vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Nguyen Law Firm, PLC
State: VA

Complaint narrative:
I tried to settle a debt that was owed for my HOA, it was sent to a law firm to collect, that law firm was Nguyen and Ballato. When I called to settle the debt, they were unwilling to show me the CC & Rs in relation to the debt and my HOA, an itemized statement of what I owed ( just their version of the bill ). They did state that they had sent notices when i confirmed the address, they missed the suite number, they then proceeded to tell me they sent it certified mail, I then asked who signed for it, and they stated no one signed for it. So I was not able to verify if it was actually ever sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against TitleMax for Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regarding a loan on my XXXX XXXX XXXX ( Loan Date : XX/XX/XXXX ). 

Between XX/XX/XXXX and XX/XX/XXXX, I made six monthly payments totaling {$9300.00} : XXXX : {$1500.00} XXXX : {$1500.00} XXXX : {$1500.00} XXXX : {$1500.00} XXXX : {$1500.00} XXXX : {$1500.00} Despite paying over 165 % of the vehicles total market value in six months, TitleMax asserts a current payoff balance of {$13000.00}. An independent appraisal from XXXX on XX/XX/XXXX, valued the vehicle at only {$5600.00}. TitleMax is demanding a payoff that is 240 % of the collateral 's actual value. 

This is a classic " debt trap. '' The loan is structured so that substantial payments do not materially reduce the principal. TitleMax further failed to act in good faith by withholding material changes in renewal policies, depriving me of the ability to make an informed decision to avoid this financial harm.

This conduct violates 12 U.S.C. 5531 ( d ) as it takes unreasonable advantage of a lopsided loan-to-value ratio and the consumer 's inability to protect their own interests in a predatory renewal cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY

Complaint narrative:
I have a charged-off Wells Fargo credit card account that was opened XX/XX/XXXX and charged off XX/XX/XXXX. The current balance is {$1900.00}.

While I had accounts with Wells Fargo, I experienced significant problems including unauthorized payments taken from my main bank account without my authorization and multiple privacy issues. I made Wells Fargo aware of these problems immediately each time. I made multiple attempts to get refunds and resolution while in the United States, but Wells Fargo was unable or unwilling to help. Due to these ongoing issues and poor customer service, I closed all my accounts with Wells Fargo.

Given the age of this charged-off debt ( almost over XXXX XXXX XXXX ), the previous problems with unauthorized payments, and my current situation, I am willing to make a one-time lump sum payment of {$200.00} to settle this debt in full with complete deletion from my credit reports. 

On XX/XX/XXXX, I called Wells Fargo to request a settlement offer or payment plan in writing. The representative discussed options over the phone but refused to provide any written documentation or written confirmation of settlement terms or payment plan options. 

I explained that I can not proceed with any payment without written documentation. The representative refused to send anything in writing and would not provide any written correspondence. 

I am currently residing overseas in XXXX for military purposes. This debt is affecting my XXXX XXXX status due to debt-to-income ratio requirements. I need to resolve this urgently but require written settlement terms before making any payment.

Without written settlement terms, I can not proceed.

I am willing to pay {$200.00} as full settlement with deletion from credit reports, but need basic consumer protection of having the agreement documented in writing before payment.

I have attempted to contact Wells Fargo multiple times but they will not provide written confirmation of any settlement or payment arrangement. I can not find a customer service email address to request this in writing.

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 2026-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint to formally report multiple financial institutions and lenders for unfair and deceptive acts and practices, data security failures, unauthorized disclosure of my personal and financial information, and continued violations of my consumer rights, despite notice and disputes. 

The companies involved include XXXX XXXX, Capital One car loan for {$7300.00} and credit card for {$660.00}, XXXX XXXX  for {$680.00}, XXXX XXXX for {$13000.00} for XXXX, multiple XXXX loan accounts for {$970.00}, and XXXX.for {$1200.00}. 

Nature of the Violations : Data Breach & Exposure of Personal Information My personally identifiable information ( PII ), including but not limited to my name, address, phone number, financial account data, and credit information, has been exposed, mishandled, and accessed without authorization. I was not properly notified in a timely manner, nor was adequate remediation provided. 

Failure to Safeguard Consumer Data These companies failed to implement and maintain reasonable security measures to protect my sensitive data, resulting in unauthorized access, risk of identity theft, and financial harm. 

Unfair and Deceptive Practices Several of these entities continued reporting, servicing, collecting, or maintaining accounts after disputes were submitted, failed to correct known inaccuracies, and continued harmful activity that violates federal consumer protection laws. 

Continued Violations After Notice Despite written and verbal disputes, these companiesparticularly XXXX and XXXX loan accountscontinued collection activity, reporting inaccuracies, and improper handling of my account, demonstrating willful noncompliance. 

Failure to Properly Investigate Disputes Required investigations under federal law were either not conducted, inadequately conducted, or ignored entirely.

Harm Suffered : Emotional distress and anxiety Risk of identity theft and fraud Financial damage and credit impairment Loss of privacy and control over my personal data Time and resources spent attempting resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint regarding the terms of the referral program and interest rate offered by Capital One.

I applied for a Capital One credit card through a referral program on XX/XX/year>, which clearly advertised a {$200.00} bonus after spending {$500.00} within 3 months of account opening, as well as a 15-month interest-free period. I relied on these advertised terms when applying for the card.

I met the spending requirement, spending the necessary {$500.00} within 3 months of the credit line opening date. However, I did not receive the promised {$200.00} bonus, and interest was charged from the second month of using the card, without the application of the 15-month interest-free period.

I request a clear written explanation : 1. Why the advertised referral bonus was not credited after meeting the spending requirement ; and 2. Why the interest-free period, as advertised in the referral program, was not applied, and interest was charged from the second month of using the card.

The terms of the promotion were a significant factor in my decision to apply for this card. The outcome appears misleading and contradictory to the offer presented at the time of application.

I request an official review of my account and a written response explaining the reasons for the failure to fulfill the terms of the advertised referral program and interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Exto Inc.
State: NY

Complaint narrative:
I have an Atlas Account and they offer you the ability to postpone smartpay once a month. The first time I postponed it, they hit my debit account for {$150.00} and tried to tell me I did not postpone it, when I infact did. The second time, they pulled {$140.00} from my {$240.00} out of my deposit account, 3 days after I postponed and 9 days before the postponed date agreed upon - thus - reducing my spending limit and XXXX  by XXXX  WITHOUT EVEN TRYING TO CHARGE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Description of Incident : I am filing this complaint because an inaccurate and unrecognized collection account is being reported on my EQUIFAX credit file. The account is listed under XXXX XXXX XXXX, Account Number : XXXX, for the amount of {$160.00}. 

I have no record of any financial agreement or contract with XXXX XXXX XXXX or any underlying original creditor for this amount. I do not recognize this debt and believe it is either a reporting error or a result of identity inaccuracies. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request a full validation and verification of this information. To date, this item remains on my report despite it being unverified and unrecognized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I have never rented a home or a property from this company. I have proof of my address and where I have lived for the past XXXX  years my identification and personal information may have been compromised and used fraudulently. I have never signed a lease or a contract with this company. Ive never lived on any of their properties. Ive asked for proof and documentation that I came in their office and signed a lease or picked up keys. They have not responded or provided any documentation that I have been in their offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$19.00}, XXXX written off. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$19000.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$21.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$21000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$41000.00} Highest balance - Terms 74 Months On record until XX/XX/XXXX Heres a strong, no-nonsense paragraph you can use. Its aggressive, cites consumer law, and makes it very clear youre prepared to escalate without crossing into anything that could backfire legally : This companys actions constitute unfair and deceptive practices in violation of applicable consumer protection laws, including the Consumer Financial Protection Act and related state consumer protection statutes. Despite multiple good-faith attempts to resolve this matter, the company has failed to correct the error or provide a lawful resolution. If this issue is not resolved immediately, I will file formal complaints with the Consumer Financial Protection Bureau, my state Attorney General, and any other relevant regulatory agencies, and I am prepared to pursue all available legal remedies, including civil litigation, to recover damages and enforce my rights under the law. 

If you want it even sharper ( or tailored to a specific company, charge, or law like FCRA, FDCPA, or Truth in Lending ), tell me what happened and Ill customize it so it hits harder and fits your exact situation. 



Account info Account name XXXX XXXX  Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$3000.00} Highest balance - Terms 24 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
This account is being reported by Jefferson Capital Systems without proper verification of legal ownership, balance accuracy, or compliance with federal consumer protection requirements. 

I previously disputed this account through the credit reporting process and received a generic verification response without documentation. To date, I have not been provided with : Proof of a valid chain of title establishing legal ownership of the alleged debt A copy of the original contract or agreement creating the obligation A complete payment history or itemization supporting the amount reported Evidence that required written notice and validation information were properly provided Additionally, the account reflects recent activity despite originating years earlier, raising concerns regarding improper re-aging and inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Continued reporting of this account without proper documentation is inaccurate and harmful. I am requesting deletion of this tradeline unless full, lawful verification can be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC

Complaint narrative:
On XX/XX/year> at approx. XXXX XXXX  XXXX, I called Spring Oaks Capital to request information about a debt appearing on my credit report for {$1100.00} ( original creditor : XXXX XXXX XXXX  ). I clearly stated I did not believe this was my debt and only needed account information for military documentation purposes. 
Despite my statement that I disputed the debt, the representative set up a payment plan for approximately {$30.00}. No mention was made of any cease and desist letter being on file for the account. 

On XX/XX/year> at approx. XXXXXXXX XXXX XXXX I called again for more information. A different representative stated there was a cease and desist on the account and asked to confirm they could speak with me because of this cease and desist on file. When I informed them that setting up a payment plan the previous day while a cease and desist was active appeared to be an FDCPA violation, they immediately cancelled the payment plan. 

On a third call later on XX/XX/year> at approx. XXXX XXXX XXXX The representative confirmed the payment plan had been stopped and stated they received my written verification request and would investigate, but it could take up to 30 days.

I never sent a cease and desist letter to this company. If one exists on file, I have requested proof of its origin and when it was received. 

The violation is : On XX/XX/XXXX, the representative set up a payment plan and engaged in collection activity despite an alleged cease and desist being on file, without disclosing this to me during the call. On XX/XX/XXXX, they suddenly acknowledged the cease and desist and asked permission to speak with me, proving they were aware of it. 
This appears to be a violation of the Fair Debt Collection Practices Act regarding improper collection attempts on an account with a cease and desist, failure to disclose the cease and desist during collection activity, and attempting to collect on a disputed debt without proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have a chase bank savings account and on XX/XX/XXXX I was trying to use their ach transfer portal to transfer ~ {$6100.00} to my external account at XXXX. Chase rejected the transfer on XX/XX/XXXX claiming that they weren't able to reach me to verify the request. On XX/XX/XXXX, i resubmitted the request on XXXX 's portal and it was pending review, so I called to ensure the transfer would be honored ; however, the representative proceeded to willfully ignore my attempts to withdraw my money, claiming that I didn't answer their questions. I was asked why I was withdrawing my funds and i responded 'no reason ' so she said she couldn't put that as a reason then I replied that she can put " it's none of your business '' she then said she would not process my request and disconnected the call

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This complaint concerns Navients failure to comply with federal consumer protection obligations, including : 1 ) inaccurate credit reporting, 2 ) failure to properly acknowledge and report a dispute ; and, 3 ) failure to respond to a school misconduct discharge application. 

On XX/XX/XXXX, I mailed via certified mail ( attached ) a written dispute to Navient regarding the private student loan accounts listed above. Despite receiving notice of the dispute, Navient continued to report the accounts to credit reporting agencies without the required dispute notation, in violation of the Fair Credit Reporting Act ( FCRA ). 

Separately, I submitted a school misconduct discharge application ( attached ) to Navient via email on XX/XX/XXXX. Navient never responded to this application, while continuing to report the loans as undisputed. 

On XX/XX/XXXX, following an XXXX  dispute I submitted, Navient verified and updated certain fields on the accounts without curing its prior failures or correcting inaccurate reporting caused by its noncompliance. These actions caused ongoing consumer harm, including credit suppression and interference with housing and lending opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
XX/XX/2026 TO : RUBIN & ROTHMAN , LLC ATTORNEY AT LAW RE : Account Reference XXXX I am formally disputing this alleged debt in its entirety. 
This debt is not mine and appears to be the result of identity theft I have never had an account or debt with XXXX  XXXX XXXX, XXXX. 


Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you are required to cease all collection activity immediately until you provide proper validation of the alleged debt. 


Enclosed is my Identity Theft Report. 


Any further collection activity without validation will constitute a violation of federal and New York law. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: MS

Complaint narrative:
I am filing this complaint regarding the improper closure of XXXX XXXX credit card accounts and potential violations of the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). 

Both accounts were closed by XXXX immediately after I submitted my husbands activeduty military orders for SCRA rate reduction. Prior to the closures, neither account had any late payments, delinquencies, or returned payments. Both accounts were enrolled in overlimit protection, and all overlimit transactions were expressly approved by XXXX. The temporary overlimit condition was caused solely by unauthorized merchant activity from XXXX XXXX, which XXXX later credited back in full. Once those credits posted, the accounts were no longer over limit. 

Despite this, XXXX closed both accounts and cited overlimit usage as the reason. This stated reason is factually inaccurate and misleading. The accounts were only over limit because XXXX approved the transactions under overlimit protection, and the balances were corrected once the credits posted. Furnishing a closure reason that implies customer misuse or delinquency is inconsistent with the actual account history and may violate FCRA accuracy requirements under 15 U.S.C. 1681s2. 

Additionally, the timing of the closures raises serious concerns of adverse action connected to the submission of activeduty orders. If XXXX closed the accounts, in whole or in part, because SCRA protections were invoked, this would constitute prohibited retaliation under 50 U.S.C. 3937 and related SCRA provisions. A creditor may not reduce credit access, close accounts, or take negative action as a result of a servicemember exercising statutory rights. 

I am requesting the CFPBs assistance to ensure XXXX : XXXX. Provides a written explanation identifying the specific internal reason codes used for each account closure. 
XXXX. Confirms that the closures were not influenced by the submission of activeduty orders or the activation of SCRA protections. 
XXXX. Corrects any inaccurate or misleading information furnished to consumer reporting agencies regarding the closure reason. 
XXXX. Conducts a compliance review to ensure adherence to SCRA and FCRA obligations. 


I am seeking a full investigation and correction of any improper reporting or adverse action taken by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation