vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
I am writing to formally request validation of the collection account referenced in your recent correspondence. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper documentation verifying the validity of this alleged debt. This documentation should include the name of the original creditor, the total amount claimed, a complete payment history, and proof that I am legally obligated for the account. This request is made to ensure that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I respectfully request that all collection activity and credit reporting related to this account be suspended in accordance with applicable law.

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 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I applied for a Capital One Savor Credit Card after receiving a pre-approval offer. I accepted the offer and, during the application process, Capital One requested identity documentation. Capital One sent me an Additional Information letter dated XX/XX/year> stating they needed government-issued photo identification for my application ( Application ID : XXXX ) and that they needed it by XX/XX/year> to continue processing. 

I provided my valid drivers license as requested same day ( uploaded/submitted as instructed during the process ), but Capital One still denied the application. The adverse action letter dated XX/XX/year> states the reason for denial was : Based on your application information, applicants identity can not be verified. 

This outcome does not make sense given that I submitted a valid government-issued ID, and I was not told what specifically failed ( for example, what detail did not match, whether the document was unreadable, or whether there was a mismatch in a consumer reporting or identity database ). I am concerned Capital One either did not properly review the documentation I provided, or there is an error in the identity verification process being used for my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This complaint is for XXXX XXXX XXXX and Capital One. Below is the long, arduous process whereby I tried to dispute the charge by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX bond company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and then Capital One. 

XX/XX/XXXX, XXXX XXXX XXXX XXXX for safety inspection of HVAC system. System was test for heating and cooling before completing service. 

XX/XX/XXXX, XXXX XXXX XXXX completed a " tune up with cleanings. It was discovered the first time using my air conditioner, there was warm air being drawn into my home, but no cooling. Pages from Capital One XXXX statement reflecting XXXX XXXX  XXXX charge for {$840.00} XX/XX/XXXX, XXXX XXXX  XXXX returned and informed that I had no refrigerant/freon in my system, and that I needed a new system. XXXX XXXX wrote up a Proposal and Agreement for a new system with financing through XXXX XXXX XXXX. 

XX/XX/XXXX, I wrote text message to XXXX, Sales XXXX of XXXX XXXX XXXX, about the confirmation from a technician from another company that I had no freon/refrigerant in my house, upon moving into my home 10 years ago, I had actually had slightly above the full amount. 

XX/XX/XXXX, I submitted my complaint against XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX, email from XXXX XXXX, XXXX of XXXX Now XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Now XXXX complaint XX/XX/XXXX, I submitted my rejection of response by XXXX XXXX XXXX XX/XX/XXXX, I submitted my complaint to XXXX XXXX XXXX XXXX ( XXXX ) ; text messages between myself and XXXX XXXX XXXX regarding air conditioning XX/XX/XXXX, XXXX letter regarding violation of California Business and Professions Code XX/XX/XXXX, response by XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXX invoice for {$89.00} XX/XX/XXXX, email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, Capital One dispute denial letter XX/XX/XXXX, Letter to Capital One request for reversal of denial of claim # XXXX XX/XX/XXXX, Capital One dispute denial letter All the years of people checking my HVAC system, no one had found issues with my system other than it needing cleaning, companies wanting to sell me a new system because they were afraid of cleaning my system due to age. 

All this time there NEVER had been any mechanical issues, or issues with cooling. I have asked XXXX XXXX XXXX to refill the refrigerant. XXXX XXXX XXXX questioned the work of the other companies and wants to send someone out to try to identify where the lead is coming. I declined not wanting to be charged for a visit that would probably not prove anything other than I am missing however many POUNDS of refrigerant. 

During the summer I relied on fans and a portable air conditioner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: DE

Complaint narrative:
I am disputing {$2800.00} in charges as a " Billing Error '' under Regulation Z ( 12 CFR 1026.13 ) for " Services not delivered as agreed ''. The merchant ( XXXX ) failed to provide a mandatory safety featurea 5-day " cooling-off '' period for limit changesrequired by their Terms of Service and XXXX XXXX. XXXX. XXXX XXXX. Because this safety lock was defective, my account was not restricted as legally required, enabling these unauthorized transactions. 

The Proof ( See Attached 8-Page PDF ) : Exhibit A : An email from XXXX  support admitting they were working " urgently to release a fix for this issue, '' confirming the platform was defective. 

Exhibit C : Time-stamped visual evidence and video proof showing the safety toggle failed to enforce the mandatory 5-day lock, providing instant, unrestricted access instead. 
I closed my account on XX/XX/year>, the same day I filed my disputes, to prevent further harm from this defective system. Wells Fargo has failed to conduct a " reasonable investigation '' of this forensic evidence, instead relying on automated logs that actually document the software 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 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Subject : Notice of Dispute, Demand for Correction, and Intent to Escalate Inaccurate Charge-Off Reporting XXXX XXXX XXXX XXXX Address ] [ City, State, XXXX Code ] [ Phone Number ] [ Email Address ] [ Date of Birth : MM/DD/YYYY ] [ Last XXXX of XXXX : XXXX ] [ GM Financial Account Number : if XXXX ] GM Financial XXXX Reporting / Compliance Department XXXX XXXX Notice XXXX XXXX XXXX XXXX for Correction, and Intent to Escalate Inaccurate Charge-Off Reporting To Whom It May Concern, This letter serves as a formal notice of dispute regarding GM Financials inaccurate reporting of my account as XXXX with an alleged balance of {$18000.00}. 

At the time this account was reported as charged-off, my payments were current and made as agreed. There was no delinquency that would justify a charge-off. As such, the information GM Financial is furnishing to consumer reporting agencies is false, incomplete, and materially misleading. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), GM Financial has a legal duty to : - Conduct a reasonable investigation upon notice of dispute - Report only information that is accurate and verifiable - Correct or delete any information that can not be substantiated I hereby demand that GM Financial provide documentary evidence supporting : XXXX. The specific date and basis for the alleged charge-off XXXX. A complete and itemized payment history XXXX. Any records demonstrating delinquency sufficient to warrant a charge-off XXXX. Proof that all reported data complies with FCRA accuracy requirements If GM Financial is unable to produce this documentation, you are required by law to immediately correct the account to paid as agreed or delete it entirely from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ). 

Failure to correct this inaccurate reporting within the statutory investigation period will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the State Attorney General, and by pursuing all available legal remedies. 

This letter is not a request it is a demand for compliance. Please provide written confirmation of your investigation results and proof of correction. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Volvo Car Financial Services U.S., LLC
State: AZ

Complaint narrative:
I am disputing the reporting of a repossession by Courtesy Volvo / Polestar Financial Services, account number is unknown because the company withheld this info from me by locking my account post repossession. 

The lender has failed to comply with the legal notice requirements set forth in Uniform Commercial Code ( UCC ) Article 9. Following the repossession of my vehicle, I never received a 'Notice of Our Plan to Sell Property ' or a 'Post-Sale Explanation of Deficiency. ' Because the lender failed to provide these legally mandated disclosures, they have not established the legal right to claim a deficiency balance or report this debt as accurate. I am requesting that the CFPB compel the lender to provide proof of the dates these notices were mailed. If the lender can not provide proof of compliance with these mandatory notice requirements, I request that the trade line be completely deleted from my credit reports and the account closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: OH

Complaint narrative:
Missing money from my account. I contacted customer service they were unable to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XXXX, someone hacked into my XXXX XXXX and made an unauthorized transaction for {$210.00} in XXXX XXXX which is XXXX hours from my house. I also got an alert for a XXXX XXXX transaction which was fraudulent. The XXXX XXXX transaction was reversed a few hours later. I immediately notified Sofi Bank and filed a police report for fraud. I filed a claim with Sofi Bank and they have refused to refund me my {$210.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NC

Complaint narrative:
On XX/XX/XXXX of XXXX, I learned that XXXX companies were reporting the same rental debt for XXXX XXXX XXXX XXXX. Since XX/XX/XXXX, IQ Data International has been reporting I owe {$13000.00}, and XXXX XXXX MN has also been reporting that I owe {$13000.00}. In XX/XX/XXXX, I was working with XXXX XXXX XXXX  to begin paying {$25.00} biweekly, and XXXX had set the agreement. On XX/XX/XXXX I had reached out to IQ Data International to resolve a second debt with them, and they were set on handling XXXX XXXX XXXX, even after learning I was working with another company. Agent XXXX, asked for the other companys name, blamed the property, and said they dont do credit deletion with settlements, so I would still owe them. Both XXXX, and her superior, XXXX, interrogated me about my tax refund for last year and this year, including acknowledging that I would receive money back for the child tax credit. I explained that I had spoken with XXXX, XXXX XXXX XXXX property manager, on XX/XX/XXXX and XX/XX/XXXX, and she confirmed that she sent my account to XXXX XXXX XXXX. She provided their information to me, and I explained to her that she should be receiving a settlement offer soon from XXXX XXXX. I had to end the call after verbally expressing my discomfort and anger with them discussing my taxes, XXXX offered 20 % discount and I had to end the call with no further contact. I reached out to Consumer Collection MN, and spoke with XXXX, and she confirmed that XXXX has already started the process to offer a settlement to XXXX XXXX XXXX after speaking with XXXX on Friday, XX/XX/XXXX. She confirmed it was illegal for XXXX companies to report the same debt and try to collect. On XX/XX/XXXX, probably not recognizing they were for the same account, disputed with Experian, the IQ Data International and XXXX XXXX XXXX. They both remained on my credit report, and after disputing IQ Data International on XX/XX/XXXX, it remains after being resolved. I refuse to continue attempting to resolve a debt if XXXX companies are going to try to collect and report. Im in the process of trying to work on my credit, and I want to do the right thing but Im not paying XXXX companies to have the same item off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
UNAUTHORIZED REPAYMENT PLAN CHANGE VIOLATION OF FEDERAL LAW On or about XX/XX/XXXX, my federal Direct Loan repayment plan was changed from the Standard 10-Year Repayment Plan to the Extended Graduated Repayment Plan without my knowledge, consent, authorization, or any contact whatsoever from my loan servicer, XXXX XXXX XXXX XXXX XXXX I did not request, initiate, or authorize this change. No one from XXXX contacted me by phone, email, mail, or online portal before, during, or after this modification was made to my account. 
This unauthorized modification has caused severe and ongoing harm : Loss of Public Service Loan Forgiveness ( PSLF ) eligibility despite over 13 years of qualifying employment at nonprofit organizations. The Extended Graduated Plan does not qualify for PSLF under 34 C.F.R. 685.219. 
Approximately {$24000.00} in excess interest accrued as a direct result of the unauthorized plan change and subsequent forced forbearances.

44 late payments reported across 11 Department of Education accounts on my credit reports with XXXX XXXX XXXX XXXX 
Approximately 127 months of forbearance placed on my account, compounding interest and delaying any path to loan resolution. 

FEDERAL LAWS VIOLATED : 34 C.F.R. 685.210 ( borrower 's right to select repayment plan ) ; 34 C.F.R. 685.219 ( PSLF eligibility ) ; 12 U.S.C. 5531 ( UDAAP ) ; 15 U.S.C. 1681s-2 ( FCRA furnisher accuracy duties ) ; 15 U.S.C. 7001 ( E-SIGN Act no affirmative consent obtained ) ; 20 U.S.C. 1087e ( Higher Education Act borrower protections ) ; 15 U.S.C. 1692e, 1692f ( FDCPA ). 
PRECEDENT : This conduct is identical to the systematic practices found illegal in CFPB v. XXXX XXXX, XXXX XXXX. XXXX ( XXXX. XXXX XXXX ), which resulted in a {$120.00} XXXX penalty and permanent ban from federal loan servicing. My case involves an even more egregious violation a complete plan change with zero borrower contact. 

My account was transferred from XXXX to Aidvantage ( Maximus Federal Services ), which continues to maintain the unauthorized plan designation and report inaccurate late payments to credit bureaus. I sent a formal demand letter to Aidvantage via certified mail requesting correction, production of authorization records, and deletion of inaccurate credit reporting. I have also submitted a records request to the Department of Education 's Office of the Ombudsman and the FSA Feedback Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
A payment was sent to me {$1000.00}. And I immediately transferred to my bank but CashApp claimed that the transfer was stopped by me and then I bought something for {$1000.00}. That is not true! I did not cancel my transfer nor did I spend {$1000.00}. I contacted Cash App Support and they said they can not help me until the merchant is paid! Another charge has come through for XXXX. That I also did not make. Now I can see all kinds of activity, also not done by me. I have blocked merchants and froze my account. {$1000.00}. Has been stolen from me because CashApp is not secure. Once this is resolved I will cancel CashApp! Something is very wrong with their way of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kikoff Inc.
State: GA

Complaint narrative:
kick off is a scam charged for service never received

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: NY

Complaint narrative:
My wife and I are submitting this complaint regarding Capital Ones failure to properly investigate and apply refunds issued by the merchant XXXX XXXX for XXXX travel payments. 

In 2024, we attempted to purchase XXXX packages through XXXX using their digital wallet system. We loaded funds using multiple credit cards, including Capital One cards and an XXXX XXXX. Unfortunately, we were unable to secure XXXX tickets, and XXXX approved our refund requests. 

XXXX confirmed that all refunds were issued back to the original cards. The XXXX XXXX refund posted successfully. However, none of the refunds ever appeared on our Capital One accounts, despite XXXX confirming they were sent. 

We contacted XXXX multiple times, and they provided written confirmation that refunds were issued. On XX/XX/year>, XXXX gave us refund details and confirmation that the funds had been returned to Capital One. We then contacted Capital One and opened disputes. 

Capital One initially provided temporary credits, but later reversed them and rebilled the amounts, stating that the merchant claimed the goods were received, which is incorrect. No XXXX services were ever received because we did not obtain tickets. 

Despite providing documentation and repeatedly asking Capital One to trace the refunds, Capital One refused to conduct a proper settlement trace or resolve where the refunded money went. Instead, they closed the dispute and held us responsible for thousands of dollars that were already refunded by the merchant. 

As a result : Our balances remain incorrectly high We were forced into delinquency Our credit scores were severely damaged We have been denied housing and financing opportunities We suffered significant financial and emotional stress We did everything correctly as consumers. The merchant refunded us. Capital One failed to apply those refunds or properly investigate where the funds went. 

What I am requesting : 1. Capital One must conduct a full refund trace and apply all missing refunds properly. 
2. Capital One must delete all inaccurate negative credit reporting related to this error. 
3. Capital One must correct our account balances to reflect the refunded amounts.

4. We are requesting financial compensation for the damages caused by Capital Ones failure to investigate and resolve this issue.

This situation has been ongoing for a long time and has caused serious harm to our financial lives. We are asking for CFPBs assistance in ensuring Capital One fulfills its legal obligations under the Fair Credit Billing Act and Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am formally disputing this account in its entirety and request all documentation for the account for validation including but not limited to the original contract with my signature and financial statements of the account history from the creditor, your authority to collect this debt, proof of assignment, and your license to collect in my state to start. This dispute will serve as a notice of the inaccurate information that is on the credit reports for this account as well as the opportunity for your company to correct the account and any additional action/ enforcement on my behalf the account information on account in question is listed below : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} ). I have attached a copy of my license and a bill for verification purposes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
A collection account in the amount of {$1300.00}, originally associated with XXXX, is being reported more than once on my credit report. This is duplicate reporting of the same debt. 

I previously disputed this account, including a dispute submitted in XX/XX/year> that was marked as resolved in XX/XX/year>. Despite this, the duplicate tradeline continues to appear. 

Reporting the same obligation multiple times is inaccurate and misleading and does not comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires credit reporting agencies and furnishers to ensure maximum possible accuracy and to conduct a reasonable investigation after a dispute. 

I am requesting deletion of the duplicate tradeline and correction of my credit report to reflect only accurate, non-duplicative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
Duplicated debt keeps lowering my credit score. Please refer to the attached screenshot for more information. Thank you

Company response to consumer: Closed with explanation