vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am requesting the following : XXXX. Full validation and documentation proving this account was lawfully established for Collection and charged off. XXXX. Copies of the original signed contract or agreement bearing my signature. XXXX. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX BANK Account Number : XXXX * * * * Date Opened : XXXX, XXXX Amount : {$2900.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA XXXX USC XXXX, FCRA XXXX ( a ), FCRA XXXX USC XXXX, FCRA XXXX, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is XXXX USC XXXX which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required XXXX days. Sincerely, 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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have special financing terms, if paid within XXXX months, there are no interests charged. When I submit a payment, instead of automatically applying the payment towards transactions that are due sooner ( XXXX XX/XX/XXXX ), their " system '' applies it randomly. I saw that it applied part of my payment to something that wasn't due until XXXX XXXX. I was told that I have to call them every time I make a payment so that a customer service agent had to reallocate. This is time consuming & lame. If they allow me to pay online, why can't I specify how the allocation is done? Or at minimum, apply my payment to what is due first so that it gets paid off faster. Terrible practice- it puts me in jeopardy of not meeting the earlier deadline so they can charge interest on me. See the screenshot, instead of applying my payment to the XXXX XXXX due on XX/XX/year>, they applied it to XXXX in XXXX that's due on XX/XX/year>

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 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: AZ

Complaint narrative:
I am filing a complaint regarding a debt collection account reported by Synergetic Communications , Inc. The account, in the amount of {$630.00}, was reported to my credit file as a collection account originating from a rental property ( XXXX on XXXX ). I dispute this debt in its entirety. This alleged debt stems from a charge assessed by my former landlord for an appliance issue. However, no documentation has been provided to support that I caused any damage or that I am legally responsible for the charge. I have not been provided with itemized charges, invoices, repair records, or any third-party verification. I have previously requested documentation from the original creditor and did not receive adequate information. Despite this, the account was placed into collections and reported to the credit bureaus. Additionally, I have received collection calls but did not receive a proper written validation notice containing the required details of the debt prior to or shortly after these communications. This account is currently being disputed with the credit bureaus. I am requesting that the collection agency : - Provide full validation of the debt, including itemization and supporting documentation - Cease reporting the account if it can not be properly verified - Correct or remove any inaccurate or unverified information from my credit file - Cease telephone contact and communicate in writing only This appears to be an attempt to collect and report a debt that has not been properly verified. I request that this matter be investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am currently applying for a HELOC loan and it was discovered that my county records show two mortgage liens for the same loan. Only one lien should exist. The duplicate lien appears to be an error that should have been corrected after loan payoff or transfer. I have contacted Freedom Mortgage multiple times requesting correction of the lien record, but I have not received any response or update regarding what is being done to resolve the issue. A VA representative has also contacted Freedom Mortgage requesting correction, but the information has still not been updated. This error is preventing me from obtaining a HELOC loan because the title is not clear. I am requesting that Freedom Mortgage immediately correct the lien record and file the Satisfaction of Mortgage releasing the duplicate lien with the county recorders office.

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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I previously filed a CFPB complaint regarding billing and AutoPay issues on my Prosper account. In its official response, Prosper stated that my credit limit was {$1500.00} and that I was notified via email that AutoPay had been canceled. After the case was closed, I reviewed my account and confirmed that my actual credit limit is {$500.00}, not {$1500.00}. This is a material factual inaccuracy in Prospers response to a federal regulator. Further, I have not received any notice of a decrease in my credit line to explain this discrepancy, which raises concerns about the accuracy of Prospers records and disclosures. Additionally, I requested time-stamped proof of the email Prosper claims was sent regarding AutoPay cancellation. No such documentation has been provided, and I did not receive any notification. Despite this, Prosper relied on this unsupported claim in its response. Providing inaccurate account information and unsupported statements in a CFPB response raises serious concerns regarding the accuracy of Prospers records, its internal controls, and its compliance with obligations to furnish complete and accurate information. As a result of these issues, my account was reported as 30 days late. Given the inaccuracies and lack of supporting documentation, there is a clear risk that this negative credit reporting is also inaccurate or was caused by improper account handling. These issues raise concerns regarding Prospers compliance with federal obligations, including the requirement to furnish complete and accurate information and to conduct reasonable investigations of disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
On first contact of me calling and disputing the debt, the collector stated that my credit and my fathers credit would be hit at the beginning of the month in just a few days if not paid right now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint regarding a fraud incident involving impersonation of Navy Federal Credit Union. On XX/XX/year> at XXXX XXXX, I received a phone call that appeared to come directly from Navy Federals official phone number. The caller identified himself as a member of the fraud department and stated there were two suspicious transactions of {$1500.00} each originating from XXXX, Texas. The caller then instructed me that my account needed to be secured immediately and directed me to move my funds to protect them while a new checking account was being created. I was told this was time-sensitive and necessary to prevent further loss. Relying on the belief that I was speaking with Navy Federals fraud department, I followed these instructions and transferred {$2800.00}. Immediately after the transfer was completed, the caller disconnected. I later discovered this was a scam involving caller ID spoofing, where the fraudster manipulated the phone number to appear as Navy Federal Credit Union. This was not a voluntary or intended payment to a third party. This was a fraudulent transaction carried out under deception by an individual impersonating the financial institution responsible for safeguarding my account. I promptly contacted Navy Federal Credit Union to report the incident. However, they have declined to assist or investigate further, stating that the transaction was authorized. This determination fails to account for the fact that the authorization was obtained through impersonation, deception, and manipulation during what I believed to be an official fraud response. This situation meets the criteria of an Authorized Push Payment scam involving impersonation of a financial institution, a growing and well-documented form of fraud. I am requesting that Navy Federal Credit Union : Reopen and escalate this case as fraud involving impersonation Conduct a full investigation into the transaction Attempt recovery of the funds through all available channels Provide reimbursement or provisional credit based on the fraudulent circumstances Additionally, I request clarification on what protections Navy Federal has in place to detect and prevent spoofed calls appearing from their official phone number, as this directly contributed to the success of this fraud. I expect this matter to be reviewed thoroughly and handled in accordance with consumer protection standards regarding fraud and unauthorized transactions obtained through deception.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC Systems collection to my credit report amount of {$130.00}. I have never had account with them. This is due to identity fraud. I would like this to be removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
This is not a Duplicate because HSBC Bank sent a Letter XX/XX/XXXX and XX/XX/XXXX stating that corrections were made and corrections were not made funds not applied! The XXXX funds or pymts that were paid to HSBC Bank XXXX and XXXX were not applied until complaint submitted yr XXXX and then HSBC applied the XXXX funds and pymts then reversed the pymts and XXXX funds! HSBC Bank created fraud on my acct! HSBC Bank made a number of errors on my mtg that effected my credit by not applying my pymts in a timely manner, reversing pymts, putting pymts in suspense acct, adding inflated charges and fees, applying pymts and then cancelling them out, applying XXXX and then reversing the XXXX pymt, XXXX was given in year XXXX and XXXX not applying the XXXX funds until year XXXX, falsify information on XXXX Form telling XXXX program that I did not make pymts and the pymts were made, Forcing me to pay during the duration of the XXXX and I paid XXXX, sending CFPB and myself a letter stating that corrections were made, funds applied, funds rmv, HSBC Bank stated that credit bureaus contacted to request correction and credit bureaus stated that HSBC bank did not contact them lied, etc! HSBC sent myself and CFPB letter XX/XX/XXXXXXXX XXXXstating that corrections were made and I sent CFPB a letter informing CFPB that no corrections were made! I sent HSBC sent the same letter XX/XX/XXXX stating that the same corrections were made and I sent a letter proving HSBC bank did not make any of the corrections! HSBC Bank committed Fraud, embezzlement, Misappropriation of funds, FDCPA against the myself, Federal, and State agencies!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After later being charged {$300.00} by XXXX XXXX XXXX, I filed a dispute with Capital One. I never received any communication from Capital One requesting additional information regarding the dispute. On XX/XX/year>, I called after receiving an email stating that a determination had been made and my claim was denied. The representative I spoke with reopened the claim ; however, at no point was I informed that the temporary credit would be revoked while the investigation continued. It is not reasonable for me to be charged for a service that I properly canceled and did not use. I am owed the {$300.00}, which was never refunded to mehence the dispute. Additionally, my mother has coded twice and had to be resuscitated. I should not be dealing with this matter when it should have been resolved after I initially contacted all parties. I have already provided Capital One with a copy of my cancellation letter as well as an email from a representative at XXXX XXXX XXXX confirming my membership cancellation and referencing my prior cancellation request. At this point, I am owed a refundwhether from XXXX XXXX XXXX or through Capital One honoring my dispute. Regardless of the source, my account should not be charged {$300.00} for a canceled membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
RE : Notice of Intent to Pursue Legal Action for FCRA Violations To Whom It May Concern, This letter serves as formal notice of my intent to pursue legal action against your company for violations of the Fair Credit Reporting Act ( FCRA ). You are currently reporting information on my credit report that is inaccurate, inconsistent, and unverifiable. Despite prior disputes, this information remains, indicating a failure to conduct a reasonable investigation and a failure to ensure maximum possible accuracy. Your actions constitute violations including, but not limited to : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation Additionally, reporting inaccurate information after being notified of disputes may constitute willful noncompliance. I am demanding the following : Immediate deletion of all inaccurate and unverifiable accounts Written confirmation of deletion Documentation of how the information was verified If this matter is not resolved within 15 days of receipt of this notice, I am prepared to pursue all available legal remedies, including filing claims for damages. This letter serves as your opportunity to resolve this matter prior to escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NV

Complaint narrative:
My account is frozen because I disputed transactions made on my account from out of state that I did not authorize. I need access to the funds in my account due to a family emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
My name was used then identity theft someone opened up fraudulent accounts and my name. I tried to get items removed because of fraud in activity due to loss 15 USC. $ 1681c-2 also section 605B of the FCRA consumer reporting the items should be removed or blocked within four days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
I have been locked out of my Coinbase account for approximately 7 weeks due to a 2FA/identity verification loop ( Case # XXXX ). I can log in with username and password, but every attempt to complete 2factor authentication fails because the system forces identity verification that never succeeds. I have submitted multiple high-quality ID photos and support tried multple overrides, but nothing resolved the issue. Support escalated to engineering on XX/XX/XXXX after an hour and 41 minute call, but provided no updates since. I own a Coinbase Credit Card and can not access my statements or make payments. Because I am unable to view or pay my balance, I am accruing interest charges and facing potential credit impact. I have spent significant time contacting support with no resolution, and I have not received any ability to access my account or pay my statement in full in in over a month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
b"So i got scammed on XXXX XXXX XXXX the person who scammed me threatened that i was going to get banned if i didn't go to another guy Mimicking Customer support. Later in the Conversation he had me use a money transfer website called Western Union and had me send him XXXX$ XXXX . I tried Disputing the transaction with my bank XXXX XXXX and they said they I have to talk to the merchant and request the money back so i contacted Western Union and told them what happened and they looked into it and said they won't help me and that I have to go to the bank to get it disputed so the two are sending me in circles.\n\nThe tracking number for the transaction for Western Union is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: TN

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my Flare account and the companys failure to properly handle my dispute in accordance with the Electronic Fund Transfer Act ( EFTA ). On XX/XX/year>, I notified Flare of fraudulent/unauthorized charges on my account. I reported the issue promptly after discovering the transactions. At that time, I followed their reporting process and informed them that I did not authorize these charges. Although I did not submit written confirmation within 10 business days, I have since submitted a formal written dispute identifying the unauthorized transactions and requesting reimbursement. Flare has denied provisional credit, stating it was due to not receiving written notice within 10 business days. However, despite my timely initial report on XX/XX/XXXX, Flare is now requiring me to wait until XX/XX/year> ( nearly 90 days total ) for resolution, without providing meaningful updates on the status of the investigation. I am concerned that : Flare has not provided provisional credit while the investigation is ongoing Flare has not provided clear updates or transparency regarding the status of my dispute The extended delay appears unreasonable given that I reported the fraud promptly Flare may not be meeting its obligations under the Electronic Fund Transfer Act regarding timely investigation and resolution I am requesting that Flare : Provide a detailed status update of my investigation, including what actions have been taken since XX/XX/XXXX Expedite the investigation and resolve my claim without further unnecessary delay Issue a full refund of all unauthorized transactions if confirmed as fraud Provide written documentation explaining their decision-making process and timeline I have acted in good faith by reporting the fraud promptly and submitting all requested documentation. I am requesting assistance to ensure my rights under federal law are upheld and that this matter is resolved fairly and promptly. Desired Resolution : Immediate review and escalation of my fraud claim Prompt refund of unauthorized charges Clear written explanation of findings and actions taken Dates of Key Events : Fraud reported : XX/XX/year> Written dispute submitted : XX/XX/year> Estimated resolution date given by Flare : XX/XX/year> Account Type : Debit/Prepaid 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