vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: TX

Complaint narrative:
I have used Capital One XXXX for years. On or around XXXX XXXX XXXX immediately after I attempted to redeem approximately {$2000.00} in Shopping Rewards for a XXXX XXXX gift card, Capital One Shopping terminated my account without prior notice and wiped my rewards balance. 

At the time of termination, my account reflected approximately {$2800.00} in earned rewards and about $ XXXX pending from recent XXXX XXXX promotions, including purchases aXXXX XXXX XXXX XXXXXXXX. A significant portion of the earned rewards appeared tied to purchases made more than XXXX months earlier and had been visible in my account for an extended period before being confiscated. 

The companys response was a template termination email citing broad Terms of Service language about activity that resembles reselling and stating they XXXX cancel accounts and withhold or revoke rewards at their discretion. They have not identified any specific transaction or provided evidence of fraud, multiple accounts, referral abuse, bots, or automation. 

My purchase volume is high and may resemble reseller behavior, but my purchases were legitimate and made through one account. I relied on Capital One Shoppings advertised promotional cash-back when routing purchases through their links. I am disputing the retroactive forfeiture of rewards shown as earned and pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
A rental debt appeared on my credit report more than two years ago, stemming from the cost of repairs to the apartment where I lived as a roommate for a time, for an amount of {$2500.00}. There were three people on that lease, but I'm the only one willing to pay it. They want to reach an agreement on the amount to be paid, but they don't want to give me any written confirmation or document stating that an agreement has been reached. They just want me to pay without any guarantee that they will remove the debt from my credit report and provide me with a payment release. I need written confirmation of the agreement so I can rent another place. I have the collector 's phone number and the account number they assigned me, but every time I call, the woman who answers treats me very disrespectfully and then claims I'm the one being rude. That's why I'm seeking legal help and guidance. I'm willing to pay the debt, but I need written confirmation that a payment agreement has been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
My educational and financial records were compromised in a privacy breach. This breach may violate FERPA, FCRA, and federal loan privacy rules. My student loan servicer has not provided sufficient verification or documentation that my loan records, balances, or credit reporting were not impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Evergreen Financial Services Inc.
State: VA

Complaint narrative:
Evergreen Financial XXXX is calling my phone once an hour every hour every day from different phone numbers. We do not need financial aid and are not seeking a loan and these calls are an absolute disruption at work and in life in general. 

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Company response to consumer: Untimely response
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: eCon Credit LP
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not XXXX XXXX accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: eCon Credit LP
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.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I NOTICED ON MY CREDIT REPORT THAT I WAS LATE ON THE MONTH OF XX/XX/year> IN THE ACCOUNT THAT I HAVE WITH MY MORTGAGE COMPANY. 
XXXX/COOPER.

I CALLED AND ASKED TO PLEASE FIX THIS ISSUE., THEY MENTIONED THAT THEY WILL ESCALATE THE PROBLEM, BUT ARE STILL REPORTING IT AS LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
She provided me with the document and said that I need to contact the business office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
When attempting to settle debt collection payments, agent was belligerent to me and falsely accused me of fraud payment versus asking if I had made a payment prior to calling on XX/XX/XXXX. Upon reaching a settlement with the company owed, I asked for a settlement letter to be sent once I paid two payments of {$2000.00} ( on XX/XX/XXXX & XXXX XXXX ) & they said they could not send me a letter proving I had settled the debt. I have contacted them by email as well multiple times including today ( XX/XX/XXXX ) & I have received no response about the matter. I am very disappointed in how this was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am filing a complaint against Westlake Financial regarding my auto loan ( Account No. XXXX ). Since XX/XX/XXXX, Westlake has repeatedly blocked my online/app access to make payments before I ever became 30 days late. Each time this happens, I am forced to call a live agent and pay a mandatory {$5.00} fee even when using my checking account. These fees do not appear on my billing statements, which means they were collected but not disclosed. I recently learned that these practices are not legally permissible.

Westlake has also applied late fees before the XXXX day, which violates federal delinquency timing rules. A payment due on the XXXX does not become 30 days late until the next XXXX, and a late fee can not be charged until XXXX XXXX. Despite these issues, I have never been 30 days late, and my credit report shows no late payments from XX/XX/XXXX through XX/XX/XXXX. 

Westlakes conduct violates Regulation Z ( improper disclosure, blocking reasonable payment methods, and premature late fees ), UDAAP ( unfair, deceptive, and abusive practices ), federal late-fee timing rules, and billing accuracy requirements. This has happened at least five times over four years, and possibly more, but the fees do not appear on my statements so I can not verify the full number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
box ) This debt is NOT mine. I am a confirmed victim of identity theft. The IRS has an active identity theft flag on my account, and I was issued an IRS Identity Protection PIN to stop further fraudulent use of my personal information. Someone has repeatedly used my identity in the past, including filing false tax returns and using my information at medical facilities without authorization. 

Central Portfolio Control is reporting a medical collection from XXXX XXXX XXXX XXXX XXXX XXXX for {$2000.00}. I have never received medical services from XXXX XXXX and never authorized this debt. This is another instance of identity theft. My credit reports are currently frozen due to prior fraud, and no new accounts should have been posted without verification. 

Under FCRA XXXX and XXXX identity theft protections, any information resulting from identity theft must be blocked and removed. This collection agency is attempting to collect on fraudulent debt and refuses to acknowledge identity theft. This reporting is harmful, inaccurate, and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: IL

Complaint narrative:
Company : XXXX XXXX XXXX : XXXX XXXX Vehicle : 2022 XXXX XXXX XXXX XXXX repossessed my vehicle based on a contract that was induced by dealer fraud and material misrepresentation. I purchased the vehicle from XXXX XXXX XXXX under the belief that it had a clean and normal title, as explicitly represented to me at the time of sale. 
After the repossession, I pulled the VIN history and discovered the vehicle had a salvage/insurance-loss title, including a total-loss event from 2022 and multiple accidents. This information was never disclosed by the dealership, despite being a legally required disclosure. 
The lender repossessed the vehicle under a contract that is void due to fraud. XXXX is now reporting derogatory marks on my credit related to this repossession. 
This constitutes : Reporting inaccurate/incomplete information Taking adverse action based on an invalid contract Failing to review or verify the true condition of the collateral

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Sallie Mae sent me a payment book with the wrong mail to address on it. Resulting in late charges and accrued added interest charges and would not correct the problem for a year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am formally disputing the inaccurate and unverified information that Bank of America is reporting regarding account # XXXX. I previously notified the furnisher of this dispute, yet they failed to conduct a reasonable investigation or provide any verification within the timeframe required by FCRA 1681s-2 ( b ). Because the furnisher has not validated or substantiated the accuracy of this account, the information appearing on my credit report is unverified, inaccurate, and being furnished in violation of federal law. Under FCRA 1681i, any information that can not be verified must be deleted from the consumers file.

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 2025-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: CA

Complaint narrative:
I purchased a blow dryer through XXXX using Klarnas Buy Now, Pay Later service. The item stopped working after only three normal uses and is completely defective. I contacted the XXXX seller, but they have not responded at all. I then contacted Klarna multiple times requesting a refund or dispute resolution, but Klarna has not provided any meaningful assistance, updates, or escalation. 

I have photo and video evidence showing the blow dryer plugged in and not turning on, as well as screenshots of my attempts to contact the seller and Klarna.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NY

Complaint narrative:
XXXX agreed to consolidate several XXXX lines under my ownership into XXXX account so I could receive the lower multi-line rate. They quoted me this lower rate and told me the consolidation would proceed once an old fraud flag on my account was cleared. XXXX also said they would notify me when the fraud review was completed and instructed me not to make payment while the review was pending. 

XXXX never notified me in a way that allowed consolidation to occur. Instead, over the following year, my line was repeatedly suspended because I continued to be billed at the higher single-line rate, the same rate XXXX had XXXX agreed would not apply once consolidation was completed, and which they had told me not to pay during their review. Each suspension required extensive calls and transfers between departments, only to be told again that I should not make payment until XXXX resolved the fraud and billing issues. 

I eventually learned, only incidentally during yet another suspension-related call, that the fraud case had been closed. I then set aside time to complete the consolidation, but XXXX refused to proceed unless I paid a balance that exists solely because consolidation was never completed. That balance is the direct result of XXXX internal delays and process failures, not my actions. Despite being told XXXX XXXX not to pay during XXXX review, and despite having an active billing dispute, XXXX sent the disputed amount to a collection agency ( XXXX XXXX ). 

The amount in collections is not a legitimate debt. It resulted entirely from XXXX failure to carry out the consolidation and pricing they originally offered.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recuvery LLC
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a formal debt validation request to XXXX Advising regarding a collection account appearing on my credit report under the name XXXX XXXX. The letters were sent to both the XXXX and New York addresses for XXXX Advising, and I have XXXX proof of delivery. 

XXXX XXXX did not respond to my request for validation within 30 days as required. Instead, on XX/XX/XXXX and XX/XX/XXXX, I received text messages from a company called XXXX XXXX claiming the account was transferred to them and demanding payment of {$1000.00}. The balance they claimed was different from what appears on my credit report and what XXXX XXXX previously stated. 

Neither XXXX XXXX nor XXXX XXXX has provided any validation, documentation, contract, itemization, or proof of assignment. Despite this, the account is being reported monthly on my credit report under the name RECUVERY LLC. 

This debt has not been validated, yet collection attempts continue through text messages and credit reporting. I am requesting a full investigation, validation of the debt, and removal of any unverified negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
XXXX XX/XX/year>... I contacted XXXX XXXX concerning the dept being reported to credit bureau 3 times this afternoon and received 3 different answers from three different supervisors. Last names XXXXXXXX XXXX XXXX Requested all information pertaining to dept being reported to XXXX XXXX. I requested email response regarding contact and conversation of dept. No email ever received after they stated I would be recieve email or emails in reference to conversation of dept. I requested for them to stop reporting inaccurate information to credit bureau. Improper dates, also it's been reported as an open collection account monthlXXXX XXXX XXXX has never reached out to me through mail or email pertaining to this dept. Yet they claim original dept was acquired with the use of my email address, in XXXX with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I requested a loan online and was told I was approved by this company for the {$1200.00} that I requested. I was never told any interest rate and assumed it complied with local laws. After 4 paychecks I assumed the loan was paid off and another debit occurred from my account for {$320.00}. This was the XXXXXXXX XXXX inside of XXXX. I called the number on the bank and some employee Ira tells me the loan interest rate is over 769 % and the payoff amount is the same as my original loan count which is completely illegal. I told them they are no longer authorized to debit via ACH and that I would be reporting them.

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 2025-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XX/XX/year>, I was directed by an employee of XXXX XXXX Bank, XXXX, Ohio to return a vehicle to the dealership, due to possible Shenanigans by the dealership, XXXX XXXX, XXXX. That they would ; " have to buy the vehicle back '' Said vehicle had been in my possession for XXXX days. On XX/XX/year>, I did exactly that. I had been assured it would not affect my credit. Which had been XXXX. 
Later XXXX acted as if that had not happened. Any recordings of my earlier phone conversations with XXXX on XX/XX/year> were lost/destroyed or not investigated. 
My above mentioned credit score of XXXX dropped to under XXXX. 
XXXX was the lienholder. An employee of XXXX  in customer service instructed me to return the vehicle.I did. XXXX received their collateral, driven less than XXXX miles. 
Now it comes up on my credit report that I owe a tremendous of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have had this card with GM since 2023 with a credit limit if XXXX. It was then transferred to Barclays. Ive never missed a payment on this card except XXXX recently going through a relationship separation. I made a large payment to the card which almost paid it off. They went and lowered my limit to {$1300.00} without telling me which effects my credit and defeated the entire reason for me to get it to help my credit. They tried telling me they do periodic credit checks to monitor which I call XXXX because my credit has been the same for at least the last year. It's been close to the limit due to going through divorce but I got it paid down. I firmly believe they did this only because I went and paid it down with a large payment which should be illegal.

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