vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint regarding Capital Ones decision not to authorize early direct deposit funds on XX/XX/XXXX, despite the deposit being received and processed by Capital One and despite other financial institutions releasing the same deposits to consumers on that date. 

Capital One advertises early direct deposit as a benefit that allows customers to receive their pay up to XXXX days early when funds are received. In this instance, Capital One chose not to release the funds on XX/XX/XXXX without providing clear notice, explanation, or advance disclosure to customers. As a result, customers were denied access to wages that were already received by the institution. 

Key Concerns : Capital One had possession of the funds but elected not to make them available. Other banks and credit unions released identical direct deposits on XX/XX/XXXX, demonstrating that the delay was not caused by the employer or payment originator. Capital One provided no prior notice that early direct deposit would not be honored on XX/XX/XXXX. The decision appears discretionary and inconsistent with how the early direct deposit feature is marketed to consumers. This lack of transparency caused financial disruption, including delayed bill payments and end-of-year financial obligations. 

Why This Is Harmful to Consumers : Early direct deposit is marketed as a reliability and budgeting tool. Capital Ones unexplained refusal to release fundsdespite having already received themundermines consumer trust and creates financial hardship, especially at year-end when many consumers rely on timely access to wages.

If Capital One reserves the right to selectively withhold early direct deposits based on internal policies or calendar dates, this limitation should be clearly disclosed upfront so consumers can make informed banking decisions.

Requested Resolution : A written explanation of Capital Ones policy regarding early direct deposit availability on XX/XX/XXXX and similar dates. Clear disclosure to consumers about when early direct deposit may not be honored. Review of whether this practice constitutes unfair or deceptive treatment under consumer financial protection standards. 

I am requesting that the CFPB review this practice for fairness, transparency, and consistency with consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MD

Complaint narrative:
I am an XXXX XXXX XXXX XXXX currently XXXX overseas. I have been in a transitional military status since XXXX ( moving through XXXX XXXX, XXXX, and now XXXX ), which has made accessing physical mail at my home of record impossible. 
I am filing this complaint because Edfinancial Services is reporting factually contradictory and non-compliant information on my credit report.

1. The Factual Error : My credit report ( Experian ) explicitly lists the status of my accounts as " Open. Deferred '' with payments not scheduled to begin until XX/XX/XXXX. However, in the payment history section, Edfinancial is simultaneously reporting that I am 180 days past due for the months of XXXX, XXXX, and XX/XX/XXXX. 
XXXX. Legal Impossibility : Under the Fair Credit Reporting Act ( FCRA ), a data furnisher must report accurate information. It is logically and legally impossible for an account to be " Deferred '' ( where no payment is required ) and " 180 days late '' at the same time. If the account is deferred, no delinquency can exist.

3. Action Taken : I have reached out to Edfinancial via their Secure Message Center on [ Today 's Date ] to provide my military XXXX orders and request a correction. I am escalating this to the CFPB because these severe reporting errors occurred while I was in a protected military status and they are causing significant damage to my creditworthiness while I am XXXX. 
4. Requested Resolution : I request that Edfinancial retroactively correct my entire payment history to " Current/Never Late '' for the duration of my XXXX XXXX service ( XXXX to present ) and remove all XXXX, XXXX, XXXX, and XXXX late marks immediately to reflect the actual deferred status of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
So I was offered a bank back loan instead of a federal loan and was not offered pell grants. Also, there was mismanagement of the loan during covid time. This loan should have been on ibr instead of emergency covid or forebearances. This loan should be dissolved. The very fact that I was not offered regular federal loans too as well as these loans accrue interest fast compared to others. This is very deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: NE

Complaint narrative:
XXXX is claiming that I owed money for a XXXXXXXX XXXX XXXX However I provided their collection attorneys with all of my insurance information that showed that my deductible and out of pocket expenses had been met prior to the XXXX and that XXXX was actually overpaid. It appears that the original attorneys for this debt then sold the debt to XXXX and they are now attempting to collect this debt. I was insured with XXXXXXXX XXXX XXXX and sent screen grabs of all of my medical expenses that showed that my out of pocket spend max was spent prior to the XXXX I had at XXXX. It appears that they wrote off the debt as a bad debt and then it was sold/purchased by XXXX

Company response to consumer: Closed with non-monetary relief
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: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Spring Oaks Capital , LLC AccounXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the accuracy and verifiability of the following account that appears on my consumer credit report : Creditor : Spring Oaks Capital , LLC Account Number : XXXX This account is being reported without proper documentation and is inaccurate and unverified. I have requested that the furnisher provide a copy of the original signed contract or agreement bearing my signature, as well as proof of their legal authority to collect and report this debt. To date, no such documentation has been provided.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681a, 1681i ), you are required to ensure that all information reported is complete, accurate, and verifiable. A billing statement, computer-generated record, or generic account summary does not constitute proper verification of a contractual obligation.

Because the furnisher has failed to provide competent evidence of : A valid, signed contract, Legal ownership or assignment of the alleged debt, and Accurate accounting of the balance, this account can not be verified as required by law.

Accordingly, I request that you : Conduct a reasonable reinvestigation of this account, and Delete this account from my credit report if the furnisher can not provide proper verification as required by the FCRA.

If this account is verified without the production of the original signed contract and proof of authority, please provide me with a description of the procedures used to determine the accuracy of the information, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

This dispute is not an acknowledgment of liability, nor a refusal to pay, but a formal notice that the information being reported is inaccurate and unverifiable. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

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 — Installment loan
Issue: Getting the loan — 
Company: Sezzle Inc.
State: IA

Complaint narrative:
I am having an issue opening up an account with Sezzle and XXXX XXXX XXXXnline on Sezzle and XXXX XXXX website. I have never opened or had any previous accounts with XXXX XXXX or Sezzle. I am a victim of identity theft. Someone used my personal information to open up a fraudulent account with Sezzle and XXXX XXXX  online. The Sezzle and XXXX XXXX accounts are fraudulent and not my accounts. I want to open up my own account with Sezzle and XXXX XXXXXXXX. I want XXXX XXXX  and Sezzle to immediately investigate this matter and let me know when I can reapply for a Sezzle and XXXX XXXX account for the first time with my personal information. Full Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV FINXACT CORE
State: AR

Complaint narrative:
I was issued a refund from the merchant said that they would it would take up 7 days for my refund to be back in my account I've talked to supervisors from the bank numerous times All of them was very unprofessional and told me my phones will go back on my card on XX/XX/XXXX here it is XX/XX/year> is still not in my account now they keep hanging up on me every time I call they hang up on me

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: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am writing in response to the above-referenced account that you have reported to one or more consumer reporting agencies. This letter constitutes a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ).

I dispute this debt in its entirety and request that you provide competent evidence that I have a legal obligation to pay this alleged debt. Please provide the following : Proof that you own or have been assigned the alleged debt The name and address of the original creditor The complete payment history and itemized accounting of the balance A copy of the original contract or agreement bearing my signature Documentation showing the date of first delinquency Proof that you are licensed to collect in my state, if applicable During the validation period, you are required by law to cease all collection activity, including reporting or verifying this account with any consumer reporting agency.

If you are unable to provide the requested validation, you must delete this account from all consumer reporting agencies to which you have reported, as continued reporting of unverified information constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

This request is not a refusal to pay, but a request for proof of legal obligation. All rights are expressly reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
The Columbia Debt Recovery Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Columbia Debt Recovery Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: HI

Complaint narrative:
This is the same complaint that I filed before about a fraudulent charge showing on my Sofi bank account. XXXX. I want someone to review the documents that I have attached and tell me where anywhere on my paperwork does it indicate that {$450.00} was a charge. You can see that on XX/XX/XXXX in the amount of {$210.00}. I received a charge from next car car rental. I attached my rental agreement. This car had already been prepaid by my XXXX XXXX XXXX, and the {$500.00} deposit was paid for by my XXXX  XXXX XXXX XXXX Two days later, on XX/XX/year>, an unauthorized charge of {$450.00} was taken from my Sofi account. Sofi is confusing the two transactions. There are two different transactions. I only swiped and utilize my card one time in the amount of {$210.00} on Friday, XX/XX/year>. I did not swipe my card or authorized a {$450.00} charge on my same account. You can see from the rental car agreement that the {$500.00} was the deposit. The rental car agreement doesnt show anything about a {$450.00} charge. You can see from my other documentation that I also provided that the car was prepaid by XXXX XXXX XXXX. I want my {$450.00} back and Sofi is treating it as though its part of the same transaction involving the {$210.00} clearly it is not. I have attached also a copy of my current balance at the Sofi bank. Because they have refused to give back my {$450.00}, and have also taken away the provisional credit theyve given me, resulting in my account now showing as overdrawn. I removed all of my money prior to this happening and switched it over to my other banking account until this was resolved and Im glad I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding deceptive, misleading, and abusive financing practices involving Comenity Bank and XXXX. I purchased a dog from Petland in Georgia using a XXXX Credit Card issued by Comenity Bank under a 24 months no interest promotional offer. The original purchase price was approximately {$6800.00} for a puppy purchased on XX/XX/XXXX. 
Throughout the full XXXX promotional period, I consistently made payments, had autopay enabled, and was enrolled in paperless billing. Based on how the promotion was represented to me in-store, I reasonably believed this was a true no interest financing plan so long as payments were made. 
At the conclusion of the promotional period, I had only a {$250.00} remaining balance. Rather than allowing me to pay this small remaining amount, Comenity Bank posted a nearly {$2900.00} deferred interest charge on XX/XX/XXXX. At no point was it clearly disclosed to me that any remaining balance, regardless of size, would trigger retroactive interest on the full purchase amount for the entire XXXX period. When I contacted Comenity Bank on XX/XX/XXXX to pay the remaining {$250.00} and request removal of the charge, I was told the interest would not be removed and that no resolution or compromise would be offered. I never had a single late payment and was on auto-pay for the duration of the XXXX and assumed the balance would be paid off in the time as this was how it was explained to me at the store at the time of purchase. 

Key concerns : The plan was marketed as no interest, yet functioned as a deferred-interest trap I was on XXXX and paperless billing and received no meaningful, clear warning that even a minimal remaining balance would result in thousands of dollars in retroactive interest Had I been clearly informed, I would have paid the remaining {$250.00} immediately This practice is predatory and harmful, particularly given widespread consumer complaints regarding Petlands financing practices I am requesting : Full removal of the deferred interest charge ; OR Conversion of the charge to a standard interest plan applied only to any remaining balance ( which has since been paid ) without retroactive interest ; OR A substantial reduction as appropriate consumer protection remediation I requested a copy of the original contract on XX/XX/XXXX and was told they would have to mail it to me, which also seems a delay or deception tactic. This situation feels intentionally deceptive, abusive, and structured to financially trap consumers. I respectfully request the CFPBs assistance in reviewing and resolving this matter. 
Thank you for your attention to this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am disputing inaccurate and improper credit reporting by Comenity Bank regarding a Big Lots credit card account.

This account is being reported as a charge-off ; however, my credit report indicates that the account was sold, transferred, or purchased by another lender. Despite this, Comenity Bank continues to report the account as a charged-off tradeline.

Once an account has been sold or transferred, the original creditor no longer has legal authority to report a balance or derogatory status. Reporting a charged-off account after transfer constitutes inaccurate and misleading reporting under the Fair Credit Reporting Act.

Additionally, the account information reported by Comenity Bank is inconsistent across consumer reporting agencies, further indicating that the information has not been properly verified.

I previously disputed this account with the credit reporting agencies, but the inaccurate reporting remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
These student loan accounts do not belong XXXX  me. I did not apply for, sign for, or authorize these loans. I am not a borrower, co-borrower, or endorser on these accounts. I am disputing ownership XXXX  responsibility XXXX  requesting removal of these accounts from my credit report. Federal student loan accounts are being reported on my credit report that do not belong XXXX  me. I did not apply for, sign for, or authorize these loans XXXX  am not a borrower or co-borrower on the accounts. 

Despite this, the loan servicer continues XXXX  furnish these accounts XXXX  consumer reporting agencies as my obligation. I am disputing ownership XXXX  responsibility for these accounts. 

I previously disputed these loans as not mine, yet the inaccurate reporting remains. I am requesting immediate investigation XXXX  removal of these accounts from my credit report.

Company response to consumer: Untimely response
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: CAINE & WEINER COMPANY, INC.
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 explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I was taken advantage of by a payday loan company by the name of XXXX. I was aware that I had XXXX  make a transaction of XXXX to them as a biweekly payment. The company decided XXXX  apply the transaction XXXX additional times XXXX overdrafted my account past the limit of {$20.00}. When I told XXXX XXXX XXXX support about the XXXX being over done, I was told that only XXXX of the XXXX transactions would reverse on XX/XX/year>. These withdrawals took place XX/XX/year>. The bank refuses XXXX  assist me unless I print XXXX  fill out a written form for XXXX transaction disputes by hand XXXX  return it via email. It is now XX/XX/XXXX XXXX  they will not accept my paperwork via email XXXX  refusing XXXX  continue the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had a chime account and had {$15.00} and then my uncle deposited XXXX and my pay check was deposited it was XXXX and then shortly after my account was closed and the refused to refund me my money or tell me why it was closed and kept telling me they could not tell me why. I am unable to look at my account and they can not and will not tell me anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase confirmed that a {$1100.00} transaction on my account was fraudulent and taken by someone I do not know. Despite confirming fraud, Chase reversed the provisional credit and is holding me liable. This appears to violate Regulation E. I am requesting reinstatement of the funds and correction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Sapphire Marketing Group, Inc.
State: LA

Complaint narrative:
Sapphire XXXX  has lied to me and my family about taking cheap vacation but when I tried to us it you had to pay out a lot more money than if I was going to do it my self through XXXX. And they want to send me place I have to fly and I have a family of XXXX that is not going to work for us to expensive. They have lied and want more money to get out of it and I am not putting another XXXX  into sapphire XXXX

Company response to consumer: Untimely response