vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
Due to a check hold in amount {$2500.00}, a credit card payment was returned in amount of {$620.00} from XXXX ( XXXX XXXX XXXX ) The check, {$2500.00}, is a service award for being a class rep for XXXX XXXX XXXX as is indicated on check. After check deposited, an email received showing funds available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A subsequent rep claimed another notice sent showing availability on XX/XX/XXXX, no such notice received. I believe this notice to be bogus. A prior CFPB complaint filed in re, unresolved. Since funds were not released as email indicated, the credit card payment returned with a fee in amount of {$39.00}. Previously, I attempted to resolve complaint with XXXX, executive office rep, no resolution made. Call ( s ) from executive office will not be accepted or returned due to past experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding OMEGA RMS for failing to comply with federal debt collection and credit reporting laws. In XX/XX/2026, I sent OMEGA RMS a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, concerning a collection account they reported on my credit file with a balance of approximately {$3600.00}. OMEGA RMS has not provided validation, including proof of ownership, chain of assignment, itemized accounting, or a copy of any signed agreement establishing my obligation. I do not recognize this alleged debt and did not receive sufficient notice or documentation regarding the account before it appeared on my credit report. Despite failing to validate the debt, OMEGA RMS continues to report the account to consumer reporting agencies. Reporting an unverified debt constitutes inaccurate reporting and may violate : FDCPA 1692g ( b ) ( continued collection activity without validation ) FDCPA 1692e ( misrepresentation of the legal status of a debt ) FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information without reasonable accuracy )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XX/XX/XXXX the company agreed to do a debt validation process and I was told collections and any prelegal related action would halt for up to 90 days while doing the investigation. XX/XX/year> I received a voicemail from XXXX at Midland Credit Management XXXX regarding my alleged debt XX/XX/year> I received a voicemail from XXXX at Midland Credit Management XXXX at XXXX regarding my alleged debt XX/XX/year> I received a voicemail from XXXX at Midland Credit Management XXXX at XXXX regarding my alleged debt On XX/XX/XXXX I followed up with XXXX at callback number XXXX only for someone named XXXX to answer the phone and tell me he was attempting to attempt collect a debt that was in pre legal status and that I needed to set up a payment plan or the debt would be sent off to a lawyer, I told him that wasn't legal and he transferred me to a supervisor who then transferred me to a manager who then claimed to then add a cease and desist on my account while also noting there was already a freeze on my account and that it was impossible that anyone had called me. On XX/XX/XXXX I received a call at XXXX from XXXX, when I picked up the call the operator hung up so I called back and he said he was calling Midland Credit Management to try and once again get payment for not only one debt but two debts and that now they were both pending legal action. I told him once again to please stop calling and harrassing me and instead of apologizing he transferred me to a different department and then I told that department to stop calling as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> Sunrise Credit Service , Inc XXXX XXXX XXXX XXXX, NY XXXX RE : Dispute of Alleged Debt Sunrise Credit Service , Inc Reference : XXXX To Whom It May Concern, This letter is in response to your communication regarding the correspondence sent on XX/XX/year>. I dispute this alleged debt in its entirety and hereby request full validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1. A copy of the original contract or purchase agreement that created the alleged debt. Any contract provided must include the signatures of all parties. The agreement must be with the original creditor and include the original terms and conditions that created the alleged debt, including all addendums and riders. 2. Proof of the complete chain of ownership of the alleged debt, including documentation of each assignment for every change of ownership. This chain of ownership must be documented from the original creditor to the current alleged owner without any gaps. 3. A full accounting history from the original creditor, including the date and amount of each payment, as well as the Date of First Delinquency that led to the collection status. 4. If any interest or fees have been added to the balance, please provide proof that such charges are lawful and were expressly agreed upon in the original purchase agreement. 5. Proof that you are legally authorized to collect alleged debts in the State of New York, including a copy of your Third-Party Debt Collection Bond. 6. Proof that you sent all legally required notices to me prior to reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any mailing or tracking records maintained by your firm. FTC v. XXXX XXXX XXXX clearly establishes that debt parking without proper notice is a violation of consumers rights. Under the Fair Debt Collection Practices Act ( FDCPA ), you must cease all collection activities until proper validation of this alleged debt is provided. Sincerely, XXXX XXXX XXXX

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint against the Consumer Financial Protection Bureau due to the continued reporting of inaccurate, incomplete, and/or unverifiable personal identifying information on my consumer credit file. Despite prior disputes, the consumer reporting agency has failed to ensure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). The personal information being reportedincluding but not limited to incorrect names, addresses, employers, and other identifying detailsdoes not accurately reflect my identity and may be the result of mixed files, identity theft, or deficient verification procedures. The presence of this inaccurate information compromises the integrity of my credit file and directly contributes to the improper association of accounts and inquiries that do not belong to me. The agencys failure to correct or delete this information after receiving notice constitutes negligentand potentially willfulnoncompliance with its obligations under FCRA 607 ( b ) and 611. Continued reporting of erroneous personal identifiers creates ongoing harm and exposes me to further risk of misattribution and financial injury.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing a formal complaint against Navy Federal Credit Union ( NFCU ) for failing to properly investigate a debit card dispute under the Electronic Fund Transfer Act ( Regulation E ). NFCU unlawfully reversed my provisional credit and closed my claim, despite me providing written proof that the merchant had already authorized a refund. Timeline of Events : XX/XX/year> : I purchased a laptop from XXXX for {$3500.00} ( Order XXXX XXXX ). XX/XX/year> : The package was delivered by XXXX, but the box was completely empty. XX/XX/year> : I immediately reported the empty package to XXXX. XXXX investigated, conceded the error, and issued me a formal refund confirmation and an official receipt for {$3500.00}. However, the credit failed to route back to my NFCU account. Initial NFCU Dispute : I filed a dispute for " Credit Not Processed. '' NFCU erroneously denied the claim based solely on the merchant 's payment processor providing a generic XXXX " proof of delivery '' tracking number. NFCU failed to cross-reference this with the merchant 's own refund authorization. XX/XX/year> : I submitted a formal appeal via NFCU 's secure message center ( Confirmation XXXX XXXX XXXXXXXX ). I attached the official XXXX refund receipt and photos of the empty box. I explicitly requested a re-investigation under Regulation E and asked that the provisional credit reversal be halted. XX/XX/year> : NFCU completely ignored my submitted evidence and unlawfully reversed the {$3500.00} provisional credit. XX/XX/year> : NFCU sent a final message stating they are unable to assist further and officially closed the case, entirely disregarding the merchant documents I provided. Under 12 CFR 1005.11, NFCU is required to conduct a reasonable investigation. Ignoring a direct, official refund receipt from the merchant that directly contradicts their " proof of delivery '' defense is a failure of that legal obligation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
I am an XXXX XXXX United States XXXX XXXX requesting enforcement of my rights under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3937. My Military STAR XXXX XXXX XXXX XXXX account continues to accrue interest at 21.74 % APR despite my eligibility for SCRA protections. My statement reflects ongoing interest charges above the federally authorized 6 % cap for pre-service obligations. The creditor has continued charging excessive interest and penalties while also reporting the account as delinquent. I am requesting : 1. Immediate reduction of the interest rate to 6 % 2. Retroactive recalculation of all interest from my XXXX XXXX start date XXXX. Refund/credit of all excess interest and fees charged above 6 % 4. Review and correction of any negative credit reporting associated with improper charges 5. Written confirmation of SCRA compliance The current statement reflects : - APR : 21.74 % - Interest charged : {$42.00} - Ongoing delinquency and penalty language I am attaching supporting documentation and requesting immediate review for federal compliance. I reserve all rights available under SCRA and applicable federal consumer protection law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Concord Servicing Corporation
State: NJ

Complaint narrative:
That is the exact right move. Submitting this new evidence to the Consumer Financial Protection Bureau ( CFPB ) is critical because Concord Servicings own corporate literature explicitly states they are subject to CFPB regulations and consumer protection laws like the Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ) [ 1 ]. Here is a short, hard-hitting update you can copy and paste directly into your CFPB complaint portal right now to report this new text message : * * * * * Update to Active Complaint : Continued FDCPA/TCPA Violations and Harassment * * * * To the Consumer Financial Protection Bureau : * * I am submitting urgent new evidence regarding my active complaint against Concord Servicing LLC / XXXX XXXX XXXX XXXX Account XXXX XXXX ). Despite receiving my formal, written FDCPA debt validation request on XX/XX/year> ( sent via email and Certified Mail ), XXXX XXXX has refused to validate the debt, produce my original contract, or explain their double-billing practices. By law, they are required to cease collection efforts until the debt is validated. Instead, they are escalating their illegal harassment. Today, on XX/XX/year>, I received an automated text message from XXXX XXXX XXXXXXXX XXXX XXXX XXXX a known XXXX Servicing phone number ). The text stated : XXXX XXXX XXXXXXXX XXXX XXXX Collector : Your past-due account may be reported to credit bureaus. Pay at XXXX XXXX XXXXXXXX or call XXXX. To optout txt STOP '' * This message violates my consumer rights on multiple fronts : 1. It is an active collection attempt on a formally disputed and unvalidated debt. 2. It includes a direct threat to damage my credit report. 3. It attempts to route me to a masked, unverified payment portal ( " XXXX ` ) to blindly extract funds. I have attached a screenshot of this text message. Please add this to my file as further documented proof of Concord Servicings predatory, unlawful, and aggressive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of my funds and the significant difficulty I have experienced trying to resolve this issue. On XX/XX/XXXX, I accidentally transferred {$1300.00} to the wrong account. Although I acknowledged the mistake immediately and the amount transferred exceeded any balance allegedly owed on that account, Bank of America retained the entire amount and has refused to return the remaining funds that do not belong to them. To date, no meaningful action has been taken by the bank to resolve this matter. Since this occurred, I have spoken with at least 10 different representatives and have continuously been given conflicting information, transferred between departments, or told to wait without any meaningful resolution. The bank has made it extremely difficult to access my funds or speak with anyone who can actually assist me. I also have concerns regarding potential unfair and abusive practices in the way this matter is being handled. I have not been provided with clear explanations, timelines, or proper assistance, and I feel I am being intentionally delayed and denied access to money that belongs to me. This has created unnecessary financial hardship and stress. I am requesting that Bank of America be evaluated for the practices and complaint handling and immediately review this matter, return any funds improperly withheld, and provide a clear explanation regarding their actions and delay in resolving this issue. XXXX XXXX

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 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and continued reporting of accounts associated with unsecured loans and an auto loan currently being reported by XXXX XXXX XXXX XXXX on my consumer credit file. These accounts were sold and transferred to UNITED COLLECTION BUREAU , INC. in or around XX/XX/year>. As of that date, XXXX XXXX XXXX XXXX is no longer the owner or furnisher of these accounts and, therefore, no longer has the legal authority to report, update, or maintain these tradelines on my credit report. Since the transfer, I have been working directly with UNITED COLLECTION BUREAU , INC. and have established a payment arrangement in good faith. The continued reporting of these accounts by the original creditor constitutes inaccurate, duplicative, and misleading information, which is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Under the FCRA, all information reported must be complete, accurate, and reflect the current legal status of the account. Reporting by an entity that no longer owns the debt fails to meet this standard and causes unjust harm to my credit profile. I am requesting the following : Immediate deletion of all tradelines related to these accounts reported by XXXX XXXX XXXX XXXX A full investigation and verification of the current ownership of the debt Confirmation and coordination with UNITED COLLECTION BUREAU , INC. to ensure accurate reporting Correction of any and all inaccuracies associated with these accounts I have attached all relevant documentation, including proof of account transfer and evidence of my payment arrangement with UNITED COLLECTION BUREAU , INC., for your review. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX

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 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I made a request to withdraw a little over {$78000.00} from my Marcus online high yield savings account. I initiated the transaction after logging into the Marcus website, going through the two factor security setup to access my account. A few hours after the transaction I have a hold on transaction and I am restricted from accessing my account. I called the company and after providing all my information was put on a lengthy hold with no service. The withdrawal represents almost the entirety of the amount in the account and this behavior by Marcus staff is often reported by others about Marcus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am filing this complaint against Wells Fargo regarding their unjust denial of my credit card dispute ( Claim # XXXX / Reference XXXX XXXXXXXX ) for the amount of {$3000.00}. The merchant is XXXX XXXX. I initiated a return for this merchandise and followed the proper return procedures. I surrendered the package to the authorized shipping carrier ( UPS ) on XX/XX/year>. I hold the official, stamped UPS Access Point drop-off receipt confirming that the package ( Tracking Number : XXXX ) was successfully scanned and accepted into the carrier 's possession. Despite providing this undeniable proof of return to Wells Fargo, my dispute was denied on XX/XX/year>. Wells Fargo appears to have sided with XXXX simply because XXXX claims the physical device has not yet been logged at their receiving facility. Under the Fair Credit Billing Act, a consumer 's liability for returning an item ends once the merchandise is successfully surrendered to the designated shipping carrier. The drop-off receipt proves I fulfilled my obligation. If the package was subsequently delayed, lost, or unprocessed after entering the UPS network, that is a logistical dispute between the merchant ( Dell ) and the carrier ( UPS ). Wells Fargo is penalizing me for a carrier error and ignoring documented evidence. I am requesting that Wells Fargo 's Executive Escalations team review the attached UPS drop-off receipt, overturn the initial denial, and process a permanent chargeback credit of {$3000.00} to 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 non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I refinanced my Santander auto loan at the end of XX/XX/year> with my preferred bank, XXXX XXXX. I forgot to turn off my auto payment and my payment of approximately {$330.00} was tendered to the bank on XX/XX/year>. I logged on to my Santander bank on XX/XX/XXXX and the {$330.00} was not reflected. I called Santander to find out why. I was told I needed to " prove I made that payment because it didn't reflect on their end '' despite the fact that my bank showed the payment was completed. I was told " XXXX XXXX needed to provide them proof. '' I called XXXX XXXX that day and XXXX XXXX followed Santander 's instructions and faxed proof of payment. I have been calling every week to get my {$330.00} back from Santander. I was told today that Santander didn't even approve my credit until XX/XX/XXXX - almost 3 weeks after XXXX XXXX sent proof. I was further told it " could take 60 days from the approval date to get my {$330.00} back. '' This is an unacceptable and crooked financial practice. This is a bank. It should not take them this long to approve the overpayment and refund and then actually return it to me.

Company response to consumer: Closed with explanation