vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence of the improper inquiries on my account. 

XXXX. XXXX XXXX CARD/ DATE : XX/XX/XXXX XXXX. XXXX XXXX CARD/ DATE : XX/XX/XXXX XXXX. XXXX / DATE : XX/XX/XXXXXXXX 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 2025-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence of the improper inquiries on my account. 

XXXX. XXXX XXXX CARD/ DATE : XX/XX/XXXX XXXX. XXXX XXXX CARD/ DATE : XX/XX/XXXX XXXX. XXXX / DATE : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
b'This complaint serves as my sixth formal removal request, following several prior disputes that have been ignored or inadequately addressed. I am deeply concerned that your bureau continues to report unauthorized inquiries that I have previously challenged and that remain unverified to this date. This repeated failure to delete disputed information is a direct violation of my rights under federal law.\nDespite multiple prior notices, the following inquiries are still appearing on my credit file:\n 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 XXXXnThese inquiries were never authorized, initiated, or consented to by me, and no written documentation has been provided by the data furnishers to prove otherwise. Continuing to report these inquiries despite multiple disputes violates the Fair Credit Reporting Act (FCRA) and constitutes willful negligence in maintaining the accuracy and integrity of consumer information.\nUnder FCRA  604(a) and  604(f) (15 U.S.C.  1681b(a) &  1681b(f)), a consumer reporting agency may only furnish a report when there is a legitimate, permissible purpose  such as a consumers explicit consent or a verifiable credit transaction. None of these inquiries meet that threshold.\nFurther, FCRA  619 (15 U.S.C.  1681q) imposes criminal penalties for any person who knowingly and willfully obtains a consumer report under false pretenses. If your bureau has allowed these entities to access my file without authorization or verification, that is a direct breach of your legal responsibility under FCRA  607(a) (15 U.S.C.  1681e(a)), which requires you to establish and maintain reasonable procedures to prevent the release of consumer data to unauthorized persons.\nAdditionally, my right under FCRA  611(a) (15 U.S.C.  1681i(a)) mandates that when a consumer disputes any part of their file, the bureau must conduct a reasonable reinvestigation and delete any unverified information within the statutory 30-day period. Your continued inaction proves that no such reinvestigation was properly conducted.\nFinally, FCRA  605B (15 U.S.C.  1681c-2) protects consumers from the ongoing harm of unauthorized or fraudulent information by granting the right to have such information blocked and permanently deleted from a credit report. You have received sufficient notice and evidence of non-authorization, and you are legally obligated to comply.'

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 2025-11-03 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: TX

Complaint narrative:
Subject : American Express Refusal to deliver gift cards requested before account closure To whom it may concern : I am submitting this complaint regarding American Express and their refusal to deliver my requested gift cards associated with my former American Express XXXX XXXX account. 
Details of the issue : I was a cardholder of an American Express XXXX XXXX. 
Before closing my account, I redeemed my Membership Rewards points for gift cards and requested that they be mailed to me. 
I made the redemption while my account was still active and in good standing. 
However, the gift cards never arrived by mail. 
When I contacted American Express customer service, I was informed that they could not resend or reissue the gift cards because my account had since been closed. 
I believe this is unfair and contrary to the terms of the Membership Rewards program, as the redemption was completed before the account closure. I fulfilled all the requirements and Amex should honor the reward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adelante, Inc
State: CA

Complaint narrative:
Dear Sir/Madam, I found a collection in my credit report for {$620.00}. The collecting agency was saying that there is an insurance company that cover one of the rental car ( XXXX XXXX XXXX Incident Date XX/XX/XXXX ). They claimed that I had a glass incident that day. 
I gave them my insurance ( XXXX ) and I had reported that incident and my insurance paid them around {$1200.00} for the repair. 
Few months after, I found a collection agency is asking me to pay a balance of XXXX. 
This amount is still there even after I had disputed with XXXX  and still damaging my credit that I am trying to rbuild Kindly need this problem to be solved Best refards, 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 explanation
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: GA

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I qualified for a mortgage modification with Shellpoint Mortgage. After making their dictated 3 trial monthly modification payments ( XXXX, XXXX, XXXX XXXX  ) of {$2400.00}, they demanded a 20 % increased monthly payment of {$2900.00} to sign the modification agreement. 
Also, demanded a previously undisclosed balloon payment of {$530000.00} due after making 10 years of payments on their proposed modification. 
I would not sign this extortion modification, so we are scheduled for a foreclosure trial on this coming Fri, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 sent my ftc report/notarized identity theft affidavit and my license to Experian on XX/XX/year>

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
Credit report was pulled on XX/XX/year>, it showed that student loans were in collection in XXXX. This is incorrect information. My student loans are in good standing. I have documents to show I am in good standing ; no past due for XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Pursuant to 15 u.s.c 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under 15 u.s.c 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MO

Complaint narrative:
I request that this account be removed and that you forward written documentation confirming the deletion.

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 2025-11-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MI

Complaint narrative:
CFPB Complaint No. : XXXX NOT A DUPLICATE COMPLAINT NEW EVIDENCE OF WRONG ADDRESS, ALTERED RECORDS & INACCURATE REPORTING. I am filing a new complaint against XXXX XXXX XXXX for continued inaccurate reporting, altered records, and unauthorized disclosures. 

XXXX reported my auto loan as delinquent and redeemed repossession even though the account was reinstated and had active deferments in XXXX, XXXX, and XX/XX/XXXX. Reporting late payments during approved deferments violates FCRA 623 ( a ) ( 1 ) ( A ) and Metro-2 guidelines. 

XXXX mailed all default and presale notices to my co-signer at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, not to me, violating UCC 9-611 and 9-613. They only began using my XXXX address after I filed a dispute in XX/XX/XXXX, proving alteration of internal records. Even as late as XX/XX/XXXX, XXXX continued sending official responses to the XXXX address. 

I also discovered that XXXX continues to send verification codes and account-access emails to my removed co-signer, despite confirming his removal from the loan. This is a violation of GLBA 501 ( b ) and FTC Act 5, as it exposes my personal financial information to an unauthorized third party. 

Most importantly, on XX/XX/XXXX, I received a direct email from XXXX XXXX ( XXXX ) offering me a payment extension for the month of XX/XX/XXXX, confirming that my account was still active and eligible for deferment. Sending a deferment offer while simultaneously reporting the account as past due and repossessed is deceptive and constitutes inaccurate reporting under FCRA 623 ( a ) ( 1 ) ( A ) and FTC Act 5. 

XXXX pattern of behavior also shows a deceptive servicing practice. They repeatedly offered deferments and extensions that implied my account would remain in good standing, yet continued to report delinquencies and repossession data. This violates FTC Act 5 ( deceptive acts and practices ) and breaches the implied duty of good faith and fair dealing. Offering deferments they never intend to honor misleads consumers and creates continued financial harm. 

XXXX  has already deleted this tradeline as inaccurate ( XX/XX/XXXX ), but Experian and TransUnion continue to report it with false delinquency and repossession data. 

I request that XXXX correct all reporting, refund improper fees ( approximately {$800.00} ), cease unauthorized data sharing with my co-signer, and provide written confirmation of compliance with FCRA, UCC, and GLBA regulations.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding an inaccurate account appearing on my credit report. The account in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$8400.00}, is incorrect and should not be associated with my credit history. Despite my prior dispute, this account continues to appear on my report, and I have not received any explanation, validation, or documentation from the credit bureau regarding its continued reporting. This failure to correct or properly reinvestigate the inaccurate information constitutes a violation of the accuracy and reinvestigation requirements under FCRA 1681e ( b ) and 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sending to formally dispute the reporting of inaccurate and unverifiable late payment accounts currently appearing on my credit report. After reviewing my records, I found several accounts reflecting late payment notations that are incorrect and do not align with my verified payment history. These entries are misleading, harm my credit standing, and appear to be the result of either a reporting or billing error. I take my financial obligations seriously and have maintained a consistent payment record, so these inaccuracies require immediate correction and reinvestigation.

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 2025-11-03 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: FL

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my 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 2025-11-03 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: ProCollect, Inc.
State: VA

Complaint narrative:
I am filing this complaint because PROCOLLECT , INC is reporting inaccurate and unverified information on my credit report in violation of the FCRA and the FDCPA. I previously sent a credit dispute letter to the credit reporting agencies regarding this account. In response, the credit bureaus stated that PROCOLLECT , INC claimed the debt was verified. However, no documentation or evidence was provided to either the credit bureaus or myself. This response does not meet the verification standards required to continue collection or credit reporting activity. Under 15 U.S.C. 1692g ( b ) of the FDCPA, proper verification must include : A copy of the original signed contract or agreement bearing my signature with the alleged creditor ; Proof of ownership or assignment, such as a bill of sale or assignment agreement showing the legal transfer of the specific debt ; A full account history, including all payments, charges, and fees applied to the alleged account ; and Validation that the amount claimed is accurate and has not been inflated or altered after transfer. PROCOLLECT , INC provided none of the above documentation. I reached out to the original creditor directly to request verification and documentation regarding : The amount of the alleged debt, The date I was notified that the account was delinquent or being sold, and Verification of the debt collectors authority to collect or report on their behalf.

To date, I have received no response or proof of any of these items.. This also raises potential violations under the Fair Debt Collection Practices Act ( FDCPA ) regarding the communication and transfer of alleged debts without proper notice or consent.

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 2025-11-03 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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