vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am not sure what is going on, but I have disputed these accounts multiple times and have never received a response. This has become very frustrating, and I am concerned that my efforts to address these issues are being overlooked. If I made an error in the process, it was certainly not intentional, as I have been doing my best to handle this matter properly and in good faith. Please carefully review the attached letter and conduct a thorough investigation into these disputed accounts. I am requesting that my credit report be made complete, accurate, and fully compliant with all applicable reporting requirements as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing this complaint regarding Capital Ones permanent closure of my credit card account and their refusal to allow me to use or redeem my earned rewards balance. My account was current and up to date at the time of closure. Capital One stated the closure was related to returned payments and/or unusual activity. However, the returned payments referenced were connected to additional payments I made toward the account, not missed or late payments. My required monthly payments were still made on time, and the account was never delinquent. Capital One closed the account without meaningful warning or an opportunity to resolve the issue. After closing the account, they also denied access to my accumulated rewards balance. I believe it is unfair for Capital One to retain the value of rewards earned through legitimate spending while simultaneously continuing to hold me responsible for the remaining account balance. At minimum, I am requesting that the rewards balance be applied as a statement credit toward the remaining balance owed on the account Additionally, the sudden closure of this account may negatively impact my credit profile through reduced available credit and increased utilization, despite my history of making timely payments. I am requesting the following resolution : Allow my earned rewards balance to be applied directly against my remaining account balance Provide a detailed explanation of the exact reason for the account closure Confirm accurate reporting to all credit bureaus Review whether the closure and forfeiture of rewards complied with Capital Ones obligations and consumer protection standards I made good faith efforts to keep this account current and responsibly managed. I am requesting a fair resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX XXXX i was the victim of a bad check scam that was done from my account at Bank of America. All of my account was drained and balance is now- {$2000.00}. They offered NO HELP and told me in a polite way it was MY FAULT and nothing their fraud dept could since I volunteered my info to the scammed. I had plenty of info on the situation to give and they wouldn't take any of it.Didnt even want to hear it verbally, offered zero help. I have been with them for 13+ years. It's where my monthly SSDI check was deposited. I have NEVER since I been with them had a negative balance. You think a loyal long term customer would be treated better, especially a XXXX veteran.

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 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting a goodwill review regarding late payment reporting on a XXXX XXXX XXXX credit card account that was closed in 2022. I contacted customer service to request assistance and was informed that the representatives could not access the archived account information due to the age of the account. I am not disputing ownership of the account or attempting to claim fraud. I am respectfully requesting that Fifth Third review the late payments reporting as a courtesy goodwill adjustment on the closed 5/3 account. I Also reached out to multiple executives via email. Never received a response. XX/XX/XXXX is the day those emails were delivered. This negative report is impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
On or about XX/XX/XXXX, I disputed the furnishing and collection reporting associated with a purchased charged-off credit card obligation originally issued as a revolving credit card account. My dispute did not concern only ownership of the underlying debt. Instead, I specifically disputed inaccurate and materially misleading furnishing fields being reported by the debt buyer. The original creditor tradeline reflects a revolving credit card account, while the current debt buyer is reporting the same underlying obligation as an Other Loan with an Open account status and a XX/XX/XXXX opened date. The XX/XX/XXXX date appears tied to the debt purchase or transfer chronology rather than the original account opening chronology, which materially misrepresents the age and nature of the obligation. I also disputed the continued duplicate derogatory reporting associated with the same underlying obligation across multiple tradelines. In response to my disputes and prior CFPB complaints, the company provided generic ownership and validation materials, including statements, bill of sale documentation, and assignment information. However, the company failed to meaningfully address the specific disputed furnishing fields or explain : why a charged-off revolving credit card obligation is being reported as an Other Loan, why the account is being reported as Open, why the opened date reflects the transfer/acquisition date rather than the original account chronology, and how duplicate derogatory reporting is being avoided. The response did not demonstrate that a reasonable investigation was conducted into the specific XXXX XXXX furnishing disputes raised. I request that the company : 1. Correct all inaccurate or materially misleading furnishing fields, 2. Properly classify the account consistent with the underlying revolving credit card obligation, 3. Correct misleading account status and opened-date reporting, or 4. Delete the tradeline if accurate furnishing can not be established. I am preserving all rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
Optum Financial was the Health Savings Account ( HSA ) provider for XXXX XXXX XXXX ( XXXX ). When XXXX XXXX XXXXXXXX ( XXXX ) acquired XXXX the XXXX provider switched to XXXX. However, my HSA funds failed to transfer during the mass company transfer. Hence, on XX/XX/XXXX I submitted a request to XXXX and the following day on XX/XX/XXXX XXXX submitted a request to Optum Financial for those funds to move from Optum to XXXX. The request was made via Fax, because that is what Optum requested ( I was told they don't participate in electronic transfers ) - hence the old school method. XXXX weeks later Optum Financial had yet to take action and so at the end of XXXX, XXXX sent an overnight request, this time via US mail. After numerous calls and chats including tickets that Optum has opened, they continue to claim that the transfer request has never been received. Most recently, last week, I had a XXXX way call with XXXX and Optum - again, Optum said nothing has been received even though XXXX shared all the details of when they had fax and mailed my transfer requests. I was forced to liquidate my HSA investments months ago and it all sits in cash now, Optum pays no interest to me and my balance is well over XXXX digits. Hence, Optum playing coy and ignoring the transfer requests means they get to keep making money on my HSA funds and I continue to lose since I can't invest and grow this important account. Optum Financial has done nothing to facilitate the transfer and is literally holding my funds hostage. In this time of modern technology, there is literally XXXX excuse for this to play out this way- Optum is playing in circa XXXX technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am filing this complaint regarding Shellpoint Mortgage Servicings mishandling of my escrowed property tax payment for my property located in XXXX, Maine. Shellpoint submitted the property tax payment to the XXXX XXXX XXXX using an incorrect lot number. As a result of Shellpoints clerical error, the payment was not properly applied, causing interest and/or late charges to accrue with the municipality. Despite the issue being caused entirely by Shellpoints servicing error, Shellpoint subsequently debited my escrow account to pay the resulting interest of {$100.00}. I have spent approximately two months attempting to resolve this issue directly with Shellpoint. During this time : * I have repeatedly contacted customer service ( about 6 phone calls ) * I have explained that the incorrect lot number submitted by Shellpoint caused the tax payment issue * I have requested escalation to management or a supervisory resolution team * I have requested reimbursement of the improperly charged interest/penalties Despite these efforts, the issue remains unresolved. I have also been denied meaningful escalation opportunities and have been unable to speak with a manager empowered to resolve the matter. This situation reflects improper escrow servicing and failure to properly administer property tax payments despite Shellpoint collecting escrow funds for that exact purpose.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Venmo froze my account with a balance of $ XXXX the end of XXXX. They asked for ID and I provided that and also asked for verification of transactions on account to which I also verified all transactions were indeed mine. They then asked for statements of other accounts of mine which I felt like was unethical and unnecessary since I had already said all transactions were mine but i submitted all of the requested account statements. I was then told my account was closed and reason not given nor explained and told I could not withdraw my funds for 180 days. I have called and emailed to no avail. When I call i am told I can not access my money to even withdraw it and that I must wait 180 days. For what reason? All of the transactions on the account are mine and are legitimate. I ask to speak to a supervisor and am told I have to talk to the account specialist who have no phone number only email. I ask for the email address to contact them and are told they dont know the email address and therefore can not give it to me. I feel scammed completely and I feel like as soon as I gave them my sensitive other account information they closed my account and I am very concerned with what they have access to now to my other accounts meanwhile I can not access my own money. There was no reason to freeze it to begin with and certainly no reason to request external checking account information in the way they did, but I felt like I had to comply to be able to access my own money and i can not even do that now. I want no further business with Venmo but I need the {$270.00} in that account. I dont have an excess of money that I can simply wait the 180 days for. This has already caused a lot of problems financially for me because I live paycheck to paycheck. I just need to withdraw my money period

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
( Accreditation Misrepresentation Student Loan Harm ) * * I attended the XXXX XXXX XXXXXXXX from approximately XXXX through XXXX, enrolling in what the University represented as a XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) program offered in XXXX XXXX, Florida. At the time of enrollment, the University represented that this XXXX program was properly accredited, including recognition by XXXX XXXX accrediting bodies such as XXXX and XXXX, and that completion of the program would qualify graduates for XXXX employment nationwide, including federal employment. I relied on these representations when deciding to enroll and when agreeing to finance my education through student loans. I would not have incurred this debt had I known that the programs accreditation status would later prevent my degree from being recognized by major XXXX employers. After completing the program and entering the workforce, I learned that my XXXX was not accepted by Veterans Affairs ( VA ) XXXX or by multiple neighboring hospitals. When I attempted to seek employment with VA facilities, I was informed that the XXXX XXXXXXXX XXXX XXXX XXXX was not recognized as an accredited institution on the XXXX approved list during the relevant period. As a result, I was disqualified from employment opportunities for which a valid XXXX was required. Because of this lack of recognition, my degree has not produced the professional advancement or employment eligibility promised, despite successful completion of the program. I incurred substantial student loan debt based on the belief that I would obtain a recognized XXXX degree. Instead, I remain unable to advance professionally, and I continue to experience ongoing financial harm related to the loans used to finance this education. The Universitys representations regarding program accreditation and employability were material to my decision to enroll and borrow. These representations proved to be inaccurate or misleading as applied to my program and circumstances. The harm did not end at graduation ; it continues today because my loans remain enforceable while the degree does not provide the employment value represented. I am submitting this statement in connection with my CFPB consumer complaint concerning student loan obligations incurred due to these representations, and in support of a request for appropriate relief through the Borrower Defense to Repayment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: SC

Complaint narrative:
I am disputing a XXXX collection account currently reported under my credit history for approximately {$2000.00}. The line and device associated with this balance were transferred through a Change of Responsibility process to another account holder. After the transfer, the financial responsibility should not have remained under my account. Despite this, the balance continued to be billed and later sent to collections. I believe the account is being inaccurately reported and I am requesting a full investigation, verification of contractual responsibility after the transfer date, and removal of any inaccurate credit reporting associated with this 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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC regarding inaccurate credit reporting, failure to properly investigate disputed information, failure to validate alleged debt, and violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). LVNV Funding LLC continues reporting disputed collection accounts on my credit reports with XXXX XXXX XXXX XXXX despite failing to provide proper validation or supporting documentation for the alleged debt. The accounts are allegedly associated with XXXX XXXX Bank, however the company has not provided complete account statements, chain of assignment, proof of ownership, or sufficient documentation to verify the accuracy or legitimacy of the alleged balances. The tradelines contain incomplete, inaccurate, and misleading information, including missing dates of first delinquency, missing dates of last payment, incomplete account history, and lack of documentation validating the alleged debt. Despite these deficiencies, the company continues reporting the accounts as verified. On or about XX/XX/XXXX, I sent a written dispute directly to LVNV Funding LLC requesting investigation and validation of the accounts. On or about XX/XX/XXXX, I also submitted disputes to Equifax, Experian, and TransUnion. To date, I have not received proper validation or sufficient documentation supporting the alleged accounts. Despite this, the company continues furnishing the same disputed and unverifiable information to the credit bureaus and continues collection activity. I believe this conduct violates the FDCPA, including but not limited to : XXXX U.S.C. XXXX use of false, deceptive, or misleading representations in connection with debt collection ; XXXX XXXX. XXXX use of unfair or unconscionable means to attempt to collect a debt ; XXXX XXXX. XXXX failure to provide proper validation of the alleged debt after dispute. I also believe this conduct violates the FCRA, including but not limited to : XXXX U.S.C. XXXX ( b ) failure to conduct a reasonable investigation after receiving notice of dispute ; XXXX U.S.C. XXXX ( b ) failure to follow reasonable procedures to assure maximum possible accuracy of reported information ; continued reporting of inaccurate, incomplete, and unverifiable information. Their actions have caused harm to my XXXX XXXX, reduced access to credit opportunities, increased financial costs, and emotional distress including stress, anxiety, and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Asset Recovery Bureau LLC
State: OH

Complaint narrative:
asking continuously my private information, not specify accurate debt information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

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