vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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:
Because I am a victim of Identity theft, I did not authorize or benefit from any of the following inquiries or accounts. Block and remove these. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to identity theft. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is complete. Since 4 business days from the receipt of this communication allowed under the federal law to block these orders, failure to do so within 4 business after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

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 2025-09-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Because I am a victim of Identity theft, I did not authorize or benefit from any of the following inquiries or accounts. Block and remove these. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to identity theft. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is complete. Since 4 business days from the receipt of this communication allowed under the federal law to block these orders, failure to do so within 4 business after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

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 2025-09-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
-On XXXX there was a data breach that occurred with a company called Nationalpublicdata.com my social security number date of birth and address were exposed. My credit monitoring service alerted me of this fact. I then received about 13 different hard inquiries between the three major credit bureaus. I notified XXXX  and they removed them immediately. XXXX  and XXXX  have not removed them yet. XXXX  Inquiry : syncb/lowesDate of Inquiry : XXXX Contact : Not Available Inquiry : onemainDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXX XXXX of XXXX : XXXX Contact : Not Available Inquiry : capital oneDate of Inquiry : XXXX Contact : Not Available XXXX  Inquiry : cbnaDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, SD XXXX | ( XXXX ) XXXX Please help me get these removed thank you! 

XXXX Please see attached Identity Theft Affidavit section ( 18 ) Synbc lowes is listed regarding Inquires and Identity Theft.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I am filing this complaint against Nelson & Kinnard, who claim to be collecting on behalf of XXXX XXXX XXXX 2019. Their demands for payment relate to an alleged XXXX XXXX loan account that I dispute. 

Identity Theft Component : This account was included in my FTC Identity Theft Report ( Report No. XXXX ) because XXXX and its agents never had my written permission or wet-ink signature to report or collect on this alleged loan. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and California Civil Code 1785.25 ( a ), a furnisher or collector may not report or collect without a permissible purpose and proof of authorization.

Reporting and attempting to collect without my written authorization constitutes identity theft under 15 U.S.C. 1681c-2, California Penal Code 530.5, and the California Identity Theft Remedies Statute ( Cal. Civ. Code 1798.93 ).

Failure to Validate Debt : Despite my written demands under the FDCPA ( 15 U.S.C. 1692g & 1692j ), Nelson & Kinnard have failed to provide : 1. A copy of the original wet-ink signature contract or Master Promissory Note.

2. A complete chain of title showing transfers, assignments, or securitization of this loan.

3. The purchase price paid for this alleged loan.

4. Proof of their legal right to collect, including trust documents if they claim to represent XXXX XXXX XXXX 2019. 

Securitization and Misrepresentation : The loan appears to have been securitized into XXXX XXXX XXXX 2019 prior to charge-off. If so, XXXX XXXX no longer had ownership at the time of charge-off, and any representation that Nelson & Kinnard are collecting for XXXX is false, deceptive, and misleading, violating 15 U.S.C. 1692e and California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ). 

They send debit request letter with their logo printed on the front of the envelope, consumer rights on debit collections violation.

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

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX L XXXX Balance : {$6400.00} XXXX XXXX L XXXX Balance : {$6400.00} XXXX XXXX L XXXX Balance : {$5800.00} XXXX XXXX L XXXX Balance : {$4700.00} XXXX XXXX L XXXX Balance : {$3800.00} XXXX XXXX L XXXX Balance : {$3600.00} XXXX XXXX L XXXX Balance : {$2900.00} XXXX XXXX L XXXX Balance : {$1200.00} XXXX XXXX L XXXX Balance : {$980.00}

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX -Date Opened 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 2025-09-08 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: Early Warning Services, LLC
State: WA

Complaint narrative:
I am writing once again regarding the fraudulent item that continues to appear on my report. Despite my repeated efforts and documentation, I am still battling this unauthorized entry. What makes this even more concerning is that this item had previously been blocked, yet it has reappeared on my report without explanation. This ongoing issue is not only XXXX  but also raises serious concerns about how such errors are being handled. As a victim of identity theft, I have already filed and submitted an FTC report as instructed, yet this fraudulent item remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I have tried reaching out to this company the amount doesnt make sense or add up This company is violating my rights they have not provided validation Info yet they have placed a collection on my consumer report this agency is violating my Consumer rights by using false data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
What happened : On XX/XX/scrub>/2025, my account was charged {$850.00} in interest on purchases. At the time, my outstanding balance was under {$300.00}. This charge is both unexpected and disproportionate, and it does not appear to align with my account activity. Also, no purchases have been made for over 1year. 

Why I am disputing the charge : While I understand that interest is based on the outstanding balance, the amount assessed is excessive and inconsistent with the balance I carried. I requested a detailed explanation and review from the bank.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt DEPARTMENT OF EDU XXXXXXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt 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 as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Someone under the Truist Bank XXXX, on a number of separate occasions which, I can't determine the exact dates of the tribunal or managing administrator interception through one of the private sectors. The individual has been committing fraud and abuse against my account by releasing personal banking information socially over the XXXX XXXX, so that I am targeted, sized up by monetary holdings within the institution to be harassed and a victim of segregated methods. Once contacted by the Fraud Department, someone will contact me with access to a government registry whose been harassing me and allowing/ by releasing my personal information to their distant family members to harass me as well throughout the community. That is considered illegal activity and creatively deceptive in managing practices. I want to be protected from these intended acts that could eventually lead to XXXX. Prevent the carrying of information by employees to one department of banking without necessary cause. Prevent further acts of administrative misconduct that injures the consumer/ victim 's business with the BANK.

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Dear CFPB, I am filing a complaint against GoodLeap, LLC regarding my solar loan and their refusal to address property damage caused by a financed solar + roof installation performed under a single contract. 
I was sold a bundled solar and roof installation package by XXXX XXXX XXXX. 
The roof was installed by XXXX XXXX, and the solar system was installed by XXXX XXXX XXXX. 
Both the roofing and solar installation were included under the same contract, financed by GoodLeap.

Since installation, I have experienced roof leaks directly beneath the solar mounting brackets, which have caused ceiling stains, water intrusion, and property damage. 
Importantly, I have documented proof from XXXX XXXX, the roofing contractor, stating that the roof they installed had no defects, and in their professional opinion the leaks are due to the solar installation performed by XXXX XXXX XXXX. 
Despite this, GoodLeap delayed action for months. My case manager, XXXX, has shown no urgency and has engaged in constant phone tag without resolution. 
GoodLeap eventually sent their own inspector, who claimed they could not determine fault. Based on that, GoodLeap refused to act further and told me to file a homeowners insurance claim.

This is unacceptable. My insurance should not be forced to cover damage caused by defective work performed under a GoodLeap-financed contract.

I request the CFPB investigate GoodLeap for : 1. Refusing to provide remediation for property damage caused by a financed contractor.

2. Attempting to shift liability to my homeowners insurance despite documented evidence from XXXX XXXX that the solar installation was at fault. 
3. Failing to provide a good-faith resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 this complaint because an unauthorized account has been reported on my credit file due to identity theft. I never applied for, opened, or authorized this account. Despite my dispute, the account continues to appear on my credit report, causing serious harm to my credit profile.

Legal Violations under the FCRA 15 U.S.C. 1681c-2 Requires credit reporting agencies to block and remove information that results from identity theft once notified by the consumer.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires agencies to conduct a prompt reinvestigation and delete unverifiable or fraudulent information within 30 days.

By continuing to report this fraudulent account, the credit bureaus and the furnisher are violating my rights under federal law.

Requested Action I respectfully request that the CFPB require the credit bureaus and the furnisher to : Immediately delete the fraudulent account from my credit report.

Ensure that no future reinsertion of this account occurs.

Provide confirmation of compliance with the FCRA. 

Supporting Evidence 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 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX24 you file a lawsuit against me. Your whole complaint is about an account. You are supposed to be debt collectors not account collectors. You show a phony bill of sale with 5 different parties involved yet in the complaint you say you bought the " account '' from Synchrony bank. Your affidavit was created before the lawsuit was even filed. The affidavit is all heresay. I was working in another state yet you use the posting on a door as we served you properly. Get a default against me and attempt to garnish my wages. You are violating usg 1692e. A lawsuit against me with false and misleading documents. I will be suing both XXXX and XXXX and XXXX in small claims shortly.

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 2025-09-09 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Requesting that the following be provided or delete from all three credit agencies : No signed XXXX provided. 
Chain of custody Proof of legal authority to furnish data Full ledger of forbearance Lastly, violation of XXXX when XXXX accessed private information under 15 USC 1681 and FCRA 611 ( a ) 1 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MI

Complaint narrative:
I attempted to make an account to freeze my credit with Experian multiple times on their website using multiple different devices, starting XX/XX/XXXX, most recently on XX/XX/XXXX. Each time I got the same error message : " we are unable to verify your identity, please call us '' but when I called I could never actually get to the point of verifying my identity to create the online account. I just want to be able to freeze and unfreeze my credit so I don't get taken advantage of.

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: 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:
My information was compromised in data breach and has been used to attempt to obtain credit

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