vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: CORELOGIC INC
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized and/or inaccurate hard inquiries on my credit report. These inquiries were made without my permission and are negatively impacting my credit score and my ability to secure loans and favorable interest rates. On or around XX/XX/XXXX, I obtained copies of my credit reports from XXXX, and discovered hard credit inquiries that I did not authorize. 
I have taken the following steps to resolve this issue directly with the companies and credit bureaus, but it remains unresolved : I contacted these companies that have made the inquiry 's, Unauthorized Hard Inquiries : The following are the specific hard inquiries I am disputing : 1. Company Name : CREDCO Date of Inquiry : XX/XX/XXXX Reason for Dispute : " I did not apply for credit or authorize a credit check with this company on or around this date. This is not a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

2. Company Name : CREDCO Date of Inquiry : XX/XX/XXXX Reason for Dispute : " I did not apply for credit or authorize a credit check with this company on or around this date. This is not a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

3. Company Name : XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : " I may have had contact with this company, but I did not provide explicit written or verbal permission for a hard credit inquiry. I only consented to a pre-qualification, which should have been a soft inquiry 4. Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : " I did not apply for credit or authorize a credit check with this company on or around this date. This is not a permissible purpose under the Fair Credit Reporting Act ( FCRA ) 5. Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX XX/XX/XXXX Reason for Dispute : " I did not apply for credit or authorize a credit check with this company on or around this date. This is not a permissible purpose under the Fair Credit Reporting Act ( FCRA )

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 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My car was repossessed XX/XX/year> ... After receiving a email on XX/XX/year>, I didnt see this email until XXXX that evening .. That my car was going to be repo and to contact Capitol One.. I had plans to call on XX/XX/year> to see if this letter was true ... Because I received XXXX letter stating my payment I did over the phone with Capitol one agent had been cancel for non payment XXXXXXXX XXXX due to Government Shut down ... I then was told that I can also go on the Capitol one mobile app .. Agent stated to me it XXXX be other options to help me.. To bring my account current ... Which I went on the mobile app .. I was able to set my payments to {$310.00} every other XXXX from my bank account starting XX/XX/year> ... I feel that this was a invalid repossession.. Which I have XXXX letter for XX/XX/XXXX and XX/XX/XXXX... My payments will be taken from my bank account every other XXXX .. That was the arrangements .. My car should not been repo ... This is how I make my money with my car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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.

Complaint narrative:
This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NY

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 explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please examine the files supplied ; the inquiries arrived without advance notice and could be questionable.

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 2025-11-18 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: VA

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-18 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I received a call from XXXX XXXX about a debt that was XXXX under XXXX XXXX XXXX. Case number XXXX. 

Original creditor citibank na. 

XXXX XXXX XXXXXXXX

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to TransUnion. My correspondence included copies of my government-issued photo ID, Social Security card , and a recent utility bill showing my current address to fully verify my identity and residence. 
In my letter, I requested that TransUnion provide specific verification details regarding the disputed account, including : - The method used to verify the disputed item - The date TransUnion contacted the creditor or data furnisher - The contact information for both the creditor and the furnisher - The name of the individual who verified the item - The method of communication used ( e.g., phone, email, or mail ) - Confirmation of whether any of my sensitive personal informationsuch as my Social Security number, address, or date of XXXX shared during the verification process. Despite providing complete identifying documents and sufficient information for investigation, TransUnion has failed to issue any acknowledgment, communication, or results of investigation as required by law. It has now been well beyond the XXXX statutory deadline. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are legally obligated to conduct a reasonable reinvestigation and provide written results within 30 days of receiving a dispute. TransUnions continued inaction constitutes a willful violation of its duties under the FCRA, demonstrating disregard for consumer rights and federal compliance obligations. 
This lack of response not only violates federal law but also reflects a pattern of willful noncompliance that subjects TransUnion to potential liability under 15 U.S.C. 1681n for negligent or willful failure to comply with its responsibilities. 
I have attached a copy of my original dispute letter and supporting documentation to substantiate this 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Servicer : Shellpoint Mortgage Servicing / NewRez LLC Loan Number : XXXX Summary of Complaint I am filing this complaint because Shellpoint Mortgage Servicing/NewRez LLC is attempting to service and enforce a mortgage without proving ownership or standing and is providing conflicting and incomplete information about who actually owns my loan. 



Issues Reported XXXX. No Proof of Ownership / Standing Shellpoint can not produce : The Note Assignments Chain of title Trust documents Proof XXXX XXXX contains my loan Their written response dated XX/XX/XXXX admits they do not have the documents. 



XXXX. County Clerk Records Show Broken Chain of Title Alternative Loan Trust XXXX was stricken in XXXX XXXX XXXX appeared in XXXX with NO assignment chain No recorded transfer from original lender to any trust XXXX. Bankruptcy Violations The servicer added interest, principal, and escrow charges during multiple XXXX XXXX XXXX  in violation of : 11 U.S.C. 362 11 U.S.C. 524 Rule 3002.1 4. Dormant XXXX Mortgage XXXX has not contacted me in 18 years regarding a second mortgage included in my XXXX XXXX XXXX 
Shellpoint/NewRez is referencing inaccurate loan information. 



XXXX. Servicing Failures ( RESPA Violations ) Shellpoint failed to provide required information after : XXXX Requests Validation requests Ownership inquiries This violates RESPA 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 2025-11-18 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inquiries listed on my Equifax credit report. These inquiries do not accurately reflect my credit activity. I request that you investigate these inquiries and remove any that are inaccurate or unauthorized. Below are the details of the inquiries I am disputing : CHARGED OFF XXXX - XX/XX/24 XXXX - XX/XX/24

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This complaint concerns new adverse actions USAA took after the closure of CFPB complaint XXXX. 

After the prior complaint was closed, USAA reversed the provisional credit associated with my debit card dispute. This reversal occurred after the complaint was marked closed and created new financial harm, including a negative account balance. 

This action was not part of the original investigation and represents a new issue. 
The bank had previously sent me a letter stating no further action is needed, yet they later removed the provisional credit without completing a corrected or compliant investigation under 12 CFR 1005.11. 

USAA also admitted a procedural error in the original dispute ( entering the wrong transaction date ), but instead of correcting it, they forced a brand-new dispute. 
The post-closure reversal is a separate, new event that occurred after the first case ended. 

This is not a duplicate complaint. This complaint documents new adverse actions taken after closure.

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 monetary relief
Consumer complaint received 2025-11-18 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: 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 2025-11-18 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: AL

Complaint narrative:
I am submitting this dispute regarding the following accounts that I believe have inaccuracies on my credit report. I respectfully request a thorough investigation into these accounts to ensure that the information provided is accurate, complete, and up-to-date. These discrepancies are significantly impacting my credit score and my ability to obtain credit. I trust you will resolve these matters promptly and correctly. 

creditworthiness. I kindly request that you investigate these items and correct or remove any inaccuracies. 

Charged Off Accounts : XXXX Account Number : XXXX Date of Account : XX/XX/XXXX Balance : {$600.00} XXXX XXXX Account Number : XXXX Date of Account : XX/XX/XXXX Balance : {$7700.00} Inquiries : XXXX Inquiry Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Westlake Services, LLC
State: AZ

Complaint narrative:
Multiple auto lenders placed hard inquiries on my credit report on the same days without my authorization. These lenders were given my information by a dealership, but I did not give individual permission to each lender to pull my credit. Under FCRA 604 ( a ), each company must provide proof of my signed authorization or permissible purpose. I have already disputed these inquiries with the credit bureaus, but they responded with a generic statement that I applied online/phone, which is not accurate. I am requesting that each lender provide my signed authorization. If they can not, the inquiries must be deleted.

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 2025-11-18 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-18 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: CA

Complaint narrative:
This complaint is entirely legitimate and requires immediate attention. My credit report includes inaccurate information that does not meet the mandatory standard of maximum possible accuracy. 
These errors are causing severe and ongoing harm to my life, and I demand that they be thoroughly investigated and either corrected or deleted without any further delay. 
Resolving this issue is not just necessary it is absolutely critical.

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 2025-11-18 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XX/XX/XXXX or XX/XX/XXXX, my vehicle was repossessed by Ally Financial. The required notices ( sale notice and post repossession notice ) were mailed to a previous address that I had not live for at nearly a year ( my correct address at the time was XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX ). 

I contacted Ally multiple times ( XXXX XXXX and XXXX ), and both departments admitted that they can not provide the sale price of the vehicle or itemized breakdown. XXXX XXXX confirmed the account is now closed and blocked making verification impossible. The representative also confirmed that there did appear to be an itemization mismatch. 

Because Ally can not verify the account or deficiency balance, the reported repossession and deficiency are unverifiable and potentially inaccurate, which is negatively affecting my credit. I have been referred back and forth multiple times, with no resolution.

Company response to consumer: Closed with explanation