vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
I am formally demanding the immediate removal of all hard inquiries listed on my TransUnion credit report that were not expressly authorized by me in writing or verbally. Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I have the legal right to request the blocking and deletion of any information on my credit file that resulted from identity theft, fraud, or unauthorized access.

The following inquiries are disputed and must be permanently deleted from my credit file unless TransUnion can provide documented proof of my written authorization or permissible purpose under 15 U.S.C. 1681b : Company Name Date of Inquiry XXXX XXXX XXXX XXXX XXXX via Dealer XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Date Not Provided ] These inquiries were not authorized by me and were made without my consent or permissible purpose. Under the FCRA, TransUnion must block and remove these entries within four ( 4 ) business days of receiving this notice unless you have verified with the furnisher that the inquiries were authorized and lawful.

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 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-06 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: RoundPoint Mortgage Servicing LLC
State: UT

Complaint narrative:
XX/XX/year> ( and other dates, previous ) Roundpoint Mortgage Servicing XXXX XXXX  Customer XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Company doesn't have a direct line to Customer Services XXXX I can not find a way to speak to a real person. They have an automated robo-answering system that takes you in circles. I also notice that they are not listed with the XXXX XXXX XXXX 

They post XXXX to call for Assistance, but they is no option for talking to a representative or operator. 

If you go to the web, the sites just take you to areas where you can download forms, and send them back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized.

These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information.

To protect myself and follow the proper legal process, I filed a Police Report ( Case No. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I am filing this complaint against Goldman Sachs Bank USA XXXX Apple Card ) for negligent, inaccurate, and unlawful credit reporting in violation of the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 623 & 611 ).

Goldman Sachs Bank USA has reported my Apple Card account ( ending in 3619 ) as a charge-off with a balance of {$13000.00} and a charge-off date of XX/XX/2024. 
This reporting is factually inaccurate and negligent because the alleged balance includes returned and refunded merchandise that I do not owe. I disputed these transactions directly with Apple Card, but the account was closed without proper investigation or correction. 
Goldman Sachs Bank then reported the account as charged off to XXXX XXXX and XXXX, despite the fact that the debt was invalid and subject to dispute. This represents a failure to investigate a billing error as required under the FCBA and a negligent furnishing of false information under the FCRA. 
Their actions show gross negligence and disregard for consumer protections, as they : Failed to verify the accuracy of returned/refunded charges. 
Ignored my direct dispute and documentation. 
Continued to report false data, damaging my credit reputation. 
Caused financial and emotional harm through credit score reduction and reputational damage.

I am requesting that Goldman Sachs Bank USA ( Apple Card ) : Conduct a full FCBA investigation into the returned/refunded transactions. 
Acknowledge their negligence in handling this billing error. 
Cease furnishing inaccurate data and delete the Apple Card tradeline from all credit bureaus. 
Provide written confirmation of deletion or correction.I request the CFPB to ensure Goldman Sachs corrects and deletes this inaccurate tradeline and reviews its compliance and negligence in handling billing error investigations for Apple Card accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
I was promised accuracy on my credit report based on federal law I am making this claim as another attempt to have the inaccuracies either fixed or removed under 15-USC-1681 All unverified information must be promptly removed As you can see in their system that the information can not be validated so Im asking that it be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

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


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

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 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I had opened a GM Lines of credit Account Numbers XXXX XXXX XXXX Truck {$8600.00} XXXX XXXX XXXX XXXX It was not until XX/XX/XXXX the I found out gm stopped taking payments out of my account in XXXX of XXXX. 
when they repossessed the XXXX gmc. On XX/XX/XXXX they received on XX/XX/XXXX. I Paid over what i owed IN FULL CERTIFIED FUNDS and asked for help with the XXXX they stated full payment. So i saved up on XX/XX/XXXX They repossessed my XXXX. Once Again I paid INFULL XXXX XXXX XXXX. All accounted for all certified. No Title it has been exactly XXXX  months and i have suffered serious financial harm I have no title to my vehicle they refuse to give me a lien release or order me and produce a new title. I have called every XXXX weeks for both titles for XXXX  months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: AL

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management reports XXXX conflicting entries XXXX open dates XX/XX/year> and XX/XX/year>. XXXX  shows {$360.00} balance XXXX shows none reported. The furnisher has ignored prior validation requests and continues to report Collection/Charge-off. 
Per Metro 2 4.2.3 and FCRA 1681s-2 ( b ), the data fields Date Opened, Balance, and Status must match across all CRAs ; they do not. The companys failure to validate, inconsistent reporting, and continued derogatory status are deceptive and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: LEXISNEXIS
State: MS

Complaint narrative:
Complaint : Case # XXXX against LexisNexis Risk Solutions regarding this private for profit credit reporting agency and their authority, legal right and assumed consent to post negative and adverse information regarding any consumer without consent. This shall serve as the third and final notice before filing a lawsuit against them. All information is hereby uploaded in pdf format

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXX XXXX XXXX - XXXX INQUIRIES : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-11-06 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading credit reporting by Wells Fargo related to my account ending in XXXX. 

Wells Fargo closed and charged off this account on XX/XX/XXXX, but later accepted a settlement payment of {$1000.00} on XX/XX/XXXX, as full resolution of the debt. 

Despite the settlement, Wells Fargo continues to report the account as settled for less than full balance, previously charged off, without accurately reflecting that the debt was resolved and no longer owed. This dual reporting creates confusion and unfairly impacts my credit standing. 

I previously contacted Wells Fargo, and on XX/XX/XXXX, I received a letter from their XXXX XXXX XXXX XXXX stating they would not make any corrections. However, their explanation fails to comply with the Fair Credit Reporting Act ( FCRA ) requirements for complete and accurate reporting under 15 U.S.C. 1681s-2 ( a ) ( 2 ).

I am requesting the CFPBs assistance to ensure Wells Fargo : Conducts a reinvestigation of the account reporting. 

Corrects or removes any inaccurate, incomplete, or misleading credit data. 

Updates the account to show Paid Settled or Paid Settled in Full for Less than Full Balance, reflecting the true final status. 

This inaccurate reporting continues to cause ongoing harm to my credit profile.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I opened a CareCredit account with a XXXX promotion that was advertised as XXXX  % interest if paid in full. I paid every month on time and paid over {$3000.00} of the balance. I misunderstood the promotion and did not realize it was deferred interest. When the XXXX  months ended, CareCredit added XXXX years of interest all at XXXX, even though I made timely payments and had only {$1400.00} remaining. 
I requested a courtesy adjustment or alternative solution, but CareCredit refused. I feel the promotional terms were not clearly disclosed and the deferred interest was misleading. I am asking for the retroactive interest to be waived or reduced

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Wells Fargo Executive Office, My name is XXXX XXXX, and I am writing to file a formal discrimination complaint regarding my recent experience with the Wells Fargo Loss Prevention and Claims departments. 

I previously received a written response from your Executive Office concerning XXXX XXXX. XXXX, which referenced my accounts ending in XXXX and XXXX, as well as CFPB XXXX XXXX. XXXX. According to the correspondence, after my initial claim was denied, the Executive Office conducted an additional review and issued a reimbursement check for {$5400.00} on XX/XX/year>. 

However, the issued check was returned to the bank. When I called the phone numbers provided in the correspondence to seek clarification and follow the instructions I was given, I experienced discriminatory and dismissive treatment from Wells Fargo staff. Despite my efforts to follow the exact guidance outlined in your letter, I was not treated with the respect and fairness that your companys own policies and nondiscrimination statement promise. 

At this point, I believe my treatment constitutes discrimination, as I was unfairly denied support and made to feel targeted when simply attempting to resolve an issue that Wells Fargo had already acknowledged and addressed in writing. 
I am formally requesting that Wells Fargo : Conduct a thorough review of how I was treated by staff in the Loss Prevention and related departments. 

Reissue my reimbursement check for {$5400.00} promptly. 
Provide a written response confirming that this discrimination complaint is being formally investigated under your internal policies. 

For your reference, I am attaching ( or can provide upon request ) copies of the correspondence from the Executive Office and details of my previous calls. 
I appreciate your prompt attention to this matter and expect a written response confirming receipt of this complaint. 

Thank you, XXXX XXXX

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 2025-11-07 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: NJ

Complaint narrative:
Hello Transunion, Your company failed to respond to my initial dispute letter as of today. I sent my request disputing the inaccurate and incomplete information. Now according to 15 U.S. Code 1681b the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX XXXX and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates to. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATE!! 

* * * Document Continues * * * Unauthorized Accounts : XXXX  XXXX Account Number : XXXX Balance : {$890.00} XXXX XXXX Account Number : XXXX Balance : {$460.00} XXXX XXXX  Account Number : XXXX Balance : {$960.00} XXXX  Account Number : XXXX XXXX : {$750.00} XXXX  Account Number : XXXX Balance : {$24000.00} XXXX  Account Number : XXXX Balance : {$25000.00} XXXX XXXX XXXX Account Number : XXXX Balance : {$780.00} XXXX XXXX XXXX Account Number : XXXX Balance : {$980.00} Unauthorized Inquiries : Account Name : XXXX Inquiry date : XX/XX/XXXX Account Name : XXXX Inquiry date : XX/XX/XXXX Account Name : XXXX XXXX Inquiry date : XX/XX/XXXX 2023

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