vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Holding Company, Inc.
State: SC

Complaint narrative:
I sent in this information show that it was charge off and i need it remove. here are the information for the 3 credit bureau XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$760.00} {$0.00} {$760.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$760.00} {$760.00} {$760.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account disputed Creditor Type Personal Loan Companies Credit Card - Finance Company Personal Loan Companies Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.

Unpaid balance reported as a loss by the credit grantor.

Consumer disputes after resolution Charged off account Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- -- -- Past Due Amount {$760.00} {$760.00} {$760.00} Account Type Credit Card Credit Card Payment Frequency Credit Limit {$300.00} {$300.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am submitting this complaint to report an unauthorized hard credit inquiry performed by XXXX XXXX XXXX. 
On XXXX, I communicated by phone with a sales representative at XXXX XXXX XXXX, XXXX XXXX . I was not physically present at the dealership at any time. During this phone conversation, I specifically asked what type of credit inquiry would be conducted. XXXX XXXX explicitly stated that only a soft credit pull would be performed and that it would not impact my credit score.

Based on this representation, I provided my information. However, I later discovered that XXXX XXXX XXXX conducted a hard credit inquiry without my consent. This hard inquiry negatively affected my credit.

At no point did I authorize a hard credit pull, either verbally or in writing. I was not provided with any disclosure, authorization form, or notice indicating that a hard inquiry would be performed. I also have written documentation confirming that I was told a soft pull would be used, which directly contradicts the action taken by the dealership.

Performing a hard credit inquiry without authorization, particularly after explicitly representing that only a soft inquiry would be conducted, is deceptive and unfair. I am requesting that the investigate this matter and take appropriate action.

I am also seeking corrective relief, including the removal of the unauthorized hard inquiry from my credit report.

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
b'My Robinhood account was accessed without my authorization after my phone and ID were stolen. My XXXX  direct deposit was used to place trades that I did not authorize. I reported the incident immediately, submitted ID and selfie verification, but Robinhood denied reimbursement twice.XXXX am requesting a formal review of my case by senior fraud compliance or supervisory team.\nDespite my cooperation, Robinhood has refused to restore my losses, and I am seeking regulatory assistance to ensure my case is escalated and reviewed properly. My XXXX XXXX  deposit amount was XXXX which was used by the thief who stole my information . Robinhood refuses to refund me even thought I am serving in this happen with no fault of my own . Is their security that was breach . \n\nMy name is XXXX XXXX XXXX XXXX XXXXRobinhood email : XXXXPhone : XXXX XXXX XXXXSocial Last XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
XXXX and XXXX sold me XXXX XXXX  prepaid gift cards and after.purchase XXXX where missing and they told me they would replace the XXXX missing on XX/XX/year> it would take XXXX to XXXX hrs to process since then I have contacted XXXX no response after filing report have done XXXX plus emails to XXXX and called them as well they canceled all my cards and kept my money I gave them all the information and the XXXX cards that where missing info and they keep lying and tell me over and over again they made a mistake but won't give me my money back.So they took my money and kept the cards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report. My name is XXXX XXXX, and I am requesting that the following item ( s ) be investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Key Facts and Timeline : On XX/XX/XXXX, I booked an interstate move from XXXX to XXXX XXXX, CA, explicitly stating a valid Certificate of Insurance ( COI ) naming specific insured parties was required by my building management for access/permission. This was a material condition for services. 
Scheduled move : XX/XX/XXXX. 
XXXX sent incorrect/incomplete insurance docs on XX/XX/XXXX and XX/XX/XXXX ( missing required names ). I requested corrections multiple times via email/calls ( to office and contracted mover XXXX ), but they stopped responding. 
On XX/XX/XXXX, due to no valid COI, movers couldn't access the building. I canceled and hired another company at extra cost. 
XXXX : No full written contract with cancellation/refund terms was provided. 
I asked XXXX to apply the {$920.00} toward a local CA move or refund itthey refused both. 
Capital One Dispute : I disputed timely as services not delivered due to merchant 's failure on essential precondition ( COI ). 
Capital One denied in XX/XX/XXXX, citing no explicit contract language on cancellation/refund for no COI. 
This denial violates Reg Z 1026.13 ( a ) ( 3 ) ( billing error for services " not delivered as agreed '' or failure of consideration ). No " magic words '' required in contractfocus is on merchant non-performance of key term. Capital One 's investigation was inadequate. 
XXXX Requested : Reverse denial, credit/refund full {$920.00} + fees/interest.Attachments : Emails ( XXXX showing COI demands/issues ), insurance docs ( XXXX ), charge proof, Capital One denial, booking confirmation.This was services not rendered due to merchant breach of agreed condition. Please require Capital One to reopen and resolve properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XXXX SYNCH is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX SYNCH is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am a XXXXXXXX XXXX, with no job due to discrimination of my large size. I had a XXXX XXXXXXXX on XX/XX/2026 and my grandfather was going to help me out with some cost of living expenses and some money to help pay back for the procedure, a check of {$5100.00}. He is an XXXX man, and made a mistake on the check, and although his bank, XXXX XXXX accepted the check as legitimate and I SAW my grandfather write and sign the check, Chase deemed it fraudulent YET it says the check has been cashed? I am now being treated like a criminal. My accounts have been closed, I can not access my debit card, I can not access my tax information and most importantly, I have no way to pay for anything now. I am terrified that I may be never be able to open a bank account again ANYWHERE because of this false report from Chase. Please help, I am recovering from XXXX, I am a XXXX XXXX taking care of my XXXX mother. This is not fair and I would hate to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: Block, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding XXXX  XXXX, XXXX for continuing to bill me for a time-based service that was never delivered, despite clear evidence of non-delivery and merchant abandonment. 

XXXX of events : - XX/XX/XXXX : I was solicited via XXXX by the merchant and provided a sales link for a XXXX XXXX mentorship, which explicitly included weekly calls and ongoing mentorship support. 
- XX/XX/XXXX : I purchased the mentorship through the merchants XXXX store using XXXX ( total amount approximately {$1400.00} ). 
- XXXX  XXXX, XXXX  : I repeatedly followed up with the merchant requesting onboarding materials and next steps. The merchant cited delays ( illness, email issues ) and stated materials were sent, but no mentorship sessions were scheduled. 
- XX/XX/XXXX : I completed the required onboarding questionnaire in good faith. 
- After XX/XX/XXXX : Despite multiple follow-ups, no mentorship calls, sessions, or coaching services were ever scheduled or delivered. 
- XX/XX/XXXX : The merchant ceased responding entirely. The merchants XXXX account is no longer active, and the XXXX store through which the mentorship was sold is no longer accessible, indicating merchant abandonment. 

Nature of the issue : The merchant only provided an onboarding questionnaire, which is a preparatory step and does not constitute fulfillment of a XXXX mentorship contract. The core service weekly XXXX calls and ongoing mentorship never commenced. No reasonable consumer would consider a time-based mentorship delivered without a single session. 

I submitted documentation to XXXX demonstrating : - The service promised - Completion of onboarding requirements- Repeated follow-ups requesting service delivery - The absence of any mentorship sessions- Merchant abandonment and inability to deliver future services Despite this, Afterpay denied my dispute on the basis that onboarding materials were sent and continues to hold me financially responsible for a service that was never rendered. 

Requested resolution : I respectfully request CFPB assistance in requiring XXXX to reverse the charges associated with this transaction and cease further billing for this non-delivered service. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AR

Complaint narrative:
Jefferson Capital systems XXXX This company keeps reporting a debt of XXXX $ To my credit report. This has been goin on for XXXX years and the company keeps illegally reporting it even when I have had it removed from my credit multiple times. I have no idea why this debt is here and it keeps impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: MD

Complaint narrative:
this collections agency failed to provide me with debt validations letter and Under 15 U.S. Code 1692g, debt collectors are required to send a letter within five days of their initial communication. This letter must include : The amount of the debt owed. The name of the creditor to whom the debt is owed. A statement that if the consumer disputes the debt within thirty days, collection efforts will cease until the debt is validated so they violated my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting a formal complaint regarding a prolonged and unresolved issue with my Chase account, as well as the handling of this matter by Chase customer support.

Over the course of approximately five hours, I was transferred between sixteen different representatives across multiple departments. During this time, I received inconsistent and incorrect information, with no single representative taking ownership of the issue or providing a clear path to resolution. 

The problem originated from a technical error on Chases side, which prevented proper access and resolution. Despite repeated explanations of the situation including the urgency of my role as a caregiver and the need for timely access to my account the issue remained unresolved by the end of these interactions. 

At no point was a case owner assigned, no follow-up timeline was provided, and no meaningful resolution was achieved. This experience reflects a serious breakdown in customer service, internal communication, and accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: MD

Complaint narrative:
In XX/XX/year> I authorized an auto loan, but I never received the vehicle or any loan funds. The dealer and broker disappeared, and the dealership location was abandoned. I contacted XXXX XXXX to request original loan documents, bill of sale, proof of disbursement, and validation of the debt, but they did not provide any of the requested information. Despite this, the loan was charged off and reported on my credit report, and money has been taken from my account without resolution. I am formally disputing this account as inaccurate, incomplete, and not reflecting a valid transaction, and request that the credit bureau investigate and correct or remove it from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
am filing a complaint regarding improper handling of my mortgage payments and inaccurate credit reporting. 

I have an established payment history of making weekly mortgage payments, typically {$350.00} per week, which results in overpayment of my monthly mortgage obligation of approximately {$1200.00}. 

In early XX/XX/year>, one payment attempt was returned due to insufficient funds. Had I been clearly notified that my payment method would be restricted or that payments were being rejected, I would have immediately transferred funds from another account to cure the issue. 

After that point, I continued sending weekly payments in good faith. Two subsequent checks totaling approximately {$700.00} were accepted and placed into a suspense account. I was not informed that funds were being held in suspense, that checks were no longer being accepted, or that delinquency was accruing. 

Additional weekly payments were returned, but returns occurred with delay and overlapped with new outgoing payments. Because of this overlap, and because I received no clear notice that my payment method had been revoked or that payments were being rejected, I was unaware in real time that my payments were not being applied. 

I received one vague courtesy call voicemail on XX/XX/year>, which did not state that my account was delinquent, did not indicate that checks were no longer accepted, and did not warn of credit reporting consequences. I received no written notice or follow-up communication. 

I first became aware of any alleged delinquency only after reviewing my credit report, which reflected a 30-day late payment. I immediately contacted the servicer and was informed that checks were no longer being accepted and that my account was reported as 60 days delinquent. 

I dispute the delinquency and the resulting credit reporting. The servicer failed to provide clear notice of a payment method change, failed to notify me that payments were being placed into suspense or rejected, and allowed delinquency to accrue without meaningful communication, despite my ongoing good-faith payment attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I made a {$2500.00} payment on my Apple Card on XXXX XXXX XXXX in good faith and on the due date in my local time zone ( XXXX XXXX ). The payment shows as completed and posted. 
However, Goldman Sachs/Apple Card treated this payment as late due to an EST cutoff time and charged me {$51.00} in interest. This was not a case of non-payment or negligence. The payment was made the same day and only crossed the cutoff due to time zone and processing timing. 
My AutoPay had previously been canceled without my authorization or without clear notice, which contributed to this situation. 
I am disputing this as a billing error and an unfair penalty caused by timing/processing and system issues, not a failure to pay. 
XXXX XXXX requesting : A full reversal of the interest charge Confirmation that my account is considered paid on time Removal or prevention of any negative credit reporting related to this payment I have screenshots showing the payment date/time and the interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
I am disputing a credit card account that was opened fraudulently in my name. I did not open this account, authorize it, or benefit from it. 

I previously notified the company that this account is not mine and requested documentation proving my responsibility. The company responded by stating that the account was verified as accurate, but they did not provide any proof of investigation, no signed agreement, no application, and no evidence that I owe this debt.

This is not a reasonable or lawful investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Continuing to report this account without proof is damaging my credit and is a willful violation of federal law.

I am formally disputing this account as fraudulent and do not acknowledge any responsibility for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital is reporting a collection with incorrect dates and unverifiable information. I have no signed agreement with this company and did not authorize them to collect on this account. They did not follow the FDCPA validation process and have continued furnishing unverified data to the credit bureaus. 
I disputed this account, but no documentation or proof of a legal obligation was provided. This violates my rights under federal law. 
I request that this account be permanently removed from my credit report to stop further damage to my credit standing.

Company response to consumer: Closed with explanation