vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint regarding my XXXX XXXX, issued by XXXX XXXX XXXX XXXX. Despite maintaining a perfect payment record, my card has been unreliable and effectively unusable. 

I have consistently paid my balance in full and on time. However, XXXX holds my payments for approximately seven days before releasing the credit, even after the funds have cleared my bank account. During this period, transactions are often declined including small or {$0.00} billing updates despite my account showing available credit and no pending authorizations. 

When I contacted XXXX customer service for clarification, I received inconsistent explanations and, after a call in which I expressed frustration, my account behavior appeared to worsen. Since then, declines have occurred more frequently with no transparent reason or communication from the issuer. 

This pattern has caused embarrassment and stress, and it undermines the purpose of having a credit card for travel and recurring payments. I believe the issuers delay in crediting payments and the lack of reliable access to my available credit may violate fair and transparent credit practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: SC

Complaint narrative:
Good morning, In XXXX of XXXX, my daughter was in the process of getting aligners from XXXX XXXX XXXX. I was not aware that XXXX XXXX had filed for bankruptcy in XXXX of XXXX, or I would not have engaged with attempting to get aligners for her. The week that she received the aligners, XXXX XXXXXXXX sent an email informing all customers that they had filed for bankruptcy. As a result, I threw the aligners away that day because I did not want my daughter using them without having an orthrodontist to provide the agreed-upon services. At this time, our health insurance has paid the {$1000.00} for aligners that she never received services for, and I had paid the initial deposit of {$250.00}. 

Unfortunately, XXXX XXXX turned this account over to TEK Collection services, which eventually reported the lack of payment to the credit bureaus and my good credit has been adversely affected. I reached out to the company to request the derogatory mark be removed, and they refused. I disputed the report with the bureau and have not heard back as of yet. I have also requested a validation of the debt from TEK Collect and have not received it. Please seen the attached documentation that shows the dates of the aligners, news report about the bankruptcy, and my refund from XXXX. 

XXXX refunded the {$250.00} deposit in early XXXX, so that further iterated that I should not be responsible for the remaining debt for services that I never received as agreed upon between myself and XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding a collection account appearing on my credit report that I have no knowledge or recollection of. The account is being reported by Credit Collection Service with account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is showing as an active or previously active collection on my file with XXXX  and XXXX. 

I have never received any communication, billing statement, or documentation from this company, nor have I entered into any agreement or obligation with them. As such, I believe this account is being inaccurately reported and should be immediately investigated and removed in accordance with the FCRA. 

Please conduct a full investigation and provide : XXXX. The name and contact information of the original creditor ; XXXX. The date of account opening, alleged balance, and verification of the debt ; and XXXX. Copies of all documentation used to verify that this account belongs to me. 



If this debt can not be verified, it must be deleted from my credit file and a corrected copy of my credit report should be sent to me once the investigation is complete. 

Please also forward a copy of your findings to the Consumer Financial Protection Bureau ( CFPB ) for documentation of my complaint. 

Thank you for your prompt attention to this matter. 
I expect a written response within 30 days as required 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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
. On XX/XX/XXXX I mailed a certified letter to Capital One along with the void check I was asked to provide. Capital One signed for the letter. Since then I have not received a response nor has my account been unlocked. Mine and my husband 's credit has been negatively affected by this. I received another letter from Capital One stating that they have closed my account because I have failed to provide the information. I have so many time already and I have even done so via certified mail. I need this resolved because it is unfair that I have had to go though all of this. They have failed to be reasonable. I have completed everything asked and I get negatively affected for doing so. This has been going on so long now ans everytime I file it gets closed. They are not doing anything. Last time all they did was show that they wrote a letter saying they requesting information even though I have provided that numerous times.I have been trying to get my Capital One account unlocked. I have been trying since XX/XX/XXXX. I have made multiple calls ans emails to Capital one. I was asked to provide proof that they bank account used to make a payment to my account was mine. I have uploaded those bank statements, documents 3 different times. My account is still locked I have proof of everything I can send it if somebody would just listen and allow me to prove that Capital One is not doing what they are asking, when I am providing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been receiving calls every morning from an unknown number, and they have been leaving voicemails that say : This is XXXX with MCM, and we have a personal business matter to discuss. 

I had no idea who this company was at first because they never identified the original creditor, never explained the purpose of the call, and never offered to send any written validation. Eventually, I answered one of the calls, and the representative was disrespectful, unprofessional, and kept interrupting me when I tried to explain my situation.

Even after I said I was unemployed, he continued to pressure me instead of offering support or any email confirmation to set up a payment plan. He also mentioned an old address that I no longer live at but never once asked for my updated address. I have not received any emails or letters from Midland Credit Management about this debt.

I do not feel safe or comfortable making payments to a company that refuses to communicate with me properly, especially without written validation or clear identification of who they represent. Im not refusing to resolve the debt Im asking for it to be done respectfully and in writing. Until then, I will not make any payments.

Can remind you, I only found out about the company name by searching them up and thats when debt collectors came up so that it made sense

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
This is now my third CFPB complaint against Robinhood, as they continue to fail to provide any resolution in good faith. On XX/XX/scrub>XXXX  I was informed that my account was being closed- of which I still have never been given a reason, despite full compliance and no explanation of why my account was flagged for 'unusual activity ' to begin with. 
On XX/XX/year>, after my second CFPB complaint was filed, Robinhood stated that if confirmation were received of bank account closure ( the source of the funds currently locked in Robinhood ) then they would pursue an alternate way to return my funds to me. Following that, I contacted the bank myself ( XXXX XXXX ). The representative explained to me that there was no communication or documentation on file that Robinhood ever attempted to communicate with them on my behalf. In addition, she confirmed that XXXX XXXX does NOT communicate with other financial institutions regarding customer account openings/closures, and that is through the customer. I was then sent an official email from XXXX stating the date of my account closure. I promptly forwarded this email and sent screenshots to Robinhood support. I have since followed up on this multiple times, and have been met with radio silence on Robinhood 's end.

For the last 6 weeks now, my funds remain completely inaccessible, which has caused significant stress and financial concern. Robinhood has failed to : Provide any reason for restricting my account, or Communicate in good faith despite repeated attempts on my part to resolve the matter. This lack of transparency and access to my own funds is unacceptable. Because of this restriction, I have been unable to access my own money to pay essential bills and expenses. Having my account frozen for this long without explanation has caused significant financial hardship and anxiety, as I rely on these funds to cover necessary living costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
Why I was still owing on a car that was totaled and paid off from XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have identified collection accounts on my credit report that I believe include inaccurate information. In accordance with my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate. I am requesting a thorough investigation of these accounts, and if they can not be verified as accurate, they must be deleted.

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 2025-10-15 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
While traveling in XXXX, my Bank of America credit card was declined when I attempted to make an online purchase. To resolve this, I used the official Bank of America mobile app to connect with a customer service XXXX  via the chat feature. 

On the days up to or leading to XX/XX/year>, the XXXX  I was chatting with instructed me to call the international collect call number on the back of my card to fix the issue. The XXXX  explicitly told me that making this call would be 'free for me. ' Acting solely on this direct and incorrect advice from the Bank of America representative, I made the call. As a result, my XXXX mobile provider, XXXX XXXX, has billed me XXXX JPY for this single call. 

I later contacted Bank of America customer service on XX/XX/year>, to request a reimbursement for this charge. My case was escalated to a supervisor who acknowledged that their XXXX  had caused a 'miscommunication ' and that they would use my experience as feedback to update their policies. Despite admitting their error, they refused to reimburse me, stating there was 'no policy ' to cover such a situation. 

Bank of America has admitted their communication was flawed, but they are refusing to take financial responsibility for the direct monetary loss their bad advice caused me.

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 2025-10-15 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I applied for XXXX XXXX XXXX XXXX loans between XXXXXXXX XXXX XXXX, these were student loans for my daughter and I was listed as a co-signer. I paid off all of these loans early and without any late payments as confirmed and reported to the major credit bureaus. The last credit reports I received in XXXX reflected this payment history. 

I recently received my credit report from Transunion, dated XX/XX/XXXX, and the XXXX XXXX XXXX loans have been removed from my credit history. I believe XXXX XXXX failing to report these loans being paid off is adversely affecting my credit score. 

I filed a complaint against XXXX XXXX with CFPB ( XXXX ) regarding an old joint account from XXXX. That account had nothing to do with the student loan accounts. 

I dont understand why XXXX XXXX is not reporting these student loans being paid off successfully. 

I will be contacting XXXX XXXX later today. 

Thanks for your help with this matter.

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 2025-10-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: VA

Complaint narrative:
Greetings, I hope you're well. My letter concerns the following accounts. Its presence on my credit report is affecting me greatly. My personal information was stolen to create these credit report accounts. Even if these accounts are not mine, they affect me. It is unjust that I must cope with the ramifications of something made public without my knowledge. Nobody wants to pay for something they don't know, understand, or should not. I need a credit check for a job promotion and a XXXX XXXX XXXX. I'm trying to fix my life because being a victim is hard. Due to stress, my mental health is suffering. I sent my ID and proof of address as instructed on the Consumer Financial Protection Bureau 's website ( CFPB ).

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 2025-10-15 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: GA

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 2025-10-15 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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