vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XX/XX/XXXX I was financed XXXX for a automobile I picked out online which was on {$17000.00} when I called the dealer XXXX he acknowledged me of the finance company exeter finance llc was the company the car was being financed through and in order to get the car the requested {$1500.00} down-payment i told him for days that I shouldn't have to put a down payment on a credit transaction .. thinking to myself im here for a credit transaction and not to enter into a installment contract I asked was there any other way he persisted that a down-payment was mandatory .. I reached out to exeter finance llc relaying the message from the dealership about the finance company wanting a down-payment in order for the transaction to take place i ended up paying like XXXX or XXXX XXXX and he say I owe the rest but put on the contract that it was XXXX XXXX paid which was already included in the finance charge ... as me n the finance manager go over the paperwork briefly and in a hurry it was this one sheet he kelp to the side I ask to have a copy of it and to read it .. he literally held the paper from me just to look over it and he made sure I didn't touch it and said I'll get a copy ... after all the add-on and inflated XXXX XXXX ... {$17000.00} turned into XXXX {$590.00} XXXX  months ... so after going home reading the contract XX/XX/XXXX immediately sent debt validation notice request for original wet ink sign contract, assignment of note, proof of ownership ... to the finance company response with '' a installment contract also assignment of note " these XXXX documents I've never seen whatsoever ... the original contract on file look completely different from the contract that was presented to me.. Itemization was different and the signature on the installment contract the finance company sent had my name signed and I know for a fact I never seen nor signed the document whatsoever my signature is totally different ... I just wanted the debt validated but as I recieve there documents I realized I've been a victim....... dealer : XXXX used car dealership Finance company : Exeter Finance LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This letter serves as my formal notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

I am disputing the accuracy, completeness, and verifiability of the account ( s ) you are reporting under my name. This dispute is made in good faith and with lawful authority. 



LEGAL BASIS FOR DISPUTE 1. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits any furnisher from reporting information that is inaccurate or incomplete.

2. FCRA 15 U.S.C. 1681s-2 ( b ) Requires a furnisher, upon notice of dispute, to conduct a reasonable investigation and correct or delete unverifiable information.

3. FCRA 15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy.

4. FCRA 15 U.S.C. 1681i ( a ) Requires deletion or correction of any information that can not be verified within 30 days.

5. FDCPA 15 U.S.C. 1692c ( c ) TAKE NOTICE : I hereby refuse to pay the alleged debt ( s ). Under federal law, once a consumer notifies a debt collector in writing that they refuse to pay, the collector must cease all communication with the consumer.

Reporting negative information to a consumer reporting agency constitutes a form of communication and is therefore prohibited after receipt of this notice.

6. FDCPA 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations, including reporting information that can not be substantiated.

7. FDCPA 15 U.S.C. 1692f Prohibits unfair or unconscionable means to collect or attempt to collect any debt.

8. Uniform Commercial Code ( UCC ) 1-103 & 3-602 All commercial claims require proof of obligation, lawful ownership, and authority to enforce. Absent proper validation and chain of title, no enforceable claim exists.

FORMAL DEMANDS Accordingly, I demand the following : Immediate cessation of all collection activity and communication, including reporting to consumer reporting agencies Strict proof of the alleged debt, including : Original creditor agreement bearing my signature Complete chain of custody / assignment Itemized accounting of the alleged balance Proof of authority to collect and report Deletion of the account ( s ) from all consumer reporting agencies if verification can not be produced Failure to comply within the statutory timeframe will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, subjecting your organization to civil liability.

NOTICE OF INTENT This letter is not a refusal to cooperate but a lawful exercise of my federally protected rights. Any continued reporting, verification without investigation, or communication after receipt of this notice may be documented as evidence of statutory violations. 

Govern yourselves accordingly. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am filing this complaint because PayPal overrode my explicit payment method selection, causing significant financial harm. On Friday, XX/XX/year>, I made a high-value purchase. During the checkout process, I affirmatively and intentionally selected my PayPal Credit line as the funding source. I have a confirmed, active credit line with more than enough available balance for this transaction. 

Despite my selection, PayPal 's system bypassed the credit line and withdrew the full amount directly from my personal checking account at XXXX XXXX XXXX XXXX without my consent or a secondary confirmation. This unauthorized withdrawal caused an immediate {$800.00} overdraft. Because of this processing error, I have been forced to take an emergency 401 ( k ) withdrawal to cover my mortgage payment. 

A PayPal representative confirmed via phone that my credit line was fine and could not explain why the system reverted, yet they refused to correct the error. I am seeking for PayPal to reverse the bank charge and correctly bill the transaction to my PayPal Credit line as I originally authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: AK

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX ) with a documented Lifetime Oil Change program issued at the time of sale. This benefit was part of the dealerships service offering and was relied upon for warranty-compliant maintenance. On XX/XX/year>, after requesting technical documentation related to an emissions repair, the XXXX XXXX refused to perform further work under protest and canceled parts orders. On XX/XX/year>, just hours after I notified federal and state regulators of documentation omissions and safety concerns, the dealership issued a formal Termination of Business Relationship. This included cancellation of XXXX scheduled appointments ( XX/XX/XXXX and XX/XX/XXXX ), refusal to provide any further warranty service, and revocation of the Lifetime Oil Change program.

The dealerships written response accused me of spam and spurious requests despite my lawful efforts to obtain repair documentation required under XXXX XXXXXXXX XXXX and federal emissions warranty rules. Their actions obstructed an active XXXX safety investigation ( Request # XXXX ) and denied me access to services I had already paid for or relied upon as part of the original vehicle agreement. 
I am requesting CFPB review of this dealerships conduct and its financial impact, including the revocation of a service benefit tied to the original purchase. I have submitted Exhibits XXXX and XXXX to federal agencies documenting the pattern of retaliatory service refusal and obstruction.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
On or about XX/XX/XXXX, I was charged approximately {$2200.00} by XXXX & XXXX XXXX Video for a laptop purchased using my Wells Fargo credit card. The merchant then unfortunately shipped an incorrect laptop model. 
XXXX & XXXX XXXX XXXX admitted in writing that the wrong merchandise was shipped and issued a return authorization ( XXXX ) which also said as such. I returned the laptop I received using the merchant-provided return label. The return was delivered to the merchant on or about XX/XX/XXXX, per XXXX tracking. Despite receiving the return, the merchant did not issue any refund or credit. 
I filed a billing dispute with Wells Fargo. Wells Fargo issued a provisional credit, which was later reversed after merchant representation. I then requested reconsideration and provided additional documentation, including the merchant-issued RMA explicitly stating shipped wrong merchandise, proof of authorized return, and delivery confirmation showing the merchant received the return. 
On XX/XX/XXXX, I requested that Wells Fargo reopen the claim based on this additional evidence. Wells Fargo responded by letter stating they would not reopen the claim because it was substantially the same as the previous dispute and maintained that the charge is valid, without addressing the merchants written admission of error or the proof that the returned item was received and not refunded. 
I am requesting that Wells Fargo conduct a fair review of the evidence provided and explain how the charge can be considered valid when the merchant admitted shipping the wrong item, authorized and received the return, and failed to issue a refund.

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: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited the XXXX check {$4000.00} to my chase Account since XXXX XXXX on the phone, the check from my brother in law gift to my son down payment the car for college school. After i deposited to my account, they hold the check and closed my account right away. They told me that cant deposit foreign check on the phone. I dont know that. And they want to verify the sender check. I already gave them the sender phone number is XXXX phone number. Of course he live in XXXX thats why he used XXXX phone number. I contacted to chase bank many times but they just told me that cant verify XXXX phone number like international. They dont release my check deposit or no return to sender. I dont know how can I do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
This letter serves as my formal notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

I am disputing the accuracy, completeness, and verifiability of the account ( s ) you are reporting under my name. This dispute is made in good faith and with lawful authority.

LEGAL BASIS FOR DISPUTE 1. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits any furnisher from reporting information that is inaccurate or incomplete.

2. FCRA 15 U.S.C. 1681s-2 ( b ) Requires a furnisher, upon notice of dispute, to conduct a reasonable investigation and correct or delete unverifiable information.

3. FCRA 15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy.

4. FCRA 15 U.S.C. 1681i ( a ) Requires deletion or correction of any information that can not be verified within 30 days.

5. FDCPA 15 U.S.C. 1692c ( c ) TAKE NOTICE : I hereby refuse to pay the alleged debt ( s ). Under federal law, once a consumer notifies a debt collector in writing that they refuse to pay, the collector must cease all communication with the consumer.

Reporting negative information to a consumer reporting agency constitutes a form of communication and is therefore prohibited after receipt of this notice.

6. FDCPA 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations, including reporting information that can not be substantiated.

7. FDCPA 15 U.S.C. 1692f Prohibits unfair or unconscionable means to collect or attempt to collect any debt.

8. Uniform Commercial Code ( UCC ) 1-103 & 3-602 All commercial claims require proof of obligation, lawful ownership, and authority to enforce. Absent proper validation and chain of title, no enforceable claim exists.

FORMAL DEMANDS Accordingly, I demand the following : Immediate cessation of all collection activity and communication, including reporting to consumer reporting agencies Strict proof of the alleged debt, including : Original creditor agreement bearing my signature Complete chain of custody / assignment Itemized accounting of the alleged balance Proof of authority to collect and report Deletion of the account ( s ) from all consumer reporting agencies if verification can not be produced Failure to comply within the statutory timeframe will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, subjecting your organization to civil liability.

NOTICE OF INTENT This letter is not a refusal to cooperate but a lawful exercise of my federally protected rights. Any continued reporting, verification without investigation, or communication after receipt of this notice may be documented as evidence of statutory violations. 

Govern yourselves accordingly. 



Sincerely, XXXX 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: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: OH

Complaint narrative:
Real Time Resolutions , Inc. has continued collection activity since XX/XX/XXXX regarding an alleged XXXX mortgage lien. 

The debt was a {$23000.00} second mortgage secured by real property that was sold in XXXX. A pre-closing title report dated XX/XX/XXXX identified the second mortgage, requiring resolution to convey marketable title. 

At closing, a Satisfaction of Mortgage was prepared and recorded, as confirmed by an attorney invoice dated XX/XX/XXXX. A General Warranty Deed dated XX/XX/XXXX and recorded XX/XX/XXXX, along with the county-approved legal description, confirms the property was conveyed with warranty of clear title. 

Despite this documentation, Real Time Resolutions sent additional collection notices dated XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX asserting lien enforcement against property I no longer own. The company has not provided documentation showing the lien survived the sale or that I remain personally liable. 

I am requesting that Real Time Resolutions cease collection activity and correct their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX, I am requesting that Wells Fargo reopen my dispute and correct the dispute category used to evaluate it. The denial rationale referenced no evidence the airline cancellation was made or attempted before the scheduled date of service. That standard does not apply here because this matter has nothing to do with cancellation. 

Context : On XX/XX/year>, I used my Wells Fargo debit card ( Visa ending in XXXX ) to purchase a XXXX XXXX ticket for my niece ( I am the purchaser/cardholder ; she was the passenger ). The flight was XXXX XXXX XXXX XXXX XXXX from XXXX ( XXXX ) to XXXX XXXX XXXX XXXX ). Ticket details : XXXX XXXX. 

During this approximately XXXX international flight, the passenger experienced significant service failures that materially reduced the value of what was purchased. The flight crew instructed her not to recline her seat for the entire duration of the flight, and no reasonable remedy or alternative accommodation was provided. In addition, the passenger seated behind repeatedly extended their feet into her seating space, and although reported to the crew, no effective corrective action was taken. The flight was completed, but the purchased seat experience was materially deficient. 

I attempted to resolve the issue directly with XXXX. XXXX did not provide a monetary adjustment back to the original form of payment. Instead, XXXX offered travel credits/vouchers ( {$75.00} on XX/XX/year> and {$50.00} on XX/XX/year> ), which I declined as not an acceptable substitute for a monetary price adjustment/refund to the original payment method. 

Attached documentation supports that this is a service-deficiency dispute, not a cancellation dispute : XXXX. XXXX XXXX XXXX XXXX dated XX/XX/year> acknowledging the seat recline issue and offering a {$75.00} travel certificate ( Attachment XXXX ). 
XXXX. XXXX XXXX email dated XX/XX/year> showing only a {$24.00} refund processed back to the card ending in XXXX ( Attachment XXXX ). This appears to be for an ancillary item, not the flight ticket itself, and does not resolve the service deficiency. 

Please reopen and re-evaluate my claim under the appropriate dispute category ( services not as described / material service deficiency ), rather than a cancellation standard. Also, please provide the dispute reason code/category previously used and all denial materials relied upon.

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: 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: CA

Complaint narrative:
I am filing this complaint because Capital One has restricted my credit card account following a payment processing issue and has failed to resolve it despite repeated good-faith attempts over several weeks. 

In early XXXX, I attempted to make a credit card payment using my XXXX XXXX brokerage account. Capital One accepted the payment at the time it was submitted. The payment was later returned because brokerage accounts are not eligible for this type of ACH payment. Believing the return XXXX have been a processing error, I retried the payment once, and it was again returned. These attempts were made in good faith and not for the purpose of avoiding payment. 

Following this, my account was flagged and restricted. Since then, I have fully cooperated with XXXX Ones requests and verified my legitimate checking account. Using an eligible bank account, I subsequently paid the entire balance in full. The account is currently paid off and in good standing. 

Despite the balance being paid in full, Capital One has continued to restrict my account. The company has repeatedly requested verification for a XXXX bank account that I do not have. My XXXX XXXX brokerage account clears transactions through XXXX internally, but I am not a XXXX customer and can not provide verification for an account that does not belong to me. 

I have a long-standing relationship with Capital One and have never previously been flagged for fraud or payment abuse. Despite this history, I have been unable to obtain meaningful assistance. Customer service representatives have repeatedly refused to escalate my case to a supervisor or to the appropriate reviewing department. Even when routed to the fraud department, I am told that another internal team must review the matter, but I am not permitted to contact that team directly. 

Capital One has repeatedly stated that reviews take up to XXXX business days, but each time I provide requested information or follow up, the review period resets without resolution. As of today, this issue has remained unresolved for several weeks, leaving my account restricted indefinitely despite the balance being paid in full. 

Capital Ones continued restriction of a fully paid account, refusal to provide escalation, and requirement for impossible verification is unreasonable. I have made every effort to resolve this matter in good faith, and the ongoing delay has prevented me from accessing credit that was approved and issued to me. 

I am requesting that Capital One remove the account restriction, restore full access to my credit card, confirm that my account is in good standing, and ensure that future payments are accepted only from eligible accounts so this issue does not recur.

Company response to consumer: Closed with explanation