vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection account listed as SPRINGOAKCAP XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under XXXX U.S.C. XXXX ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under XXXX U.S.C. XXXX ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I have received at least 66 calls from them from XX/XX/year> to XX/XX/year>. This includes at times being called 4 times in one day, including Sundays. These are just the calls. I also received at least 13 texts in the month of XXXX, as well as phone calls from a local phone number, which I believe was the branch. I know they want their money, but their are rules against harassment and abuse! As a member of the credit and collection industry I think the CFPB should look into enacting Reg F on first party creditors as well, because this is outright harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I filed a CFPB complaint against American Express for violating the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ) by re-billing {$1100.00} to my account without written notice or legal justification ( Dispute Ref : XXXX ). On XX/XX/year> the very next day American Express sent me a formal account warning ( Dispute Ref : XXXX ) stating : " we reserve the right to cancel your account ( XXXX ) if we determine that you are not exercising your dispute rights in good faith. If this happens, we will not be able to reinstate your account ( XXXX ). '' This constitutes unlawful retaliation against a consumer exercising federal billing dispute rights, in violation of XXXX U.S.C. XXXX ( a ) ( XXXX ), XXXX C.F.R. XXXX ( Regulation XXXX ), and XXXX U.S.C. XXXX ( XXXX ). Threatening account closure in direct response to a CFPB complaint is an unfair and abusive practice. I request that the CFPB investigate this retaliatory conduct and confirm that American Express is prohibited from taking any adverse action against my account in connection with my exercise of federal consumer rights. Screenshots of the retaliatory warning letter are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
I am disputing a medical debt that has been sent to collections despite never being properly billed. This account relates to XXXX services from a hospital visit in XXXX. At the time, I received two invoices from the provider, both of which I paid in full. I have retained documentation and proof of payment for those invoices. I was never invoiced for the additional charge that has now been sent to collections. After receiving a collection notice via text message ( from a number that appeared suspicious ), I had to independently track down the alleged debt because the provider name listed was unclear and did not match my records. When I contacted the collection agency, I was not provided clear information and was treated unprofessionally when I requested to dispute via phone call as instructed by the text statement. I then submitted a formal written dispute. In response, I was provided inconsistent and contradictory billing documentation : One statement shows a XXXX balance, confirming that the invoices I received were paid in full Another statement shows a balance in a 030 day status dated XX/XX/2023, which I never received No documentation has been provided showing that this statement was ever mailed or delivered to me There is no billing history showing the account becoming past due prior to being sent to collections Additionally, the documentation references a provider that I do not recognize and for whom I never received a bill. At no point was I given a fair opportunity to review or pay this charge before it was sent to collections. This is not the first time I have experienced billing issues with the main provider ( XXXXXXXX XXXX XXXX XXXX ) sending accounts to collections despite payment of all invoices received. I am requesting : 1. Documentation proving that this specific charge was properly billed and delivered to me 2. A complete and consistent itemized billing history reconciling the conflicting account balances 3. An explanation for why this account was sent to collections without evidence of delinquency 4. That this account be removed from collections if proper billing can not be demonstrated Until such documentation is provided, I dispute the validity of this debt.

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 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
For several years, Navy Federal Credit Union has repeatedly conducted unauthorized electronic fund transfers from my checking and business accounts to pay a credit card balance without my valid authorization. Despite making my required monthly payments on my credit card, the company continued to withdraw additional funds from my accounts and apply them toward the credit card balance. This resulted in improper depletion of my available funds and negatively impacted my financial stability. Most recently, approximately {$360.00} was withdrawn from my checking account without my authorization. After contacting the company and disputing the transaction, they reversed several similar unauthorized transfers ( approximately XXXX transactions ), which indicates that these withdrawals were improper. However, the issue has not been permanently resolved, and unauthorized withdrawals continue to occur. I have contacted Navy Federal multiple times to dispute these transactions and explicitly instructed them to stop making unauthorized withdrawals. Despite this, the conduct has continued over an extended period. These actions have caused financial harm, including loss of access to funds, disruption of my cash flow, and negative impact to my credit due to improper application of payments. I believe these actions constitute unauthorized electronic fund transfers in violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation XXXX, as I did not provide valid, ongoing authorization for these withdrawals. I am requesting a full investigation, a complete accounting of all transfers made from my accounts to the credit card, a refund of all unauthorized withdrawals, and a permanent stop to any further unauthorized transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My vehicle was repossessed without required 10 day notice by Maryland law. I had filed bankruptcy but decided not to complete because I did not want to give up the car. I tried to make payments will under bankruptcy protection. Capital one would not let me make them. I made several attempts. Then they came and repossessed the vehicle without notice. I called Capital one and they admitted no contact was made because of cease and desist. But my bankruptcy was canceled 5 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had recently filed a fraud claim on my Chase account from various merchants totaling up to XXXX XXXX dollars. Today all of a sudden my balance has shot up almost {$7000.00} with no reasoning - I have attempted to pick up their calls when they ask me about these charges but they instantly hang up or send me to voicemail, and have tried calling them, but their team never seems to be in. I would like to speak to someone or attempt to figure out what is going on because this does not seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Auto pay set to pay minimum due on due date monthly from the same checking ( funding ) account that has been listed as a payment method since XX/XX/XXXX. On XXXX XXXX, 2026 I received a confirmation email that my payment had been processed. On XX/XX/XXXX, I received an email/text that I needed to make a payment of my PPMC and XXXX late fee has also been added to the outstanding balance. I immediately made another minimum due payment from the same funding account listed. I received a payment confirmation email on XXXX XXXX, 2026. I called on XX/XX/XXXX2026 and inquired about why I was billed a late fee and to ask for a fee adjustment. I was provided the adjustment and was never provided a reason as to why, I was just referred to another number for explanation. I called back on XXXX XXXX, 2026, I called back that same evening to inquire with the department that could explain why my payment was bounced per the previous associate told me it was a problem with my XXXX account that was causing the payment to bounce if using the same funding account. At a turning point in the call, the associate I was speaking to looked at my account history and stated to me if the late fee had been adjusted- why was I still calling? I explained to him again that if there was a problem with the funding account I need to know of I need to change to prevent this from occurring in the future. I wrapped the call requesting a supervisor call back per the associate I spoke too clearly had no interest in assisting me at all.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
CREDENCE RESOURCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE 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 XXXX Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Date : XX/XX/XXXX Re : Request for Removal of Late Fees and Reversal of Negative Credit Reporting Account Number : [ Last 4 digits of account XXXX XXXXXXXX ] Dear Comenity Bank XXXX Department, I am writing to formally dispute late charges assessed for XX/XX/XXXX and to request the reversal of any negative credit bureau reporting associated with this account. In XX/XX/XXXX, I paid the full statement balance on my Comenity Bank account. Despite the balance being paid in full, interest charges were subsequently applied a few days following me paying full statement balance. These improperly billed interest charges resulted in a remaining balance that I was not aware of at the time. Throughout XX/XX/XXXX, I made multiple attempts ( at least twice ) to log into the Comenity Bank credit website to review my account and ensure there were no outstanding balances. On each attempt, the website was non functional and unavailable, with no notice or guidance provided regarding when access would be restored. Due to the site outages, I was unable to view or address the erroneous charges in a timely manner. On XX/XX/XXXX, I contacted Comenity Bank by phone and paid the entire remaining balance of interest and late charges in full. During this call, the customer service agent advised me that to dispute the late fees and negative credit bureau reporting, I must submit a written request to this address. Given the following facts : The account statement was paid in full in XX/XX/XXXX Interest and late charges were incorrectly applied afterward Website outages prevented account access in XX/XX/XXXX The remaining balance was promptly paid once identified I respectfully request the following actions be taken : 1. Reversal and correction of any negative credit bureau reporting related to this issue 2. Confirmation that the account is now current and in good standing I have a strong payment history and take my credit obligations seriously. This situation arose due to unfair billing practices processing additional charges once a statement balance has been paid in full. Additionally, when I attempted to resolve this matter in XXXX, the payment website was down and did not grant access online to review account nor make payment. I expect full resolution and removal of the negative credit reporting that was processed in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
On XXXX/2026, I submitted a formal loan reconciliation request to MOHELA through their online portal. I am awaiting their response. ____________________________________________________________________ Subject : Formal Request for Loan Balance Reconciliation and Accounting Message : I am requesting a formal reconciliation of my student loan balance. MOHELA previously provided a full life-of-loan payment history ( 2003present ), which matches my personal records. This confirms that all payments have been accounted for. According to the payment history provided by MOHELA : Total Amount Paid : {$20000.00} Total Principal Paid : {$8800.00} Total Interest Paid : {$11000.00} Total Fees Paid : {$500.00} Current Unpaid Fees : {$110.00} Based on this breakdown, approximately {$8800.00} has been applied toward principal. However, my current balance does not reflect a corresponding reduction in principal. While I understand that interest accrual and capitalization can increase a loan balance, I am requesting a full reconciliation demonstrating how these payments were applied and why they did not result in a meaningful reduction of the principal. This is not a dispute regarding missing payments. It is a request for a complete accounting reconciliation. Please provide the following : 1. Original principal balance at disbursement 2. Dates and amounts of all capitalization events 3. Total interest accrued over the life of the loan 4. Total amount applied to interest 5. Total amount applied to principal 6. Current principal balance 7. A detailed explanation reconciling how approximately {$8800.00} in principal payments did not result in a reduction of the current balance 8. Explanation of the current unpaid fees balance of {$110.00} XXXX. Identification of any issues related to servicing transfers from XXXX XXXX to XXXX to MOHELA Additionally, this issue has already been disputed with all three credit bureaus, which verified the current balance as of XXXX XXXX, 2026. If the reported balance is inaccurate, I request the correction of all credit reporting. Please treat this as a formal request for investigation and provide a detailed written response with a full accounting reconciliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
The complaint concerns a WISE XXXX failure to return customer funds after a formal request to close an account. Despite the customer following the required procedures to terminate the account, the company has not processed the withdrawal or refunded the remaining balance within a reasonable timeframe. This has caused financial inconvenience and raised concerns about the companys reliability and handling of client funds. Additionally, the company has requested excessive and inappropriate personal information during the account closure process. The nature and scope of the requested data appear unnecessary for verifying identity or completing the closure, raising serious concerns about data privacy and compliance with standard financial regulations. Such requests may expose customers to potential misuse of their personal information. Overall, the situation reflects both a failure in fulfilling financial obligations to the customer and questionable practices regarding personal data collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection account listed as RS CLARK XXXX XXXX I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under XXXX U.S.C. XXXX ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under XXXX U.S.C. XXXX ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: AR

Complaint narrative:
LMMINC is falsely reporting on my credit. I have never had any accounts with them. Per my research LMMINC 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 XXXX Code XXXX - 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 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I am filing a complaint regarding inaccurate and improper debt collection and credit reporting. I previously disputed this alleged debt in writing with XXXX XXXX XXXX XXXX and requested proper validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). The company failed to provide adequate validation, as they did not supply any signed agreement, complete account history, or proof of their legal authority to collect this debt. Despite my written dispute and request that all collection activity cease until proper validation was provided, the company continued collection efforts in violation of the FDCPA. Additionally, this account has now been reported to my credit file through TransUnion, and it is not being reported as disputed, despite my prior written dispute. This is inaccurate and misleading reporting and a violation of the Fair Credit Reporting Act ( FCRA ). Furthermore, the account is now being reported and/or pursued by a different company, which raises serious concerns about the accuracy of the debt and whether the reporting entity has any legal authority to collect or report this account. This debt is not accurately reported, and I dispute its validity and ownership. The reporting company is not the correct collector, and no proper validation has been provided. I am requesting the following : Immediate deletion of this account from my credit report Cessation of all collection activity Proper investigation into the inaccurate reporting and handling of this account I have retained copies of all correspondence and am prepared to escalate this matter further if necessary. I first disputed this alleged debt on XXXX XXXX, 2026, and requested proper validation. All correspondence was sent via certified mail with confirmed delivery and signature, establishing proof that my dispute was received.

Company response to consumer: Closed with explanation