vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I opened an Apple Card on XX/XX/XXXX after seeing an advertisement on XXXX and clicking through that link. On that page there was a promise of a bonus of around {$150.00} ( I dont remember the exact amount, because a lot of time has passed ) for opening the card, assuming certain conditions were met ( making purchases for a required amount ). I made purchases for a large sum immediately after receiving the card and used it actively. No bonus for opening the card was credited to me neither after a month nor later. 

From XX/XX/XXXX through XX/XX/XXXX, I tried to resolve this issue with the bank through chat support and by calling Customer Support, but I did not receive a clear answer or resolution. 

I have contacted Apple Card Support to find out the terms of the promotion that was active on the day I opened the card and why I was not credited the bonus, and I asked them to correct the situation. The representatives respond with irrelevant nonsense that does not address my questions. They say that I am not entitled to the bonus and ask me to provide a screenshot of the link I used to open the card more than a year ago, as if I was obligated to have taken and saved that screenshot. The bank does not want to investigate the issue or credit the bonus. 

I do not believe that in XXXX this bank lacks the technical ability to view the page/ exactly which promo my card application came from. They do not want to provide information about the bonus promotions that were offered on the date I opened the card. I consider the advertising that this bank publishes about bonuses for opening an account to be misleading and not corresponding to reality, and the actions of the bank unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
A scammer pretending to be a representative of Coinbase called and showed me suspicious activity in my Coinbase account. I must have clicked on a link that led to a fake site which showed this activity. I was then tricked into authorizing the scammers to access my Coinbase account. Over night, they withdrew {$27000.00} and all my crypto holdings of about {$11000.00} to a foreign wallet. I woke up to a series of withdrawals from my XXXX bank account, which led me to immediately lock my Coinbase account and reach out to Coinbase. I learned that they never tried to contact me and that I had fallen for a scam. I contacted XXXX and told them that I had not authorized these charges. XXXX reversed the charges. Now Coinbase wants me to pay the outstanding balance as I have given the scammers access to my account by providing my credentials. However, I have not authorized these transactions and I cant believe that a reputable company like Coinbase does not have better fraud detection mechanisms in place to prevent such an obvious case of fraudulent activity. Within minutes the scammers withdrew multiple charges of XXXX XXXX {$5000.00} in XXXX and immediately transferred it to a foreign wallet. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Ive been paying GoodLeap for a solar lon for nearly XXXX  years now and the principle amount I was originally financed for has not diminished despite the fact that I have made monthly payments on the loan. GoodLeap told me that if I installed solar panels in on my home, they would nearly eliminate my electric bill. They also told me that I was required to pay them the tax credit for the solar panels and if I didnt pay it in the first year, my loan payments would increase to nearly {$500.00} per month. I didnt give them the tax credit I received for my solar panels and they raised my payments to nearly {$500.00} per month and when I refused to pay them because the panels have not reduced my electric bill at all. After I didnt pay them, they threatened to place a lien on my property to prevent any sell I might consider in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-19 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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 have no legal or financial connection to these accounts and request removal within 15 days under the Fair Credit Reporting Act.

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 2025-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XX/XX/year> Email correspondence JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXXXXXX XXXX, MN XXXX Re : Account Number : XXXX To Whom It May Concern, This letter serves as formal notice that I am requesting you cease and desist all communication with me immediatelyregarding the above-referenced alleged debt.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby instructed to stop all forms of contact, including but not limited to phone calls, emails, text messages, letters, or contact with third parties regarding this matter.

You may only contact me for one of the following reasons : 1. To confirm that you will comply with this request and cease all communication ; or 2. To notify me of a specific legal action you intend to take.

Any communication beyond these exceptions will be documented and may be used as evidence of FDCPA violations, which could subject you to legal action, statutory damages, and attorneys fees.

This letter is not an acknowledgment of the debt, nor is it a promise to pay. I do not waive any rights or defenses available to me under federal or state law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I am submitting this complaint regarding the way this collection agency is reporting alleged debt on my consumer spending report. 

This account is being reported without proper verification and/or contains inaccurate and or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account have negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: ProCollect, Inc.
State: GA

Complaint narrative:
As of XX/XX/XXXX, XXXX XXXX Debt collection agencies have placed collections on my credit report BOTH trying to collect on the same debt. 

The debt was a {$450.00} application and admin fee for applying to XXXX XXXXXXXX XXXX This application was submitted fraudulently following theft of my wallet containing my sensitive information. The identity theft attempted to apply for an apartment with a license that was reported stolen and my social security card which was also in the stolen wallet. This identity theft was reported to ALL Ctedit bureaus and the FTC. 

Neither debt collection agency has verified this debt as valid and I have NO CONTRACT garnering payment with neither agency. 

It is also ILLEGAL and THOROUGHLY violates my rights under the FCRA in regard to fair credit reporting and accuracy. Also, XXXX debt collection agencies can not pursue payment on the same debt. PRO COLLECT & XXXX XXXXXXXX XXXX are both in violation and both verified they are the owners of the debt as of XX/XX/year>. 

This debt does not belong to me and if it did, this is a direct violation of my rights.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As of XX/XX/XXXX, XXXX XXXX Debt collection agencies have placed collections on my credit report BOTH trying to collect on the same debt. 

The debt was a {$450.00} application and admin fee for applying to XXXX XXXXXXXX XXXX This application was submitted fraudulently following theft of my wallet containing my sensitive information. The identity theft attempted to apply for an apartment with a license that was reported stolen and my social security card which was also in the stolen wallet. This identity theft was reported to ALL Ctedit bureaus and the FTC. 

Neither debt collection agency has verified this debt as valid and I have NO CONTRACT garnering payment with neither agency. 

It is also ILLEGAL and THOROUGHLY violates my rights under the FCRA in regard to fair credit reporting and accuracy. Also, XXXX debt collection agencies can not pursue payment on the same debt. XXXX XXXX XXXX XXXX XXXX XXXX  are both in violation and both verified they are the owners of the debt as of XX/XX/year>. 

This debt does not belong to me and if it did, this is a direct violation of my rights.

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 2025-12-19 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: CA

Complaint narrative:
I am filing this complaint against TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) related to its continued failure to correct, delete, or properly reinvestigate inaccurate late payment information on my consumer credit file. Despite multiple formal disputes and clear notice, TransUnion has willfully and negligently continued to report false information that does not reflect my true payment history, This complaint follows my third and final written dispute dated XX/XX/year>, after prior disputes submitted on XX/XX/year>, and XX/XX/year>. In all instances, TransUnion failed to conduct a lawful and reasonable reinvestigation as required under FCRA 1681i, and failed to maintain reasonable procedures to ensure maximum possible accuracy under 1681e ( b ). TransUnion is now on actual notice that the disputed information is inaccurate and unverifiable, yet it continues to report it without producing competent documentary evidence. 

The following accounts remain inaccurately reported with alleged late payments that did not occur : XXXX XXXX XXXX XXXX. These derogatory entries are the result of furnisher reporting errors, data integrity failures, or TransUnions improper reliance on automated or superficial verification methods. Such conduct is legally insufficient and does not satisfy TransUnions statutory obligations under the FCRA.

TransUnions continued reporting of these inaccuracies after repeated disputes constitutes willful noncompliance under FCRA 1681n and, at minimum, negligent noncompliance under 1681o. The ongoing presence of these false late payments has adversely affected my credit standing, access to credit, and financial opportunities. TransUnion has neither provided proof of verification nor identified the individual or records used to allegedly confirm the disputed data, further evidencing its failure to comply with federal 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 non-monetary relief
Consumer complaint received 2025-12-19 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I disputed inaccurate credit reporting by Synchrony Bank regarding a Rooms To Go credit card tradeline that was included in a XXXX  XXXX bankruptcy. Despite repeated disputes and completed investigations, Synchrony Bank continues to furnish inaccurate and internally inconsistent information to certain consumer reporting agencies. 

Using the same bankruptcy records and dispute information, both XXXX  and XXXX determined that this Synchrony Bank tradeline could not be verified and deleted the account from my credit reports. However, Synchrony Bank continues to report the same account to XXXX XXXX XXXX. 

The information reported to XXXX XXXX XXXX reflects bankruptcy status combined with charge-off and delinquency indicators that can not lawfully coexist under credit reporting standards. The continued reporting is internally contradictory and materially different from the determinations reached by XXXX  and XXXX. 

Although Synchrony Bank marked its investigations as complete or updated, the inaccurate reporting was not corrected or deleted. This constitutes a failure to conduct a reasonable reinvestigation and a failure to ensure maximum possible accuracy after receiving actual notice of dispute. 

Furnishing information that has already been deleted by multiple nationwide consumer reporting agencies due to unverifiable reporting establishes that the data lacks a reliable factual basis. Continued reporting under these circumstances violates the Fair Credit Reporting Act, including furnisher duties after dispute, and applicable provisions of the Texas Business & Commerce Code governing false, misleading, or deceptive credit reporting practices. 

Any reinsertion of this tradeline at XXXX XXXX XXXX, where it has already been deleted due to unverifiable reporting, would also violate federal reinsertion protections.

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 2025-12-19 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Midland Credit Mangement Debt Collection / Credit Reporting I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal regulations The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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