vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: NJ

Complaint narrative:
I am submitting this dispute regarding a hard inquiry from XXXXXXXX XXXX that is appearing on my credit file. I am also requesting that this dispute be handled in accordance with CFPB guidelines, FCRA requirements, and Metro 2 Compliance Reporting Standards. This inquiry is not mine, and I never granted any authorization for XXXXXXXX XXXX or anyone acting on their behalf to access my credit report.

1. FCRA 604 No Permissible Purpose Under 15 U.S. Code 1681b ( FCRA 604 ), a creditor must have a permissible purpose to access a consumers credit file.I did not apply for credit with XXXXXXXX XXXX .

I did not authorize a credit pull. I did not provide written, verbal, or electronic consent.

Because no permissible purpose exists, this inquiry is unlawful and must be removed.

2. FCRA 611 Duty to Investigate I am requesting an investigation as required by FCRA 611.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Goldman Sachs is reporting inconsistent and inaccurate information on my Apple Card account across all three credit bureaus. The account shows as closed on XX/XX/year>, but Goldman Sachs continued to report multiple late payments and a past-due balance after the closure date. Closed accounts should not continue to show rolling delinquency or an active past-due balance, and this is not consistent with XXXX reporting guidelines . 

The payment history, charge-off notation, delinquency sequence ( XXXX ), and the past-due amount of {$3000.00} do not match the date the account was closed and appear internally inconsistent. I requested supporting documentation from Goldman Sachs to validate the delinquency dates, charge-off details, and the information they furnished to the credit bureaus, but no documentation was provided. 

Because the information is not being validated and appears to be reported inaccurately on all three credit bureaus, I am submitting this complaint for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
Dear experian/equifax/TransUnion. I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax and Experian. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please confirm the account name, number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX email : 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 2025-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There is an account from Capital One on my credit report, account number XXXX, that is reporting a late payment in XX/XX/year>. This is inaccurate, as my payments were deferred due to XXXX, and I was protected under the CARES Act. This late payment has only been reported by XXXX  and has never been verified as accurate. 

I am requesting that this inaccurate late payment be removed from my XXXX  credit report immediately and that the account be updated to reflect its true status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
As of today, XX/XX/XXXX, XXXX, I have received more than XXXX correspondence from American Express of XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with business entities that do NOT reside at my home address and that I have NO knowledge. To wit, XXXX XXXX American Express has acknowledged that there is a problem with Identity Theft ; for example, '' XXXX XXXX XXXX '' is using my physical address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ) but they AMEX refuses to purge their records of these perpetrators. Perhaps XXXX XXXX logic is that these Grifters are " good '' for business?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
XX/XX/year> DENIED access after canceling card in XX/XX/year> XX/XX/year> ACCESS REGAINED to website after filling XX/XX/year> complaint with CFPB XX/XX/year> received a letter from concora dated XX/XX/scrub>XXXX XXXX days later after my initial CFPB COMPLAINT. 

XX/XX/year> PAID IN FULL {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CarMax, Inc.
State: MD

Complaint narrative:
In XXXX of XXXX I finished paying off my XXXX XXXX XXXX, bought and financed through CarMax auto finance. After waiting several months, they sent me a lien release after some mild badgering on my end. A year later, I went to trade in the car and realized my lien release had been misplaced during a move. Thinking that they would have certainly taken their name off of my title after a year of it having been paid off, I requested a new title from the XXXX only to find it still had them listed. 

I reached out to them on XX/XX/XXXX requesting a duplicate lien release be sent to me. I followed up on XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-15 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: MS

Complaint narrative:
An account that is completely unknown to me has been placed on my credit report without my knowledge or authorization. I never opened, used, or managed this account, and its presence is a clear inaccuracy that misrepresents my financial history. I take the integrity of my credit profile seriously, and discovering this unknown account on my file is both alarming and unacceptable.

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 2025-11-15 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-15 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I was contacted by Mohela on XX/XX/year> at XXXXXXXX XXXX. stating that I owed over {$29000.00} in student loans and that I was in the XXXX  days overdue and that then next step was to garnish my wages, if I did not set up a payment plan with them. I then asked them to send me all information regarding my loan and fraud paperwork. XXXX  this was done, I contacted the school on XX/XX/year> at XXXXXXXX XXXX to confirm any debt and was told that I did not have any debt withstanding and that my balance was {$0.00} paid by the military XXXX XXXX. I then reached back out to Mohela on XX/XX/year> at XXXXXXXX XXXX and spoke with a lady named XXXX who would not assist me. I have never requested student loans in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
XXXX has been listed on my account as a negative account! I paid this account off in full and early, why is it showing up as a negative account! XXXX  XXXX account is not mine, the XXXX account is not mine either nor is the source receivables account either! Please remove it immediately

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 2025-11-15 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: GA

Complaint narrative:
XXXX has been listed on my account as a negative account! I paid this account off in full and early, why is it showing up as a negative account! XXXX  XXXX account is not mine, the XXXX account is not mine either nor is the source receivables account either! Please remove it immediately

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 2025-11-15 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: FL

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: PA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Received notice via XXXX - that I have 20 - 30 days to make payment on account or they will be sending this debt to an attorney for collections. I have pulled all of my credit reports this debt is not showing on any of them. I never had an account with Midland Credit Management. I do not believe this is an accurate balance total? Who did they buy this debt from? What did they pay to buy this from the original debtor? I sent them a USC 1692G request asking for all the pertinent information. Was this a charge off debt?

How can they collect on a debt that is not even showing on my credit report? 

Please help me to understand my rights. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: PNC Bank N.A.
State: GA

Complaint narrative:
XX/XX/XXXX PNC XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX ( XXXX ) XXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following INQUIRY FROM THIS COMPANY : PNC XXXX XXXX, DATE : XX/XX/XXXX... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following INQUIRY : PNC XXXX XXXX, DATE : XX/XX/XXXX be UPDATED AND DELETED IMMEDIATLY...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: WA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I inherited our home from my parents. My brother, the executer of the estate deeded the property to my trust, and I deeded the property to my wife 's trust. I have XXXX  XXXX XXXX, and we wanted her to have the property, not me for estate reasons. We made payments for years after my parents died, and paid the impound account. All we wanted to do was continue to make payments, but Shellpoint would not acknowledge our homeowners insurance, and continues to charge us for insurance needlessly and harass us for payments when they have been holding our insurance funds in our impound account. Shellpoint is trying to make us refinance to pay off a XXXX percent loan, and not at all helping us. I have provided numerous times all the info that Shellpiont wanted, death certificates, transfer documents, drivers licenses, etc. And all Shellpoint did was wrote me a condolence letter. That is so not cool.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Unjustified Credit Line Reduction, Discriminatory Adverse Action, and Failure to Provide Proper Notice Statement : I am filing a complaint against Chase Bank for an unjustified and discriminatory reduction of my credit limit on my Visa card ending in XXXX. 

Chase reduced my credit line from {$10000.00} without prior notice and without providing a valid written explanation as required by federal law. This clearly constitutes an adverse action under ECOA and Regulation B. 

The reduction occurred immediately after XXXX issued a false and misleading adverse action, which Chase appears to have relied upon without independently verifying the accuracy of my credit profile. I have an established record of timely payments, strong creditworthiness, and no delinquency. 

Chases decision was arbitrary, punitive, and inflicted substantial financial harm by increasing my utilization ratio and lowering my credit score. The timing and lack of due process raise concerns of discriminatory treatment and systemic abuse of credit evaluation tools.

Company response to consumer: Closed with explanation