vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was job searching and came across an XXXX job ad for appointment setting, which led me to the company called XXXX XXXX. I met with many people through the boarding process on XXXX  with inconsistent explanations about the job role. I'm asked for my credit score so I can apply for a credit card to make payments for training when the ads said training is provided. I applied for a XXXX XXXX XXXX XXXX card that can make high transaction amounts and they made me pay XXXX installments of {$2000.00}. When I got on the boarding process, it didn't turn out to be a job but XXXX XXXX acts as an online sales education program where we have to pay for the education. They did a bait-and-switch tactic advertising as a job with provided training and turn out to be something different going in when I have to pay for training. They act as a pyramid scheme where those who get on board, our job is to get others on board, and that's the essence of a " sale ''. Our requirement is to make XXXX calls, texts, and emails called " touchpoints '' daily from their lead list. We also have to attend daily meetings at XXXX XXXX XXXX. We also make weekly XXXX appointments with a coach. We take screenshots of all our activity for 60 days, and when we're done, we can get our {$6000.00} back. Some practices I've been encouraged to do is download calling apps like XXXX XXXX, XXXX, XXXX to perform the tasks. This would be the same for anyone else thinking they're part of the online sales education program being influenced by their coaching. I've been doing this for a month and didn't feel safe with the work I've been doing as I've been threatened and cursed by people and accused for scamming people, realizing I've been doing wrong work. I disputed my {$6000.00} installment transaction with Capital One and they're not ruling in my favor because I had received some or part of the services, which they will not favor me from a legal standpoint that XXXX has conducted business malpractice.

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

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

I dispute the validity of this debt and request full validation. Please provide the following : XXXX. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges XXXX. The name and address of the original creditor XXXX. Copies of any documents bearing my signature that show I agreed to assume this debt XXXX. Proof that you are legally authorized to collect this debt in my state XXXX. A complete payment history of the alleged account Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this account with any consumer reporting agency. 

If this debt has been reported to any credit bureau, please note that it is disputed. 

Thank you for your cooperation. 

Sincerely, * * XXXX XXXX * *

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

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX mismanagement of a dispute for {$4800.00} against merchant ( XXXX ) Details of dispute : Claim XXXX XXXX XXXXXXXX Amount : {$4800.00} Filed on : XX/XX/XXXX Reason for dispute : Merchandise defective or not as expected Dispute submitted to merchant : XX/XX/XXXX Provisional credit received : XX/XX/XXXX Acknowledgement of dispute from Merchant Received : XX/XX/XXXX Following transaction details XXXX XXXX  Order number XXXX  XXXXXXXX XXXX Order date : XX/XX/XXXXXXXX XXXX Delivery date XXXX XXXX XXXX Disputed amount XXXX XXXX XXXX XXXX  Payment type XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX  Items in the order XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for XXXX XXXX XXXX of Negligence : Service/Delivery Date XXXX XXXXXX/XX/XXXX. 

Reason for raising dispute : The merchandise was missing from the delivery. 

Context : The merchant ( XXXX ) has made a delivery at my residence on XX/XX/XXXX for an order that I've placed on XX/XX/XXXX. I found out that the merchandise was missing and immediately notified XXXX. I was asked to produce a police report to further help me with the issue. Upon filing a police report with my local PD in-person and producing the same to XXXX, XXXX ( merchant ) failed to take any action. 

I've reached out to Wells Fargo and have I've raised the dispute on XX/XX/XXXX ( Timely notification under XXXX ). 

XXXX  XXXX : Wells Fargo 'stalled ' me for over XXXX  months, keeping the claim under internal review without action. They did not submit the dispute to the merchant/network until XX/XX/XXXX. I've made several attempts to follow-up and have asked the reason for such delay as XXXX  months is an unreasonable amount of time. To their benefit, I've submitted ample amount of evidence such as Email exchange with merchant, XXXX details, Police report etc. at the time of opening the dispute, which didn't help to submit the dispute to merchant in a reasonable timeframe. 

The Harm Caused : As I understand, XXXX XXXX has XXXX  day limit to file chargebacks. By waiting until XX/XX/XXXX ( Day XXXX of the XXXX limit for XXXX  network ) to file the chargeback, Wells Fargo has XXXX destroyed my safety margin. The standard XXXX dispute window expired on XX/XX/XXXX. If I lose the dispute, I've effectively lost the right to 'Pre-Arbitration ' or appeal, effectively destroying my consumer rights due to the bank 's administrative failure.

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 2026-01-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Re : CFPB Complaint Rebuttal Account : XXXX To Whom It XXXX Concern, This letter serves as my formal rebuttal and dispute of the response dated XX/XX/XXXX, issued by Nelnet regarding the above-referenced federal student loan account.

While Nelnet asserts that the loan is valid, enforceable, and accurately reported, material issues remain unresolved, and your response does not fully satisfy the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) nor applicable federal servicing standards.

1. Dispute of Account Accuracy I dispute the accuracy, completeness, and legal enforceability of the balance claimed to be {$29000.00}, including : How a 1991 FFEL loan disbursement of {$2600.00} allegedly resulted in a balance exceeding {$29000.00} A complete itemized accounting showing : Capitalized interest events Fees assessed Accrued interest calculations Consolidation payoff application A generalized balance statement does not meet FCRA accuracy standards.

2. Dispute of Consolidation Accounting Your letter states the original loan was paid in full by a XXXX Federal Consolidation Loan, yet the account remains active with a substantial balance. 
Please provide : Proof of lawful transfer of liability from the FFEL loan into the consolidation loan A payment ledger demonstrating how consolidation funds were applied Documentation showing that no double-counting or re-aging occurred Absent this, the account is unverifiable. 
XXXX. Master Promissory Note ( MPN ) Insufficiency While you reference an MPN and electronic signature : The provided MPN does not identify the specific loan disbursements at issue It does not establish that the current balance claimed is contractually authorized Redacted documents prevent meaningful verification An MPN alone does not prove the accuracy of the amount reported.

4. Dispute of Credit Reporting Under 15 U.S.C. 1681s-2, furnishers must report information that is complete, accurate, and verifiable.

Until the above documentation is produced : Continued reporting of this account is disputed Any reporting of delinquency, past-due status, or balance is premature and misleading 5. Requested Action I formally request that Nelnet : Conduct a reasonable reinvestigation Provide complete documentary verification of the balance Suspend negative credit reporting pending verification Correct or delete any unverifiable or inaccurate information If these issues can not be resolved, I request escalation to the XXXX XXXX XXXX XXXX for XXXX XXXX. 
Reservation of Rights This letter does not constitute acknowledgment of liability, waiver of defenses, or acceptance of the debt as valid. 
Thank you for your prompt attention. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I hereby state that the company referenced is attempting to collect a debt that does not legally belong to them. 

I have never signed any contract, agreement, or document with this company that would obligate me to pay the debt they are attempting to collect. At no time have I authorized this company to act as my creditor, nor have I assumed any financial obligation toward them. 

Despite this, the company has continued its collection attempts, including repeated phone calls and, on certain occasions, the use of abusive and inappropriate language. Such conduct constitutes improper and potentially unlawful debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have been paying the minimum or above since XXXX and have not had any charges since then but my balance has still gone up and not decreased. The balance has been over the limit even though there has not been any new charges and no missed or late payments. I am on XXXX and requested a lower interest rate and was referred to a debt management program company. The company sent a proposal but the Discover has not accepted it and keeps adding interest to the balance even though multiple payments and no charges have been posted to the account. The balance does not add up when you do the math.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have a XXXX balance at a 29.74 % interest rate. That was not the interest rate when I opened this card back in XXXX. This is ridiculous you cant get the dang thing paid off. XXXX goes to interest every month. 

SYNCB/Amazon XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2026-01-01 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: Portfolio Recovery Associates, LLC
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 100 % 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 credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX somehow, someone took and replaced {$1800.00} from my bank account to the Avant credit card and immediately started trying to spend it! Successfully making a few transactions of {$47.00}, {$16.00}, and {$250.00} as well as adding a late fee of {$39.00} for paying my payment 3 days late while disputing these charges and another charge of {$100.00}. Avant has stated that I must wait 10 days to dispute while hiding charges until I called them out on it and now replacing the statement pages so that I can see the fraudulent transactions and here we are XXXX and they have done nothing to resolve this matter while trying to charge more late fees because I told them I am not paying another payment until they fix my account! I have called and spoken to them 4-5 times, sent 3-4 emails, and mailed them all of the evidence via certified mail yet they continue to ruin my credit and add late fees to the account! I feel like they know what happened and maybe even had something to do with stealing my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: MN

Complaint narrative:
I have been using earnin for about 2 years. I have never been late or not had the funds to pay back. My repayment date was tomorrow XX/XX/XXXX but the money was taken out of my account XX/XX/XXXX at XXXX XXXX. They said because the transactions are still processing they can not do anything and that the money is not taken out because the status is pending. But if it is pending then why is my account balance negative? They also said there was nothing they could do to help me and that I need to take it up with my bank. When a company says your repayment date is XX/XX/XXXX which is not a holiday I do not expect it to be taken out XX/XX/XXXX. Whether or not the transaction is still pending it is out of my account and in earnins. They say the same thing over and over again but no help is provided and now I am overdrawn until my payday tomorrow which is when earnin was supposed to take their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
net credit approved me with a line of credit for {$900.00} then they set me up for payment to be paid back every XXXX XXXX  when I had it setup for monthly I tried to pay the payment every XXXX XXXX  but it's not working out with my paycheck schedule I have tried talking to net credit that the payment plan wasn't going to work instead of asking me if a monthly plan would be a better option they sent the behind payment to their collection department that is threatening me if I don't get the behind payments caught up they would be garnishing wages from my employer the reviews with this company is right on the nose about complaints about this company and never get a loan what I have read they use predatory lending to scare people if you don't do what they say and this shouldn't never be allowed to go on and something needs to be done with loan companies I will make my monthly payment if you can get them to do what they are supposed to do without using predatory lending scare tactics on their customers and this is what they are using on me and it's not right

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

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding a XXXX late payment reported on my XXXX XXXX XXXX XXXX account, which was assessed in error due to procedural barriers in XXXX XXXX account closure process. 

I attempted to close my account on XX/XX/year>, and again on XX/XX/year>, following all instructions in XXXX automated phone system, including pressing options XXXX and XXXX. I called from the phone number on file with XXXX, which, according to their own instructions, should not have required additional verification. Despite following the process exactly, the account did not close. I have voice recordings and call logs confirming that the system failed to process the closure. 

XXXX XXXX website instructs users to log in to chat for support for account assistance. However, this feature does not provide the ability to speak with a human, and can not be used to close an account. This misleading instruction created additional barriers to account closure, forcing me to rely solely on a phone system that failed to work as promised. 

I was finally able to close the account on XX/XX/year>, during time off for XXXX XXXX XXXX that I had set aside to spend with family. By that point, however, XXXX had already assessed a XXXX late payment through no fault of my own, caused solely by the procedural limitations and misleading instructions of their system. 

XXXX XXXX published policy states : You can close your account at any time. If you contact us before your payment becomes XXXX  days late, your account can be reported as closed and paid in full rather than late. 

Because the system blocked closure despite my compliance and following all prompts, including from my registered phone number, the XXXX late payment was not due to neglect or refusal to pay, but rather a failure of XXXX XXXX own procedures. 

Call logs and voice recordings from XX/XX/year>, and XX/XX/year>, showing I followed all automated instructions Confirmation that calls were made from the phone number on file Screenshots of XXXX  automated phone system prompts, confirming closure steps Documentation showing the websites log in to chat for support feature does not allow speaking with a human or closing accounts XXXX published policy allowing closure prior to XXXX  days late Legal protections : FCRA : Reporting a late payment caused by procedural failure is inaccurate Contract/TILA : XXXX  policy constitutes part of the agreement; failing to follow it is a breach XXXX  : Blocking account closure despite following instructions, and providing misleading directions, constitutes an unfair or deceptive act

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MN

Complaint narrative:
I had a longstanding credit card account with Discover : opening on XX/XX/XXXX. 

In XXXX I was admitted to the hospital for a medical emergency that resulted in a long hospital stay. Discover was notified about this and assurance was given that the credit card account would remain in good standing and would remain open. I set up an automatic payment while on the phone with a Discover representative and again was told my account is in good standing and can be used without a problem. A minimum of 4 times I was notified that my account was past due. I spoke with a representative each time asking why my account is late when they set up a automatic payment per my request. The reps were unable to answer why the automatic payments kept being undone and we would set it up again. 

Last year I had paid off my credit card and went to do balance transfers and was unable to complete this action. I called numerous times speaking with reps on why I was unable to use my card. They were not sure and said they dont understand why my {$12000.00} credit limit couldn't be used. I requested to speak with a manager and was told they wouldn't be able to see anything different. I asked for an explanation in writing and how it was going to be resolved and explained I was going to transfer balances onto my Discover. I asked that each rep put detailed information about the call in my account. 

Because I was a " excellent '' card holder the late payments were supposed to be removed from my credit report. When that was not completed I did a dispute. At that time they closed my account.

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

Complaint narrative:
Heres a * * Debt Validation Letter * * you can use to request proof of a debt under the * * Fair Debt Collection Practices Act ( FDCPA ) * *. This is typically sent to a * * collection agency * *, not the original creditor. 

You should send it * * within XXXX days * * of first being contacted, and mail it * * certified with return receipt * *. 

-- - # # Debt Validation Letter ( Template ) * * XXXX XXXX * * XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2026 * * Capital one * * Re : Request for Debt Validation * * * * XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

I dispute the validity of this debt and request full validation. Please provide the following : XXXX. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges XXXX. The name and address of the original creditor XXXX. Copies of any documents bearing my signature that show I agreed to assume this debt XXXX. Proof that you are legally authorized to collect this debt in my state XXXX. A complete payment history of the alleged account Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this account with any consumer reporting agency. 

If this debt has been reported to any credit bureau, please note that it is disputed. 

Thank you for your cooperation. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with non-monetary relief