vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have done a mobile deposit and sent a settlement check that I received from XXXX that I did the mobile deposit on and I never received any immediate funds of the {$270.00} from the deposit as per what federal law states that the bank is supposed to release to me and the bank refuses to give me that portion and insists that it takes XX/XX/XXXX days to verify. I offered to send the pay stub and all relevant information to Capital One bank and they said they did not want the information and after speaking with Capital One, they refused to release any funds due me and they did not seem to care about me having any of my funds. I offered multiple times to give the bank more information but Capital One refused the information and Capital One did not care about me getting any funds. This is XXXX of several remote deposits that I have done that are similar and Capital One released those checks. Capital One will not follow any banking guideline from the federal law stating release of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
Today I went to make a purchase I'm on vacation in XXXX and I discovered that my account is completely frozen. I spent hours speaking to customer service via chat and I was not given a satisfactory reason or a definite time when this will be resolved. They have left me alone stranded in a foreign country with no access to money, as I have no credit cards and no other bank accounts with adequate funds in them. The bank is called revolut and it is a very popular online bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: UT

Complaint narrative:
A negative reporting showed up again on my credit report for a debt not belonging to me. It is the same one that has been disputed previously several times and found not to belong to me, most recently, CFPB reported XX/XX/year>. Each time it is a different collection agency that keeps trying to collect on a debt. It keeps being sold to collection agencies for something that is disputed and resolved in my favor each time. Original creditor is XXXX. I have never had an account with them. The amount is always the same {$1100.00}. I have to dispute this every year. The credit collection agency this time is Harris & Harris XXXX. I have filed a dispute again with 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 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding Westlake Financials handling of my auto loan account following a medical hardship and repossession. 

Beginning XX/XX/year>, I experienced medical incapacity that caused a temporary interruption in income. I contacted Westlake to inform them of my hardship and attempted to make payment arrangements. I was prepared to bring the account current and resume regular payments. 

I was approximately {$2500.00} behind and was initially told reinstatement might be possible, but I would need approval. I was later informed reinstatement was denied and that only full payoff of the loan would be accepted. 

On [ XXXX ], my vehicle was repossessed despite my prior communications and efforts to make payment. 

Since the repossession, I have : requested hardship assistance and reinstatement attempted to pay the past-due balance and fees requested escalation to a supervisor and loss mitigation review been told conflicting information by representatives been denied access to a supervisor after extended hold times been told to call back instead of being transferred I am not refusing payment. I am requesting the opportunity to reinstate the loan and continue making payments. 

In addition, I have previously raised concerns regarding contract disclosures and account handling, which have not been addressed. 

Repossession and auction will cause significant financial harm and may result in a deficiency balance that could be avoided if reinstatement is allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: GOLDMAN SACHS BANK USA
State: RI

Complaint narrative:
This is a misrepresentation case. The product s not as described. I have photographic evidence. Goldman Sachs has repeatedly denied the dispute without addressing the evidence. I need this escalated to a senior specialist for manual review. purchased a product advertised as metal, but received cardboard The item was missing features shown in the ad ( handles ) provided photos The merchant misrepresented the product Goldman Sachs repeatedly denied your dispute for XXXX years believe the bank failed to follow proper dispute investigation procedures I am filing this complaint because Goldman Sachs has repeatedly denied my valid dispute for a purchase that was clearly misrepresented by the merchant. For the past XXXX years, I have attempted to resolve this through Apple Card 's dispute process, but Goldman Sachs continues to deny the claim without properly reviewing the evidence I provided. I purchased a car trunk organizer that was advertised as metal and shown with handles in the product photos. What I received was completely different : the item was made of cardboard, not metal, and it did not include the handles shown in the advertisement. This is a textbook case of " merchandise not as described. '' I submitted photos of the item I received, along with screenshots of the advertisement showing the metal construction and handles. Despite this, Goldman Sachs repeaterliv denied my dispute and did not address thi evodence I provided. I submitted photos of the item I received, along with screenshots of the advertisement showing the metal construction and handles. Despite this, Goldman Sachs repeatedly denied my dispute and did not address the evidence I provided. Their responses have been generic and do not reflect a meaningful investigation. I believe Goldman Sachs failed to follow proper dispute investigation procedures under the Fair Credit Billing Act. The merchant misrepresented the product, and I provided clear proof. Goldman Sachs has refused to correct the error or provide a reasonable explanation for the repeated denials. I am requesting that the CFPB require Goldman Sachs to : 1. Reopen and properly investigate my dispute 2. Review the evidence I submitted 3. Provide a written explanation of their prior denials 4. Issue a credit for thy misrepresented merchandise

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Sequium Asset Solutions reported a debt that I do not owe I called XXXX today XXXX the XXXX 2026 and I also called XXXX they gave these credit bureaus a full description of the debt I supposed to owe but I don't and they have yet to send me anything they gave them their telephone number and a full description of the debt that they think I owe they did not send me anything cuz they don't have my address and I'm being harassed by XXXX and XXXX and this debt collector I want this to be removed and I want them to stop harassing me about something that is not old I want to stop being harassed if you can not prove your debt and I want this removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I have a long history of responsible credit management. Ive never missed a payment, and I maintained an excellent credit score as a result of consistently paying all my obligations on time. 
Recently, I had a student loan payment become due, but I did not receive any notice or communication indicating that repayment had started or that a payment was required. As a result, the account became delinquent without my knowledge. This has significantly impacted my credit score, which is a major setback given my previously spotless payment history. 
As soon as I became aware of the issue, I immediately enrolled in a payment plan and paid the past-due amount. The account is now current, and I am committed to ensuring all future payments are made on time. 
Given my strong payment history and the lack of prior communication, I am respectfully requesting consideration for removal of the late payment reporting as aXX/XX/XXXXtime goodwill adjustment.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
This complaint stems from a scam perpetrated through a Discord selling platform. A legitimate user on the platform, posted a sports card for sale and a scammer, impersonating this same person ( same username, same user photo, etc ) messaged me to take care of payment on this item. Because of the rules of this platform, payment was to be sent via the Friends and family option on PayPal. This user was verified through the platform. Obviously the scammer was not. 

I sent the money and almost immediately realized it was the wrong intended recipient. I contacted PayPal within XXXX XXXX and they said because it was a friends and family purchase, they could not do anything. They recommended, in the most strenuous terms, that I contact my bank, Bank XXXX XXXX to put a stop payment on this purchase. The purchase was funded via my checking account. 

Bank XXXX XXXX agree with the assessment that this was fraud. They successfully stopped the payment as PayPal had recommended. Several days later, my PayPal account was showing a negative balance so I reached out to PayPal and was told " This matter will be resolved in your favor, It may just take a few days. '' After another week had gone by, I reached out to PayPal again ( because my balance was showing a negative amount ) and was told by a supervisor that the information I was given was incorrect. This matter will not be decided in my favor and I owe PayPal for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Lendbuzz Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I purchased a used vehicle advertised at {$27000.00} with representations of a clean history. I provided a {$5000.00} down payment. Despite this, the retail installment contract reflects an amount financed of approximately {$36000.00}. I was not provided with a clear explanation or disclosure justifying this difference, including any add-on products or charges.

After discovering the discrepancy, I sent a written demand letter requesting a full explanation and correction of the loan terms, as well as rescission of the transaction and reimbursement of amounts paid due to misleading disclosures at loan origination. The company did not respond to the written demand and provided no explanation or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S XXXX XXXXXXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sunbit, Inc.
State: TX

Complaint narrative:
XXXX Bank XXXX Sunbit Now, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Account Dispute and Hardship Request Agreement XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account and request review and dismissal of any collection activity associated with this financing agreement. 

This loan was obtained to pay for dental services through XXXX XXXX XXXXXXXX XXXX XXXX. Unfortunately, I am dissatisfied with the dental results and the services provided did not meet reasonable expectations for the treatment financed. Because the services were incomplete and/or unsatisfactory, I am disputing the validity of the balance being collected. 

Additionally, I am currently experiencing financial hardship that has made it difficult to maintain payments. This hardship was not intentional and reflects my present financial circumstances rather than a refusal to resolve the account. 

Under consumer credit protections applicable to financed services, I am requesting the following : Investigation of the account and the services provided by the dental office Validation of the debt and documentation supporting the balance claimed Temporary suspension of collection activity during the investigation Consideration of account adjustment, settlement, or dismissal due to service dispute and hardship Please note that this letter serves as a formal notice of dispute. I request written confirmation that this account is being investigated and that collection reporting is paused while the matter is reviewed. 

I am willing to cooperate in good faith toward a reasonable resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I entered into a {$48000.00} solar installation loan ( installment loan ) originated at point of sale by the XXXX. I was induced to sign based on specific written promises : monthly utility bills of {$2.00}, total monthly cost of {$140.00}, 113 % energy offset, and a XXXX hybrid water heater included in the contract. 
The actual results have been fraudulent on every measure. My utility bills average $ XXXX ( 8,814 % higher than promised ). My total monthly cost is $ XXXX ( 167 % higher than promised ). The water heater was never delivered now 42 months overdue. Instead of {$75000.00} in promised savings, I am on pace for a {$9300.00} loss. I would pay less in monthly costs without the solar system entirely. 
In XX/XX/XXXX, the lender called me to inform me my payment was increasing from {$140.00} to {$210.00} per month ( a 44 % increase ). During that call I disclosed both breaches to the lender the undelivered water heater and the failure to achieve promised utility savings and I asked to exit the loan. The lender 's representative told me " that's not on us '' and directed me to contact the XXXX. The XXXX was already out of business. The lender did NOT inform me of my rights under the FTC Holder Rule ( XXXX CFR XXXX ), which makes the lender directly liable for XXXX breaches when the required FTC notice appears in the loan documents. 
The lender then raised my payment anyway and collected {$4600.00} at the higher rate from XX/XX/XXXX through XX/XX/XXXX knowing I had disclosed the breaches and requested discharge. This constitutes retaliation for asserting my legal rights, fraudulent concealment of my FTC XXXX XXXX protections, and bad faith collection. 
I sent a formal written dispute via certified mail on XX/XX/XXXX demanding complete discharge under the FTC XXXX XXXX. I have documentary evidence of the XX/XX/XXXX call including a follow-up email from the lender 's representative dated XX/XX/XXXX confirming the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : CHARGED OFF XXXX XXXX XXXX Account # XXXX Opened XX/XX/year> Balance {$9400.00} I am disputing the accuracy of this charged-off account. Please provide : The original signed agreement Complete payment history Date of first delinquency Documentation showing how the balance was calculated If this information can not be provided or verified, I request that this account be removed from my credit report. 

XXXX XXXX inquiries listed for Equifax. 

LATE PAYMENTS XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX Please provide full payment history for these accounts and confirm whether the reported late payments are accurate. If they can not be verified, they should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 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: FL

Complaint narrative:
XXXX XXXX is refusing to process or review a credit card billing dispute. 

While traveling in XXXX, I made a purchase from XXXX XXXX vendor on XXXX for XXXX small souvenir magnets. There was no posted pricing and no receipt was provided or available. After the transaction posted, I discovered I was charged approximately {$80.00}. This amount was not disclosed or agreed to at the time of purchase, and I would not have completed the transaction had that amount been clearly stated. 

I attempted to resolve the issue directly with the merchant on XX/XX/XXXX by calling ; however, the merchant did not speak XXXX. Due to the nature of the transaction and the language barrier, resolution with the merchant was not possible and a receipt could not be obtained. 

As such, I filed a dispute on XX/XX/XXXX with Wells Fargo. On XX/XX/XXXX I called WellsFargo at their request to provide additional information and the representatives and supervisors have repeatedly refused to process or review the dispute solely because a receipt is unavailable, stating that nothing can be done without a receipt. This effectively denies dispute protections for transactions where receipts are not available, including street vendor transactions. 

Additionally, Wells Fargo XXXX stated that disputing the charge as not authorized for the amount charged would constitute fraud, despite the transaction itself occurring and the dispute relating solely to the undisclosed and excessive amount charged. This statement is incorrect and prevented proper consideration of the dispute. 

I am not refusing to pay for the items purchased. I am disputing only the excessive portion of the charge and am willing to pay a fair and reasonable amount consistent with the nature of the items. 

I am requesting that Wells Fargo properly review this billing dispute under applicable credit card billing dispute protections and provide a written explanation of its refusal to do so if it continues to deny review.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I permanently closed my XXXX credit card account. After closure, I received a statement for {$9.00} that was never disclosed before. Comenity refused to remove the charge. This is residual/trailing interest applied after closure. I am requesting a refund and written confirmation that the account is closed with a {$0.00} balance and no future charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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