vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 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:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding a Wells FargoXXXX credit card account that was closed during the XXXXWells Fargo transition in XX/XX/year>. On or around XX/XX/year>, Wells Fargo closed the account after receiving the closure request from XXXX. The communication I received stated that, unless the full balance was transferred to the new XXXX XXXX card and the Wells Fargo account had a {$0.00} remaining balance, I would still be required to make payments to Wells Fargo until the balance was paid off. The problem arose from a rent payment/check issued through the XXXX/Wells Fargo process . The rent check was issued for my landlord to cash, but the landlord did not cash it. Because this occurred during the XXXXWells Fargo transition, I did not understand that I was expected to deposit or recover the uncashed rent check funds and then separately pay Wells Fargo directly XXXX The payment flow and servicing instructions were confusing and unclear during the transition. As a result, Wells Fargo treated the account as delinquent and reported a late payment of more than 60 days to the credit bureaus, which significantly damaged my XXXX score. This was not a normal missed payment situation or an unwillingness to pay. The issue was caused by the XXXX/Wells Fargo account transition, the uncashed rent check, and unclear payment instructions. I contacted Wells Fargo customer service multiple times to resolve this. Wells Fargo partially waived some fees, including an {$80.00} late fee, a {$29.00} late fee, and some interest charges. However, Wells Fargo refused to waive all remaining charges and, more importantly, refused to correct or remove the negative late-payment reporting from XXXX XXXX XXXX XXXX Wells Fargos written response stated that interest charges of {$77.00}, {$88.00}, and {$88.00} were applied to the XXXX, XXXX, and XX/XX/year> statements because payment was not received for the entire statement balance by the due date. Wells Fargo also stated that it did not find a bank error. However, this response does not address the core issue : the delinquency resulted from a transition-related servicing problem involving the XXXX/Wells Fargo account closure and the uncashed rent check. Fee waivers alone do not fix the main harm. The primary harm is the derogatory credit reporting, which has materially damaged my credit score.

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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2026, Capital One Auto Finance dated and sent a written settlement offer. I received and opened the letter on XX/XX/2026. The offer stated a deadline of XX/XX/2026 to call and accept. On XX/XX/2026 I called the number on the letter before the deadline to accept the offer. The representative told me that Capital One would not honor it. I was offered different, less favorable terms instead, at which point I asked for and spoke with a supervisor, who also refused to honor the written offer. I also sent a written acceptance letter to Capital One Auto Finance on XX/XX/2026 formally accepting the offer within the stated deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GF SunStrong Management Holdings, LLC
State: MD

Complaint narrative:
There was misleading from the beginning. A check was never received and what was promised by the solar company as far as low XXXX payments is not true. Company sold our contract to someone else without even considering telling us. Spoke with them on multiple occasions once pricing was increased to just give info and only got backlash. I requested clear information regarding the ownership and servicing of my solar loan account after it was transferred from Sunnova to SunStrong Management. Specifically, I asked for written confirmation of who currently owns or services my loan, along with documentation of the servicing transfer. I also requested a full payment history and account ledger showing all payments made, how payments have been applied ( principal vs interest ), and my current outstanding balance. In addition, I requested a current payoff statement showing the exact amount required to satisfy the loan in full, as well as a copy of my original loan agreement and any assignment or transfer documents related to the account. Despite these requests, I have not received clear, complete, or consistent information regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am a victim of identity theft and am disputing a Truist Bank account that was opened in my name without my knowledge, authorization, or consent. I filed a police report and provided it to Truist as evidence of fraud. Despite my identity theft claim and supporting documentation, Truist continues to verify the account as accurate and has furnished information regarding the account to XXXX XXXX XXXX. As a result, XXXX XXXX has refused to remove the account from my consumer file. Truist has not provided sufficient evidence proving that I opened or authorized this account. I have requested the account-opening documents, signature card, identification used to open the account, and the records relied upon during its investigation, but the account continues to be reported as mine. I am requesting that Truist conduct a thorough reinvestigation, provide all evidence supporting its determination, and correct or remove any inaccurate information resulting from identity theft.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint against PayPal for failing to honor their Buyer Protection policy regarding a clear e-commerce scam. I purchased an item on XXXX using PayPal. The seller committed " Significantly Not as Described '' fraud by sending incorrect items ( triangle batteries ) instead of what was ordered.When I requested a return, the seller sent a fraudulent, counterfeit shipping label through the XXXX messaging system. This is a known " Fake Return Label Scam '' designed to trick automated tracking networks while ensuring the buyer can not safely return the item.I opened a dispute with PayPal and provided evidence of this fraud. PayPal closed the case in favor of the seller, completely ignoring the counterfeit shipping documents provided by the merchant. PayPal 's automated dispute system failed to protect me against documented seller fraud. I am requesting a full refund as guaranteed under PayPal 's Buyer Protection terms. The merchant 'XXXX ' engages in fraudulent and deceptive business practices. They falsify their location by claiming to be a 'US seller ' in their text description, while their official XXXX registration location is XXXX XXXX Furthermore, they advertise '30 days free return ' but refuse to provide legitimate return labels, instead sending counterfeit shipping documents via private messages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ID

Complaint narrative:
Once again, I applied a larger monthly payment than what was due. Mohela advanced my due date, and it is showing that I owe {$0.00} this month despite selecting to have my next month 's payment. I am getting very frustrated with the company. I paid {$500.00} on XX/XX/XXXX, with my payment for the month of XXXX due on XX/XX/XXXX. As of XXXX, it is showing as " no payment due '' when I should have a bill for {$250.00} on my account. When I tried to call the company today to discuss, they hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: FL

Complaint narrative:
Dear Debt Collectors This letter serves as a formal demand that you immediately cease and desist from the following conduct : [ Describe the behavior in detail, including dates, incidents, communications, harassment, threats, false statements, unwanted contact, etc. ] Your actions have caused distress and are unwelcome. I request that you immediately stop and refrain from any further conduct of this nature, including but not limited to : * Contacting me by phone, text message, email, social media, or through third parties. * Harassing, threatening, intimidating, or stalking me. * Making false or defamatory statements about me. * Any other conduct that interferes with my peace, privacy, or well-being. If this conduct continues after receipt of this letter, I reserve the right to pursue all available legal remedies, including seeking a protective order, filing complaints with the appropriate authorities, and pursuing civil action as permitted by law. This letter is sent without waiver of any legal rights or remedies available to me. Please govern yourself accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and request validation of the account, including documentation supporting the amount claimed and proof of your authority to collect. Additionally, pursuant to 15 U.S.C. 1681s-2, I dispute the accuracy and completeness of any information furnished regarding this account. I request a reasonable investigation and correction or deletion of any information that can not be verified. This letter is not an acknowledgment of liability and should not be construed as a promise to pay.

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 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint regarding Capital One 's reporting of a charged-off account ( Capital One/Walmart, account XXXX ) and its failure to conduct a meaningful investigation in response to my consumer disputes. This account shows : ( 1 ) a highest balance of {$690.00} exceeding the stated credit limit of {$500.00} by {$190.00} with no explanation ; ( 2 ) a charge-off status with a rolling " as of '' date updated monthly through XXXX, misrepresenting a single XX/XX/XXXX charge-off event as ongoing activity, which constitutes re-aging. I disputed this account with XXXX in writing via certified mail ( received XX/XX/XXXX ), demanding the signed cardholder agreement, monthly statements, and a breakdown of the excess balance. Capital One certified to XXXX that the information was accurate without producing the requested documentation. On XX/XX/XXXX, one day after receipt, XXXX notified me : " The account with XXXX that starts with XXXX has not been changed and will remain on your credit report. '' Capital One 's verification without reviewing actual documentation violates FCRA Section 623 ( b ). I request deletion of this tradeline from all credit bureau reports, or documentation establishing the accuracy of every reported figure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I believe this began in XX/XX/XXXX. I can not tell for certain because I have been blocked from access to my Capital One online account since before this date. First I wasn't able to log in to make my payments monthly, so I would call it in. Then in XXXX they claimed there had been fraud activity on my account so they put a block on it. Yet no one to this day can tell me what fraud activity has taken place. I have not been able to use this credit card for months, but I still make the payments. But I have to have a very frustrating conversation every time I call to do this and they make it difficult. When I call them, they will not tell me what fraud activity there has been. They are requesting I send them a photo of myself and a copy of my drivers license. I refuse this because it violates my privacy. And I do not consent to giving away my most private documentation and photographs to a credit card company who can not assure me it will never be compromised. I even spoke with supervisors and they will not tell me why there is a block. They tell me I must send them the documents and there is no other solution. I believe that is coercion. Last night, XXXXXX/XX/XXXX, I tried to make my payment and it was the most frustrating conversation. They claimed not to have my checking account information on file. Which is a lie. Every time I call to make the payment they deny having access to my information until I challenge them and say yes you do and some agents mess up and give away the fact that they do have access. So I know they do have access. I am tired of giving away my private information to this company. I was unsuccessful last night in making my payment. They claimed there wasn't a supervisor on duty and for me to call the next day. Therefore now my payment will be late. I am sure they will not hesitate to give me a late fee even though this account is blocked. I know there are lawsuits against Capital One for sharing consumers information with XXXX, XXXX and XXXX without their consent. I know they are recording my calls and probably selling that information. This is so wrong on so many levels. People have rights, I did not consent to any of this when I signed up for this credit card many years ago. This is coercion, this violates the rights of the people. My information is personal and private. At this point I am done calling Capital One. I am now reaching out to you for assistance. I need to know who out there is protecting the people and not the corporations. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I am a public service employee pursuing Public Service Loan Forgiveness ( PSLF ) with 83 qualifying payments out of 120. My loan servicer is XXXXMOHELA . I submitted an IDR plan request on XX/XX/XXXX which remains in review. Without notice my monthly payment increased from {$240.00}. Loans XXXX XXXX Consolidated Subsidized and XXXXXXXX XXXX Consolidated Unsubsidized are now showing past due as of XX/XX/XXXX despite my making consistent payments of {$240.00} in XXXX, {$240.00} in XXXX, and {$140.00} in XXXX. These past due notices are threatening my PSLF qualifying payment count. I also have an active Borrower Defense case for XXXX XXXX which closed due to fraud and low graduation rates, last updated XX/XX/XXXX with no resolution. When I call MOHELA I am placed on extended hold and then disconnected. When I called the FSA Ombudsman on XX/XX/XXXX I reached a voicemail and was disconnected. I sent secure messages to MOHELA on XX/XX/XXXX but have received no response. I have filed FSA complaint case number XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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