vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing regarding the above-referenced account, which I am formally disputing as the result of identity theft. 

I did not open, authorize, or benefit from this account. An identity theft police report has been filed regarding the fraudulent use of my personal information, and documentation is available upon request.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting full validation of this alleged debt, including : 1. The name and address of the original creditor 2. The date the account was opened and the date of first delinquency 3. Copies of any documents bearing my signature or evidence showing I authorized this account 4. A complete account history, including charges and payments 5. Proof that you are legally authorized to collect or report this debt Until such validation is provided, you are required to cease all collection activity and reporting of this account to any consumer reporting agency. 

If you are unable to provide documentation proving that I am legally responsible for this account, I demand that the account be permanently removed from my credit reports and that no further collection attempts be made. 

All future communication regarding this matter must be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am formally disputing the accuracy of the Regional Acceptance Co account listed on my XXXX credit report. 

This vehicle was declared a total loss on XX/XX/year>. I received written notice from my XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that the final insurance settlement check would be issued directly to the loan company. 

Despite this, Regional Acceptance Co is inaccurately reporting this account as a charged-off account with a remaining balance of {$25000.00}. This reporting is incorrect. 

Because the insurance settlement satisfied the loan obligation, Regional Acceptance Co can not legally report a remaining balance, delinquency, or charge-off status unless it can provide documented proof of a valid deficiency after insurance payment. 

I am disputing the following : Inaccurate balance Inaccurate charge-off status Inaccurate delinquency reporting Inaccurate date of first delinquency Please conduct a full investigation and delete this account or correct it to a XXXX balance with accurate status as required under the Fair Credit Reporting Act. 

I have enclosed documentation supporting that this vehicle was declared a total loss and that the final payment was issued directly to the lender. 

Sincerely, XXXX XXXX

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 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: MS

Complaint narrative:
I am submitting this as my final settlement demand regarding unlawful debt collection and inaccurate credit reporting tied to an unauthorized XXXX account reported in my name. 

I never opened, authorized, or agreed to any XXXX account, services, billing, or credit reporting. No signed agreement or proof of authorization bearing my signature has ever been produced, despite repeated disputes. 

Even so, conflicting balances were furnished and reported : XXXX reported a balance of {$110.00} Harris & Harris attempted to collect and report {$210.00} These discrepancies are documented in my consumer credit reports and financial institution records. Harris & Harris reported the account prior to proper validation and later deleted the tradeline, confirming the reporting could not be substantiated. Deletion after reporting does not cure statutory violations already committed. 

These actions constitute violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), 1692e ( 8 ), 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681s-2 ( b ) ).

As a result, I suffered credit score damage, financial harm, emotional distress, and significant time loss correcting inaccurate reporting. 

To resolve this matter immediately and without litigation, I demand : 1. Written acknowledgment of the violations 2. Permanent deletion and non-re-reporting assurance 3. Written confirmation the account will never be sold or transferred 4. Monetary compensation of {$5000.00} for statutory and actual damages If unresolved within 10 business days, I will pursue all available legal and regulatory remedies without further notice. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting by Spring Oaks Capital LLC for Account # XXXX. 

This account is listed as a collection with a balance of {$640.00}. I dispute the accuracy of this account and request that Spring Oaks Capital LLC provide complete documentation verifying ownership of the debt, the chain of title from the original creditor ( TXXXX XXXX XXXX XXXX  ), and the accuracy of the reported balance. 

Despite this account being previously disputed, it continues to report on my credit report without verification as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: LA

Complaint narrative:
In XX/XX/year>, I entered into an agreement with Freedom Debt Relief under the understanding that they would negotiate with my creditors and use the funds I paid them to settle those debts on my behalf. I agreed to pay {$190.00} every XXXX weeks into my dedicated debt relief account, believing that these payments would be used to reduce my outstanding credit card balances. 

During the roughly XXXX months I made those payments, Freedom Debt Relief only paid off XXXX small credit card accounts, each approximately {$200.00} {$250.00}. These were small debts I could have handled on my own. They made no attempts to pay or negotiate with any of my other creditors, including my XXXX XXXX XXXX credit card. 

Despite my repeated payments, I was subsequently sued by XXXX over my XXXX XXXX account, indicating that Freedom Debt Relief failed to contact or negotiate with key creditors as promised. On learning of this lawsuit, I contacted Freedom Debt Relief and requested immediate cancellation of my membership and services. I was told to send them the lawsuit information and assured my membership would be cancelled and handled appropriately. 

Instead of cancelling, the company continued to charge me membership fees and drain funds from my account for services not provided, even after I stated clearly that I wanted to end the program due to this serious issue. In total, they kept all of my payments except for a final check of XXXX cents, which I received in XXXX. 

To summarize : I paid Freedom Debt Relief {$190.00} every XXXX weeks for many months. 
They only paid XXXX small debts less than {$600.00} total. 
They failed to negotiate or pay any other debts, including the one that resulted in a lawsuit against me ( XXXX XXXX XXXX ). 
I requested the account and services be cancelled immediately, but they continued charging fees instead. 
Ultimately, I received only XXXX cents back from the money they collected. 

I believe Freedom Debt Reliefs actions were misleading and may constitute deceptive business practices : They failed to provide the services they promised, despite collecting substantial fees. 
They continued charging me after my cancellation request. 
They withheld all remaining funds that should have been refunded to me. 

I request this complaint be investigated and that appropriate action be taken to hold Freedom Debt Relief accountable for these practices and to assist me in obtaining a refund of the money I paid for services not rendered. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BIYING Inc
State: CA

Complaint narrative:
I was trying to fund my account for a trading bot. but every card i have has issues with this company. none of them will say anything, CFPB has done NOTHING to fix the problem. cashapp just contacts me to ask whats going on i remind them they declined my charges against the XXXX contracts and they say " oh we wont say why '' .. venmo has issues. these guys use too much automation and everything is problems. their support is trash no one understands. no one can answer questions they end the chat early with incomplete results. I have money in the accounts for transfer and everyone everywhere still gives errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
Cash App blocked my account for no reason when I confronted them they claim fraud but no fraud existed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has attempted to contact me regarding this complaint by phone ; however, the voicemails were left too quickly and did not include a clear name, department, or callback number. As a result, I currently have no way to return the call. 

I am not refusing to communicate. I am requesting that Wells Fargo provide their response and any proposed resolution in writing only, either through this CFPB case or via email or mail, so I can review it accurately and keep a complete record. 

Everything needs to be done in writing

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year>, I filed a dispute with Chime for a {$50.00} debit card transaction categorized as credit not posted, involving a refundable deposit that was not returned. 

Chime did not issue provisional credit during the investigation. Instead, I was instructed to contact the merchant myself and obtain documentation proving the transaction was refundable. This shifted the investigative burden to me as the consumer rather than Chime conducting the investigation internally. 

The dispute was later denied with a determination that no error occurred, without transparency into what documentation, if any, was reviewed prior to the decision. Chime stated that I may request the investigation documents, but those documents have not been provided to date. 

I am disputing both the denial and the dispute-handling process, including the failure to issue provisional credit and the requirement that I perform the investigative work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I disputed account # XXXX with Caine & Weiner, demanding that they provide me with proof to support the {$190.00} debt they claim I have with their company. On XX/XX/year>, Caine & Weiner reported this account had been updated, but to this day this company has failed to provide any documentation or competent information to legally support their claim. Additionally, this situation is really having a negative effect on my livelihood and quality of life. 

Despite my efforts to resolve this matter directly with Caine & Weiner, the issue has not been resolved. The company has failed to respond adequately and continues to engage in the same conduct. I believe this behavior violates consumer protection laws pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), the furnisher was legally required to conduct a reasonable investigation and report the results within the statutory timeframe. Their failure to respond constitutes a failure to investigate. 

Because no verification was provided within the time allowed by law, the continued reporting of this account is inaccurate, unverifiable, and unlawful. As such, you are required to DELETE this account immediately from my consumer file. 

Any attempt to continue reporting this account, or to reinsert it without proper certification as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), will be considered willful noncompliance and negligent violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, Comenity Bank added {$410.00} in interest to my Dell Financial Services account. This interest should not have occurred and is the result of improper billing practices.

The interest was assessed without lawful basis, including but not limited to : Interest being charged during an account servicing failure Improper application of payments and/or retroactive interest practices Failure to suspend interest while account issues were pending On XX/XX/XXXX, I contacted Comenity Bank by phone to dispute this interest charge. The Comenity representative stated clearly that Comenity Bank would not do anything to fix the issue, refused corrective action, and provided no meaningful investigation or written explanation. 

Comenity Bank has : Failed to conduct a reasonable billing error investigation Failed to provide a full accounting supporting the {$410.00} interest charge Failed to suspend interest pending review Failed to provide any dispute resolution mechanism beyond dismissal This single interest charge represents an extraordinary and disproportionate amount relative to the credit line, and reflects either systemic billing errors or abusive interest practices, not normal account activity. 

I am requesting : Immediate removal of the {$410.00} interest charge A full itemized accounting of how interest was calculated ( daily balance, APR, fee application, and dispute dates ) Written confirmation that interest accrual has been suspended during investigation Assurance that no negative credit reporting has occurred or will occur related to this disputed amount Comenity Banks refusal to correct or even investigate this charge demonstrates a pattern of unfair and deceptive servicing practices that warrant CFPB review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Company : Capital One Financial Corporation Product : Checking or savings account Issue : Managing an account -> Problem with a lender or other company charging your account Complaint Narrative : On XX/XX/year>, I purchased a Cashiers Check from my Capital One checking account ( ending in XXXX ) in the amount of {$41000.00}. 

I explicitly paid an additional {$20.00} fee for expedited " Overnight '' shipping to ensure delivery by XX/XX/year>, as confirmed by Capital One 's " Estimated Delivery '' notification. 

As of XX/XX/year>, the check has not arrived. XXXX tracking ( XXXX ) shows the package is delayed in Utah, despite the destination being XXXX, PA. 

I am filing this complaint due to Capital One 's negligence and Unfair/Deceptive Acts : Breach of Service Agreement : I paid a {$20.00} premium specifically for expedited oversight and delivery. Capital One accepted this fee but failed to deliver the agreed-upon service. When I contacted Customer Service on XX/XX/XXXX ( Agent " XXXX '' ) to rectify the delay, they refused to contact XXXX to trace the package, stating, " I am not allowed to do that. '' Negligence as Shipper of Record : As the entity that collected the shipping fee and initiated the shipment, Capital One is the legally recognized " Shipper of Record. '' XXXX will only accept trace requests/reroutes from the shipper. By refusing to contact XXXX, Capital One is taking payment for a service ( {$20.00} shipping ) while refusing to perform the administrative duties required to fulfill it. 
Unfair Practice ( UDAAP ) : Capital One has debited over {$41000.00} from my account and is holding these funds XXXX. They informed me I must wait XXXX days for a refund if the check is lost. It is an " Unfair Practice '' to charge a consumer for expedited delivery, fail to ensure that delivery, and then penalize the consumer with a XXXX-month wait time for the bank 's own logistical failure. 

Desired Resolution : Immediate Refund of {$20.00} Shipping Fee : The service was not rendered as sold. 
Carrier Intervention : Capital One must immediately contact XXXX to locate and expedite the package. 
Waiver of XXXX-Day Wait : If the check can not be located within XXXX hours, I request an immediate Stop Payment and reissue of funds to the dealership ( XXXX XXXX XXXX ) without the standard XXXX-day indemnity period, as the loss occurred during a paid service workflow managed by the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally dispute the collection account that Jefferson Capital Systems is reporting to the credit bureaus regarding an alleged debt from XXXX. Upon recently reviewing my credit reports for the intention of purchasing a home, I was shocked to find this collection listed. I have no knowledge or record of ever holding an account with XXXX, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC
State: CA

Complaint narrative:
This account was opened fraudulently and without my knowledge. I have made police reports and have filed with FTC, now consumer financial protection to get my life back on track since this identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES has harassed me about this account that I didnt open with them they have no written paperwork or documents showing that I have done business with them. They have called me over and over again after I have asked them to send everything through US Mail. and I never received anything. they put this on my report in XX/XX/year> in the amount of {$790.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cash app randomly shut my account down causing me to not receive part of my paycheck that I had direct deposited in there every week and I've had my account for this 3 years I think and I have used it for the same thing for the whole 3 years and all of a sudden I violated their terms of service but yet when I asked them how they can't give me an answer they say they don't have that information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: OH

Complaint narrative:
I woke up on XX/XX/year> to see my PayPal account drained of {$2800.00}. I called PayPal that morning and filed a claim stating my account was hacked and they said they would investigate. Today is XX/XX/year> I woke up today to emails saying they sided with the seller meaning they're not gon na refund my money. There were multiple transactions to different people of who I do not know. And my card was locked also on my account you have to use biometrics ( my fingerprint ) to unlock my card. These people were able to get into my account, add a card, change my address and drain my funds. After PayPal let my account get drained they send me an email saying my account is locked due to suspicious activity. Called customer service they helped me get back into my account and said they would investigate. So today XX/XX/year> I get the emails saying they sided with the scammer and a email saying my phone number was removed from my account meaning they still have access to my PayPal account.

Company response to consumer: Closed with monetary relief