vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: VA

Complaint narrative:
In XXXX  a solar panel loan was taken out in my name with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I did not consent to this loan and did not have the legal or mental capacity to enter into any contract at the time. I was actively receiving XXXX XXXX XXXX  and I have documentation from the XXXX XXXX XXXX XXXXXXXX XXXX confirming I was diagnosed with BiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been deemed 100 % permanently and totally XXXX by the XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 

Despite my incapacity, a UCC-1 lien was filed against my property on XX/XX/2023 ( XXXX XXXX. XXXX ), listing solar panel equipment as collateral. This was done without my valid signature or informed consent. Since then, this fraudulent loan has been reported to credit bureaus under my name, negatively impacting my credit and interfering with my ability to secure housing and financial stability. 

I submitted a notarized affidavit of non-consent and mental incapacity, an FTC Identity Theft Report ( No. XXXX ), and a formal contract rescission package, but I have received no resolution. I am requesting the immediate removal of this loan account from my credit report, cancellation of the lien, and a full rescission of the fraudulent contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: VA

Complaint narrative:
In 2023, a solar panel loan was taken out in my name with XXXX XXXX XXXX ( now serviced by XXXX XXXX XXXX ). I did not consent to this loan and did not have the legal or mental capacity to enter into any contract at the time. I was actively receiving XXXX XXXX XXXX, and I have documentation from the VA and XXXX XXXX XXXX confirming I was diagnosed with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have been deemed XXXX XXXX XXXX XXXX XXXX XXXXXXXX by the U.S. Department of Veterans Affairs. 

Despite my incapacity, a UCC-1 lien was filed against my property on XX/XX/year> ( Filing No. XXXX ), li

sting solar panel equipment as collateral. This was done without my valid signature or informed consent. Since then, this fraudulent loan has been reported to credit bureaus under my name, negatively impacting my credit and interfering with my ability to secure housing and financial stability. I submitted a notarized affidavit of non-consent and mental incapacity, an FTC Identity Theft Report ( No. XXXX ), and a formal contract rescission package, but I have received no resolution. I am requesting the immediate removal of this loan account from my credit report, cancellation of the lien, and a full rescission of the fraudulent contract.

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 2025-07-17 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I am a XXXX woman whose phone was hacked. A fraudulent debit card charge of {$520.00} was made to buy concert tickets something I have never done in my life. I received a phone call from XXXX  about suspicious activity, and when I called back, they confirmed two more fraudulent charges ( about {$1000.00} ) had been attempted. At first, XXXX  refunded the {$520.00} charge. Then they reversed it and claimed it came from my email, even though I had no knowledge or authorization of the charge. They then shut off my debit card access. I have reported this promptly, and they have treated me like I am responsible rather than the victim. I am asking for full reimbursement and a written explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed ( 2 ) inquiries that I did not authorize, I am unaware of, and believe to be fraudulent made by the following companies : Inquiries : XXXX XXXX XX/XX/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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I received communication from a courier representing XXXX XXXX XXXX XXXX XXXX regarding the delivery of certain documents. During our conversation, the courier provided me with the contact information for XXXX XXXX XXXX XXXX XXXX. They indicated that the documents pertain to an account I had with Capital One Debt Collection dating back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-17 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC
State: TN

Complaint narrative:
In XXXX, I refinanced my auto loan through XXXX XXXX XXXX. My original loan with XXXX XXXX XXXX included GAP ( Guaranteed Asset Protection ) insurance, which protected me in the event of a total loss. At the time of refinancing, I was never informedverbally or in writingthat my GAP coverage would be canceled, nor was I offered an opportunity to purchase replacement coverage. 

After the refinance, XXXX XXXX ( my insurer ) confirmed that GAP was still in place, which led me to believe no change had occurred. XXXX made no effort to correct this misunderstanding or disclose the truth. In XXXX, my vehicle was totaled, and I was then informed I was fully responsible for the {$8400.00} deficiency balance because no GAP was active. This was the first time I was made aware that GAP had been removed. 

On XX/XX/XXXX, I contacted XXXX mitigation department and spoke with representatives named XXXX and XXXX, who dismissed my concern by stating, you didnt read the contract. No documentation has ever been provided showing I was informed that my GAP was being canceled or excluded. 

This omission caused direct financial harm and constitutes a material misrepresentation and unfair, deceptive, or abusive act or practice ( UDAAP ) under the Truth in Lending Act, Dodd-Frank Act, and Tennessee Consumer Protection Act.

I have submitted a formal dispute directly to XXXX XXXX and am now seeking federal regulatory review. Their actions deprived me of critical financial protection, shifted full risk to me without consent, and failed basic legal disclosure standards.

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 2025-07-17 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: NC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/year> they sent a letter to me that I didn't even receive for a few weeks later as I am just staying at a friends house and not renting so I didn't even know I had this letter for awhile later. I didn't even know how they found me but the letter was stating that I owed XXXX for back rent. I had prior eviction case that was sealed, dismissed, 0.00 owed as I moved out like I was told. This amount was not even asked for in my eviction case at all, only one month that was in my eviction case that they wanted. As such, I do not owe the claimed debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

So with this first letter they sent me saying I had until XX/XX/year>. So within that time frame which I did respond asking for valid proof and they sent me a letter dating XX/XX/year> which I didn't get for a while once again... all they sent me was a little lease that had no receipts, what months I did or didn't pay, no ledger, no case reopening, itemized statement, documentation me showing I owe the rent, any legal authority to collect the amount they are seeking. 
So with them sending me that letter with just a lease and them just saying I owe a certain amount with no full proof, they sent me to collections/credit bureau XXXX They didn't give me 30 days to respond like the letter on XX/XX/year> said they would give me. I mailed them back within those 30 days that the second letter said I had to respond to dispute so I mailed back demanding full validation of proof of ledger, itemized statement, documentation showing i owe the rent, legal authority to collect what they are seeking. 
So now they didn't give me no full proof of validation nor gave me 30 days from the second letter dated and this goes against FDCPA and the Fair credit reporting act. I now consider this harassing me as well asking for money they didn't fully validate and mailing me, sending to collections without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom It XXXX Concern, I am writing to dispute the above-referenced account, which was fraudulently opened in my name without my authorization or consent. I am the victim of identity theft, and this SYNCB/Amazon XXXX account ending in XXXX is one of several fraudulent accounts that were illegally established using my personal information.

I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), which documents this account along with others affected by this case of fraud. A copy of the FTC report is enclosed for your records.

In addition, I am currently represented by an attorney who is actively handling this matter. A letter from my attorney, who is in the process of contacting all impacted creditors on my behalf, is included with this letter.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are legally obligated to block and delete any information from my credit report that results from identity theft upon receipt of proper documentation. In accordance with FCRA 1681g ( e ), you are also required to provide details on the procedures used to verify the validity of this account.

Please note that my drivers license reflects a previous address, but I am including a recent utility bill as proof of my current address.

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 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: KS

Complaint narrative:
Unknown debts from collectors or companies I don't know of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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've recently received a copy of my credit report and noticed several inaccuracies, unauthorized accounts/information, and addresses. Despite my effort to resolve directly with the credit agency it remains unresolved. I request immediate Investigation and removal of the listed items as they are incorrect and have been detrimental to my life and credit health. 

COLLECTIONS : XXXX XXXX XXXX XXXX  : {$220.00}, XXXX XXXX XXXX {$15000.00}, XXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX : {$1900.00}, XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX {$4300.00}, XXXX. XXXX XXXX {$1600.00} UNAUTHORIZED HARD INQURIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ADDRESSES NOT VALID : XXXX XXXX XXXX  XXXX XXXX, CA XXXX FRAUDULANT CHECKING RECORD : XXXX XXXX XXXX Suspected Fraud Activity I have called all 3 Credit Reporting Companies with no Resolution.

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