, tokens, and sweepstakes credits then they violate Apple and Goldman Sachs own terms of use. The bank should have flagged, blocked, or prevented these charges in accordance with their own risk and compliance protocols. 

Further, the terms also state : We may decline to complete or delay a Payment... if we identify a fraud or security risk ... or if it exposes us to liability.

If Goldman Sachs identified red flags and closed my account based on suspicious activity, then it is contradictory to now place full financial responsibility on me for those very same transactions that were indicative of risk and potentially unlawful use. 

I am not disputing this out of convenience. I was in crisis, trapped in an addiction cycle, and these merchants profited from it. I submitted these disputes with the hope that Apple Card, a platform I trusted, would offer protection not just to my finances, but to my well-being. 

I respectfully request : A reevaluation of all gambling-related transactions in light of your own Direct Payment Terms. 

An explanation of why these charges were not blocked given the known nature of the merchants. 

A partial or full forgiveness of the debt, or a hardship payment plan as I continue treatment. 

That this complaint remain open until a fair and empathetic resolution is reached. 

I am happy to provide documentation from my recovery program and professional letters regarding my diagnosis, should that be needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cass & Associates
State: MI

Complaint narrative:
There is a collection on my account from Cass & Associates that does not belong to me. This collection has a different social security number then mines and was put on my account when XXXX mistakenly put the wrong social security number on my account, believing that it belong to me. Equifax did update my social but will not remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: AL

Complaint narrative:
I have disputed these items directly with the credit bureaus and/or data furnishers and have not received any proper documentation to verify the debt, such as signed contracts or complete billing history. Per the Fair Credit Reporting Act ( FCRA ) 1681i and 609 ( a ), I am entitled to a thorough investigation and full proof of accuracy. 


XXXX XXXX XXXX outdated charge-off with no updates since 2019

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 2025-07-01 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: AL

Complaint narrative:
I have disputed these items directly with the credit bureaus and/or data furnishers and have not received any proper documentation to verify the debt, such as signed contracts or complete billing history. Per the Fair Credit Reporting Act ( FCRA ) 1681i and 609 ( a ), I am entitled to a thorough investigation and full proof of accuracy. 


XXXX XXXX XXXX outdated charge-off with no updates since 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: AL

Complaint narrative:
I have disputed these items directly with the credit bureaus and/or data furnishers and have not received any proper documentation to verify the debt, such as signed contracts or complete billing history. Per the Fair Credit Reporting Act ( FCRA ) 1681i and 609 ( a ), I am entitled to a thorough investigation and full proof of accuracy. 


XXXX XXXX XXXX outdated charge-off with no updates since 2019

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under XXXX XXXX. XXXX ( a ) ( XXXX ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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