vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am submitting this complaint regarding the continued reporting of an obsolete charge-off account that should have been removed under the Fair Credit Reporting Act ( FCRA ). 

The account in question is CAPITAL ONE AUTO FINANCE Account XXXX This auto loan charged off in XX/XX/XXXX, with a last payment date of XX/XX/XXXX. As of XX/XX/XXXX, this tradeline has reached and exceeded the seven-year reporting limit but remains on my credit report, causing ongoing harm. 

Under FCRA 1681c ( a ) ( 4 ), adverse accounts, including charge-offs, may not be reported more than seven ( 7 ) years from the Date of First Delinquency ( DOFD ). The continued reporting of this charge-off beyond the statutory period is unlawful.

Additionally, FCRA 1681e ( b ) requires credit reporting agencies to maintain information with maximum possible accuracy. Reporting an obsolete charge-off falsely implies a current derogatory status and misleads potential creditors. 

I have disputed this account directly with the credit bureau. Despite my dispute, the account remains reported without proof that it is legally reportable beyond the seven-year limit, violating FCRA 1681i ( a ), which requires deletion of information that can not be verified.

I am requesting CFPB assistance to require the credit bureau and furnisher to immediately delete this obsolete charge-off, correct my credit file, and cease further violations of federal law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am disputing a collection account that has been reported on my credit file without my knowledge or authorization. Discovering a debt that is unverified and does not belong to me has been extremely distressing. I have received repeated and intrusive communications, including threats of legal action, despite having no responsibility for this account. This situation is insulting, violates my consumer rights, and has caused significant emotional distress and sleepless nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I applied for the loan with One main financial on XX/XX/2023 and they kept on asking for my personal information which led to them to say no on my application which is descrimation. Regardless of the reason for being denied I have a right to Credit. Withholding my access to my securities is securities fraud. They are violating the Equal Credit Opportunity Act and the Consumer Protection Act. They told me over the phone that they wouldnt retract my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: OCEANFIRST FINANCIAL CORP.
State: PA

Complaint narrative:
I am submitting this complaint regarding OceanFirst Banks denial of a promotional checking account bonus after I satisfied all disclosed requirements. 

In XX/XX/XXXX, I received notice of an OceanFirst Bank promotion offering a {$500.00} bonus for opening a qualifying checking account and completing specified direct deposits. Relying on the terms of that promotion, I opened a Freestyle+ Checking Account on XX/XX/XXXX, and funded the account with {$50.00}. 

I completed qualifying direct deposits on XX/XX/XXXX, and XX/XX/XXXX, which satisfied the promotional requirements as disclosed. On XX/XX/XXXX, I contacted OceanFirst Bank directly to confirm that all requirements had been met. A bank representative confirmed that I had satisfied the promotional conditions and advised that the {$500.00} bonus would be deposited on XX/XX/XXXX. 

On XX/XX/XXXX, prior to the stated bonus deposit date, I logged into my account and discovered that the account had been closed. I immediately contacted OceanFirst Bank and was informed that the account had been automatically closed due to a low or XXXX balance. 

I received no prior notice of impending account closure despite agreeing to accept electronic disclosures regarding this account, no warning that a minimum balance was required to keep the account open, and no disclosure stating that maintaining a balance through the bonus payment date was a condition of receiving the promotional bonus. Additionally, when I spoke with the bank in XXXX, I was not advised that the account was at risk of closure or that maintaining a balance was necessary. 

When I contacted the branch to resolve the issue, I was told that nothing could be done, that the account closure was final, and that the bonus was forfeited solely because the account was closeddespite the fact that all advertised promotional requirements had already been satisfied. 

I believe this constitutes an unfair and deceptive practice. OceanFirst Bank made an offer conditioned on specific requirements, I fulfilled those requirements in reliance on their representations, and the bank confirmed my eligibility for the bonus. The bank then unilaterally closed the account without notice and retroactively denied the promised incentive based on conditions that were not disclosed. 

I am requesting that OceanFirst Bank be required to honor the promotional offer and deposit the {$500.00} bonus, or otherwise provide appropriate remediation for the improper denial of the incentive. 

Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: AL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have a credit card through Discover, I just learned they closed my account due to non response, I am away at college and will often pick it up on break, most of my transaction are done online such as payments and correspondence, Discover claims, they reached out to me via regular mail about about an IRS requirement, they wanted me to sign, I never received the letter, My parents also, has permission to open my mail and all they received were the monthly statements, I am not sure why discover would send out an important letter without indication of its importance, or better yet, a certified mail or a phone call to me. I have reached out to discover to ask for an appeal XXXX so I can apply for or request reinstatement, As of today ( XX/XX/XXXX ) no response. 

Closure of this account will hurt my chance to establish good credit a well as purchase my books and other importance items needed for campus life, any help would be greatly appreciated. 

XXXX XXXX Acctount number with Discover- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
phone call from XXXX stating I owed and never paid a loan from XXXX years ago. And that I would need to show up at court to have this taken care of. They did not give me anymore infor. I DID verify the last 4 didgits of SS #. I have frozen my credit as a result. I tried to call them back after she hung up on me. No one would anwer and I think I was blocked.

she did not give me the name of the company she was calling from

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The Employment Development Department initiated two transfers that I did not authorize on XX/XX/XXXX and XX/XX/XXXX in the amount of {$420.00}. I requested this money back but they refuse to help me.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was sued over a XXXX XXXX loan I did not receive. They say I owe a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
BUS XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research BUS XXXX XXXX XXXX  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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Statement of Facts : I maintain three active accounts with Capital One. Account XXXX was set to Autopay, but due to a technical discrepancy, the payment failed on XX/XX/year>. Upon discovery, I immediately paid the balance in full on XX/XX/year>. I called Capital One today, XX/XX/XXXX, at XXXX XXXX XXXX and spoke with XXXX in the XXXX. Despite my request for a waiver due to a system error, XXXX refused. Furthermore, she stated that while an escalation could be filed, " no phone number or address exists '' for complaints or executive relationsa statement that is factually incorrect and obstructive. Most distressingly, the representative threatened to disconnect the call if I did not have another account to discuss, effectively refusing to assist further with a legitimate dispute.

Basis for Complaint : Technical Error : The late fee ( {$40.00} ) was the result of an Autopay failure on your end, not a lack of funds or intent on mine. Service Obstruction : Being told that corporate contact information " does not exist '' is a violation of standard banking transparency. The threat of disconnection when a customer is seeking resolution is unacceptable.

Requested Action : A full reversal of the {$40.00} late fee. A formal response regarding the conduct of the representative and the refusal to provide escalation paths.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
" I am demanding the immediate and permanent removal of my name from the Federal Parents Plus Loan and the XXXX  Personal Loan. My signature was forged by my ex-spouse, and the Michigan XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) has legally decreed that I am not responsible for these debts. Despite providing notarized documentation and a Police Report multiple times, the companys internal records still incorrectly list me as a liable party. This is a violation of the court order and my rights as a victim of identity theft. I am seeking a formal confirmation that the company has closed these accounts in my name and updated its internal database to reflect that I have XXXX liability. If my name is not removed from the internal system immediately, I will initiate legal action against the company for non-compliance with a judicial order and persistent harassment regarding a fraudulent debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear CFPB. I need a lawyer for this matter. Wells Fargo they did not communicate with me properly. They want documentation, but they kicked log in into my account to print out all the chargers on my account which is almost $ 25XXXX. They said, they will follow up with to whats going on with the fraud activity but they never did. I have proof no communication with them. And treated me XXXX with all my money is gone. And closed the account. Yes how am I going to send documentation when they wont allowed me to long in on my account?

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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Unauthorized charges on a debit card. A charge of {$9.00} x XXXX total {$100.00} Merchant : XXXXXXXX XXXX XXXX XXXXXXXX There have been weekly charges of {$9.00} since XXXX The bank denied my claim despite being misled by the merchant, stating the card was in my possession at the time the claim was filed and during the time of the disputed activity A new card has already been issued

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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting my XXXX XXXX credit card account with an incorrect date opened of XX/XX/XXXX. The original XXXX XXXX account was active and receiving payments in XXXX, and it was handled by multiple collection agencies before LVNV. I sent written pay-for-delete letters to LVNV on XX/XX/XXXX but received no response. This reporting misrepresents the true history and age of the account, making it appear newer than it is. I am disputing the inaccurate reporting and requesting correction or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year>, I initiated a transfer from my XXXXXXXX XXXX account to Fifth Third Bank to pay my mortgage, following instructions provided by Fifth Third. 

The initial transfer attempt failed because Fifth Third advised that my linked XXXX account information needed to be refreshed on their system. I followed their instructions, re-verified the account using the required micro-deposit verification process, and attempted the transfer again. 

The second transfer was stopped for security reasons. I contacted Fifth Third, completed identity verification, and was told the transfer would be pushed through. Two days later, I received an email stating the transfer had been stopped again. When I called back, I was transferred to the fraud department, completed additional security verification, and was instructed to bring a XXXX statement to a Fifth Third branch to confirm account ownership. I was also advised that it would be easier to cancel the transfer and instead visit a branch to make the mortgage payment directly. Based on this guidance, I requested cancellation of the transfer. 

When I went to the Fifth Third branch to make the payment, I noticed the transfer was still pending in my XXXX account. A branch representative informed me that it could take up to five days for the cancellation to process. 

Five days later, the transaction posted in my XXXX account as a completed transfer to Fifth Third. However, the funds did not appear in my Fifth Third account or reflect as applied to my mortgage. Upon contacting the branch again, I was told that Fifth Third was holding the funds and would not release them until I proved that I am the primary account holder on the XXXX account. The representative could not confirm whether the funds would be credited to my Fifth Third account or returned to XXXX. I was told the review process could take an additional 35 days. I attempted multiple times to escalate the issue : once with the fraud department, once at a local branch and once through the customer service. While I was told it was escalated twice, I never received any follow-ups. Also, when I called the main customer service number, I was transferred to the 5/3 legal department. 

After hearing the new instructions, I brought a copy of my XXXX statement to Fifth Third. The next day, I received notification that my transfer completed. 

I am concerned about the lack of transparency on the status, unknown fund location when it was being held, the extended hold on my funds, and the inability to speak to anyone that could help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX, I authorized a payment by phone with a XXXX XXXX agent. This was the first time I had ever made a payment through an agent ; historically, I always paid online myself and had never experienced a returned payment, NSF, or processing issue. 

The payment in the amount of {$560.00} was initially posted and then reversed by XXXX XXXX and labeled as XXXX XXXX Account. XXXX XXXX own ledger also classifies this transaction as a system allocated payment, indicating a processing or routing issue on their end rather than insufficient funds or refusal to pay. 

At the time of authorization, sufficient funds were available, and the payment was made in good faith. Upon reviewing my account afterward, I observed incorrect or mismatched routing and account numbers on file, suggesting the error occurred in how the information was recorded or processed by XXXX XXXX 

After discovering the Late Payment Reporting, I contacted XXXX XXXX multiple times to request a correction. Despite explaining that the issue resulted from a processing error and incorrect account information, XXXX XXXX initially refused to correct or remove the late payment, instead attributing fault to alleged incomplete information provided by me, which contradicts their own ledger description. I saw for myself that the wrong bank name had been entered with the wrong account numbers. 

Once I became aware of the issue, I promptly brought the account current. On XX/XX/XXXX, a payment of {$1300.00} was applied. 

I have a long and consistent history of timely payments before and after this isolated incident. Reporting this as a late payment is inaccurate and misleading because the transaction failure resulted from internal processing errors rather than consumer delinquency. 

I am requesting correction and removal of the inaccurate late payment reporting, and that all credit bureaus be updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: MO

Complaint narrative:
Thank you for your response dated XX/XX/year>. I acknowledge World Acceptance Corporation XXXX XXXX statement that it is no longer furnishing my tradeline and is no longer attempting to collect the debt, and that the account has been updated to stop outbound communications. 

I am submitting this feedback as part of a new case, as my prior CFPB case XXXX was closed without receiving confirmation that the tradeline was fully deleted from my credit reports. This new submission is necessary to obtain clarification and written confirmation regarding the deletion of the tradeline. 

I am a victim of identity theft, I do not own this account, and I previously filed an FTC Identity Theft Report disputing ownership. Because of this, I am requesting confirmation of the following : That World Acceptance submitted a request to delete the tradeline ( not merely suppress or stop furnishing ) to all applicable consumer reporting agencies, including XXXXXXXX XXXX XXXX XXXX 

The date ( s ) on which the deletion request was transmitted to each bureau.

Confirmation that the request was for complete deletion of the tradeline, not an update, notation, or internal block. 

While the company states that it is no longer furnishing the account, that alone does not resolve inaccurate credit reporting. Because this account does not belong to me and was disputed as identity theft, continued reporting in any form is inaccurate and harmful. 

I am therefore requesting written confirmation through this CFPB portal that the tradeline has been deleted or that a deletion request has been formally submitted to the credit reporting agencies. Until this confirmation is provided and the tradeline is removed from my credit reports, this matter remains unresolved. 

Thank you for your attention and cooperation.

Company response to consumer: Closed with explanation