vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Auto loan established through Capital One Auto Finance XX/XX/XXXX. 
Applicant one took exclusive possession of the vehicle.

Applicant two co-signed the loan but did not possess or use the vehicle XX/XX/XXXX Applicant one ceased making monthly payments on the auto loan. 
Texts messages show proof that applicant two tried to get applicant one to return vehicle/refinance the car but she would not. Texts show she admitted she wouldn't be paying.

Capital One Delinquency & Default Process XX/XX/XXXX XX/XX/XXXX Capital One issued delinquency and default notices due to continued non-payment. 
Applicant two filed multiple claims with Capital One, a Demand letter to applicant one, disputes with the credit reporting and even has had a repo guy at applicant two 's home even though it was clarified the car was at Applicant One 's. No repossession has been attempted even with photographic proof of the car sitting in her garage.

Applicant one did not surrender the vehicle.

No payments were made during this period.

Account Closure XX/XX/XXXX Capital One administratively closed the auto loan account due to default. 
The closure was reported to credit bureaus. 
Despite account closure : The vehicle was not repossessed The vehicle was not voluntarily surrendered Applicant one retained possession and use of the vehicle Extended Period of Inaction XX/XX/XXXX XX/XX/XXXX Applicant one made no payments for approximately 22 months. 
Capital One did not complete repossession during this period. 
The vehicle remained continuously in Applicant one 's possession. 
Applicant two continued to incur credit damage despite non-possession.

No refinancing, sale, or surrender occurred. 

Now as of XX/XX/XXXX Applicant one set up a " payment plan '' even though the account is closed and the car is supposed to be getting repossessed. XX/XX/XXXX Capital one Auto informed me they couldn't do anything to help me.

I will also be sending a notice via Certified Mail as no other written noticed could be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: TX

Complaint narrative:
This complaint is submitted as a final opportunity for correction before I pursue legal remedies. Nelnet and the credit reporting agencies continue to report materially inconsistent, contradictory, and unsupported payment histories across all three credit bureaus. These discrepancies alone prove the reporting is inaccurate under federal law. On XXXX, my accounts show no payment history for extended periods and then suddenly reflect a 90-day late in XX/XX/XXXX. On XXXX  and XXXX, those same months are reported as paid on time. In XX/XX/XXXX, XXXX  shows no reporting activity, while XXXX  and XXXX  report 90-day and 120-day delinquencies. From XX/XX/XXXX through XX/XX/XXXX, the accounts reflect XXXX or no status at all. At the same time, Nelnets own reporting shows me as paid on time from XX/XX/XXXX through XX/XX/XXXX. These reporting patterns can not all be true. Contradictory data across credit bureaus is, by definition, inaccurate. 
Nelnet previously responded that notices and billing statements were sent, yet has still produced no documentary proof of any 30-day or 60-day delinquency notices, no mailing records, no delivery confirmations, no call logs, and no contemporaneous account histories. Unsupported statements are not validation. Under FCRA 607 ( b ), 611, and 623, accuracy must be demonstrated with evidence, not asserted. Under XXXX XXXX standards, reporting must be uniform, complete, and consistent across all bureaus. Nelnet has failed to meet any of those requirements. 
This is not an isolated issue. When repayment resumed, more than XXXX XXXX borrowers were affected nationwide by servicing failures, notice failures, balance errors, and reporting errors. Multiple lawsuits and regulatory actions have already acknowledged systemic servicing defects across the Department of Educations loan servicing network. It is not plausible that XXXX XXXX borrowers all suddenly became delinquent without notice while servicers reported flawlessly. The more reasonable conclusion is systemic reporting and servicing failure and my credit file reflects that same failure. 
Nelnet continues to rely on Department of Education internal policy as justification. Internal policy does not override federal law. The FCRA and XXXX XXXX require accuracy, consistency, documentation, and verifiability regardless of internal policy. Nelnet also improperly deflects responsibility back to the credit bureaus. Under FCRA 623, Nelnet has its own independent duty to investigate and correct inaccurate or unverifiable information.

Because Nelnet can not reconcile the cross-bureau inconsistencies, can not document proper delinquency notice, and can not demonstrate XXXX XXXX compliance, the reporting of these accounts is inaccurate, incomplete, inconsistent, and legally unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: SC

Complaint narrative:
TEKCOLLECT INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TEKCOLLECT INC 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: MD

Complaint narrative:
What happened : I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2025 Citibank notified me of a suspicious purchase attempt on a card that was otherwise dormant for more than 2 years. They properly declined that transaction. I immediately notified them this is fraudulent transaction, and they issued a replacement card, but authorized two additional charges on the same day, one in the same establishment, and both in the same vicinity. 

I immediately tried to place a dispute notice on both transactions, finally successful on 4th attempt with one transaction, and a month later on the XXXX. On XX/XX/XXXX, when no action or notification was received from Citibank, I delivered via tracked Priority Mail, a letter detailing my grievance. In return, Citibank imposed a late fee and interest charges on the card, and threatened with reporting delinquency on an otherwise pristine credit report. 
Timeline : 1. XX/XX/2025 : Received fraud alert from Citibank on a declined charge on card XXXX ( later replaced by card XXXX.. 
2. Same day : Confirmed with Citibank that the charge was fraudulent. 
3.Citibank later approved two additional charges : {$1300.00} ( car rental ) and {$80.00} ( gas ). 
4. The car rental was made in someone elses name, requiring a drivers licenseclear evidence of identity theft.

5.Both charges were reported and disputed immediately.

6.The {$1300.00} charge was only eventually marked as disputed after multiple calls ; the {$80.00} charge was never addressed despite multiple promises to do so.

7. Citibank failed to properly investigate or respond to the fraud. 
XXXX. XX/XX/2025 : delivered a formal dispute letter via Priority Mail with trackingno response received as of now.

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 monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I have a loan with Goodleap. Loan number XXXX, with a monthly payment of {$320.00}. It was opened by a development company that never completed the work. This account was opened by them to cover the work specified by the contractor.

Subject : Loan Dispute - Contractor abandoned project and services were not rendered Complaint Text : I am filing a formal complaint against GoodLeap regarding a loan issued for development services that were never completed.

Approximately {$25000.00} was paid directly to the contractor through this loan. The contractor failed to perform the agreed-upon work and has since disappeared. The project was abandoned, and no useful services or products were delivered.

Despite this, GoodLeap released the funds and continues to demand monthly payments of {$320.00} for services that were never provided.

I have contacted GoodLeap several times by phone and text message but have not received any written response.and resolution or documentation supporting their position.

This loan is in dispute due to nonperformance of services and potential fraud. I am requesting that GoodLeap : Provide all loan documentation and proof used to release funds Freeze the account and suspend collection activity during investigation Open a formal investigation into the contractor Provide a fair resolution, including cancellation or correction of the loan 1 am attaching supporting documents and request a full written response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Im just trying to respond to a inadequate response against WELLS FARGO, concerning the already past due timing of the matter at hand

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 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sent remittance coupon in the amount of {$340000.00} and company never credited account noir returned coupon

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 monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I was approached to refinance my home and take equity money out of it. The person who contacted me said he needed {$1500.00} to cover the appraisal and other fees. I sent a bank check and nothing has ever come of this..... I am behind in my mortgage now because of this. The person I sent the bank check to has never gotten back to me and it has been months. I have reached out to the person and the phone is never answered. 

The bank check went to : One Main Home Loan the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. The person I was dealing with is named XXXX XXXX and his phone number is XXXX and his email is XXXX. 

The check was sent on XX/XX/year> and recieved by XXXX on XX/XX/year>. I have called and emailed him many, many times and he does ot respond. Many emails have been sent as well

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Capital Mitigation Services, LLC
State: IL

Complaint narrative:
Unknown of dates {$3700.00} is what they say I owe I never applied for this loan and never heard of it. They are using revenue reporting systems, which is always emailing texting calling me. They have also been contacting my family as well. Over three times a day. I never heard of this loan company in my life.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TN

Complaint narrative:
On XX/XX/XXXX, I submitted a valid application to MOHELA to switch my student loans from the SAVE plan to a different IDR plan. MOHELA failed to process this application for nearly 12 months. Because of their failure to process my request to exit the SAVE plan, they have now placed me in a court-ordered forbearance that does not count toward PSLF/IDR forgiveness. They are also capitalizing or accruing interest that should have been waived or avoided entirely had they processed my application on time. 

I have contacted them three times via their secure portal ( most recently receiving a generic denial on XX/XX/XXXX ), and they respond only with boilerplate scripts about court orders, ignoring my proof that I applied to exit the plan in XX/XX/XXXX. I also resubmitted a new IDR application in XX/XX/XXXX to try to force a resolution, but they have not corrected the past error.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: TN

Complaint narrative:
BOUNCE AI is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE AI 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 explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: TX

Complaint narrative:
TEKCOLLECT INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TEKCOLLECT INC 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: TN

Complaint narrative:
I recently reviewed my consumer reports with the CRAs and noticed a debt collector named Nationwide Capital Services furnished a tradeline their tradeline on my consumer report with TransUnion. I recently moved so if they sent me anything, I may not have received notice. I want to know if this debt collector is permissibly allowed to report on my consumer reports because as it is now, there tradeline is damaging to my credit standing.

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 2026-01-21 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
Subject : Dispute Resolution Request Unauthorized PayPal Charges PayPal Case ID : XXXX Amount : {$570.00} ________________________________________ Dispute Summary I placed an order for a pair of jeans priced at {$12.00} from deals.elecatoron.com. 

However, my PayPal account was charged {$570.00}, and I never received the product. 

The transaction was initiated and posted to my PayPal account on XX/XX/XXXX, which is also the date I reported the fraudulent activity to PayPal. Subsequently, I received emails from the seller claiming USPS package deliveries were initiated on XX/XX/XXXX. However, the tracking information provided corresponds to multiple packages shipped in early XXXX, which is unrelated to my order. 

I have attempted to contact the seller via email but have received no response. 

Please review the attached documentation supporting my claim that this transaction is fraudulent. 

Despite providing evidence, PayPal has denied my initial fraud claim. 
________________________________________

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AR

Complaint narrative:
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE 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 explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Im writing to formally document a serious issue with the XXXX XXXX benefit associated with my XXXX XXXX card. 

Although the XXXX XXXX app lists food credits, gaming, and spa experiences at XXXX, none of these options are actually available to Capital One XXXX X XXXX XXXX  members at any XXXX terminal. 

As of today at XXXX XXXX XXXX XXXX ( XXXX ), XXXX of the largest and most important XXXX hubs, there are XXXX XXXX XXXX restaurants, lounges, or experiences that accept Capital One XXXX XXXX in any of the Terminals. On-site staff at multiple locations, including XXXX in XXXX XXXX, confirmed that Capital One access has not been supported for several years. 

The only XXXX XXXX  option that functions at XXXX for XXXX XXXX cardholders is the XXXX XXXX XXXX, which requires an additional out-of-pocket fee to enter. Requiring cardholders to pay extra in order to use what is marketed as a core benefit is not reasonable, particularly at a major international hub such as XXXX. 

As a result, an advertised core benefit of the XXXX XXXX card currently provides little to no real value at XXXX, despite the airports importance for both domestic and international travel. 

I am requesting that this feedback be logged as a formal complaint, escalated to the XXXX XXXX product team, and reviewed for corrective action whether through accurate benefit representation, expanded XXXX XXXX partnerships, Capital One lounge access, or alternative compensation when benefits are unavailable at major hubs. 

Please confirm that this issue has been documented and escalated appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This is my third formal complaint against Caine & Weiner, and at this point I am submitting this mainly for record purposes because I will be pursuing legal action. In my prior responses, Caine & Weiner simply stated that the account was verified, yet no proof of any kind was ever provided. It has now been well over 60 days since I first requested validation, and I still have not received a contract, itemized statement, proof of ownership, proof of assignment, or proof of proper notice. I also never received any written notice of this alleged debt before it was placed on my credit report, which is a direct violation of FDCPA 1692g ( a ). Continuing to report a debt that has not been validated violates FDCPA 1692g ( b ), FCRA 1681s-2 ( b ), FCRA 1681e ( b ), and XXXX XXXX reporting standards. Simply saying a debt is accurate without providing documentation is not validation, and it does not satisfy federal law. I want CFPB to clearly note that Caine & Weiner has had multiple opportunities to comply and has chosen not to. This complaint is being made to preserve a clear record of their non-compliance, as it appears that legal action is the only thing this company responds to. I am requesting that CFPB hold Caine & Weiner accountable for continuing to report an unverified debt and for failing to follow basic consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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