vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: MD

Complaint narrative:
In XX/XX/year>, I entered into a solar installation agreement with XXXX that included financing through GoodLeap. During the sales process, the XXXX representative represented that the solar system would significantly reduce my electric bill and that I would receive approximately {$12000.00} in federal tax credits and an additional {$1000.00} Maryland state incentive shortly after filing my taxes. Based on these representations, I agreed to proceed. 
After signing the initial agreement, the system design and loan terms were changed. The loan amount increased from approximately {$12000.00} to {$23000.00}, and the final system design reflected an estimated energy offset of only XXXX  %, which was not clearly explained at the time of sale. The system has not resulted in the promised bill reduction, and a substantial portion of the generated energy is sent back to the grid rather than offsetting my usage. 
When I filed my taxes, I was informed by my tax preparer that I was only eligible for approximately {$6000.00} in federal tax credits, and that those credits would not be realized until a future tax year. I did not receive the promised Maryland incentive. These discrepancies materially affected the affordability of the loan. 
I contacted XXXX and GoodLeap to dispute the misrepresentations and requested correction, relief from the loan, and removal of the solar system. XXXX responded by referencing contract language but did not address the sales representations or provide a resolution. XXXX XXXX XXXX XXXX complaint was closed without resolution. 
I am submitting this complaint because the loan was entered into based on misleading and inaccurate information, the loan amount increased after the initial agreement, and the system has not delivered the benefits that were represented at the time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IN

Complaint narrative:
I am disputing improper monthly sales tax charges on my vehicle lease by Nissan Motor Acceptance Company ( XXXX ). 

This lease originated in Illinois, where sales tax on the full lease obligation was paid upfront in full at lease inception, in accordance with 35 ILCS 120 ( Retailers Occupation Tax Act ) and 86 Ill. Adm. Code 130.2015, which govern taxation of motor vehicle leases and require upfront tax collection at origination. 

I subsequently relocated to Indiana, where the vehicle is currently registered and garaged. 

Under Indiana Code 6-2.5-5-8, Indiana does not impose sales tax on periodic motor vehicle lease payments when sales tax has already been paid at the time the lease was entered into in another state. Indiana law does not permit re-taxation of a motor vehicle lease unless the lease is rewritten or re-originated, which has not occurred in this case. 

Despite this, XXXX has continued to assess monthly sales tax on my lease payments. This constitutes improper billing and improper tax collectionresulting from an administrative error related to garaging state or tax coding. 

I have attempted multiple times to resolve this matter directly with XXXX without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: SLM CORPORATION
State: IN

Complaint narrative:
I started process for this private student loan but cancelled it. It is reported as charged off on my credit report on XXXX XXXX XXXX XXXX XXXX. I am still a student so would not have even been due if I took it out until XX/XX/year>, yet they wrote the loan off dropping my score XXXX points. 
XXXXXXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: CA

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am unable to access my Coinbase account due to a lost authentication device. My passkey and two-step verification were tied to an XXXX device that I no longer possess. I completed Coinbases account recovery and identity verification and submitted my passport and drivers license. Despite this, I remain locked out and have received only automated responses with no human follow-up for over 7 days. I am requesting a manual security reset and removal of the obsolete device so I can regain access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Three fraudulent checks bearing clearly forged signatures ( not matching mine in any respect ) and unusual memo lines were debited against my Schwab checking account : - XX/XX/year> - {$5000.00} - XX/XX/year> - {$4400.00} - XX/XX/year> - {$2900.00} I recognized and reported these transactions on XX/XX/year>. I received no further substantive responses on this matter until XX/XX/year>, when a XXXX employee, XXXX XXXX, informed me that I would not be receiving a provisional credit and requested notarized affidavits attesting to the fraud. The next day, on XX/XX/year>, I signed and obtained a notarization on those affidavits at a Charles Schwab location, where they were submitted by an employee of Schwab to XXXX XXXX. She finally acknowledged receipt of the affidavits on XX/XX/year>. Since that time, I have not received any further substantive communication on the issue, and XXXX XXXX has ceased to answer her phone and email during business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I keep getting calls from this company about my debt after business hours and on weekends and I need to stop. According to the FDCPA, consumers should not be getting calls from debt collectors after business hours during the week and should not be getting calls on weekends or holidays. This company is clearly violating my FDCPA rights and I wanted to cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: MD

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank is reporting inaccurate information on my credit report account that I never signed up for is reporting on my credit reports

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 2025-12-21 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: GA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX ( XXXX XXXX ), Experian, and XXXX  for multiple violations of the Fair Credit Reporting Act. 

My XXXX XXXX account contains the following issues : 1. Credit limits differ across all three bureaus 2. High credit amounts do not match 3. XXXX  reports a {$0.00} limit, which is impossible 4. A 30-day late is reported despite the account showing paid/closed, {$0.00} balance, and {$0.00} past due 5. The required Date of First Delinquency is missing 6. The Date Last Active is AFTER the Date Last Payment 7. Missing account details violate FCRA 609 8. Creditor comments do not match across bureaus

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 2025-12-21 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: GA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX, and Equifax for multiple violations of the Fair Credit Reporting Act. 

My XXXX XXXX account contains the following issues : 1. Credit limits differ across all three bureaus 2. High credit amounts do not match 3. Equifax reports a {$0.00} limit, which is impossible 4. A 30-day late is reported despite the account showing paid/closed, {$0.00} balance, and {$0.00} past due 5. The required Date of First Delinquency is missing 6. The Date Last Active is AFTER the Date Last Payment 7. Missing account details violate FCRA 609 8. Creditor comments do not match across bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
I was approved for a line of credit with CashNetUSA, but the website will not allow me to access the funds. The Take Draw button refreshes the page repeatedly on multiple devices and browsers. Their automated chat can not escalate the issue, and I can not access the credit I was approved for. This is misleading/unfair and prevents me from using the product I was promised. These are unfair lending practices and the company doesn't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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 a victim of identity theft from the Equifax data breach. And now I got unknown accounts that I don't have knowledge off reporting to my credit report and it's hendering my life I am very poor.

To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report as a result of identity theft. This letter serves as a request for immediate blocking under Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). 

I did not open, authorize, or benefit from the following account. This account was fraudulently created without my knowledge or consent. 

Fraudulent Account Information : Collection Agency : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Collection Date Opened : XX/XX/year> Reported Balance : {$1300.00} Under FCRA 605B, upon receipt of a valid identity theft report and proof of identity, you are legally required to block the reporting of this fraudulent information within four ( 4 ) business days. This information must not be reinvestigated prior to blocking. 

Enclosed with this correspondence are copies of my Identity Theft Report, proof of identity, and proof of address. Continued reporting of this account after receipt of this notice would constitute a violation of federal law. 

I demand the immediate blocking and permanent removal of this fraudulent account from my credit file and written confirmation once the block has been completed. 

Failure to comply will result in escalation of this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney General, and I will pursue all remedies available under 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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-21 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: Scott Fetzer Financial Group Inc.
State: NY

Complaint narrative:
The account is reported as charged-off without documentation establishing lawful reporting authority

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I filed a dispute with SOFI bank for unauthorized transactions. The company authorized to refund my funds. All of a sudden I get a message saying there is unusual activity on my account and froze my access to my account. They are giving me no explanation as to way and refuses to release access to my funds. They are not giving me information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX filed a dispute with Transuion and Equifax to remove said accounts I am a victim of identity theft Transunion XXXX XXXX XXXX XXXX ( currently reporting ) EQUIFAX XXXX XXXXXXXX XXXX XXXX  ( currently reporting ) EQUIFAX XXXX XXXX ( currently reporting ) XXXX  ( XXXX XXXX XXXX ) XXXX  ( XXXX XXXX XXXX XXXX XXXX These credit bureaus have violated my consumer protection right according to FCRA REGULATIONS I have filed a civil suit against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE SAID ACCOUNTS SHOULD BE REMOVED ASAP these accounts reporting have caused emotional distress and damage if these accounts are not removed immediately I will take legal action against TRANSUION & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TX

Complaint narrative:
I am a victim of identity theft from the Equifax data breach. And now I got unknown accounts that I don't have knowledge off reporting to my credit report and it's hendering my life I am very poor.

To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report as a result of identity theft. This letter serves as a request for immediate blocking under Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). 

I did not open, authorize, or benefit from the following account. This account was fraudulently created without my knowledge or consent. 

Fraudulent Account Information : Collection Agency : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Collection Date Opened : XX/XX/year> Reported Balance : {$1300.00} Under FCRA 605B, upon receipt of a valid identity theft report and proof of identity, you are legally required to block the reporting of this fraudulent information within four ( 4 ) business days. This information must not be reinvestigated prior to blocking. 

Enclosed with this correspondence are copies of my Identity Theft Report, proof of identity, and proof of address. Continued reporting of this account after receipt of this notice would constitute a violation of federal law. 

I demand the immediate blocking and permanent removal of this fraudulent account from my credit file and written confirmation once the block has been completed. 

Failure to comply will result in escalation of this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney General, and I will pursue all remedies available under 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