vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: MO

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this rebuttal in response to Global Lendings recent claim that the disputed debt and payment history on my account are valid and accurately reported. Their response is false, misleading, and contradicted by documented evidence in my possession. 

Global Lending stated that their reporting is accurate ; however, this assertion is demonstrably untrue for the following reasons : 1. My vehicle was repossessed twice due to reporting and account errors. In both instances, I paid the required reinstatement fees and resumed regular monthly payments. 
2. The late payments currently appearing on my credit report do not reflect my actual payment history. 
3. These repossessions were never properly reported to the credit bureaus at the time they occurred. 
4. I possess proof of payment, reinstatement receipts, and bank statements showing that my account was brought current. 
5. Global Lending failed to conduct a reasonable investigation of my dispute and instead provided inaccurate information to a federal agency. 

Despite being notified of these inaccuracies, Global Lending continues to furnish false credit information to XXXX XXXX XXXX XXXX, which has caused me financial harm including denial of credit and damage to my credit profile. 

This conduct constitutes violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and potentially other federal and state consumer protection laws. Providing false or misleading information to the CFPB is also a serious matter. 

I respectfully request that the CFPB : 1. Require Global Lending to conduct a proper and lawful reinvestigation of my dispute. 
2. Require Global Lending to correct or delete all inaccurate and derogatory information related to this account. 
3. Review Global Lendings response for misrepresentation and noncompliance with federal law. 
4. Maintain this rebuttal and supporting documentation as part of the official complaint record. 

I am attaching documentation that proves the inaccuracies in Global Lendings reporting, including payment records and reinstatement receipts. 

Thank you for your attention to this matter. I respectfully request continued oversight and enforcement action as appropriate. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To whom this may concern, This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and 1692g. 
I dispute the validity of the alleged debt referenced below and hereby request full validation of this debt. Please provide documentation showing that I am legally obligated to pay, including but not limited to the original creditor, the amount owed, and proof of your authority to collect this debt. 
Additionally, I hereby demand that you cease and desist from all communication with me regarding this alleged debt. This includes, but is not limited to, phone calls, text messages, emails, letters, and contact with third parties. 
You are permitted to contact me only to provide the requested validation of the debt or to notify me of any specific legal action you intend to take. 
Any further communication outside of these exceptions will be documented as a violation of the Fair Debt Collection Practices Act. 
This letter is not an acknowledgment of the debt nor an admission of liability. I reserve all rights under federal and state law. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXX XXXX XXXX PORTFOLIO RECOV ASSOC Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I have attempted to look at my chexsystem. I am unable to get access to the report. There are many fradulent thing written on report that is creating financial hardship. They were suppose to send my report in the mail and have not seen the report its been a three weeks.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
these fraudulent accounts must be blocked and permanently removed, can not be reinserted, and I must receive written confirmation of their deletion within XXXX ( XXXX ) business XXXX am a confirmed victim of identity theft and have attached my official FTC Identity Theft Report ( Report Number XXXX ) under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2. 

The following accounts were opened without my knowledge or permission and are listed as fraudulent in my FTC report : XXXX XXXX XXXX Account ending XXXX Balance {$870.00} Fraud began XX/XX/year> XXXX XXXX XXXX XXXX Account ending XXXX Even after disputing these items, they are still showing on my Experian credit report and are preventing me from being approved for credit. 

Under federal law, these fraudulent accounts must be blocked and permanently removed, can not be reinserted, and I must receive written confirmation of their deletion within XXXX ( XXXX ) business days.ays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account from XXXX sold debt to Jefferson Capital Systems LLC of XXXX $ and it now shows as opened XXXX XXXX when this debt is from XXXX. They continue to harrass me with letters and sell debt to other collectors marking debt as opened recently. This is illegal and should not be done. This is causing my credit to continuously decrease after working very hard to increase it. Continuous letters and harassment from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I am a former tenant of XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX. I lived at the property from XX/XX/XXXX to XX/XX/XXXX. I paid all rent as billed through the official resident portal, provided proper notice, completed a pre move-out inspection, and my account was paid in full and closed at move-out. 

In XX/XX/XXXX, I was contacted by a third-party collection agency regarding an alleged {$1000.00} balance that I had never been notified of. I went to the apartment management office in person to verify the matter, but staff were unable to explain the charge and advised me to follow up by email. 

Through subsequent email communications, apartment management admitted in writing that the balance arose from an internal accounting error in which a check belonging to another resident was mistakenly applied to my account in XX/XX/XXXX. I did not issue, authorize, or benefit from that payment. 

Despite this, the apartment did not immediately recall the account from collections. The collection agency reported the debt to the credit bureaus. In XX/XX/XXXX, I disputed the debt with the collection agency and all three credit bureaus. As a result, the credit reporting related to this debt was removed. 

In XX/XX/XXXX, the collection agency again contacted me, asserting that the debt was valid and adding interest, despite the prior dispute and removal from my credit reports. After I contacted apartment management again, they stated they had cancelled the collections claim and began demanding payment directly from me. 

The apartment is now repeatedly threatening to re-send the disputed balance to a third-party collections agency if payment is not made, despite their prior written admission that the charge resulted from their own accounting error and despite my account having been closed with a XXXX balance since XX/XX/XXXX. 

I formally dispute that any balance is owed. I believe these actions constitute improper and unfair attempts to collect a disputed debt arising from the companys internal error, lack of timely notice, and repeated escalation after dispute. I am requesting that collection activity cease and that my account be confirmed as closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
In correct Information provided never went to the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA failed to inform me of charges being disputed on my account. I was scammed into sending money through XXXX XXXX. I received a phone call then immediately hung up and called the number for customer service found on the USAA app and verified the legitimacy of the original call. Money was moved. The bank account has the same balance when the night ended. The next day I received a call from the same guy, he said money needed to be moved so we went in and moved it through XXXX XXXX. I was completely fooled by people who sounded extremely professional and I hung up and called the number listed on the USAA website 4 times and still continued to get these scammers. My husband contacted USAA to let them know and try to catch some of the issues. They have handled the disputed charges by adjusting the bank account balance to reflect the bills having gone out. However, they are not showing to be willing to cover the balance that was lost with the transactions. I was totally scammed by people calling from USAA customer service number and I even hung up and called the number found on their app separately and still received the same people. This was a MISTAKE. No money was sent intentionally. Now we are being told that we potentially owe the bank the amount because it was sent from provisional funds.

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 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy and validity of a collection account reported on my credit file related to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, CA XXXX by Kimball , Tirey & St. John LLP This debt is fraudulent, unverified, and inaccurate and must be investigated under the Fair Credit Reporting Act ( FCRA ). 

Grounds for Dispute : Charges are for normal wear and tear, including painting, regular cleaning and other no basis charges after only a 7-month tenancy. Apartment complex and management company issued fraudulent charges for normal wear and tear, inflated cleaning fees, and fake repair claims without documentation. They failed to provide notice, used incorrect address, falsely claimed mail forwarding, and sent the account directly to collections without proper validation or due process. Evidence exists including video recordings.

No pre-move inspection notices were provided No opportunity to cure or fix any alleged issues Improper notice and improper service Communications were sent to an incorrect address Account was sent directly to collections without validation Evidence exists ( video documentation and inspection history ) This account is being reported without lawful verification and without proper documentation, which constitutes inaccurate reporting under the FCRA.

Formal Request : I request the following under my rights pursuant to the Fair Credit Reporting Act : Full investigation of this account Verification from the original creditor with documented proof Removal of this account if verification can not be properly produced Correction of any inaccurate information Written confirmation of the investigation outcome If this account can not be fully verified with proper documentation, it must be deleted from my credit file.

This letter does not constitute acknowledgment of any debt. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: DISCOVER BANK
State: CA

Complaint narrative:
Amount : {$2600.00} Complaint Description I am filing a complaint regarding Discovers handling of a billing dispute involving XXXX. 

I booked a long-term XXXX reservation and checked in as scheduled. I stayed only XXXX nights because XXXX Customer Support instructed me via in-app chat to check out early due to issues with the stay. I relied on XXXX guidance and vacated the property as directed. 

During this process, XXXX initially discussed resolution options related to the early checkout. After I followed XXXX instructions and left the property, XXXX refused to honor the original resolution discussed. XXXX later offered up to {$1000.00} in compensation citing employee misinformation, but still retained payment for the unused portion of the reservation and did not provide a fair refund for the stay I was instructed not to complete. 

I submitted chat evidence to Discover showing that : The checkout was support-directed, not voluntary XXXX  acknowledged employee misinformation XXXX offered compensation after reversing its original position Despite this evidence, Discover denied my dispute based solely on XXXX  cancellation policy and accepted the merchants rebuttal, which omitted the fact that XXXX instructed me to leave, changed its resolution position, and acknowledged employee misinformation. 

Retaining payment for lodging I was instructed not to use, while failing to honor a support-issued resolution, constitutes merchant misrepresentation and services not provided as agreed. Discover did not properly consider these material facts when denying my dispute. 

I am requesting that Discover reopen and properly review this dispute, taking into account the documented support-directed checkout, XXXX reversal of its resolution, and its acknowledgment of employee misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint regarding Capital One and its Capital One XXXX application for repeatedly failing to honor advertised offers and web bonus incentives, and for denying my claims without adequate investigation or justification. 

On multiple occasions, I made purchases through the Capital One XXXX app or browser extension after activating specific offers and bonuses that clearly stated I would receive cash back or rewards for qualifying purchases. I followed all stated terms and conditions, used eligible merchants, and completed transactions within the required time frames. 

Despite meeting all requirements, Capital One has repeatedly failed to credit the promised rewards. On XX/XX/XXXX, I placed an order in XXXX XXXX using the web bonus link on the Capital One Shopping app. The web bonus was get {$90.00} after spending {$150.00}. I meticulously followed the instructions and confirmed back in my shopping trips that my web bonuses was reflected. After a few days of not seeing any update with the cask back, I reached out to the Capital One representative, who asked me to wait for XXXX  days. This was alarming to me because in XXXXXXXX XXXX XXXX XXXX  I had reached out to customer care regarding failure to deliver a XXXX  % off on my XXXX purchase that was registered on my account but wasnt delivered as well. In that case, I was asked to wait for 45 days. After I reached back after XXXX, I was informed that my payment wasnt registered and even though I showed supporting documents, my claims were denied with vague, generic explanations. 


This pattern or behaviors suggests misleading or deceptive practices, where consumers are induced to make purchases based on promised incentives that Capital One doesnt intend to fulfill. The repeated denial of valid claims combined with the lack of transparency has resulted in financial harm and wasted time. 

I have included screenshots of the activated offers, purchase information with dates and my correspondence with Capital One XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: TX

Complaint narrative:
I canceled my Self XXXX Credit Card on XX/XX/XXXX and was explicitly told my secured deposit would be returned within XXXX business days. 

After multiple follow-ups, I am now being told the refund may take up to XXXX  days, which directly contradicts the timeline I was given. 

There are no pending transactions, disputes, or balances on the account. 
This appears to be an unnecessary withholding of my funds. 

I am requesting immediate release of my secured deposit and written confirmation of the payout date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: EGL US, LLC
State: TX

Complaint narrative:
Please see email below which I sent to BMG on XX/XX/XXXX. 

" Dear BMG Money , Inc., This email is a formal demand for the resolution of an outstanding refund owed to me due to continued allotment deductions after my loan was paid in full. 

I initially reported this error in XX/XX/XXXX. In XXXX, I received correspondence stating that a supervisor would follow up on my case and that, once approved, my refund would be issued

via ACH within 35 business days.

To date, these commitments have not been met. I have not b
een contacted by a supervisor, I have received no confirmation of approval, and the refund has not been issued. This matter has remained unresolved for several months. The total amount owed is over {$2800.00}. 

I request immediate written confirmation of the following : - The exact refund amount owed. 
- The current status of my request. 
- A specific date by which the refund will be issued. 

I look forward to your timely response. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal denied my dispute as a valid purchase without addressing whether services were performed correctly. An independent licensed XXXX contractors confirmed the installation was defective and not code-compliant. The denial failed to evaluate service quality or expert evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Hello, I am writing to formally appeal the permanent closure of my XXXX  account and request an immediate compliance review. 

My XXXX  account was affected by unauthorized fraudulent transactions originating from a gaming application that charged hundreds of dollars through XXXX  from my linked bank account. These transactions were not authorized by me. As soon as I became aware of the activity, I made repeated attempts to stop the charges and worked closely with both XXXX  and my bank over an extended back-and-forth process. 

After investigation, my bank confirmed the transactions were fraudulent and reimbursed the funds, validating that my card information had been compromised and that I was not responsible for this activity. 

Despite this : XXXX  froze my account and my childrens accounts I was accused of activity I did not engage in After disputing this, my account was briefly unfrozen The following day, my account was permanently closed without explanation I have been unable to speak with anyone or receive assistance since XXXX  has been my primary platform for daily money transfers, including transferring funds to my children, as well as managing multiple business-related transactions. I have been a loyal XXXX  customer for several years, and this closure has caused significant disruption to both my family and business operations. 

I respectfully request : 1. A formal compliance review of my account 2. Written clarification of the alleged violation 3. Reconsideration of the permanent closure based on confirmed fraud 4. Restoration of my account or, at minimum, guidance on recovery of access and funds I cooperated fully, acted in good faith, and followed proper procedures when my account information was compromised. I should not be penalized for being the victim of fraud. 

I am happy to provide any documentation needed, including bank dispute records, identity verification, or transaction history. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number : XXXX Thank you for your time and consideration. I respectfully ask that this matter be reviewed by a senior compliance specialist. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief