vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
The dealership misrepresented the {$32000.00} out-the-door price ( signed worksheet shows {$31000.00} total purchase ). They misapplied the {$5000.00} down payment ( used only {$2500.00} in calculations, keeping the extra {$2500.00} without crediting the loan ), this was applied to a GM XXXX suggested at the dealership. Added/activated XXXX without consent after declination ; other optional products ( XXXX {$120.00}, XXXX {$660.00}, Maintenance {$410.00} ) added without consent. Contract finances {$31000.00} instead of agreed ~ {$27000.00}. Dealer refuses correction. Violates consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ] [ XXXX IL XXXX ] [ XXXX ] [ XX/XX/year> ] WAYPOINT RESOURCE GR XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Cease and Desist Request for Debt Collection Efforts Dear WAYPOINT RESOURCE GR I am writing to formally request that you cease all communication and further debt collection efforts regarding the alleged debt referenced in your previous correspondence. I understand that you claim I owe a debt, but I dispute this claim and request that you immediately stop contacting me regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you cease all collection activities. Therefore, I am exercising that right by requesting the following : 1.Cease all telephone calls, letters, emails, or other communications regarding the alleged debt. 2.Provide verification of the debt, including a detailed statement outlining the original creditor, the amount owed, and any supporting documentation to confirm that the debt is valid. If you continue to pursue this matter without providing the requested verification, or if you do not comply with this cease and desist request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies, including state regulators, and take any other legal actions available to me. Please note that this letter is a formal request under the FDCPA, and I expect compliance with my request immediately. Any further contact or collection efforts without verification will be considered a violation of my rights under th HT e law. Thank you for your immediate attention to this matter. Sincerely, [ XXXX XXXX XXXX XXXX

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 2026-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting the second complaint regarding an unresolved issue with my credit card account at Capital One. I explained multiple times to supervisor XXXX ( XXXX ) that my bank, XXXX XXXX, is an online savings bank. Because of this, they do not issue voided checks or deposit slips, and their bank statements do not display full account numbers for security reasons. I was very disappointed that this basic fact about online savings accounts was not understood and that no reasonable alternative verification method was offered. Additionally, I am also confused why I was later asked to provide information about a second account, because during my first request Capital One representatives only discussed the account that was flagged for the {$240.00} payment ( XXXX XXXX, sav acc )? This requirement was not mentioned during my first request. To fully cooperate, I still provided : Bank statements for both accounts A screenshot from my mobile banking app displaying my full account number An official bank verification letter confirming my ownership of the account Despite my full cooperation, my account has remained restricted for over one month and the issue remains unresolved. This restriction has caused significant inconvenience, including limited access to my credit account and time spent attempting to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: WV

Complaint narrative:
This debt was originally from XXXX XXXX. This was settled and paid in full through XXXX XXXX on XXXX XX/XX/year>. And yesterday Waypoint Resource GR placed a collection account on my credit for the XXXX that was already paid to XXXX XXXX.

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 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I originally took out a car loan with Santander. I then refinanced with XXXX around XXXX. Im about to pay off my loan but XXXX let me know they never received the title from Santander or a title release letter. I called Santander and they initially said they would send an electronic transfer, but Illinois XXXX does not accept that. They then said theyd sent a letter through email to me and they never sent it. At this point I called XXXX again to ask for help and XXXX l asked me to call Santander and ask Santander to just mail everything to XXXX. I called Santander and they said they did that already and did it years ago and couldnt do anything now. I called XXXX and they said Santander has options to resend everything. Ive called my XXXX and they said it has to be resolved by the two lenders. XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Validation of Debt Request - SPRING OAKS CAPITAL LL - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Dept of education / Neln Date XXXX XXXX, XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct : XXXX Dept of education? Neln Date : XXXX XXXX, XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested XXXX XXXX XXXX XXXX Nelnet XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX Re : Cease and Desist Communication Regarding Alleged Debt Account/Reference No. : XXXX To Whom It May Concern : I am writing in response to your communications regarding the alleged debt identified above. This letter is not an admission that I owe this debt, nor is it a waiver of any of my rights under federal or state law. Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me regarding the above-referenced alleged debt, except as permitted by that statute. Under 15 U.S.C. 1692c ( c ), once you receive this written notice, you may only contact me to ( XXXX ) advise that your further collection efforts are being terminated, or ( XXXX ) notify me that you or the creditor may invoke specified remedies, such as initiating a legal action. Any communication beyond these narrow exceptions will be considered a violation of the Fair Debt Collection Practices Act. If you fail to comply with this demand, I will consider all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the appropriate state authorities, as well as pursuing a civil action for statutory damages, actual damages, costs, and attorneys fees as allowed by law. Please also direct any further communication, if legally necessary, only in writing to the mailing address listed above. Do not contact me by telephone at any number, by text message, by email, or through any third party. I expect your full compliance with this notice. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: NC

Complaint narrative:
Validation of Debt Request - F H CANN AND ASSOCIATE/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: PA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a text message from a number claiming to be XXXX XXXX XXXX. They claim there is a debt owed to XXXX XXXX XXXX for services on XX/XX/XXXX. The named creditor, " XXXX XXXX XXXX, '' does not appear to be a legitimate business entity. I have never received any XXXX XXXX from this organization. On the date referenced in the communication, I did receive XXXX XXXX at a different, legitimate healthcare provider. I have since confirmed with both that provider 's billing department and my insurance company that all charges were covered in full and that I have no outstanding balance. On XX/XX/XXXX, I tried to find any information on the alleged " XXXX XXXX XXXX '' and could only find a unverified yelp business page with many reviews reporting the same scam. On XX/XX/XXXX, I called XXXX XXXX XXXX and spoke to an agent who requested my credit card information to pay a debt of {$200.00}. I did not give my credit card info and asked for verification and they refused to verify the debt is valid. The agent on the phone said " I don't know how to prove to you that this is not a scam ''. On XX/XX/XXXX I emailed XXXX to formally dispute the debt and request written verification of the debt, including the name and address of the original creditor and documentation establishing that the debt is valid and legally owed by me. I am requesting that the CFPB investigate XXXX XXXX XXXX for collecting on what appears to be a fraudulent debt and for failing to provide debt verification upon request, in potential violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: 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 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 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: OR

Complaint narrative:
Date : XX/XX/XXXX To : XXXX XXXX Re : XXXXXXXX XXXX XXXX Ref XXXX XXXX BAL : {$1000.00} XXXX XXXX XXXXXXXX EP AUDIT RE : Continued Contact After Cease and Desist Notice of Intent to Pursue Legal Action XXXX XXXX, This letter serves as formal notice that your continued attempts to contact me after receiving a written Cease and Desist demand dated XX/XX/XXXX constitute unlawful and unwanted communication. In that correspondence you were clearly advised of the following : I separated from the company in question. The company has not been operational since XX/XX/XXXX. I am not an owner, operator, XXXX, or responsible party for the company. I have no authority to act on behalf of that business. All further contact directed toward me regarding that company must cease immediately. Despite receiving that notice, you proceeded to continue contacting me in direct violation of that demand. Specifically : XXXX additional emails sent on XX/XX/XXXX XXXX phone calls made on XX/XX/XXXX Additional contact attempts made again on XX/XX/XXXX These actions constitute knowing and repeated unwanted contact. Under XXXX XXXX, a person commits harassment if they intentionally harass or annoy another person through repeated unwanted contact. Continuing communication after a clear demand to cease contact is evidence of intentional harassment. Additionally, Oregon law recognizes civil liability for persistent unwanted contact and interference with personal privacy and peace. Oregon courts have held that repeated unwanted communications after notice to stop may support claims including : Harassment Invasion of privacy Intentional infliction of emotional distress See XXXX XXXX XXXX recognizing civil liability where conduct intentionally intrudes upon anothers protected interests after clear notice. Your continued communications also demonstrate a disregard for a lawful written demand to cease contact with a non-related private individual, which further establishes the willful nature of the conduct. Accordingly, you are hereby placed on final notice of the following : I am not affiliated with the company referenced in your communications. I have no authority or obligation regarding that business or its insurance matters. All future communications regarding that company must be directed to the company itself or its legal representative. You are to immediately cease all communication with me. If any further contact occurs after receipt of this letter, I will pursue all available legal remedies, including filing a civil action seeking : Injunctive relief Monetary damages Attorney fees Any other relief the court deems appropriate All continued communications are being documented and preserved as evidence. This letter serves as a final opportunity to comply voluntarily before legal action is initiated. Govern yourself accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
Product : Prepaid card / Gift card Issue : Funds expired / card balance forfeited after valid thru date ; requesting replacement card / restoration of funds Complaint narrative : I am filing a complaint regarding two gift cards that were never used, but the company is refusing to honor the balances because the cards are past a valid thru date and state that funds are forfeited after the valid thru date. I have two cards : Card 1 : {$250.00} XXXX XXXX 2 : {$150.00} XXXX Total value : {$400.00} These cards were never used for any purchase. I recently attempted to use/check the balances and was informed that the funds are forfeited solely because the cards are past the printed valid thru date. I believe it is unfair and unreasonable for the company to keep my money when no value was redeemed, and I am requesting a resolution that restores the full balances. Cards are unused, no redemption, I am not asking for extra money, just the original stored value. I am requesting an exception and for the company to either : Issue replacement cards with the full unused balances restored ( {$250.00} and {$150.00} ), or Provide another method to restore or refund the full unused balances. I can provide supporting documentation including photos of the cards ( front/back showing the valid thru language ). Dates/ details ( fill in ) : Approx. purchase date : XX/XX/XXXX Card issuer/merchant name : Myprepaidcenter.com Card type : XXXX and XXXX Debit reward card Where purchased : Online What happened when I contacted them : XX/XX/XXXX ; they told me funds were forfeited after the valid through date which on both cards are XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
When we opened this mortgage we were required to pay PMI. We were told at any time we could request a full written appraisal which had also been required prior to closing on the loan. We have made several attempts to make this request since the value of our home has increased. This company fails to allow us to have a full written appraisal and will only allow a hybrid appraisal. We have spoken to several professionals who have advised a hybrid will not give the full value of the home and in our situation, we are in a unique position since we live lake front. The hybrid was completed by a person who was not licensed to perform appraisals in our state, New Jersey. The hybrid value came in significantly lower than it should have because it wasnt the proper appraisal and didnt account for all the details that a full written appraisal would have. We are being penalized and required to continue to pay PMI which results in wasting over $ XXXX per year. We even had a licensed appraiser advise this company that for our home, a hybrid was unacceptable and inappropriate but they still wouldnt budge. We are unable to complete a private full written appraisal because they will not honor it.

Company response to consumer: Closed with explanation