vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was scammed by a fake clothing merchant using my Capital One Debit card while using XXXX, neither the bank or XXXX will grant the fraud from the merchant. This was an ad on XXXX that is still running, I was presented clothing catalogs and I felt it was legitamate at first but after a XXXX XXXX  with no merchandise showing up I was suspicious but by then it was too late. I was clearly tricked here by this fake merchant in believing they were a real clothing vendor. 

The merchant provided a fake tracking number that was going to other places in the US but not to my residence, Capital One ran an investigation but did not grant my fraud request although my Capital One debit card clearly states it has fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL XXXX  I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I requested a transfer from XXXX to Coinbase of {$2000.00} USD. The funds were posted out of my account at XXXX but NEVER received in my account at Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: OH

Complaint narrative:
Experian/Transunion/Equifax has allowed XXXX XXXX and XXXX XXXX report a fraudulent account that was open in my name without my permission. On my XXXX credit report there XXXX an incorrect date of birth that's showing where the account holder signed up with in my name. Which is not matching my correct date of birth. I was a victim of XXXX XXXX which documentation has been uploaded supporting my evidence but no credit bureaus has responded to me. THIS ERROR IS ILLEGAL AND UNETHICAL Experian/Transunion/Equifax FAILED TO AN INVESTIGATION. XXXX XXXX and XXXX failed to perform investigation, The accounts has been damaging to me. REMOVE BOTH ACCOUNTS IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: OH

Complaint narrative:
Experian/Transunion/Equifax has allowed XXXX XXXX and XXXX XXXX report a fraudulent account that was open in my name without my permission. On my XXXX credit report there XXXX an incorrect date of birth that's showing where the account holder signed up with in my name. Which is not matching my correct date of birth. I was a victim of XXXX XXXX which documentation has been uploaded supporting my evidence but no credit bureaus has responded to me. THIS ERROR IS ILLEGAL AND UNETHICAL Experian/Transunion/Equifax FAILED TO AN INVESTIGATION. XXXX XXXX and XXXX failed to perform investigation, The accounts has been damaging to me. REMOVE BOTH ACCOUNTS IMMEDIATELY.

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 2025-05-19 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: VT

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

Company 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 2025-05-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: AL

Complaint narrative:
I am filing a complaint against Professional Account Management with creditor being XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/XXXX, I had gotten a notice of unpaid toll violation of {$25.00}, saying I entered the XXXX XXXX without a valid transponder. I did have a valid transponder with me, and there have been numerous times that I've been on the XXXX XXXX without any problems. So, I disputed this toll violation by sending a dispute documentation to Georgia XXXX XXXX and XXXX XXXX. However, they simply ignored my request and decided to send my " violation '' to debt collector, Professional Account Management. I disputed the second time to Professional Account Management on XX/XX/XXXX. Upon request for additional documentation ( direct quote from the document " copy of the vehicle list associated with your transponder account at the time of the violation or similar supporting documents to validate you claim '' ), I sent the additional information on XX/XX/XXXX. 
While disputing this first " toll violation, '' I received yet another " toll violation, '' saying I again entered the XXXX XXXX without a valid transponder on XX/XX/XXXX for {$27.00}. Initially, I disputed this to Georgia XXXX XXXX and XXXX XXXX, and once again, they ignored my dispute request and sent my " violation '' to Professional Account Management again. So, I resent the dispute documentation for the second violation on XX/XX/XXXX, and they request further documentation ( same document as mentioned previously, vehicle list associated with transponder account ), so I sent the additional documents on XX/XX/XXXX. 
On XX/XX/XXXX, Professional Account Management sent yet another notice regarding Unpaid Toll Violation as a " XXXX Collection Notice. '' This time, they sent XXXX document combining the XXXX " violations '' I had, making the total debt collection amount of {$53.00}. At this point, I called the debt collection company asking why this has not been resolved yet, and they told me they still need document that provide the vehicle list associated with my transponder account, which I have sent already twice before. I was really frustrated at this point, but I sent in the information another time to continue disputing on the same day, XX/XX/XXXX. 
It is now XX/XX/XXXX, and I still have not heard from them. At this point, I am so angry and frustrated by the lack of communication, and lack of responsibility in reading the dispute information accurately, I am submitting this complain.

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 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
My XXXX solar panels have not worked since XX/XX/XXXX. I paid for the lease for XXXX months of XXXX when the panels were not functioning. My XXXX lease includes maintenance and service of the panels. XXXX went bankrupt in XX/XX/XXXX. XXXX turned over payment collection to their subsidiary Launch Servicing LLC. 

Since XX/XX/XXXX I have submitted dozens of requests for service to XXXX and its various successor companies, via email, phone call, portal submissions and regular mail. XXXX and its successors have not contacted me at any point to resolve my issues. Due to their nonresponsiveness I ceased making lease payments in XX/XX/XXXX. 

In XX/XX/XXXX XXXX XXXX reported me deliquent to the credit reporting agencies and submitted a balance due of {$18000.00} despite the solar lease balance never having been listed on my credit record. The solar panel lease is not a purchase, loan, mortgage or line of credit. Solar panel lease balances are not reported to credit reports. 

Before the negative credit report appeared I had contacted XXXX XXXX via email and mail to dispute the debt. Since the negative credit report I have submitted XXXX additonal dispute requests XXXX XXXX and the last known address of XXXX. In addition, I have made dozens of unsuccessful phone calls requesting assistance in response to their daily, harrassing, debt collection phone calls. They leave messages that tell me to contact XXXX to speak to a representative. When I call that number I am advised to submit a portal request. When I submit a portal request I get no response. 
All my requests for assistance have been ignored. 

I have now submitted a dispute to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Product Debt collection Sub-product : Medical debt Issue False statements or representation Sub-issue : Attempted to collect wrong amount Consumer consent to publish narrative Consent provided Consumer complaint narrative Dear Consumer Financial Protection Bureau, I am filing a complaint against IC System for improperly reporting a medical debt to credit bureaus and failing to contact me or verify the accuracy of the debt before sending it to collections. I never received a Validation Notice or any other communication from them. I was never informed of the dates, services provide, or the amount. I am unclear as to what amount they thing I owe and how they arrived at these calculations. These amounts were conflicting IC Systems claiming {$3600.00} but then as reported on XXXX, the amount was {$3500.00}. I do not recognize either of these amounts. I believe their actions violate fair debt collection practices and have caused undue harm to my credit. IC System opened a collection account on my credit on XX/XX/XXXX for a medical debt. The agency never contacted me by mail, email, or telephone before reporting the debt to the credit bureaus. I believe, but do not know, that the debt relates to medical services provided by an entity and these services were improperly and negligently performed. For that reason, I disputed the charges with the credit card company who resolved the dispute in my favor. I can not verify this understanding because the amount reported to the credit agencies does not match the disputed bill. In XXXX of XXXX, I took XXXX  XXXX  to XXXX XXXX XXXX, which acted negligently, which resulted in harm to XXXX  XXXX. When XXXX XXXX XXXX attempted to bill my credit card for the services in question, I disputed the charges with my credit card company. The credit card company resolved the dispute in my favor. I considered the matter settled but then on XX/XX/XXXX I received a notice from my bank alerting me to new information on my credit report showing a delinquent account. The notice from my bank was the first and only notice that I have of this bill. On the same day I called IC Systems but all they would tell me is that the debt originated with XXXX an affiliate of XXXX XXXX  XXXX. They did not offer to provide any documentation to substantiate the debt, the amount, the services provided, etc. I have not received any follow up communication or information from IC System. 

Impact on My Credit : The medical debt was reported to credit bureaus without my knowledge and adversely affected my credit rating. I have always maintained an XXXX  credit score ( always in the XXXX ) so this experience is very distressing to me. I would like to have this bill withdrawn and deleted 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 2025-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been trying to use the Synchrony Bank website to access information, statements, and pay my balance.

I have had several issues with their website and their service.

1. My account numbers were not available online. I needed the full account number in order to do a balance transfer and pay it off.

2. There was no contact information posted anywhere on the site to get assistance and more information, such as my account number 3. The statement that showed that my promotional interest rate had expired, and that I would be charged a significant amount of interest in the next billing cycle was unavailable to me. I was sent an email to check the website, and the website had an error- the statement was unavailable. 

I have screenshots that illustrate the XXXX points above. 

Because of the unavailability of this data, guaranteed by the ruling by the CFPB about Personal Financial Data Rights, I was unable to navigate my account and do the balance transfer I wanted to do to avoid interest charges. I was also not given notice to enable me to payoff my account before getting interest charges ( which were at a predatory rate of over 30 % ) See this ruling XXXX XXXX XXXX XXXXXXXX

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 2025-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX  XXXX - asked for hardship and loan was sold to another company after waiting for months to get the compromised way fwd to keep my home. Answered Chase Mortgage Company questions multiple times and never got an answer back but instead they sold my Loan to another company XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. I had been trying to get the hardship since the earlier this year. Also, theyre aware that I had been talks with their chosen Insurance Company about the damages incurred by a rare ice storm and water damage in XXXX which they denied me to get a Public XXXX after Insure company gave me the run around after XXXX XXXX an emergency fix to save the house. All repairs were provided and XXXX XXXX wanted bills and receipts that I no longer had access to other than the water bill. Receipt for deck replacement was ruined by the water damage and electricity company ( XXXX ) went out of business and so I could get past electricity bills. This is my second home and no one was residing at the residence when water damage occurred. It please help- I dont understand while chase mortgage is afforded the right to treat us XXXXXXXX XXXX XXXX XXXX XXXX by having the ability to obtain there ability to be approved to handle VA XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( retiree and XXXX vet of the XXXX XXXX XXXX protected XXXX vet at 100 % ) Cell : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom this may concern, I want to get this alleged matter settled as soon as possible. But to do that, I need to have more clarity on what your presentment is actually saying. What language are you using, please? What dictionary are you using please? What system of grammar are you using, please? please provide a legend so that i can comprehend the symbols, etc. on your presentment.

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 2025-05-19 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: AL

Complaint narrative:
I have submitted a complaint about showing my account past due and the account being paid in full. My report still shows past due, I was late on payments, as in did not make the full amount each month. But, I reached out to the company to agree on a payment plan of making the remainder of the payments over the course of weeks. I still would like the late payments to be removed as it is hurting my score. I just purchased a home, and it would be very helpful to get those late payments removed. I would like to think since the loan is now paid in full, this should be an easy fix, and we can agree to remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
I have submitted a complaint about showing my account past due and the account being paid in full. My report still shows past due, I was late on payments, as in did not make the full amount each month. But, I reached out to the company to agree on a payment plan of making the remainder of the payments over the course of weeks. I still would like the late payments to be removed as it is hurting my score. I just purchased a home, and it would be very helpful to get those late payments removed. I would like to think since the loan is now paid in full, this should be an easy fix, and we can agree to remove the late payments.

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