vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
b'Complaint:\nI am submitting this complaint regarding the handling and closure of my Mastercard dispute with Capital One.\nAt the time Capital One requested additional documentation, I was out of the country. I uploaded the requested documents as soon as I was able. I was later informed that some documents were considered not legible. However:\nI did not understand where to go to view official dispute letters or notices\nI was not given guidance on what type of documents I could provide or the time required to submit them, despite calling multiple times to request assistance. I called for a reason Help from capital one. \nOn one call, a Capital One representative told me that once I submitted the documents, my dispute would be reopened. I relied on this information in good faith; however, this did not happen, and my dispute remained closed. This misinformation contributed to my financial loss of XXXX XXXXontacted Capital One multiple times by phone seeking guidance on what I needed to do, but I did not receive clear verbal instructions regarding deadlines or acceptable documentation. Despite repeated calls, I did not receive the assistance, guidance, or consumer protection I reasonably expected.\nDue to the inconsistent, unclear, and incorrect information provided, I am requesting the following from the CFPBs review:\nA full investigation into the handling of my dispute by Capital One\nCopies of the documents Capital One claims were not legible and an explanation of why they were deemed unreadable\nA review of all recorded phone calls between myself and Capital One representatives\nWritten clarification as to why I am now being told I cannot dispute this charge, despite the dispute being opened on XXXX  XXXX XXXXReconsideration and reopening of my dispute for a full manual review under Mastercard dispute procedures\nImmediate credit of XXXX to my account, as Capital Ones failure to provide proper guidance and misinformation directly caused this financial loss\nI made multiple good-faith efforts to comply with Capital Ones requests and relied on the information provided by their representatives. The closure of my dispute has caused financial loss and appears to be procedural, not the result of a fair review of the merits or evidence.\nI respectfully request the CFPBs assistance in investigating this matter and ensuring that Capital One properly credits my account and provides a resolution.\nThank you for your attention to this matter.\nSincerelyXXXX XXXXCredit Card Number: XXXX XXXX XXXX XXXX\nPhone: XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Your financial institution has posted a collection against me on each credit bureau. I do not believe that there is any legal collection that could be posted against me personally. However, I request a letter stating the facts pertaining to the charge-off collection, and a contact person and phone number to reach a representative that can help me resolve the matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I sent out Debt Validation Demands to all companies listed below. I never received a response. 

Transworld System Inc - Acct # ( XXXX ) See Attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
Under the agreement from management they swore that this wouldnt hit our credit they kept our deposit and was rented out XXXX weeks after we moved out we was squared away. In the state of Colorado even a verbal agreement is a type of contract which they broke. And then they sold our debt to a debt collector which had the audacity to threaten me and my wife with XXXX and deportation because if we dont pay they say how the nation is looking we could get deported?! Unbelievable then they break the law with illegal re-aging on the account we left XX/XX/year> they sold a debt that wasnt owed and aged to make it look like it just happened this has to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Minto Financial dba Minto Money
State: GA

Complaint narrative:
I am a Georgia resident who received an installment loan from XXXX XXXX XXXX XXXX XXXX in the amount of {$1200.00} with an APR of approximately XXXX XXXX 

I have paid {$690.00} toward the loan. I contacted the lender in writing to request a payoff amount and to offer repayment of the remaining principal balance of {$500.00} in order to resolve and close the loan. 

The lender confirmed that XXXX authorization has been revoked, but refused to address my written dispute or confirm whether repayment of the remaining principal would satisfy the loan in full. Instead, the lender stated that payment arrangements can not be discussed in writing and insisted that I must speak with a representative by phone. 

I am not refusing to pay. I am offering full repayment of the principal amount borrowed and am requesting written confirmation of payoff terms. I am requesting assistance in resolving this matter and closing the account without excessive finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Product : Chime Checking Account / Virtual Bank Problem : Account closed without explanation / Issue with a credit or debit card Description of Incident : I am a Chime account holder who has consistently used the platform for my primary banking and direct deposits. On XX/XX/XXXX, I filed a dispute for a transaction in the amount of {$830.00} because I did not initially recognize the charge. 

Upon further personal review of my records, I realized that the transaction was legitimate and that I had filed the dispute in error. I immediately took the following actions to rectify the mistake : I contacted Chime support via Email and Phone on XX/XX/XXXX to formally withdraw the dispute and accept responsibility for the charges. 

I explicitly informed the company that the account was secure and that this was a clerical error on my part, not a case of fraud or account compromise. 

Despite my proactive transparency and attempt to resolve the error, Chime proceeded to close my account permanently on XX/XX/XXXX. I submitted a formal appeal explaining the situation, which was denied without a specific reason or a path to reinstatement. 

Impact and Resolution Requested : This closure has caused significant financial distress, as my upcoming salary payment of {$5400.00} scheduled for XX/XX/year>, is now at risk of being rejected or delayed during the " return to sender '' process. 

Moreover, i have no statement of closure issued by Chime and no clarity on the remaining balance which was {$14000.00} to be refunded back to me. 

I am requesting that Chime : Re-evaluate the " risk '' status of my account, as I have proven that no external security breach occurred. 

Re-open my account so that I may receive my scheduled direct deposits and access my funds. 

At a minimum, provide a clear explanation for why a self-corrected error resulted in a permanent loss of banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Ive had this account for some time. There was too but I managed to pay XXXX off. I called today because I missed last months payment to see if they could help me in some sort way with hardship being Ive missed a lot of work due to my moms newly found health issues. I even offered to send them copies of my check or her new medical records. They wouldnt except anything. The only resolution they had for a long time customer of XXXX accounts was to pay the payment tomorrow verses today.. This is insane and I will make sure to let everyone know if I have to take it social media. They want even give a waver if you accidentally miss a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I obtained a XXXX XXXXXXXX from XXXX XXXX structured as a personal line of credit. Since opening the account, I have made numerous payments, including large lump-sum payments, yet my principal balance has not meaningfully decreased. 

Upon reviewing my transaction history, I discovered that the loan accrues interest on a daily basis at an extremely high rate, causing the majority of my payments to be applied to interest rather than principal. This structure was not clearly explained at the time of the loan and has made repayment unreasonably difficult despite consistent payments. 

As of now, I have paid a substantial amount toward this loan, yet the remaining balance remains high due to ongoing daily interest charges. I believe the way interest is calculated and applied is excessive and not transparent, resulting in payments that do not fairly reduce the debt. 

I am requesting regulatory review of this loans interest practices, payment application, and overall fairness based on my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
Zions bank has decided to close my account because of their own misconduct regarding a fraudulent wire transfer claim. The XXXX did nothing other than allow Zions bank to not follow procedures and federal regulations, lie about facts in the case and conduct their own investigation. Now my account gets closed because i filled a complaint? That's retaliation! But let me guess it's perfectly fine for these small minded, superficial XXXX that call themselves executives to do so. I'm not impressed and I intend to move forward with legal action even if at the very least it embarrasses Zions bank and lets everyone know how they really treat customers.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I sent Debt Validation Demand and received no response. 

Midland Credit Management Acct # ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My Barclays credit card account was compromised due to an account takeover beginning in XX/XX/year>. 
In XX/XX/year>, unauthorized changes were made to my phone number and email address, which caused me to lose access to my online account. Because of this, I was unable to log in, receive account notifications, or make payments on time. 
From XX/XX/year> onward, I contacted Barclays multiple times in an attempt to report the fraud and regain access to my account, but the issue was not resolved. Due to the continued lack of access and the stress caused by the situation, the account was eventually closed. 
As a result of the unauthorized access and loss of control over the account, late payments were reported to the credit bureaus starting in XX/XX/year>, even though the missed payments were directly related to the fraud and not to an intentional failure to pay. 
I am requesting a full review of this matter, correction of the inaccurate credit reporting related to the fraud, and removal of late fees associated with the compromised period.

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 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Central Research Inc
State: MA

Complaint narrative:
I have been battling with XXXX and the credit companies for month now. XXXX failed to notify me of my loans being due. 
In XXXX i took out a loan for around {$5000.00}. XXXX happened so there was a deferment on the loan then i joined up at another school and an in school deferment happened. 

XXXX staff admitted to having faulty information on my account which led them to not being able to contact me. Due to XXXX XXXX, i went into a 120 day deferment on XXXX loans totaling {$5900.00}. 

I found out on the loan being due on my own because i went to check my XXXX XXXX and it dropped from a XXXX to a low XXXX. I learned of the loan bring due on XX/XX/XXXX. once i realized this the loan was paid off in full on XX/XX/XXXX. 
XXXX has refused to update the credit companies to remove my on my " 120 day late charge '' even though they admitted to having wrong information. 

Since then i have filed disputes with all the major credit companies. XXXX has had me jump through countless hoops to try and fix this issue and get my credit score back on track. 

I have been doing everything to get this fixed but XXXX is difficult to work with, I will also be contacting my local federal representation including the staff of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Aidvantage is reporting a late payment on my student loan account that resulted from a loan servicer transfer and out of date contact information. 

I requested a goodwill adjustment due to my long history of on-time payments, never missing a payment, and the isolated nature of this event. Once realized I immediately paid twice my monthly payment, updated my contact information, and put my account on autopay, despite that and explaining the situation they still reported my account late to credit agencies and refused to remove the negative mark on my credit that dropped my credit score from over XXXX to under XXXX. Aidvantage responded that the Fair Credit Reporting Act restricts them from making any goodwill removals of accurate reporting. 

My understanding is that while the FCRA does not require goodwill adjustments, it does not prohibit them. I am requesting regulatory review of whether my request was properly evaluated, whether the reporting is accurate and complete, and how the reported delinquency was verified. 

I am also requesting review of whether the account status, dates of delinquency, and any applicable deferment, forbearance, or enrollment status were properly considered and consistently reported to all consumer reporting agencies. 

thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am submitting this second complaint due to continued inaccurate credit reporting and failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

This complaint concerns a collection account reported by National Credit Systems , Inc. ( NCS ), account ending in * 4492, currently appearing on my XXXX  credit report. 

I previously disputed this account with XXXX. On XX/XX/year> ( Confirmation # XXXX ), Equifax stated the account was verified. However, no documentation was provided demonstrating a reasonable investigation. 

Critically, the original creditor, XXXX XXXX, provided a written response through the XXXX XXXX XXXX XXXX XXXX ID XXXX ) stating that : XXXX is not currently reporting the account ; The account was previously removed ; XXXX reports only to XXXX, not XXXX  or XXXX. 

Despite this admission, XXXX  continues to report the alleged debt through National Credit Systems, a third-party collection agency. XXXX  failed to reconcile this direct contradiction and relied solely on electronic verification from the furnisher. 

National Credit Systems responded to my CFPB complaint by asserting they collect on behalf of XXXX XXXX XXXX and attached a lease and ledger. However : No proof of debt ownership or legal assignment to XXXX was provided ; No notice of assignment was ever sent to me ; A lease and internal ledger do not constitute validation or authority to report under the FCRA or FDCPA ; Changes to the status date and balance date raise concerns of improper re-aging. 

XXXX continued reporting after receiving contradictory evidence from the original creditor constitutes : Failure to conduct a reasonable investigation ( FCRA XXXX ) ; XXXX information that can not be verified as accurate ; Allowing third-party reporting without proof of authority ; Potential improper re-aging of a collection account. 

I am requesting CFPB assistance to require : 1. Immediate deletion of the National Credit Systems account from my XXXX  credit report ; 2. Written proof of ownership and authority from NCS or permanent removal ; 3. Confirmation that Equifax has corrected its records and ceased reporting this account ; 4. XXXX that XXXX has not authorized further collection or reporting. 

All supporting documentation is attached, including XXXX XXXX  admission, XXXX dispute results, and NCSs CFPB response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
This company is attempting to collect on a debt, however I dont believe that I owe it. I demand that this company provide me with all the documents listed in the attached dispute. If I remember correctly, I was in a car accident and the insurance company paid for everything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a resident of XXXX, XXXX, and I am filing this complaint against BMO Bank N.A . regarding a critical servicing error on my Home Equity Line of Credit ( HELOC ), account ending in # XXXX. The bank is failing to honor the contractually agreed-upon draw period and is providing conflicting expiration dates. 
1. Contractual Basis : On XX/XX/XXXX, I executed a 'Conversion Confirmation Letter ' and an 'Amendment to Equity Line Credit Agreement ' which established a XXXX fixed-rate installment loan. This amendment confirmed my continued participation in the HELOC program under specific fixed-rate terms. 
2. The Conflict in Bank Records : On XX/XX/XXXX, BMO sent a letter claiming my draw period would end on XX/XX/XXXX. 
On XX/XX/XXXX, BMO sent an official email explicitly stating : 'the draw period on your Home Equity Line of Credit account referenced above will come to an end on XXXX/XXXX/XXXX '. This email further confirmed that the account would not enter the repayment period until that XXXX date. 
3. Failed Internal Resolution : I submitted a formal 'Notice of Error ' to BMO 's Mortgage Servicing office in XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX. While BMO acknowledged receipt of my inquiry in a letter dated XX/XX/XXXX, they have failed to correct the system error or provide a substantive response that honors the XXXX date. 
4. The Harm : BMO 's refusal to align its records with the XX/XX/XXXX, written confirmation threatens to prematurely terminate my credit access and may lead to incorrect credit reporting or unauthorized changes to my monthly payment structure. 
5. Desired Resolution : I demand that BMO Bank N.A . update its servicing system to reflect the XX/XX/XXXX, draw period expiration date as confirmed in their XX/XX/XXXX, communication. ''

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 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
Affirm is maintaining an unauthorized open line of credit for a non existent order. 
On XX/XX/XXXX I attempted to order items from XXXX. XXXX double charged me on my debit and initiated a line of credit through Affirm. Immediately after seeing this error I cancelled the entire order. XXXX confirmed cancellation at this point. Once I checked Affirm the loan was still pending and after contacting Affirm they informed me that it would fall off when XXXX cancels the order in which I told them that it was cancelled and also provided screenshots to confirm so. They acknowledged that they received the information and would resolve the issue. After several attempts ( at least XXXX  times ) and waiting periods over the last XXXX  months it was evident the resolution was in false pretense. I have talked to specialist for escalation and supervisors on the situation multiple times all who in which informed me it was resolved. The last time I spoke with a supervisor they told me it would reflect on my account in XXXX business. Since then it has been XXXX business days as of today ( XX/XX/XXXX ). 
I called them again today and the customer service representative not only did not check to see the status of the issue but told me there was nothing they could do and I had to wait XXXX  months for it to fall off on its on.

Company response to consumer: Closed with explanation