vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Strategic Alliances, Inc.
State: NY

Complaint narrative:
I received an email from first financial asset management on XX/XX/XXXX in regards to XXXX XXXX and a car they rented to me that was damaged when I took it out. This was reported to them and they charged me. I was under the impression that this was resolved in XX/XX/XXXX until I received the email. I called FFAM to inquire and I was greeted by a young lady who appeared hostile and not listening to my concerns. I called back in hopes of getting a different person but it appeared to be the same individual. I asked to speak to a supervisor but it sounded again like the same person. I proceeded to inform her of my concerns in hopes of getting clarification and I again was received with hostility. I was asked why was I calling if I didnt plan to make payments because she could be taking calls from someone who was going to pay. I was calling for answers on how to not dispute the payment for damage I didnt cause, not to be met with anger. I asked to speak with a supervisor again and she refused. I feel I was not heard and she only wanted to get her point across. Im the consumer and I was no way heard. All of this was recorded. Yes I became upset because she was not listening as a customer support agent should be trained to do.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I have been trying for 9 months to tell Shellpoint Mortgage Servicing that I am not 1 month behind in my payments. Have been writing to them and calling since XXXX. No one would come up with any definitive response. Customer service is horrible, they know nothing and can not figure out any issues. Finally I complained to the XXXX  and got a response from their compliance dept. The telephonic customer service dept says 'we do not have a compliance dept ' and refuses to put you thru to a supervisor 'because we don't have a XXXX  dept '. Letter from XXXX XXXX in the 'XXXX  dept ' ( no one knows who she is or how to get hold of her ) says I am one month behind since XX/XX/year>. Sent copies of all my XXXX XXXX payments to them for the last 19 months which includes since XX/XX/year> showing ALL PAYMENTS HAVE BEEN MADE and get the same answer- you are one month behind and owe 4 months of late fees at {$160.00} each. I always pay my payments on time, ahead of the XXXX of the month. I do it by phone because I don't trust their online system, and looking at reviews no one else does either. So they must have time stamped records of my calls for payments. They send emails telling me they have no record of my payment and recorded phone messages/calls of the same. I have now reported them to the XXXX  State Atty General ( where I live  ) and XXXX  Attorney General where they are located. They have HORRIBLE reviews ( XXXX ) with XXXX, XXXX and XXXX XXXX. My loan was acquired by them from XXXX XXXX. I want my account status cleared and placed in good and up to date status and the late fees removed from my account as this is their error. From the reviews it appears others have had similar problems. Many have said in their reviews that someone should file a class action suit against them. They are absolutely HORRIBLE!

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 2025-12-18 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: IL

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX Date : XX/XX/2025 Capital One Bank Customer Relations / Complaints Department Subject : Formal Complaint Regarding Unfair Account Restriction and Frozen Funds Dear Capital One Representative, I am writing to formally file a complaint regarding the restriction and closure of my Capital One account, as well as the freezing of my funds, which has caused me significant financial hardship. 

On XX/XX/2025, I received legitimate payments related to my employment. I am a truck driver, and I am paid by different companies. One payment was received via direct deposit, and another was received via XXXX. These funds were lawful, expected, and directly related to my work. 

Shortly after receiving these payments, I transferred the funds to my wife, XXXX XXXX, so she could pay our household bills. This is our normal arrangement, as she manages our bill payments. Immediately after making these transfers, my account was suddenly restricted and later closed. I was informed that an investigation was initiated because the funds were transferred out too quickly. 

As a result, the remaining funds in my account have been frozen, leaving me without access to my own money. I contacted Capital One again today, Thursday, XX/XX/2025, and was told that the account is still under investigation, with no clear timeline for resolution. 

This situation is unfair and unreasonable. I am being denied access to money that I legally earned, with no evidence of wrongdoing on my part. The restriction has placed my family in serious financial distress. I have a XXXX  baby who depends on me for basic necessities such as diapers and food, and due to this account freeze, I am currently unable to provide for her needs. 

I respectfully request that Capital One : 1.Immediately release my frozen funds, or 2.Provide a clear and expedited resolution timeline, and 3.Offer a written explanation detailing the reason for this action and how I can prevent this from happening again in the future. 

I trust that Capital One will review this matter fairly and understand the urgency and hardship this situation has caused. I expect prompt attention to this complaint. 

Thank you for your time and cooperation. I look forward to your immediate response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: FL

Complaint narrative:
XXXX denied me the ability to work based on a background check conducted by Checkr. 

When I access my Checkr Candidate Portal, no report appears and no records are listed. I have no criminal history. 

I am unable to review, dispute, or obtain a copy of the report that was used against me. 

I am requesting that Checkr investigate, confirm whether a report exists, and provide written confirmation of the results in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the accuracy and completeness of the information provided by the credit bureaus regarding my credit file. The following accounts are in dispute, and I am requesting a thorough investigation into their reporting. Please review the listed accounts by each credit bureau for their accuracy under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I disagree with the account listed below still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX account number XXXX in accordance with the fair credit reporting act, public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NJ

Complaint narrative:
I have noticed there are few accounts reporting that I didnt authorize

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 2025-12-18 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: NJ

Complaint narrative:
I have noticed there are few accounts reporting that I didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I purchased colognes from XXXX  XX/XX/year> using the XXXX  XXXX  Credit Card issued by XXXX XXXX Bank. The Items was shipped in one box per XXXX through tracking number XXXX via XXXX. The package was left outside the door by XXXX XXXX picture of delivery. I never received the package, I called XXXX and they stated that they would investigate, within a hour they emailed me back and said that the package was delivered and no refunds could be given after many attempts with the merchant I decided to call the credit card issuer for assistance. I called XXXX  XXXX  Credit Card and they opened a dispute or the amount of XXXX. They placed a credit on the account a few days after, I called to inquire about the credit and the representative said that it was a final credit and the dispute was in my favor. XX/XX/XXXX I get a email that I have a balance on my credit for XXXX. I called XXXX XXXX XXXX credit card and spoke to 3 representatives. They said that the information on the dispute couldn't be verified and that the dispute was in the merchants favor, also they said that I should call XXXX for the refund if any. I Asked to speak to a supervisor and was connected to XXXX and she said that she didn't know why the dispute wasn't in my favor and there was nothing they could do, reiterated that I should call the merchant XXXX for the refund. I asked why wasn't I given updates on the dispute and where can I get the details of the chargeback. She said I couldn't receive details of the dispute because it was already closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed inaccurate and inconsistent information appearing on my credit report. The credit reporting agency failed to conduct a reasonable investigation under FCRA 1681i and failed to provide the required Method of Verification under 1681i ( a ) ( 6 ) ( B ) ( iii ). Several accounts were marked as verified, updated, or remains, but no evidence or documentation was provided to support the verification. 
On multiple occasions, including my most recent dispute dated XX/XX/year>, I notified the credit reporting agency of inaccurate, incomplete, and contradictory information appearing on my consumer report. Despite this, the bureau marked several accounts as verified, verified and updated, updated, or remains, without providing : The method of verification The name of the person or system that verified the information Any original documentation from the furnisher Signed applications, contracts, billing ledgers, or source documents The specific procedure used to reinvestigate my dispute This violates : 15 USC 1681i Reasonable Reinvestigation 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Requirement to provide MOV 15 USC 1681e ( b ) Maximum Possible Accuracy The investigation results also contained contradictory updates, inconsistent payment histories, and unverifiable data. No evidence was provided to justify the 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 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Proof of Legal Ownership ( " Chain of Title '' ) If the collector is a third-party debt buyer, they must prove they legally own the specific account through a clear chain of ownership. 
Bill of Sale or Assignment : A legal contract between the original creditor and the debt buyer transferring ownership. 
Specific Account Identification : Documentation ( often an " Exhibit A '' or redacted data file ) that ties your specific account number and name to the larger portfolio of debts purchased. 
Chain of Custody : If the debt was sold multiple times, the collector must provide bills of sale for every single transfer from the original creditor to themselves. 
3. Legal Authorizations State Licenses : Collectors must often provide evidence that they are licensed to collect debt in the specific state where the consumer resides. 
Authorization Agreement : If the agency is collecting on behalf of the original creditor ( contingency basis ) rather than owning it, they need an agreement showing they are authorized to act as an agent for that creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Volvo Car Financial Services U.S., LLC
State: CO

Complaint narrative:
I had a late payment on a loan ( it was not a monthly payment but rather a fee after I had turned in my lease ). I paid it off but my credit score was reduced by 150 points due to the late payment. The payment was submitted almost a year ago and my credit score is still suffering from that incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges. 
On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: MN

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains multiple accounts and information that I believe are inaccurate, outdated, or unverifiable. I have attempted to resolve these issues directly with Equifax but have not received a satisfactory correction. 

Disputed Accounts ( Charged Off ) : XXXX  XXXX Account # XXXX DOFD : XX/XX/XXXX XXXX Multiple accounts ( # XXXX, XXXX, XXXX, XXXX, etc. ) Dates range from XXXX to XXXX XXXX XXXX Accounts # XXXX and # XXXX XXXX  XXXX Account # XXXX Date : XX/XX/XXXX I am requesting that Equifax verify the accuracy, ownership, and complete payment history for each of these accounts. Several appear to be duplicated or outdated beyond the XXXX reporting limit ( per FCRA 605 ( a ) ), and others do not match the information reported by other bureaus. 

Disputed Inquiries : XXXX XX/XX/XXXX I did not authorize this inquiry. Please delete it as an unauthorized hard inquiry under FCRA 604. 

Other Concerns : My addresses are inconsistent across reports. Please correct and retain only my most current address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX I am asking Equifax to conduct a full reinvestigation as required under FCRA 611, provide documentation of verification, or remove all unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation