vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX multiple times now regarding a collections debt I had with capital one. 

I had made the full payoff for the debt ( non-settled ) and I was promised over the phone on a recorded call that the {$120.00} court fees would be taken care of as they were not allowing me to pay for them at the time of my original call which was now well over 30 days ago. 

Not only was the {$120.00} not taken care of, they falsely reported this balance to Capital one to reflect an inaccurate balance due on my credit causing it to effect my credit in a negative way by reporting another charge off month with no payment. 

I have called multiple times to request debt validation. They will not provide a timeline of when I will receive these documents. They will no longer comply and let me know if there is a balance of {$120.00} left. I have asked for a supervisor twice now and waited weeks with no response after leaving a voicemail. 

I had reached out to the law firm to request all call logs and notes in the account regarding this case and have yet to receive anything back. This is not only inaccurate reporting but negligence on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX. They are violation my rights and this needs to be handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
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 non-monetary relief
Consumer complaint received 2025-07-03 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: DC

Complaint narrative:
Spoke to a Equifax representative to inquire about a collection that they are letting remain on my credit report without confirming what documentation they are using to verify this debt or allow XXXX XXXX XXXX XXXX to continue to report it as derogatory on my report. Several disputes have been filed with Equifax requesting that they validate this debt according to FDCPA USC 15 1692 G, as XXXX XXXX XXXX is a third-party. Instead, Equifax has verified the debt and has continued to allow XXXX XXXX to report. Equifax has not provided what documents or a report confirming how they verified this debt to me as the owner of the credit file. I am therefore requesting this information or how they have confirmed all 3 times that XXXX XXXX XXXX has legal rights to collect on this debt.

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 2025-07-03 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: Bull City Financial Solutions, Inc
State: DC

Complaint narrative:
Spoke to a XXXX  representative to inquire about a collection that they are letting remain on my credit report without confirming what documentation they are using to verify this debt or allow Bull City Financial Solutions to continue to report it as derogatory on my report. Several disputes have been filed with XXXX  requesting that they validate this debt according to FDCPA USC 15 1692 G, as Bull City Financial is a third-party. Instead, XXXX  has verified the debt and has continued to allow Bull City to report. XXXX  has not provided what documents or a report confirming how they verified this debt to me as the owner of the credit file. I am therefore requesting this information or how they have confirmed all 3 times that Bull City Financial has legal rights to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MI

Complaint narrative:
The consumer agencies refuse to remove accounts that do NOT belong to me. There are several accounts that I did not open or given oral authorization to be opened. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are a result of identity theft and should not be included in my consumer report. I have consistently maintained that I did not open these accounts and did not authorize these accounts to be opened.

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 2025-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
In XX/XX/XXXX, I entered into a high-interest auto loan with Credit Acceptance to purchase a vehicle priced under {$10000.00}. The contract included a service contract, GAP insurance, and other fees that significantly inflated the cost of the loan. Over the course of less than 8 months, I have paid over {$7500.00} toward this vehicle. 

In XX/XX/XXXX, I was involved in a car accident and my attorney contacted Credit Acceptance to inquire about assistance regarding the loan terms, fees, and interest. We asked about applying GAP insurance and whether they would consider reducing the remaining balance, interest, or monthly obligations. We were told that the accident had no bearing on their ability to assist and no information or support was provided.

Despite our outreach, Credit Acceptance made no effort to help or explain any options. I am no longer able to safely drive the car and yet am still expected to pay for it as if nothing happened. I am being charged an inflated balance, and theyve refused to provide clear details or adjust anything despite being aware of my situation. I believe Ive paid far more than the vehicles value already, and Im seeking an investigation and resolution, including a full review of the fees, GAP coverage, and interest applied to my account.

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 2025-07-03 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: GA

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally request the removal of a XXXX late payment notation recently reported on my credit file for my XXXX XXXX XXXX XXXX. I want to express my sincere commitment to maintaining a positive payment history and would like to provide clarity around this recent issue. 

On XX/XX/XXXX, I made a payment of {$980.00} toward my account. Additionally, an extra payment of {$540.00} was processed the next day on XX/XX/XXXX. On that same day, I spoke with a XXXX XXXX XXXX representative XXXX XXXX, who assured me that the payment would be accepted as on time and would not result in a 30-day late mark on my credit report.

As a responsible customer, I acted promptly to resolve any potential delay and made both payments in full within a days span. I respectfully request that this late mark be removed as a goodwill adjustment, given the circumstances and the assurance I received from your representative.

A 30-day late mark can have a significant impact on my creditworthiness, and I am doing everything I can to ensure that my account remains in good standing. I value our relationship and have always worked to meet my financial obligations.

Please consider this request for a one-time courtesy removal. I would greatly appreciate your understanding and prompt resolution. 

Thank you for your time and attention.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally request the removal of a 30-day late payment notation recently reported on my credit file for my XXXX XXXX XXXX XXXX. I want to express my sincere commitment to maintaining a positive payment history and would like to provide clarity around this recent issue. 

On XX/XX/XXXX, I made a payment of {$980.00} toward my account. Additionally, an extra payment of {$540.00} was processed the next day on XX/XX/XXXX. On that same day, I spoke with a XXXX XXXX XXXX representative named XXXX, who assured me that the payment would be accepted as on time and would not result in a 30-day late mark on my credit report.

As a responsible customer, I acted promptly to resolve any potential delay and made both payments in full within a days span. I respectfully request that this late mark be removed as a goodwill adjustment, given the circumstances and the assurance I received from your representative. 

A 30-day late mark can have a significant impact on my creditworthiness, and I am doing everything I can to ensure that my account remains in good standing. I value our relationship and have always worked to meet my financial obligations.

Please consider this request for a one-time courtesy removal. I would greatly appreciate your understanding and prompt resolution. 

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I sent a formal cease and desist letter, pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), requesting the creditor to immediately stop all communication, remove the fraudulent accounts from credit reporting, and provide written confirmation. 

The accounts listed below are not mine and were opened without my knowledge or consent : _______________________ The creditor has either failed to respond appropriately or continues to report and/or communicate about these accounts. This is causing significant financial, reputational, and emotional harm. Their refusal to cease communication and reporting is a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
I am filing this complaint regarding Coinbases ongoing failure to address a serious issue affecting my Coinbase Commerce account, which has resulted in restricted access to my funds and a complete lack of meaningful support. 

I first contacted Coinbase through their Discord support channel, where I explained that I could not access the withdrawal function of my account. I received only irrelevant and ineffective responses, and was advised to use an external wallet scanner, which did not work. 

I then submitted a formal support ticket through Coinbases system and clearly requested that Coinbase enable withdrawal functionality directly through their platform. To date, no meaningful action has been taken and the ticket has not been resolved. 

At the time of my last successful withdrawal, a balance of approximately XXXX XXXX was detected by wallet software. I was only able to withdraw approximately XXXX XXXX, leaving an estimated XXXX XXXX still inaccessible. As Coinbase Commerce wallets are custodial, this balance falls entirely under Coinbases responsibility and should be fully accessible to the user.

Importantly, this issue began during or shortly after Coinbases insider data breach in XX/XX/year>. We believe the restriction on the withdrawal function and lack of platform-level access may be directly or indirectly linked to Coinbases internal system modifications, damage control measures, or security policy changes implemented in response to the breach. If this is the case, Coinbase failed to notify or support affected users like myself, which further aggravates the situation. 

Coinbases failure to restore access to the withdrawal function, and their deliberate choice not to respond meaningfully to repeated requests, amounts to a denial of rightful access to customer-held funds. Their silence contradicts their responsibilities as a custodial financial services provider. Furthermore, I have not been informed whether my account was among those compromised in the XX/XX/year> breach, despite Coinbases public promise to support affected users. 

We consider the restriction of access to the withdrawal functioncombined with Coinbases deliberate non-response to restore that function through the official Coinbase Commerce platformas more than sufficient evidence to justify all the relief outlined below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FCI Lender Services Inc.
State: MD

Complaint narrative:
In XXXX I received a letter stating that " our records show that your hazard insurance expired and there is no record that you have obtained new coverage, '' which is not correct. As a result XXXX and FCI have added {$1000.00} per month to the current mortgage. 

FCI, who purchased our loan has been collecting money for the insurance, escrow, and taxes. Also, our insurance agent as well as myself have provided copies of our fully endorsed insurance policy. 
This seems like a money grab with the potential to collect $ XXXX in fees via the mortgage.

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The debt was collected by XXXX XXXX XXXX ( Receiver ) by court order on XX/XX/year>. 

Now XXXX XXXX XXXX, XXXX. is trying to collect the same debt through a court order and has debited my checking account a second time for the same debt. 

Somehow they were granted a court judgement on the same debt that XXXX XXXX XXXX ( Receiver ) was granted and paid. 

They ( XXXX XXXX XXXX, XXXX. ) has debited from my account. 

The judge issued two judgements on the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: LA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-03 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: NC

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 XXXX  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 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