vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
A XXXX XXXX XXXX XXXX was registered using my residential address without my consent. I received a vehicle service notice addressed to someone else ( XXXX XXXX ) with Owner ID XXXX. I submitted a FOIL request to the NY XXXX on XX/XX/XXXX, to investigate. I do not own a vehicle and did not authorize use of my address. I am concerned this may involve credit or insurance fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: IL

Complaint narrative:
I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account name : 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 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 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 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 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 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 2025-09-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Solar Mosaic LLC
State: ID

Complaint narrative:
On XX/XX/XXXX, I canceled a solar installation contract with XXXX XXXX, and their records show the cancellation on XX/XX/XXXX. No installation was ever performed. 

Despite the cancellation, Mosaic disbursed {$23000.00} to XXXX XXXX on XX/XX/XXXX, before any work had begun or design of solar system approval. No contracted work was provided. In XX/XX/XXXX, the escrow funds I paid were refunded through XXXX, confirming the project was canceled. 

XXXX XXXX delayed sending the cancellation to Mosaic and has not provided proof that or when they sent the cancellation documents. Mosaic has received approval from the XXXX Bankruptcy XXXX to transfer its loan servicing operations to XXXX XXXX XXXX. I have repeatedly asked XXXX XXXX and Mosaic to close the account, but they have not done so. The loan still appears active, and is causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original
Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the ECRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account Please remove all non-account holding inquiries over 30 days old.

Please add a Promotional Suppression to my credit file.

Sincerely. 
XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchased an exercise bike from XXXX  and took advantage of an offer for zero interest financing for 36 months through TD XXXX XXXX XXXX ( XXXX XXXX ). The total amount financed was {$2600.00}. I made 36 equal payments of $ XXXX  monthly. The last payment resulted in an overpayment of {$2.00} which is accurately reflected on the statement ending on XX/XX/XXXX. This credit ( - {$2.00} ) remained in place until the statement period ending on XX/XX/XXXX. The account balance was mysteriously XXXXXXXX XXXX  out on the statement period ending on XX/XX/XXXX. That statement shows a " Purchase & Other Charges '' of {$2.00} to justify showing a XXXX balance. Subsequently on the statement ending on XX/XX/XXXX that {$2.00} credit was shown as a balance due with a " Fee Charged '' to reflect a new balance of {$3.00}. This pattern of falsification continued through the statement period ending on XX/XX/XXXX. At the close of that statement the balance due had grown to {$110.00} through an aggregation of fraudulently applied fees and penalties. I was also reported to the credit reporting agencies and incurred significant damage to my credit report and score. I was unaware of the activity that was taking place in the account and was never contacted either by mail, e-mail or phone call that could be identified as originating from XXXX XXXX until I randomly made a check of my credit score and noticed that there was a significant inaccuracy. Upon contacting XXXX XXXX they did waive all fees and penalties to reflect a XXXX balance on the statement period ending on XXXX, XXXX. The account was unilaterally closed by XXXX XXXX on or around XX/XX/XXXX. As of this writing, XXXX XXXX is still refusing to issue a refund for the overpayment that took place in XXXX of XXXX. I am requesting a refund in the amount of {$2.00} plus interest and penalties retroactively to XX/XX/XXXX. Additionally, because XXXX XXXX is aware of and admits their error but nonetheless refuses to make restitution, I seek criminal prosecution under 18 U.S.C. 1005. I have been able to resolve the matter of the inaccurate credit reports and scored with the credit reporting agencies after several hours collectively.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-06 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:
These accounts were opened without my knowledge or permission and are fraudulent. I suspect they may be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct an immediate investigation into these accounts and remove any and all related information from my credit report. I am also requesting that a fraud alert be placed on my credit file to prevent further unauthorized activity. 

XXXX XXXX XXXX creditor : XXXX XXXX Balance details 0 % paid off Balance {$1500.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Account info Date opened XXXX XXXX, XXXX Account type Debt Buyer Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$1400.00} Balance updated XX/XX/XXXX Original balance {$1400.00} Account info Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$540.00} Balance updated XX/XX/XXXX Original balance {$540.00} Account info Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXXXXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX 
Balance details {$0.00} paid off Balance {$1100.00} Balance updated XX/XX/XXXX Original balance {$1100.00} Account info Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Please confirm receipt of this letter and notify me in writing once the investigation has been completed. I expect this matter to be resolved within the timeframe allowed under the FCRA ( 30 days from receipt of this dispute ).

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 2025-09-06 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: FL

Complaint narrative:
These accounts were opened without my knowledge or permission and are fraudulent. I suspect they may be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct an immediate investigation into these accounts and remove any and all related information from my credit report. I am also requesting that a fraud alert be placed on my credit file to prevent further unauthorized activity. 

XXXX XXXX XXXX creditor : XXXX XXXX Balance details 0 % paid off Balance {$1500.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Account info Date opened XXXX XXXX, XXXX Account type Debt Buyer Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$1400.00} Balance updated XX/XX/XXXX Original balance {$1400.00} Account info Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$540.00} Balance updated XX/XX/XXXX Original balance {$540.00} Account info Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXXXXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX 
Balance details {$0.00} paid off Balance {$1100.00} Balance updated XX/XX/XXXX Original balance {$1100.00} Account info Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Please confirm receipt of this letter and notify me in writing once the investigation has been completed. I expect this matter to be resolved within the timeframe allowed under the FCRA ( 30 days from receipt of this dispute ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: LA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 2025-09-06 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: CA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit 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 non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
They will not abide and Apply SCRA to the debt. SCRA IS A FEDERAL LAW! Title code 50 U.S.C. 3937 Ive asked for them to stop adding the interest to my debt from the date of me joining XXXX XXXX. XX/XX/year>. They said they dont know about it or they dont handle that stuff, that I need to contact original creditor. SCRA follows the debt not the creditor. The debt was sold and they own it, so it falls on them. I have Military orders as well. They will not abide by SCRA laws under title code 50 U.S.C to stop charging the interest and should lower it to 6 % from the date of joining XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I received a call today from XXXX claiming to be Consumer Financial Protection Bureau and asking if I had applied for a credit card in Michigan when I live in Oklahoma. I said no and they transferred me to someone from Experian. Again I was asked if I applied for a credit card in Michigan and I said no so they gave me a case number XXXX and said they could cancel the application on my behalf if I provide my SSN to confirm my identity. When I asked what number I could call directly or email to report this fraud on my own, the individual told me he would just approve the card instead and refused to answer my question. I hung up.

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 2025-09-06 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 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 non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC
State: NV

Complaint narrative:
Ive contacted this company a numerous number of times regarding reoccurring charges from XXXX. I was charged membership fees that they attempted to resolve back to a closed account. After stating the account receiving the refund was closed, I havent heard anything back from the company. The total refund amount for the reoccurring fees is over {$30.00}. My email associated to the company is XXXX, the card account on file last four numbers XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I discovered that I had this XXXX  XXXX credit debt when I was being sued for unpaid credit card debt in XXXX. Supposedly this debt was acquired by me in XXXX but the address they had was of a home I didn't own until XXXX. I responded and denied the claim and filed a request for discovery. I was met with nothing but a false statement and some account document that supposedly supported their claim but only contained my name and current address. In XXXX, when this account was supposedly created, I lived in another state. I moved back to XXXX  in late XXXX and rented from a friend for a few months while I was in process of buying my home. During that time in late XXXX XXXX I looked into many loan options for a home. Shortly after buying the home My Wife at the time and I discovered that our bank account information had been leaked somehow. Multiple ACH charges were going through our bank that we didn't sign up for. We setup our own accounts again and began to split our finances because neither of us knew what had happened. Around XX/XX/XXXX we separated and I moved back to XXXX  and was staying with my Father. I did not return to XXXX  until XX/XX/XXXX when we began divorce proceedings. Divorce was finalized in XX/XX/XXXX. I never changed my mailing address to XXXX  in XXXX. When I began getting sued in XXXX I requested proof of debt or some documents showing that I agreed to this debt. They only mail me the most recent statement and some document that has everything redacted besides my name and address. I've never received any other mail from this creditor nor from the law firm representing them prior to the court case being filed. Consumers should not have to go to court to prove they aren't responsible for a debt when the debt collection firm can't prove the debt is even owed by someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC XXXX. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXXXXXX XXXX XXXX  Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXXXXXX XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section XXXX A. States I have the right to privacy. 15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C XXXX ( a ) ( XXXX ) 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 XXXX years. 15 U. S. C, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a 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