vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southern Credit Adjusters, Inc.
State: AZ

Complaint narrative:
I informed the company that I am a minor and that there was no adult present when i got the gym membership and to stop contacting me and they have called me several times since that conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: IL

Complaint narrative:
VANCEHUFFMAN is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCEHUFFMAN 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 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Recovery and Collections, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX was providing XXXX XXXX services for my tender age son back in XXXX. I received childcare assistance through the XXXX of Nevada. I moved out of state in XXXX, with all balances paid in full.

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 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I've received XXXX calls in a XXXX  day time period. This frequency goes on weekly. Due to my pay period I have to pay late. They harass me and call me non stop. I've explained this and still get calls. I've asked them to stop calling me and they don't. I deal with this every month. When I try to talk they just raise their voice and talk over me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint because a fraudulent Capital One account has been reported on my credit file. I did not open this account, authorize anyone to open it on my behalf, or have any knowledge of its existence until I reviewed my credit report. 
I am a victim of identity theft and have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ). I have also submitted disputes with Equifax, Experian, and TransUnion, and contacted Capital Ones fraud department directly. Despite these actions, the account continues to appear on my credit report, negatively affecting my credit score and financial reputation.

I am requesting the CFPBs assistance in ensuring that Capital One conducts a full investigation, confirms this account was opened fraudulently, and instructs all credit bureaus to permanently remove this account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I have attached supporting documentation, including a copy of my government-issued ID, and recent credit reports showing the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
My loan was originated from XXXX XXXX XXXX in XXXX, North Carolina. The loan was XXXX I was told I needed to take out for school expenses, and it turns out that was not true. School had been already financed. I believe this was a predatory loan. Since then, I have been trying to get in contact with MOHELA on sending me my information. MOHELA has said they were gon na send my information over XXXX times and I have not received it yet. Also, I have been paying on this loan for almost 20 years and they have not dropped the amount owed at all. I have paid almost triple with the loan has started out as. Well, he also has my portal amount owed wrong. They clearly show what I paid for interest fees and principal yet the principal amount that I have paid on has not went down. They also have refused to change this as well when I asked them for my records so I can double check what they have going on to make sure it is in fact, right or wrong They say theyll send them to me but they never come. Also, my school has now been removed from the federal funding list so all of my other loans from that school have been charged off from a federal standpoint. I also asked MOHELA to do the same and I was told that was impossible to do I further did more research and realize that they are allowed to do it and they sent me paperwork to fill out to do so. I have recently sent that paperwork over XXXX times and have heard nothing back from them every time I ask them did they receive it? They say no. at this point having a loan that started out as XXXX XXXX that then was transferred over to XXXX, and now MOHELA all of these companies have faced the actual same thing in the courts about predatory lending about the way they service their loans and I am not sure where to turn because I am getting taking advantage of, and I have no other options. Also I have a co-borrower and she wanted to try and do a forbearance as well. She was told that her mother passing was not a reason for forbearance, even though they live together, and her mother was taking care of most of the bills at this time she was told this I was out of work as well

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NE

Complaint narrative:
I deposited a check into my checking account, like many checks I have deposited before and it was sent to the fraud department. They told me they were closing my account and nothing could prevent it. I called the branch manager ( XXXX XXXX ) of the bank, ( US Bank ) and was told nothing could be done.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 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 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
The company that is requesting payment of XXXX for an old XXXX bill from XXXX to XX/XX/XXXX. I have not had service with XXXX since around XX/XX/XXXX. I switched to XXXX XXXX XXXX XXXXnd only owed a XXXX billing period of about XXXX. XXXX XXXX  was suppose to handle the billing period of switching over. The second phone on the account at the time was returned because it was upgraded and was payments were still owed. The statement I remember seeing was for XXXX and something. I am not sure where XXXX came from and feel their should be some type of resolution of being removed or adjust the amount for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: IL

Complaint narrative:
During the months of XXXX - XX/XX/XXXX, Capital One added a limited-time promotional offer for their Capital One Savor & Capital One Quicksilver credit cards that included the following terms : * {$200.00} cash-back for spending $ XXXX within the first 3 months of account opening * bonus {$100.00} travel credit, valid for 1 year from account opening, usable exclusively on the Capital One Travel Portal. 

I am an individual with excellent credit score ( XXXX ) and high income ( $ XXXX ). I applied for the version of the Capital One Savor credit card which has the sign-up bonus, and the website told me I am accepted for this offer. The application was initiated on XX/XX/XXXX, and finalized ( after initial identity document submission & review ). The e-mail confirmation of the approval for the credit card came on XX/XX/XXXX. It mentioned, in the benefits section, simply : " Credit limit : {$3000.00} '' Not thinking much of this at the time, I proceeded to use the card and spend the required {$500.00}, in order to meet the XXXX month spending window requirement. The first transaction was posted on XX/XX/XXXX, reaching the required {$500.00} spending cap by the end of XX/XX/XXXX. 

On XX/XX/XXXX, I called Capital One customer service to explain why the sign-up bonus had not posted to my account yet. I was informed that the account was never eligible for the sign-up bonus, despite clear and explicit indications on the original application portal that the version of the card I was applying and accepted for was the one for " Excellent Credit '' i.e. eligible for the {$200.00} + {$100.00} credit bonus. 

Capital One appears to have pulled a classic bait-and-switch tactic, retroactively making my application ineligible for the advertised sign-up bonus, in order to get out of the financial liability of paying out their contractual obligation to me agreed upon at time of application approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: AL

Complaint narrative:
BOUNCE is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE 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 2026-01-07 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am filing this complaint regarding repeated and coordinated abuse of the chargeback system by a single cardholder, XXXX XXXX, and the failure of the card issuer to properly investigate clearly fraudulent and inconsistent disputes. 

Between XX/XX/XXXX and XX/XX/XXXX, this cardholder filed XXXX chargebacks against my business for the same category of services, all marked as product not received, despite the fact that services were authorized, delivered, acknowledged, and used over a period of nearly XXXX years. 

The cardholder : Signed authorization agreements for services Received and used the services for 2 years straight Acknowledged delivery in writing Ceased communication after services were completed and outstanding balance was due Blocked my company and legal counsel Then filed mass disputes with inconsistent and false statements Several disputes contain contradictory timelines, including different expected delivery dates for identical services, which demonstrates bad faith and misrepresentation to the bank. 

I provided extensive evidence for every dispute, including : Signed authorization and service agreements Proof of service completion Delivery confirmations Usage records ( including photographic evidence ) Written communications Refund policy disclosures Despite this documentation, the bank continues to process new disputes without addressing the pattern of abuse, resulting in severe and documented harm to my business, including the loss of my payment processor. 

This is not a legitimate consumer dispute. This is a systematic attempt to reverse valid charges after services were rendered, which constitutes chargeback abuse and financial misrepresentation. 

I am requesting CFPB intervention to require the card issuer to : - Conduct a proper investigation into the pattern of disputes - Review the contradictory statements submitted by the cardholder - Address the failure to identify repeat fraudulent dispute behavior - Prevent continued misuse of the chargeback system against merchants- All supporting documentation is attached including federal filings with XXXX for XXXX XXXX which are public records on different federal agencies. 

XXXX XXXX runs a business named XXXX XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX who we have been supplying work for XXXX years now. His website for his business which he uses publicly on every page of his business was build by us and it can be confirmed by going to XXXX XXXX XXXX  at the bottom of it you will see a tag that our company is the host and the builder of his branding and business. His entire social media for his business contains extensive XXXX work, XXXX and marketing done for XXXX for XXXX years in a row including email marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I purchased furniture from XXXX XXXX XXXX & it wasn't delivered because company refused to carry up steps. The furniture was returned to the store & a credit was issued in the amount of {$1000.00} from the store to Synchrony bank but the bank will not post to my account.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
CREDENCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE 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 non-monetary relief
Consumer complaint received 2026-01-07 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2026-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
About 3 months ago after getting over XXXX reward on my venture Capital One card, I was asked for varication. I offered them a passport and they would not accept it. The only verification they would accept was a state ID. Since I did not have XXXXne, and was out of the country, I told them I will get back to them with it.

6 weeks ago I got back to the states and applied for my state ID, While I was back in the states I also went in to a capital one branch in person so they could verify my identity, but they would not accept that.

I got my ID 3 weeks ago and called them to send it in and I submitted it. They got back to me a week later and when I called them claimed that all my points were erased since they shut the account. It did not help any explaining and they were not willing to assist me or compensate me in any way. 
They claim they sent me a letter that the account will be shut down if I don't verify myself within 45 days but I never received such a letter! 
I really want back those miles and thing they should restore my card and account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Company : Capital One Product : Credit Card Issue : Unexpected interest charges/ fee dispute Desired Resolution : Refund / credit of interest charged On XX/XX/XXXX, the due date for my Capital One credit card, I paid the entire account balance using the account balance payment option, bringing the account to {$0.00}. The payment posted on XX/XX/XXXX. 

On XX/XX/XXXX, Capital One assessed an interest charge of {$73.00}. I was later informed this was residual interest related to prior months, despite the account being paid in full. 

I contacted customer service and escalated to a manager, requesting a one-time courtesy adjustment given that I paid over {$4000.00} in full and selected the account balance specifically to avoid additional charges. The request was denied, and I was told no further escalation was possible. 

I understand how residual interest works ; however, I was not clearly informed that interest would still post after the balance reached {$0.00}, nor was I provided any flexibility despite my payment history and full payoff. 

I am requesting a refund or credit of the {$73.00} interest charge as a reasonable, one-time courtesy adjustment.

Company response to consumer: Closed with explanation