vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I contacted freedom mortgage on XX/XX/year> after noticing a significant increase on my escrow payment. I requested a new escrow analysis because the tax amount being used by freedom mortgage did not match the certified tax bill issued by the XXXX XXXX treasurer. 

Since that date freedom mortgage has now completed multiple escrow analysis using incorrect XXXX XXXX property taxes amounts, Despite me providing the official verified tax bill showing the correct annual tax total of {$3200.00}. 

Freedom Mortgage continues to use an incorrect amount of {$6400.00}, nearly double the actual tax. I have contacted several of there departments on multiple occasions, in XXXX of these contacts there tax department later confirmed by phone that a {$1600.00} installment was mistakenly treated as if it repeats XXXX times, which is incorrect. However even after this was acknowledged there system continues to reflect the wrong amount and my escrow was recalculated incorrectly again Due to this error my monthly mortgage payment was incorrectly increased, I am being required to pay additional amounts to cover a shortage that is based on incorrect data, I have experienced delays for almost a month, I submitted a RESPA notice of error that was not properly processed ( there portal does not provide a specific mailing address and directs all disputes through online messaging ) As of today I am being asked to contact freedom mortgage tax department to submit another escrow analysis, No P.O. Box was made available to resubmit a RESPA notice, Freedom mortgages escrow analysis still reflects incorrect tax totals, my mortgage payment reminds inflated based on the wrong data.

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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I purchased {$5600.00} in concert tickets from XXXX using my XXXX XXXX ( issued by Comenity Bank ). On the day of the event ( XX/XX/year> ), XXXX and the venue removed my seats due to a stage/production change. When my tickets were scanned at the gate, the scanner displayed a mark restriction error, meaning the seats no longer existed and I was denied entry. 

This is a clear case of services not provided / merchandise not received. 

I submitted a dispute with Comenity Bank and provided detailed evidence twice ( online and by mail ), including : A photo of the tickets being scanned with the mark restriction rejection Proof of purchase Proof that I attempted to enter the event News coverage confirming this happened to many people with similar floor seats XXXX XXXX XXXXXXXX Despite receiving all of this, Comenity denied the dispute, stating lack of evidence. The reason given is incorrect, as the evidence I submitted directly proves that the merchant did not provide the service. 

I believe Comenity failed to conduct a proper investigation as required under the Fair Credit Billing Act, and I am requesting a full review by the banks executive resolution team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: SC

Complaint narrative:
I am filing this CFPB complaint because XXXX  is reporting several accounts, inquiries, and late payments that I believe are inaccurate, incomplete, or unverifiable. 

Charged-Off Accounts Under Dispute ( XXXX  ) I dispute the accuracy of the following XXXX  charged-off accounts : XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$8100.00} XXXX  XXXX Balance : {$9500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} These accounts show conflicting dates , balances, and statuses across bureaus. I am requesting full validation, including ownership, balance history, and reporting accuracy. If the furnisher can not verify the information, I request deletion. 

Inquiry Under Dispute ( XXXX  ) I do not recognize or recall authorizing the following inquiry : XXXX XXXX XX/XX/year> Please provide proof of authorization. If it can not be validated, I request removal under FCRA. 

Late Payments Under Dispute ( XXXX  ) I dispute the accuracy of the following late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reported late payments do not match my records. I request verification based on original payment history data. 

I am asking XXXX to investigate and correct or delete any item that is inaccurate or can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: SC

Complaint narrative:
I am requesting investigation into multiple inaccurate items on my TransUnion credit file. 

Charged-Off Accounts Under Dispute ( TransUnion ) XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} I have concerns regarding accuracy due to inconsistencies across bureaus. I request full validation. 

Inquiries Under Dispute ( TransUnion ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. Please validate or remove. 

Late Payments Under Dispute ( TransUnion ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These late payments are not consistent with my payment history. I request a full verification. 

I ask TransUnion to correct or delete any inaccurate or unverified items.

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 2025-11-28 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 explanation
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX I was notified through email that my account was flagged for suspicious activity and was restricted until an investigation could be conducted. I immediately checked my account, but did not observe any suspicious or non-routine activity. I called SoFi and spoke with their customer service department that forwarded me over to their Member Security Department. The Member Security representative informed me that the account had been marked for closure due to the suspicious activity ( normal banking transactions evidently ). I asked what had caused those results, but the rep could not tell me what in particular had occurred that caused the account restriction. They stated that once the investigation was complete, the account would be closed and any funds in the account would be mailed to my address on file. There is a balance of XXXX in the account plus another XXXX in an investment account with SoFi. The investment account doesn't appear to be restricted, but they won't let me withdraw any funds from it. I phoned back on Saturday XX/XX/XXXX and again today XX/XX/XXXX with a similar story coming from the Member Services team. I asked what policies were broken, but the rep could not tell me which policy or policies were in question or not adhered to. I asked again today when the account closure would be complete and the check with my account balance would be mailed, and the rep would not say. I offered to submit documentation showing the source of any funds that are in question in my account, the rep acknowledged such, but at no time have they asked for any documentation. They will not allow you to speak to a supervisor. The rep today informed me that they are waiting for transactions to settle, but I'm not sure what transactions they are waiting on, since the last transaction in my account was on XX/XX/XXXX. We are at XXXX calendar days with no timeline on the check being sent. SoFi has a history of doing this to others, with some still waiting on their account balances, months after the fact. With that amount of money being held, I can not wait 6 months to get the money, in which from what I am seeing and hearing on my end, they have no justification to hold those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX I wired {$35000.00} to a domestic transfer capital one account from my XXXX XXXX IRA, transaction ref XXXX. On XXXX XXXX I wired a domestic transfer to same capital one account for {$44000.00} confirmation # XXXX. The individual I wired the money to was told by capital XXXX on XXXX XXXX they they froze her account pending an investigation. They gave her a capital XXXX case number XXXX. Finally, they completed the investigation in early XX/XX/XXXX and told her that on XXXX XXXX at XXXX eastern time, the returned the amount of {$70000.00} to XXXXXXXX XXXX XXXX  On XXXX XXXX I contacted XXXX and they had no record of the return of funds or any communication from capital one. They mentioned that my friend was told the money was returned to XXXXXXXX XXXX however they are not a bank, they are XXXX XXXX. I passed that on to my friend who contacted capital XXXX and informed them of the term issue and they stated they sent the money back " where it came from ''. I have contacted XXXX about this issue many times and my friend has contacted capital XXXX as well. Finally, XXXX of XXXX I got a work order number for the case at XXXX, work item # XXXX. They stated capital XXXX had 30 day to respond, making it seem like 30 days for the date in XX/XX/XXXX, but the work order and problem was reported on XX/XX/XXXX by myself. My money is still XXXX. Both parties have signed hold harmless forms for both institutions. I feel a year is ridiculous for this amount of money to be in limbo. 

that was previous complaint XXXX I received a letter from capital XXXX dated XXXX from capital XXXX stating upon review, " I need to continue to work with my remitting bank regarding funds '' I did contacted XXXX investments, who uses XXXXXXXX XXXX or XXXX XXXX for transfer of domestic funds. I said if I need additional assistance to contact XXXX  on behalf of capital XXXX, XXXX ext XXXX, which I have on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. BECAUSE, on XXXX ( same date as on their letter telling me to see assistance from my bank ) the money mysteriously showed back up in my friends capital one account, it had been XXXX since XX/XX/XXXX. On XXXX my friend called capital one to inquire on why the funds are bank in her account and they were to be returned to my account, she was told " there is movement, that capital one received what the needed so now they are in the process of sending the money back to the original bank '' she asked how long this would take and no answer could be offered. As of XX/XX/XXXX the money is still in her capital one account ( frozen ). I spoke with XXXX today and no further information has been available

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

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 2025-11-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
Voluntarily given vehicle back after couldnt make the payments during job lost

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
In XX/XX/year>, I disputed an LVNV Funding collection account that contains inaccurate, inconsistent, and unverifiable information. At the same time, I sent LVNV a formal written Debt Validation Request. Under FDCPA 809 ( b ), a debt collector must stop reporting and collecting until they validate the debt. LVNV never provided any documentationno original contract, no account-level statements, no proof of ownership, and no verification of the balance they are reporting.

Despite failing to validate the debt, LVNV continued reporting this account to the credit bureaus with balances and dates that do not match across XXXX XXXX XXXX XXXX  This violates FDCPA 807 ( 2 ) ( A ) because they are reporting and attempting to collect an amount that they can not substantiate. It also violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they knowor should knowis inaccurate or unverifiable.

I then disputed the LVNV account with the credit bureaus. The bureaus verified the account even though LVNV did not respond to my validation request. This violates FCRA 611 ( a ) ( 1 ), because no reasonable reinvestigation could have occurred without validation from the furnisher. It also violates FCRA 607 ( b ), because the reported information is not accurate, consistent, or verifiable.

LVNV is reporting a balance and status it can not prove, and the credit bureaus are publishing this unverified information despite my disputes. I am requesting CFPB assistance to require LVNV to provide proper validation or remove the account entirely, and to ensure the credit bureaus conduct a lawful reinvestigation and correct or delete all unverified information.

Company response to consumer: Closed with explanation