vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: The Savings Group, Inc.
State: OH

Complaint narrative:
I am contacting you regarding suspicious and unauthorized loan activity initiated by XXXX XXXX XXXX XXXX, which appears to have been facilitated through your platform. 

While I did apply for a potential auto refinance, the application was quickly declined. However, I later discovered a hard inquiry on my credit report and, more concerning, a loan request of {$12000.00} dated XX/XX/year>, nearly approved under my namewithout my knowledge or consent. 

Upon investigating further, I was told by Rate Genius Loan Services that a representative named XXXX allegedly spoke with me and discussed this loan. This is completely falseno such conversation took place, and I never authorized XXXX XXXX XXXX XXXX or Rate Genius to submit a loan application on my behalf. 

I am requesting this matter be escalated immediately. XXXX XXXX XXXX XXXX actions appear unauthorized and fraudulent. If this is not resolved quickly, I will be forced to take further action through regulatory and legal channels. 

Please confirm receipt and advise on the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
You guys are sending me false information because i never had a blink account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-17 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.
State: MD

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations. 

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( XXXX XXXX XXXX  - Account Number : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error XXXX XXXX XXXX XXXX and must be resolved immediately. 


DEPT OF EDUCATIONXXXX # XXXX -- - Opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX  # XXXX -- - Opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX  # XXXX -- - Opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX  # XXXX -- - Opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX  # XXXX -- - Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
MY PERSONAL INFORMATION HAS BEEN INVOLVED IN THE DATA BREACH. I CHECKED MY CREDIT REPORT AND NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED. I CALL EACH BUREAU REQUESTING ADDRESSES TO BE REMOVED FOLLOWING UP WITH LETTERS CERTIFIED MAIL AND THESE ADDRESSES ARE STILL REPORTING TO MY PROFILE. REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF 15 USC 1681 C-2 AND 15 USC 1681 EB

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 2025-04-17 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: Nelnet, Inc.
State: TX

Complaint narrative:
Subject : Dispute of fraudulent Student Loans- Identity Theft Notification To Whom It May Concern, I am writing to formally dispute the validity and ownership of one or more student loans currently reported under my name. I am a victim of identity theft and did not apply for any student loans during my time at XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

During my enrollment, I was awarded a XXXX XXXX  which covered a significant portion of my educational expenses, leaving no need to apply for any student loans. Furthermore, my wallet was stolen, and with it, my Social Security number and other personally identifiable information. I have strong reason to believe that this information was used by an unauthorized individual to fraudulently obtain student loans using my identity. 

Of particular concern is a loan that was reportedly disbursed around XX/XX/year>. At that time, I was working full-time and had never enrolled in or attended the school where this loan originated. 

Upon reviewing the documents associated with these loans, I have noticed that none of them contain my actual signature. Instead, they display only typed versions of my name, which further supports my claim that I did not authorize or request these funds. 

This situation has had a severe and negative impact on my XXXX XXXX and good financial standing. I have always maintained responsible credit behavior, and these fraudulent loans are now affecting my ability to qualify for housing, financing, and other essential services. 

I respectfully request a full investigation into this matter and the immediate removal or correction of any inaccurate or unauthorized loan information from my credit report. 

Thank you for your attention and assistance in resolving this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Our mortgage loan was transferred from XXXX XXXX XXXX  to Freedom Mortgage on XX/XX/2025. The balance of the loan ( principal ) when it was released from XXXX XXXX XXXX  was {$480000.00}. However, the loan balance that Freedom Mortgage shows on my account is {$480000.00}. This means that the {$3500.00} payment that I made on XX/XX/2025 was not applied to the loan and has essentially vanished or been stolen. I have bank records to support this claim, along with statements from XXXX XXXX XXXX  and Freedom Mortgage. 
On XX/XX/2025, I took the initiative to reach out to Freedom Mortgage to let them know of the inaccurate loan balance. Since then, I have been proactive to be in communication with Freedom Mortgage to get this resolved. I can support this claim with numerous emails and messages through Freedom Mortgage 's message center. I have also called and spoke to representatives on several occasions. I have let Freedom Mortgage know that we are happy and willing to pay our monthly payments but will do so when the loan balance has been corrected. 
Today, XX/XX/2025, during another call where I, again took initiative and was proactive, reached out to Freedom Mortgage where I was notified that our loan/ account has been sent to collections which will begin to cause damage to our credit score. This contradicts what we were told by Freedom Mortgage during a call around late XXXX that we will not be sent to collections within XXXX days of a loan transfer. 
Freedom Mortgage has essentially stolen funds that were supposed to be reflected on our loan balance, lied, and has been deceitful that has now ultimately began to cause permanent damage to our credit score. 
I have attached XXXX documents, XXXX statement from XXXX XXXX XXXX and the other from Freedom Mortgage, that show the discrepancies in principal balance.

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 2025-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: OK

Complaint narrative:
I have been receiving calls from a Hunter Warfield company on behalf of XXXX XXXX XXXX. They dont disclose theyre trying to collect a debt. They leave vague voicemails and I havent gotten a written notice in the mail. I actually had left the property the debt is trying to be collected before the eviction process and I had notified the landlord as well. This to me seems like a fraudulent practice. I turned the keys in before I left in the apartment and the lease was broken because the apartments were hot and riddled with roaches.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
XX/XX/year> XXXX XXXX  I telephoned Equifax and was advised by an Equifax representative that I would have to file a fraud inquiry with FTC and receive documentation from FTC that the report had been filed. I was further advised I would have to mail copy of said report to Equifax along with a copy of my driver 's license to their offices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: Southern Auto Finance Co
State: GA

Complaint narrative:
I have BEGGED SAFCO to rectify this account legally and the blatant refusal leaves me no choice than to move forward. I am now addressing a secondary issue of predatory lending. This loan start date was XX/XX/year> with a starting balance of {$14000.00} ( Refer to SAFCO XXXX XXXX XXXX XXXX dated XXXX balance of loan- {$14000.00} ) I have paid over XXXX on this loan ( XXXX including the payments REMOVED/REVERSED off loan ). Provided a multitude of records from your system showing over $ XXXX in reversals ) The reversals of over $ XXXX has not been explained nor refunded. 
A Title is due and an substantial refund on this account.

I need Compliance in upper management and Accounting to rectify this immediately. 
I expect expeditiously my TITLE to be sent & a refund of ALL reversals & overpaid payments. 

This has been escalated on any and all levels that one can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX, Ally Financial reported to credit bureau that the account had been " full termination, balance owing '' then " account closed- " settled for less than full balance. '' This resulted in significant decrease in my credit scores ( from mid XXXX 's to low XXXX 's ). This information is incorrect. 

I filed dispute XXXX after calling Ally and was offered no resolution except to dispute the items reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am showing several charge offs listed on my credit that should be removed. I am also showing an address listed that is not mine. 

XXXX XXXX in the amount of {$2900.00} since XXXX  XXXX XXXX has ben paid off and closed since XXXX  XXXX XXXX has been paid off and closed since XXXX  ( I think XXXX XXXX XXXX XXXX XXXX  has been charged off since XXXX  The address that is listed that is not mine is XXXX XXXX XXXX, XXXX XXXX VA XXXX, XXXX have never lived at this address. 

The addresses listed below that can be removed as it has been over 20 years since I have lived there. 
XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA 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 2025-04-17 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: MD

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries 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 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

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 2025-04-17 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GU

Complaint narrative:
A debt collection was placed on my credit report from Wakefield & Associates for a debt from XXXXXXXX XXXX XXXX XXXX XXXX. This account is fraudulent and not mine, disputed account with credit bureaus and company denied dispute with no communication ; although not my account. Have never lived nor received XXXX XXXX in the state of Ohio. Account opened XX/XX/XXXX for {$1100.00}. I live on the island of XXXX and have lived here sense XX/XX/XXXX. Account fruad and they will not remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-17 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-17 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: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-17 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: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief