vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX  This account has resulted in fraudulent collections appearing on my consumer FICO credit report. Additionally, the account has been involved in a data breach, further demonstrating the risk of continued harm. 

I do not recognize the account as reported. The accounts and collection were not opened, made, or initiated by me. 

All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Report as proof from the U.S. Federal Trade Commission that these accounts and collections are fraudulent. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all accounts and collections identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving this complaint. 

Please send all written confirmation regarding this CFPB complaint to me via email at : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX  This account has resulted in fraudulent collections appearing on my consumer FICO credit report. Additionally, the account has been involved in a data breach, further demonstrating the risk of continued harm. 

I do not recognize the account as reported. The accounts and collection were not opened, made, or initiated by me. 

All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Report as proof from the U.S. Federal Trade Commission that these accounts and collections are fraudulent. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all accounts and collections identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving this complaint. 

Please send all written confirmation regarding this CFPB complaint to me via email at : 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 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I signed a home solar loan agreement with Solar Mosaic LLC ( Loan Number : XXXX ) for {$48000.00} at 4.23 % XXXX ( estimated ) over 25 years, to finance a solar system installation by XXXX XXXX XXXX XXXX, XXXX. The loan included a re-amortization feature assuming a 30 % federal tax credit prepayment ( {$14000.00} ) by XX/XX/XXXX to keep payments at {$190.00} monthly ; otherwise, they increase to {$270.00}. 
Installation occurred around XX/XX/XXXX. The contractor installed an excessive number of panels in a defective configuration, causing immediate malfunctions ( e.g., no electricity generation, outages, safety issues ). By early XXXX, the system was non-operational, providing no energy savings or tax credit benefits. The contractor failed to obtain Permission to Operate from the utility and did not complete repairs. In XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  filed for bankruptcy, ceasing all support. 
Solar Mosaic disbursed funds in stages ( e.g., up to {$21000.00} initial, {$26000.00} for install complete ) without verifying a functional system, despite requiring my milestone confirmations. I have made approximately {$7100.00} in payments as of XX/XX/XXXX ( XXXX payments at {$190.00} from XX/XX/XXXX to XX/XX/XXXX, plus XXXX at {$270.00} from XX/XX/XXXX onward ), but incurred losses from repairs and no savings. 
Starting in early XXXX, I contacted the contractor via phone and email demanding fixes, but responses were inadequate before bankruptcy. From XX/XX/XXXX onward, I emailed Solar Mosaic at XXXX and called XXXX multiple times, providing evidence of defects and invoking the FTC Holder Rule ( included in the loan agreement ), asserting fraud and breach by the seller. Solar Mosaic refused relief, claiming no responsibility, and continued billing. 
I filed a complaint with the XXXX Attorney General 's XXXX XXXX XXXX in XX/XX/XXXX ( Reference # XXXX ) and requested records from Consumers Energy in XX/XX/XXXX XXXX confirm no PTO. Under the XXXX XXXX, Solar Mosaic should cancel the loan, refund payments, remove the lien, and cease credit reporting, as my claims against the contractor exceed the balance due to fraud and non-delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
Consumer Information : Name : XXXX XXXX XXXX : Name : Coinbase , Inc . 

Issue : Unauthorized cryptocurrency transaction, negative balance/fees applied despite fraud determination by XXXX XXXX  XXXX 

Complaint Details ( Chronological Narrative ) : On XX/XX/year>, I attempted to make a purchase on Coinbase. Due to a failure with Coinbases two-factor authentication ( XXXX ), I was unable to authorize the transaction properly. I believed the transaction did not go through. 

Shortly after noticing activity in my Coinbase account, I contacted Coinbase support to dispute the transaction and request that it be canceled. The support team refused to take action. 

I then contacted XXXX XXXX, who investigated the transaction and determined it was fraudulent, reversing the charge to my bank account. 

Despite this determination by XXXX XXXX Coinbase continued to claim that I was responsible for the transaction and applied a negative balance to my account, citing their user agreement. Coinbase also refused to remove the balance or issue a refund. 

I have spent over four hours in chat with Coinbase support on XX/XX/year>, providing : Documentation from XXXX confirming the fraudulent nature of the transaction Screenshots and records of the unauthorized purchase Multiple requests for escalation to a supervisor or specialist Coinbase has repeatedly referred to their user agreement, claiming I am liable, but this transaction was unauthorized, and federal and state consumer protections apply. I did not approve or initiate the transaction, and the negative balance is solely due to Coinbases system error and refusal to honor XXXX XXXX fraud determination. 

Requested Resolution : Immediate removal of any negative balance or fees related to the XX/XX/XXXX unauthorized transaction. 

Written confirmation from Coinbase acknowledging the resolution. 

Assurance that no further attempts to collect this balance will be made. 

They are going in circles and never directly answer questions and it takes hours to get a supervisor to help me out. I have several cases set up with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
I received an unsolicited text message from Central Portfolio Control claiming I owe a debt. I have no knowledge of this account and have never received a legally required written validation notice. This alleged debt is not mine.

I dispute it in its entirety under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I also request that Central Portfolio Control cease all communication except to provide full written validation. They must not furnish or attempt to furnish this debt to Equifax, Experian, or TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Stellantis Financial Services US Corp.
State: KY

Complaint narrative:
In XX/XX/XXXX, I purchased a car from XXXX XXXX and financed it with Stellantis Financial Services.

I have paid the loan as agreed ( see attached ). The next payment date is XX/XX/XXXX ( see attached ). 

The car dealership was sold and/or changed management so there was a delay in obtaining the title. I have been in correspondence with Stellantis for several months regarding this issue and thought we were working through it. Without notice Stellantis placed my loan in collections and the only way I
found out was from a credit score alert. My credit score went from XXXX to XXXX. My credit score is very important to me, so I was very bothered by this situation.

I was placed in collections because of the issue with the title NOT because I was past due.

I have made several attempts to talk to Stellantis to correct this issue but to no avail. They will not talk to me and continue telling me to call their attorney. I made several attempts to call the attorney, but no one answered. I was able to leave a message with an associate at the law firm, and she emailed me saying that they do not have a file on me and only represent Stellantis in Georgia. I told Stellantis this and they again told me to
contact their attorney at the same number that I called in the past. The same one that told me they did not have my file and only represented Stellantis in Georgia.

Stellantis has charged my loan a miscellaneous fee assessment of {$1500.00} which no one has been able to explain, and I have not paid.

I have been trying to contact them for almost five ( 5 ) weeks and have not spoken to anyone yet. I have and will continue to make my monthly payment.

I am asking if they will contact me so we can get this resolved and stop giving me the run around. In the meantime, they are ruining my credit by reporting this collection. I need this issue resolved sooner than later before my credit is irreparable.

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 2025-09-23 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: MS

Complaint narrative:
Complaint Details : I am filing a formal complaint against Experian for reporting inaccurate and unverifiable information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ).

The account at issue is : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Reported as a collection account opened on XX/XX/year>, with a balance of {$3500.00}. 

I have no knowledge of this account and have never entered into any agreement with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXXXXXX. 

Experian has failed to provide validation or supporting documentation, such as a signed contract or billing records, to establish that this debt is mine.


Violations : Failure to properly investigate and validate this disputed account as required under 15 U.S.C. 1681i. Reporting of unverifiable derogatory information in violation of FCRA accuracy standards under 15 U.S.C. 1681e ( b ).

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 2025-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I filed and won 2 disputes with citi bank for my XXXX XXXX card. One was for {$190.00} the other XXXX. I won the dispute but citi hasn't adjusted the amount and provided a 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 monetary relief
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute a bankruptcy entry listed on my credit report. This bankruptcy is inaccurately reported and unverifiable, and I am requesting an immediate investigation and removal from my file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681a ( 4 ), which affirms the right of consumers to privacy and accurate, fair credit reporting.

Upon reviewing my credit file, I noticed the following entry : Creditor/Filer : U.S. Bankruptcy CourtXXXX Date Filed : XX/XX/XXXX Case Number : XXXX Creditor/Filer : U.S. Bankruptcy Court-XXXX Date Filed : XX/XX/XXXX Case Number : XXXX I dispute the accuracy and validity of this bankruptcy information. I request that you : 1. Conduct a reinvestigation of this item with the original furnisher or reporting entity.

2. Provide written verification and documentation that supports the accuracy of this bankruptcy.

3. If verification can not be provided within 30 days as required under 15 U.S.C. 1681i, I demand the immediate removal of this entry from my credit report.

Please also note that public records such as bankruptcies are often gathered by third-party data furnishers without the consumers consent or authorization. If you can not directly verify the details from the original source ( e.g., the courthouse itself ), this item must be deleted.

Thank you for your prompt attention to this matter. Please send me a written confirmation of your findings and the results of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I dispute the accuracy of the following : XXXX XXXX XXXX Reported as Unpaid Balance Reported As A Loss By XXXX XXXX. 
Simultaneous charge-off and balance due is contradictory. 
Missing DOFD, truncated account number, no payment history. 
Violates FCRA 607 ( b ), 611, Reg V 1022.42, Metro 2 accuracy standards. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
An account was opened after I got approved and moved into a home. I knew it was this company that opened an account because I had to provide them with my information to determine if I was eligible for the home. They had a credit card get sent to the address almost 2 months after being in the home. I did not check the mail often because my primary address to receive mail was at the home that I own. I finally checked the mail as I was moving out and discovered the credit card and application approval letter. I filed a police report. Now 5 months later another Capitol one account was opened without my consent I was alerted through my bank. Once I called capitol one the advised me I needed to send a letter because they could not verify me due to someone putting the incorrect date of birth for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-23 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-23 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I took out a loan with Onemain I renewed my loan and when XXXX happen I couldn't afford to make payments due to job loss and hardship Onemain modified my loan and reduced my payment but yet still reported I was late when they gave me deferments on my loan and renewed my loan and modified my loan during the XXXX XXXX XXXX XXXX Onemain sent me a settlement offer but they refused my settlement offer to do pay to delete Onemain refuses to fix any problems they have done to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
Good morning my name is XXXX XXXX, Im filing for Identity theft for these fraudulent accounts that are reporting on my credit report. I need these accounts blocked and removed in 4 days in pursuant to FCRA 605B ( 15 U.S.C 1681 C-2 ) my identity theft report number is XXXX and the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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