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: ProCollect, Inc.
State: GA

Complaint narrative:
I am formally disputing several collection accounts that appear on my credit report because I believe they are the result of identity theft and inaccurate reporting. These accounts are negatively affecting my credit score and preventing me from being approved for housing, credit, and other financial opportunities. I am requesting an immediate investigation and removal of these accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ). XXXX. ProCollect Balance : {$1500.00} Date Opened : XX/XX/XXXX I have never lived at the address associated with this account and do not recognize or authorize this debt. I believe this account may have been opened fraudulently or reported due to identity theft. XXXX. XXXX XXXX XXXX XXXX XXXX. Balance : {$1500.00} Date Opened : XX/XX/XXXX I have no knowledge of this account and do not acknowledge responsibility for this debt. I am requesting verification and proof that this account belongs to me. XXXX. Receivable Management Services Balance : {$570.00} Date Opened : XX/XX/XXXX I do not recognize this account and believe it XXXX be fraudulent. I request immediate verification or removal if the account can not be validated. XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX I am disputing this account because I do not believe it belongs to me and I have not authorized this debt. XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX I do not recognize this account and believe it XXXX be connected to identity theft or inaccurate reporting. These accounts are causing significant harm to my credit profile and financial standing. If the companies can not provide proper documentation proving these debts belong to me, I request that they be deleted from my credit report immediately.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am filing a complaint against Onity Mortgage, previously known as PHH MortgageXXXX, regarding their refusal to honor my mortgage reinstatement payment and their continued foreclosure actions. Onity Mortgage provided me with a reinstatement amount of {$11000.00} and instructed me regarding the payment process. I made the payment on XX/XX/XXXX, which was the date requested by the mortgage company. Their representatives personally walked me through the payment process and at no time did anyone advise me that the payment could not be accepted or would be considered late because of internal processing delays. Onity Mortgage is now claiming that because their system did not post the payment until XX/XX/XXXX, they will not honor the reinstatement agreement. They are demanding an additional approximately {$1200.00} on top of the {$11000.00} that I already paid. In addition, the company rejected the payment approximately 10 days later, but the funds still have not been returned to my account. Despite this, foreclosure activity is continuing. I believe this conduct is unfair and improper for several reasons : - I made the payment on the required date ; - I relied on the instructions and guidance provided by Onity Mortgage employees ; - The delay appears to be related to their internal processing system, not my failure to make payment ; - No one informed me that payment would not be honored if their system processed it after the deadline ; - The company held my funds for days before rejecting the payment, while continuing foreclosure proceedings and adding more fees and as od today XX/XX/year> my account still has not been credited so i can not make any payments until I receive the XXXX I have talked with XXXX supervisors XXXX XXXX XXXX ( XXXX ) Told me it was my fault, basically she don't care and I would need to contact my bank to get my money back Supervisor 2 : XXXX awaiting his return phone call as of today he hasnt call back yet I am requesting that Onity Mortgage : 1. Honor the original reinstatement payment of {$11000.00} ; 2. Immediately stop foreclosure proceedings ; 3. Remove the additional charges and fees ; I have supporting documentation including proof of payment, reinstatement communications, and records of conversations with the mortgage company representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I dispute this account and request full validation and verification pursuant to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite previous disputes, Capital One has failed to provide competent evidence proving this account belongs to me. A mere statement or internal record is not sufficient proof of liability. Please provide the following : Complete account application with signature Full payment history Original contract and terms Method used to verify the account Proof this account was legally and accurately reported Documentation proving ownership and authorization Until proper validation is provided, this account remains disputed. Reporting unverifiable information to consumer reporting agencies may constitute a violation of federal law. For identification purposes only, I am providing the requested personal verification information separately. However, providing identification does not constitute acknowledgment or acceptance of liability for this alleged account. I also request that all collection and reporting activity be suspended until a full investigation is completed and verified documentation is produced.

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: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital Systems sent a debt collection text message regarding my alleged XXXX XXXX credit card debt to my parents phone number. My parents are not co-signers, authorized users, or otherwise associated with the account. The text explicitly disclosed the existence of my debt and requested payment. I believe this was an unlawful third-party disclosure under the FDCPA. XXXX XXXX

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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Re : Method of Verification Request LVNV Funding Account # XXXX FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ) To Whom It May Concern, This letter is a formal Method of Verification ( MOV ) request regarding the LVNV Funding account listed below, which XXXX previously marked as verified despite my disputes : Collection Agency : LVNV Funding Account Number : XXXX Dispute History : This is my third dispute ; LVNV has never provided verification of this alleged debt. Under the Fair Credit Reporting Act, I am requesting that XXXX provide the complete method of verification used to verify this account. FCRA Requirements Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), I am entitled to receive : The name, address, and telephone number of the furnisher you contacted A detailed description of the procedure used to verify the information Copies of all documents provided by the furnisher that you relied upon A generic statement such as the account was verified does not satisfy the FCRA. Reason for Request LVNV Funding has failed to validate or verify this alleged debt after multiple disputes. If XXXX can not provide the required verification details, the account must be deleted immediately under : FCRA 611 ( a ) ( 5 ) ( A ) unverifiable information must be deleted FCRA 611 ( a ) ( 3 ) continued reporting of unverifiable information is prohibited Requested Action Please provide the full Method of Verification within 15 days of receiving this letter. If you can not provide the required information, please : Delete the LVNV Funding account from my XXXX credit report Send me an updated copy of my report reflecting the deletion Thank you for your prompt attention. I expect full compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I responded to a pre-approved credit card offer on XX/XX/year> from Continental Finance Company in association with The Bank of Missouri and was approved. I paid the processing fee of {$95.00} via transfer from my savings account and received reference # XXXX. I have not received a physical credit card and get email reminders every other day to call & activate my card yet I have no card. I have tried to contact CFCXXXX both by phone & through their website but need the last four digits of my card number to proceed through their IVR so speaking to a human for assistance is not possible.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Last year, on XXXX XX/XX/XXXX, PayPal permanently limited my XXXX XXXX XXXX profile without explanation. My profile was in good standing with PayPal for over 19 months before this happened. Few weeks later PayPal also removed/de-listed/unlinked my verified bank account which I had used to verify my PayPal and I have been using this same bank to withdraw funds regularly from PayPal for over 19 months without any issue. I called them on phone several times and wrote to them several times, but they refused my appeal to lift the permanent limitation and they also insisted on with-holding my PayPal balance of {$2400.00} for 180 days before I can be able to add new bank for withdrawal. So, I decided to wait patiently for the 180 days duration to elapse. Then 6 months later, the 180 days has elapsed on XXXX XX/XX/XXXX and till now XXXX XX/XX/XXXX XXXX has not yet allowed me to withdraw the PayPal balance of {$2400.00} and I have called them on phone several times with the same verified phone number on my PayPal profile, I have written to them several times and they continue to frustrate me and act like they do not have a solution to withdraw my funds to my linked bank account. THE SCAM HERE IS THAT PAYPAL HAS ADDED A WHOLE BUNCH OF SECURITY QUESTIONS THAT I NEVER ADDED BY MYSELF. THEY CONTINUE TO CLAIM THAT I MUST ANSWER ALL THE SECURITY QUESTIONS BEFORE THEY WILL ALLOW ME TO WITHDRAW MY FUNDS. I NEVER THOSE SECURITY QUESTION ON MY PAYPAL PROFILE BECAUSE THE SUPPORT STAFF ARE THE ONCE GENERATING THE QUESTIONS BY THEMSELVES AND ASKING ME TO PICK THE CORRECT ANSWER. I NEVER SET THOSE QUESTIONS, PAYPAL SUPPORT DID SET THEM BY THEMSELVES AND I CAN'T EVEN SEE IT, THEY ARE DICTATING IT TO ME OVER THE PHONE IS SO ABSURD. So that's why I decided to file this complaint, after begging and pleading with PayPal to allow me to link my bank account, I was able to link my bank account but now they won't allow me to withdraw the funds. The 180 days limitation has ended since XX/XX/XXXX and they have even sent me a confirmation email saying that " Your PayPal funds are eligible for withdrawal '' and yet they have blocked me and made it impossible for me to be able to withdraw the funds, and PayPal customer support keeps sending my request ticket to the PayPal back-office each time I call them on phone and till now, neither PayPal customer support nor PayPal back-office has been able to help me withdraw my funds to my verified and linked bank account. They keep telling me the same thing over and over again, to try it again, even though they know it will never work because my funds have been by PayPal. It has become very frustrating for me after so many communications to PayPal about the same issue and yet they have refused me to withdraw my funds.

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: DC

Complaint narrative:
According to the Capital One card agreement for my secured credit card, the company will periodically review my account to determine when I get my deposit of {$290.00} back without closing my account. It is my oldest account, so closing it will harm my credit score. I opened this account nearly seven years ago, and I have never missed a payment. Since then, Capital One raised my credit limit on this card from {$400.00} to {$700.00}. It has also issued me four unsecured cards, with a total of {$7000.00} in limits. Yet they still haven't returned my security deposit or offered to upgrade my unsecured card. I contacted Capitol One by phone on XX/XX/26 asking for a list of dates on which they reviewed my account and the reasons why they didn't offer my deposit return. The agent told me they would send this list. Instead, they sent basic account details. I called again on XX/XX/XXXX. This time the agent told me that they don't provide information to cardholders regarding when secured account reviews occurred and why deposits weren't returned following those reviews. I am left without proof that Capital One has ever actually reviewed my card or those of anyone else who has a deposit with them tied to a secured card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint against Wells Fargo for an inconsistent and poorly tracked investigation into a billing dispute with XXXX XXXX. On XX/XX/year>, I was XXXX for a XXXX XXXX. I had purchased a travel protection plan for my cruise specifically for this type of event. Despite providing XXXX documentation, the merchant refused to refund my payment unless I paid an additional, undisclosed {$100.00} fee to " activate '' my insurance. Administrative Inconsistency and Logical Contradiction : The banks handling of this dispute has been plagued by administrative errors and contradictory rulings : 1. Conflicting Claim Numbers : I was provided with two different claim numbers for this dispute : # XXXX ( on recent letters ) and # XXXX ( used in my direct communication with the dispute team ). This suggests evidence submitted under XXXX number XXXX not have been correctly applied to the other. 2. On XX/XX/year>, the bank finalized a {$90.00} refund for the insurance policy itself, confirming its validity. However, on XX/XX/year>, the bank denied the {$810.00} claim covered by that very same policy, citing that I " did not follow policy ''. It is a violation of fair banking practices to acknowledge the validity of an insurance contract by refunding the premium while simultaneously denying a valid claim under that same contract during a documented medical emergency. Furthermore, the banks use of multiple claim numbers for the same incident has hindered my ability to ensure all evidence was properly reviewed. Desired Resolution : I request that Wells Fargo immediately cancel the reversal of the {$810.00} credit scheduled for XX/XX/year>. I also request a consolidated review of all evidence submitted under both claim numbers # XXXX and # 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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am disputing this account because it resulted from identity theft/fraud. I did not authorize or open this account. Please block and remove this fraudulent account under the Fair Credit Reporting Act.

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: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP 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 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Unity Asset Management
State: GA

Complaint narrative:
I am filing this complaint regarding Unity Asset Managements debt collection practices. I have had multiple phone interactions with this company that I believe involve deceptive, intimidating, and potentially unlawful collection tactics. During one phone call, after I declined to provide personal information because I was uncertain who I was speaking with, a representative stated : Since you dont want to comply, were pushing this to judgment. During another call, I informed the representative that I was willing to make a payment on the XXXX. The representative responded by saying : Youre prolonging it and thats not going to work, in a threatening and intimidating tone. Representatives consistently speak in vague or coded language, refuse to clearly explain the status of the alleged debt, and make statements that appear designed to pressure me into immediate payment through fear of legal action. I explicitly told this company to stop calling me. I am requesting that this company : Cease all telephone communication with me. Provide written validation of the alleged debt. Stop making misleading statements regarding judgments, lawsuits, or legal action unless such action has actually been filed. Investigate the conduct of the representatives involved in these calls. I believe these communications may constitute deceptive, misleading, or harassing debt collection practices.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
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: SUNRISE CREDIT SERVICES, INC
State: AL

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

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: Problem caused by your funds being low — Late or other fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received a letter at the end of XXXX stating that I owed money to the state of Alabama for taxes from many years ago. I tried using their online system to pay but couldnt get logged in. I left it for another day. Then, they put a garnishment on my bank account with Regions Bank. According to Regions, they charge an excessive fee for garnishments in the amount of {$100.00}. It is unclear whether or not they charge this each time money is deducted for the garnishment since I did not initially have money in that account and as the wording on the garnishment letter from them ( dated XX/XX/XXXX ) states, In accordance with our deposit agreement, a single processing fee of {$100.00} will be deducted on the day that funds are remitted or released by the ordering authority. Either way, {$100.00} is an excessive fee and should not be allowed. I was charged this fee on XX/XX/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