vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
what I received via mail does not confirm the ownership of this alleged debt, nor does it have my signature this isn't a original contract once more I request original contract with signature, transfer of assignment, bill of sale, and flow agreement. If you can't provide these documents I ask that you cease and desist all communication with me. sell the debt back to the original creditor, however I did not receive a XXXX form which means the alleged debt has been paid for according to the FCRA. I was told in a previous complaint via The CFPB this complaint was going to be addressed once they reach out to the original Creditor which means Aldous does NOT have my original contract who gave you the right to collect on this debt? may I also have your license giving you permission to collect on this debt. 




Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX financed through Westlake Financial . 

On XX/XX/XXXX, I was informed by the dealership that Westlake Financial had sent them a letter stating they had not received the vehicle title and were requesting that the dealership repurchase the vehicle. I immediately contacted Westlake, who confirmed with their titles department that no title had been received.

This constitutes a breach of my finance contract, as the lender can not hold a valid security interest without the title. Despite this, I am still being held responsible for the loan and payments. I also experienced mechanical failure of the vehicle within XXXX week of purchase and incurred expenses related to diagnostics, rental, and transportation. 

I requested that the dealership cancel the transaction and refund all payments, but they have not resolved the issue. This situation has caused significant financial hardship and emotional stress, and I believe it involves deceptive business practices and failure to comply with title transfer requirements under Texas law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XXXX, I placed an online order with XXXX and applied for the AppleCard issued by GoldmanSachs . A hard inquiry was made to my credit, and my account was approved and opened under account numberxxxxxxxxxxxxxxxx. From XXXX through XXXX, my monthly statements correctly listed me as the sole account owner. 

However, upon reviewing my recent credit report and corresponding account statements, I discovered that as of the XXXX statement, my daughter, xxxxxxxxxxxna college student at the University XXXX Florida at the timewas added as a Coowner on my account. My daughter never applied for the AppleCard, never consented to be added to this account, and GoldmanSachs never performed a hard inquiry on her credit. This addition occurred without her knowledge, consent, or signatureconstituting a fraudulent and unauthorized act. Additionally, the account number listed on her credit reports now appears asxxxxxxxxxxxx * * * *, which is not the original number assigned to me. My daughter has pulled her credit reports from all three major bureaus, and each one shows that this account was opened on XXXXthe same date I opened my account. This false reporting indicates she is being identified as if she opened the account herself, which is both incorrect and damaging. This unauthorized addition was made without my consent or hers using a false opened date. 

Yesterday, I called XXXX and asked for any documentation proving who owns the accountspecifically the signed application, creditpull records, and records showing who was added as coowner and whenbut they had none and escalated my case to GoldmanSachs.On XXXX, I sent a certified dispute letter to GoldmanSachs demanding removal of the coowner and correction of my credit report, and I have received no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
A few weeks ago ( around early XX/XX/year> ), I checked my student loan balance and it showed approximately {$31000.00}. Today, XX/XX/year>, I logged into my account and saw that the balance had increased to about {$34000.00}. I have not made any new disbursements or changes to the loan. 

I used an interest calculator to estimate what my interest should be, and based on my loan terms, it should be around {$160.00} per month. However, the balance increased by nearly {$3000.00} in just a few weeks, which is much higher than expected interest. 

I have not received any notices explaining this increase. I would like an explanation for this sudden rise in my loan balance and for the company to review the charges to ensure they are correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my XXXX  formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite XXXX previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( XXXX ). You are legally required to conduct a reasonable reinvestigation and respond within XXXX  days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 


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 2025-05-02 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: TN

Complaint narrative:
A medical collection from XXXX XXXX XXXX is being reported on two of the three credit bureaus ( TransUnion and Equifax ), but not on Experian. This inconsistency raises concerns about accuracy and completeness under the Fair Credit Reporting Act ( FCRA ). The amount being reported is {$1000.00} and is related to XXXX XXXX XXXX XXXX  XXXX I have submitted disputes to both Equifax and TransUnion regarding this collection. Despite this, the account remains on my reports without supporting documentation or complete reporting across all bureaus. I am requesting the removal of this account from my credit reports unless it can be fully validated and reported consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: AZ

Complaint narrative:
XXXX has sent me a letter confirming that I did not open the credit card account in question and that it was determined to be fraudulent. Despite this confirmation, Experian is still reporting the account on my credit report. This inaccurate information is negatively impacting my credit score and does not reflect my actual credit history. I have already had this fraudulent account successfully removed by both XXXX XXXX XXXX. I am requesting that Experian take immediate action to i remove this unauthorized account from 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 2025-05-02 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: IL

Complaint narrative:
I discovered several fraudulent items on my credit report that I did not authorize. A collection account from " XXXX XXXX XXXX XXXX XXXX' was opened on XX/XX/XXXX, with a balance of {$9800.00}. I did not open this account, and it was reported without my consent. Additionally, there are multiple unauthorized hard inquiries on my credit report from various companies, including XXXX XXXX XXXX XXXX XXXX XXXX and others between XX/XX/XXXX and XX/XX/XXXX. These inquiries were not authorized by me and indicate fraudulent activity, likely due to identity theft. I have also noticed that outdated addresses are still associated with my credit file, even though my only valid address is in 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 2025-05-02 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: NY

Complaint narrative:
I am writing to you as the holder of account number XXXX for my credit card XXXX XXXX XXXX to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : 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 2025-05-02 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: FL

Complaint narrative:
Experian is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Experian written correspondence which include my proof of identity, an identity report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

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 2025-05-02 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: NJ

Complaint narrative:
XXXX XX/XX/XXXX, I discovered several unauthorized accounts listed on my credit report. These accounts were opened without my knowledge or consent and appear to be the result of identity theft or the misuse of my personal information. The fraudulent accounts include : XXXX XXXX XXXX Line of Credit Opened : XX/XX/XXXX XXXX XXXX XXXX  Credit Card Opened : XX/XX/XXXX XXXX XXXX  Charge Card Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Loan Opened : XX/XX/XXXX XXXX Business Loan Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  Collection Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Sales Contract Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX Inquired XXXX : XX/XX/XXXX The above accounts and inquiry were not authorized by me and are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry ( s ) : Date of Inquiry ( s ) : Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-05-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX  continued and unlawful reporting of inaccurate and misleading information to the credit bureaus. 

This account was paid in full and closed on XX/XX/XXXX. Despite that, XXXX XXXX has continued to report late payments as recent as XXXX and XXXX, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting guidelines. 

Additionally, they appear to be reaging the account, artificially updating the date of last activity to make the account look more recent than it truly is. This deceptive practice is designed to damage my credit profile and extend the negative impact of a closed accountwhich is illegal under FCRA 623 ( a ) ( 2 ) ( A ), requiring furnishers to report accurate and complete information. 

I have already disputed this multiple times directly with the credit bureaus, yet the inaccurate reporting continues. XXXX XXXX actions are misleading, damaging, and in blatant violation of federal 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 explanation
Consumer complaint received 2025-05-02 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: NC

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX  continued and unlawful reporting of inaccurate and misleading information to the credit bureaus. 

This account was paid in full and closed on XX/XX/XXXX. Despite that, XXXX XXXX has continued to report late payments as recent as XXXX and XXXX, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting guidelines.

Additionally, they appear to be reaging the account, artificially updating the date of last activity to make the account look more recent than it truly is. This deceptive practice is designed to damage my credit profile and extend the negative impact of a closed accountwhich is illegal under FCRA 623 ( a ) ( 2 ) ( A ), requiring furnishers to report accurate and complete information.

I have already disputed this multiple times directly with the credit bureaus, yet the inaccurate reporting continues. XXXX XXXX actions are misleading, damaging, and in blatant violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Transunion, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report :

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 2025-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Lennar Financial Services, LLC
State: CO

Complaint narrative:
I am a licensed mortgage loan XXXX and would like to file a complaint regarding what I believe to be anti-competitive and coercive lending practices by homebuilders through their affiliated mortgage companies. 

Many large builders are offering significantly below-market interest rates for example, 3.99 % fixed rates that are only available if the buyer agrees to use the builders in-house or affiliated lender. 

While affiliated business arrangements are permitted under RESPA, these offers appear to go beyond legal incentive structures and functionally restrict the buyers ability to shop for financing elsewhere, violating the spirit of consumer protection and fair competition laws. 

These practices raise serious concerns : Buyers are led to believe they will lose thousands in incentives or access to below-market rates unless they use the builders lender. 

There is no equivalent rate or offer available through independent lenders, making competition nearly impossible. 

In many cases, these costs are built into the price of the home, misleading the buyer into thinking they are receiving a benefit. 

I am requesting the CFPB to : Review the legality and transparency of these builder incentives. 

Ensure consumers are receiving proper affiliated business disclosures and not being steered unfairly. 

Consider whether these practices warrant guidance, enforcement, or further regulation. 

This issue is widespread across the mortgage industry and has made it increasingly difficult for independent loan officers and brokers to compete, even when offering better overall terms.

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