vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Coinbase case # XXXX I logged into my Coinbase account on XX/XX/XXXX to gather tax documents. I discovered that my coinbase card had been compromised. I have not used my Coinbase card since XX/XX/XXXX. From XXXX XXXX someone has charged {$5300.00} onto my card. Many larger amount transactions were cancelled or refunded which tells me that Coinbase suspected fraud but never communicated with me. The majority of charges are from XXXX, which I learned is an XXXX company in XXXX. 
I contacted Coinbase immediately and disputed. I received an email back stating it was past the time limit. I read their policy and it states to report as soon as fraud is discovered and that is what I did. There is no time frame noted. 

Hi XXXX, We received your claim request for fraud. Based on our review of your claim, we are unable to take action at this time because : Past Time Limit For this claim, we recommend you contact the merchant to determine how to best resolve the issue. 


Regards, XXXX XXXX Coinbase Support Please do not reply to this email. If you have any questions, contact our customer support team at ( XXXX ) XXXX The Coinbase Card is issued by XXXX, XXXX., Member FDIC , pursuant to a license from XXXX XXXX XXXX XXXX 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- see their response below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I am filing this complaint against National Credit Adjust regarding an unauthorized debt that has been placed on my account. I did not authorize any transaction, account, or agreement with this company, yet they have reported a debt to my credit file and/or attempted to collect payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I was misled by XXXX XXXX, specifically by XXXX, who I later found out is the owner. He promised me an {$1800.00} sign-up bonus and told me Id receive a XXXX XXXX solar tax credit, implying it would come back as cash. I later found out its a non-refundable credit, which I couldnt even use. That was never explained to me clearly. 

XXXX signed me up with Mosaic, and the panels didnt work for over a year and a half. During that time, I was still making loan payments. I couldnt get help from XXXX or XXXX XXXX, the installer. XXXX ignored my calls, and I was receiving urgent emails from XXXX like I was the contractor, saying I had to take action to avoid missing the XXXX deadline. I didnt even know what to do. 

The person who sold me the system blocked me shortly after the sale. The only one who got anything out of this deal was the kid who referred mehis buddy XXXX got {$1500.00}, and I got stuck. Mosaic now has me locked into a XXXX loan, and after almost XXXX XXXX of payments, my principal hasnt gone anywhere. When I asked Mosaic why, they gave vague answers blaming late fees and interest. Ive never been given a clear breakdown of where my money is going. 

This feels deceptive and predatory. I believe both XXXX from XXXX XXXX and Mosaic need to be held accountable. Ive been left with a huge financial burden from a system that was delayed, misrepresented, and financed under unfair terms. I want this investigated and made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: AK

Complaint narrative:
In XX/XX/year> I had a new collection from rental recovery solutions show up on my credit report. I attempted to contact them by phone. They never contacted me by email, phone, mail or text. When I contacted XXXX XXXX XXXXXXXX for my final bill which was XXXX XXXX at XXXX they informed me they sold the debt. Again they never contacted me. I asked for an itemized bill at that time and they refused to provide the bill. The apartment was re-leased before I left so there was no break and the property owner suffered mo loss in rent. I have repeatedly tried to find out why this bill is so high and I am ignored every time, but they keep reporting to my credit. I would pay if they verify the amounts owed but they will not. We are trying to buy a house and this debt is in the way. I dont know what else to do, i m not paying a bill that was arbitrarily inflated with no explanation or chance to find out what I'm being charged with. I have pictures of the apartment when we left there was no damages anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-30 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: MD

Complaint narrative:
I dispute the collection account reported by XXXX  XXXX XXXX for {$1100.00}, originally from XXXX XXXX XXXX The account was opened on XX/XX/year>, and placed for collection. I have not received any documentation or proof of the alleged debt. I request verification of this debt or immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I dispute the collection account reported by XXXX XXXXXXXX XXXX for {$1100.00}, originally from XXXX XXXX XXXX The account was opened on XX/XX/year>, and placed for collection. I have not received any documentation or proof of the alleged debt. I request verification of this debt or immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: MN

Complaint narrative:
On XX/XX/year> I disputed two XXXX XXXX one for {$440.00} and the other for {$260.00} for not showing debt validation pursuant to 15 us code 1692g ,15 us code 1681a and 1681c pursuant to charge offs for premier bank card/first premier pursuant to 15 us code 1681i pursuant to write offs and XXXXXXXX XXXX pursuant to 15 us code 1692g. All three credit reporting agencies have the same information for me but I disputed Experian. If possible I would like to address all three agencies since they are all providing the same information. I tried to get a bank account from two banks just today and got denied access to start checking accounts today. Also it only took Experian two days to allegedly get the debt validation and other information so they couldn't have gotten the information from the creditor in that time frame. They are not following FCRA guidelines. Thank you

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 2025-03-29 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: MN

Complaint narrative:
On XX/XX/year> I disputed two XXXX XXXX one for {$440.00} and the other for {$260.00} for not showing debt validation pursuant to 15 us code 1692g ,15 us code 1681a and 1681c pursuant to charge offs for premier bank card/first premier pursuant to 15 us code 1681i pursuant to write offs and XXXXXXXX XXXX pursuant to 15 us code 1692g. All three credit reporting agencies have the same information for me but I disputed Experian. If possible I would like to address all three agencies since they are all providing the same information. I tried to get a bank account from two banks just today and got denied access to start checking accounts today. Also it only took Experian two days to allegedly get the debt validation and other information so they couldn't have gotten the information from the creditor in that time frame. They are not following FCRA guidelines. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I fell behind on my payments because of illness, I was asked to make large monthly payments until the account was current. I paid each month but it was a struggle and when I received the letter to pay my balance overtime, I thought it would be an opportunity to keep my card and become current with this program. The offer was similar to XXXX XXXX, paying over time on large balances. However, I was given the run around and sent to a collection agency. I placed several calls and emails to their corporate offices ( Capital One ) and not one return call or acknowledgment of my inquiriy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing this complaint against LVNV Funding regarding an unauthorized debt that has been placed on my account. I did not authorize any transaction, account, or agreement with this company, yet they have reported a debt to my credit file and/or attempted to collect payment from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was scammed by this person in a deceptive transaction. He initially sent me {$400.00} via XXXX, and I believed the payment was legitimate. However, a few days later, the check associated with the transaction bounced, leaving me without the funds. As soon as I realized what had happened, I contacted Wells Fargo to report the scam and seek assistance. Unfortunately, despite explaining the situation and providing details of the fraudulent transaction, the bank refused to help me recover my money, leaving me at a loss.

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 2025-03-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed inaccurate and/or unverifiable accounts on my credit report with Experian multiple times. However, Experian continues to verify these accounts without providing any proof or validation documents despite my repeated requests. 

I specifically asked Experian for the method of verification and any supporting documents used to verify the disputed accounts, but they have failed to provide this information. Instead, they simply mark the accounts as " verified '' without proper investigation or proof. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation and provide verification upon request, but they have not done so. Their failure to investigate properly and provide documentation is a violation of my rights. 

I am requesting that the CFPB investigate this matter and require Experian to : Conduct a proper and thorough investigation of my disputes. 

Provide the method of verification and supporting documents. 

Remove any accounts that can not be properly verified.

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 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I did not authorize the transaction. This happened when I was in XXXX. On XX/XX/XXXX, I was charged {$1800.00} for something I did not authorize. The place was called " eonadustudio '' but I was in XXXX office at that time. I tried telling Chase that I did not authorize it, but after investigation, they said I received benefit from the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 2025-03-29 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: NJ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$340.00} Open DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX Dear " To Whom It May Concern '' I am writing in reference to the debt account associated with [ specific details, such as account number, if available ]. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I am formally requesting that you cease all communication with me regarding the referenced debt, effective immediately. Please note that this request does not constitute an acknowledgment of the validity of the debt. It is my right under the FDCPA to request that all communication from your company regarding this matter stop. Thank you for your attention to this matter. I am writing to formally request an update to my credit report regarding a charge-off account associated with account number XXXX. 

This account was paid in full. Despite the full payment being made, the account is still being reported as a charge-ff on my credit report. I believe this information to be inaccurate, as the account has been resolved in its entirety. Attached to this letter are the necessary documents, including proof of payment and correspondence with the original creditor confirming the full payoff of the account. Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that you investigate this matter and update my credit report to reflect the accurate status of this account. Please provide written confirmation once the corrections have been made. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have continuously reported IDentity theft issues and have been ignored it seems. I feel I am being forced to try and prove that accounts dont belong to me when in fact it should be up to the creditor to prove that they do. According to the FCRA it is the responsibility of a data furnisher to provide true and accurate information when reporting information to be recorded on my Consumer Report. Furthermore the FCRA prohibits any company that has purchased a debt from its original creditor to provide 3rd party data with regard to an original debt once the debt has bee charged off, sold, or abandoned by its original owner. Even as some on the accounts on my credit are known to be fraud, and were previously removed from my credit report, i find that the removed items in some cases have been resold as bad debt to another company for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: KY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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