vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
I am filing this complaint against Select Portfolio Servicing ( SPS ) for violating CFPB Regulation X ( 12 CFR 1024.41 ) by failing to perform a meaningful manual review of our account for " Imminent Default. '' Despite our mortgage being current, we are facing a catastrophic medical crisis that makes a default " reasonably foreseeable ''. 

Documented Hardship Evidence : Escalating Medical Debt : We have documented debt totaling {$610000.00}, including a {$570000.00} bill from XXXX XXXX XXXX of XXXX ( Account XXXX ) and a recent {$32000.00} invoice from XXXX XXXX. 

Mandatory Monthly Costs : XXXX lost his job in XXXX XXXX and therefore the only income we have coming in is unemployment. As part of this job loss we also lost benefits other than our expensive COBRA plan. We must pay $ XXXX in COBRA premiums to maintain XXXX  care for our son, who is fighting XXXX XXXXXXXX XXXX XXXX XXXX 

Caregiver Burden : Our sons XXXX treatment protocol requires XXXX visits per week to Primary XXXX XXXX ( XXXX and XXXX campuses XXXX, in-home nurse visits to administer XXXX, and unexpected visits for illness, XXXX XXXX  etc. This is a full time job giving needed care and makes traditional employment impossible for the primary caregiver. 

Failure of Servicer : SPS has issued multiple boilerplate denials ( latest response dated XX/XX/year> ) that only evaluate us for a permanent loan modification. They have repeatedly ignored our request for a Temporary Medical Forbearance ( XXXX months ) and have failed to consider the " imminent default '' standard for current borrowers facing catastrophic hardship. We request an immediate manual review by the SPS XXXX XXXX XXXX or an Investor Exception to prevent foreclosure while our son receives life-saving care.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Dear XXXX, Thank you for your message regarding my complaint filed with the Consumer Financial Protection Bureau. 

In response to your request, I am providing my credit report in connection with CFPB Case Number XXXX. As stated in my complaint and prior communications, I want to reiterate that I do not own or recognize the Wells Fargo account being reported. I did not open, authorize, apply for, or benefit from this account in any way. 

This account is the result of identity theft. Upon discovering the unauthorized tradeline, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and submitted identity theft documentation disputing ownership of the account. I have no contractual or legal obligation related to this alleged debt. 

The purpose of providing my credit report is to demonstrate that the disputed Wells Fargo tradeline is inaccurately associated with my consumer file. I am requesting that Wells Fargo review the attached information in conjunction with my FTC Identity Theft Report and take appropriate corrective action, including removal and deletion of the tradeline from my credit reports. 

Please confirm receipt of the documents and advise on the next steps toward resolving this matter as identity theft. 

Thank you for your time and attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal 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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have never opened these two accounts at all. And find it very unfair I have been trying to resolve this forever! I found very unfair that I am not able to open a simple bank account because of identity theft! Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking XXXX in damages for the following : ) Defamation ) Negligent Enablement of Identity Fraud ) Violation of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have {$200.00} in American Express gift cards that I received as a gift. American Express shows the balances are available to use ; however, the cards are always declined as they are not considered a valid debit or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX  XXXX XXXX XXXX XXXX for failure to conduct a reasonable investigation of an inaccurate collection account appearing on my XXXX  credit report, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

On [ date ( s ) of dispute ], I disputed a collection account reported by XXXX with the following details : Original Creditor : One Main Financial Collection Agency : N/A [ I have no knowledge of the entity ] Account Number ( partial ) : [ XXXX ] Reason for Dispute : Reporting without permissible purpose, the collector never had a creditor relationship with me Despite my dispute, XXXX verified the collection account without correcting or deleting the inaccurate information. XXXX  did not provide a description of the procedures used to determine the accuracy of the information, nor did it demonstrate that a reasonable reinvestigation occurred. 

XXXX actions appear to be limited to relying solely on automated confirmation from the data furnisher, which does not satisfy the FCRAs requirement for a reasonable investigation. No evidence has been provided showing that XXXX reviewed original account-level documentation, contractual liability, or proof of the alleged debt. 

Under the FCRA, XXXX  is required to : Conduct a reasonable reinvestigation of disputed information Review all relevant information provided by the consumer Delete or correct information that can not be verified Because XXXX failed to meet these obligations, I am requesting that the Consumer Financial Protection Bureau require XXXX to : 1. Conduct a lawful and reasonable reinvestigation of this collection account 2. Delete the collection account if it can not be fully verified with competent evidence 3. Provide written confirmation of the investigation results and any corrections made This inaccurate collection reporting has caused financial harm and continues to negatively affect my credit profile. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX we send a loan modification. On XX/XX/XXXX missing documents were sent per letter from PHH. On XX/XX/XXXX PHH denied the modification stating said they never got the documents sent on XX/XX/XXXX. We have proof of emails sent to them with these documents. We asked to speak to a supervisor who was not available and we were told to leave our number and they would call back within 24 hours so the case can be escalated. No one called. We than resent the entire file and the modification was again denied on XX/XX/XXXX because the sale date is within 37 days. We asked again to speak to a supervisor who was not available and we were told again to leave our number and they would call back within 24 hours so the case can be escalated. No one called yet again. It seems PHH is doing fraudulent activity on my account and playing games with everything I try to do in order to continue the foreclosure, knowing that there is equity in the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: LendingUSA
State: VA

Complaint narrative:
XXXX XXXX XXXX was drawing from my account for 6 months then said congratulations you have graduated to our secure loan with Lending USA... we will negotiate your credit account down to a more responsible amount then... Lending USA will loan you the money for that amount. I didn't like the way things were going so I contacted XXXX myself and they reduced the amount for me and I went to my bank they gave me a loan the account is paid ... XXXX XXXX XXXX Will not respond my dept is clear I dont need the loan and still trying to take from personal acc.I don't need Lending USA s loan And XXXX XXXX XXXX ows me a refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/XXXX I was prompted to click on an " offer '' on their app and it took me to a place to enter my income and then automatically submitted me for a " credit increase '' which I did not look for and it was also advertised to me as a " promo ''. this was denied because I was recently given a credit increase. 

On XX/XX/XXXX, I received an email from Chase advertising for me to upgrade my current chase XXXX XXXX XXXX to the XXXX XXXX XXXX, without a credit check. However utilizing the website and app it prompted me to submit for a new card and disclosed it was running a credit check although the ad said it would be an upgrade not a new application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Consumer Real Estate Finance Co.
State: VA

Complaint narrative:
A purchase contract was signed on XX/XX/XXXX with an anticipated closing date of XX/XX/XXXX. It was denied on XX/XX/XXXX. I am the listing agent. The lender refused all communication with me from the beginning. 

Per the buyer 's agent on XX/XX/XXXX : " My client and I were told multiple times this would be clear to close and give multiple dates we could expect to close by. We believe there was major stalling and negligence on the lenders part. I will be on the lookout for the termination. '' Per the buyer 's agent on XX/XX/XXXX : " I spoke with my client today and he had spoken to her this morning. Everything should be submitted to USDA by the end of the week. I will double check with her to see where we are, I know with this loan there has been a lot of waiting with the government being shut down since it is a USDA loan. I will also see who the processor is on this one and see if they will reach out. '' The XXXX government shutdown ended on XX/XX/XXXX and they still had not submitted the loan to USDA a month later. 

Prior to ordering the {$1200.00} septic on about XX/XX/XXXX I asked several times if there were any issues so I could delay if needed. My client has had to pay 3 mortgage payments along with the well, septic, and termite.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This communication was sent on XX/XX/XXXX : To : Fifth Third Bank From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX  To : XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX Re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX Amount : {$18000.00} Date : XX/XX/XXXX To whom it may concern, Please help us recover this wire that has been on hold for going on 5 months now without any communication or signs of any resolution! 



We have done everything requested and I have been calling the bank for help every day. 



XXXX XXXX the XXXX XXXX at the XXXX branch where I opened my account has been trying to help me but she says that there is no one to speak to @ this department. She has even asked me to send this communication. 



This issue is creating a financial burden on me and my company, as I am unable to pay my rent at my business due to the money being unjustly held at your bank. We don't want any legal action hence the Hold harmless letter. We just want this issue resolved! If you are going to keep the money held then I will have no other choice but to seek my legal options... 



Please let me know if you need anything else from us and let me know the direction the bank wants to take this matter! 



My best, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
I got a bill in the mail from Cedars business services saying I owe {$630.00} from a traffic violation I had from a traffic camera in XXXX XXXX years ago. They are saying infraction was caught on a traffic camera and saying I was going XXXX over the speed limit. The call sounded like a scam because he wanted me to give him my email address. The guy sounded XXXX and it sounded like a scam call to get me to pay a ticket I have no proof of showing the original ticket from XXXX. I also am suspicious because the rental car companies usually deduct any tickets you get with the card you put on file with them. So I kept asking the guy from XXXX to send me the original ticket to the email address they have on file and he kept asking me to tell him my email. I told him, he should already have the email I have on file. Then I just hung up on him because it sounded like a scam and they used open source software to look up emails they are on the dark web.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Skopos Financial, LLC
State: AZ

Complaint narrative:
I am submitting a complaint regarding a lender or loan servicer associated with my credit account. 

I am only XXXX month late on my account and had already contacted the company in writing. Despite this, representatives were sent to my residence on multiple occasions to leave notices. 

I do not feel safe with in-person visits, did not consent to them, and requested written communication only. The continued physical visits feel intimidating and inappropriate given the status of the account. 

The repeated in-person visits to my residence caused me to feel unsafe and threatened! 

I am requesting that the company cease all in-person contact immediately and communicate in writing only, and that my account be handled in accordance with fair debt collection practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Global Tel*Link Corporation
State: FL

Complaint narrative:
My boyfriend is in XXXX  so I use Global Tel Link ( gtl ) and XXXX  to add money on the phone so that I can talk to him I've been waiting on my refund to be mailed to me money that was associated to my old phone number XXXX and it's been almost a whole year the request was submitted back in XXXX of XXXX I was advised that I should receive it in XXXX weeks XXXX of XXXX I have yet to receive it as of XX/XX/XXXX it's for {$140.00} dollars and I've called multiple times had multiple tickets sent to financial department through agents and supervisors and still haven't received any updates i keep being told they can't give me a timeline of when. That financial department will respond I need to know when I will be getting my refund AT THIS POINT MY REFUND NEEDS TO BE EXPEDITED AND IF I DONT RECIEVE MY REFUND BY XXXX OF XXXX I will have to take further legal action

Company response to consumer: Closed with explanation