vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 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: IN

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 2026-01-28 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: GA

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am submitting this complaint regarding USAA Federal Savings Banks handling of unauthorized debit card and deposit account transactions that were reported as fraud. 

In XX/XX/year>, I reported multiple unauthorized transactions on my USAA account. USAA investigated these transactions and issued written correspondence confirming that the fraud disputes were resolved in my favor and that permanent credits had been issued. These letters explicitly stated that no further action was required on my part. 

On or about XX/XX/year>, USAA issued a letter titled Permanent Credit Issued, confirming a credit totaling approximately {$2600.00} related to the disputed transactions. In XXXX XXXX, USAA issued additional Fraud Claim Resolution letters confirming that previously issued temporary credits, including transactions of {$2500.00}, {$1000.00}, and {$30.00}, were now permanent. 

Despite these written confirmations, USAA later reversed its position without providing a clear written explanation reconciling the prior permanent credit determinations. After the reversals, USAA issued overdraft notices and debt collection communications, demanding repayment of funds tied to the same transactions previously confirmed as fraud. 

In XX/XX/year>, USAA issued a decision stating there was no evidence of fraudulent activity for at least one transaction that had already been credited as permanent, citing a chip or tap-to-pay transaction as justification. This determination directly contradicts earlier written fraud resolutions and permanent credit confirmations. 

I repeatedly requested written clarification explaining why permanent credits were reversed, confirmation that the disputed balance was frozen, confirmation that no collections or credit reporting would occur, and copies of the evidence used to reclassify the transactions. USAA did not provide a clear reconciliation or the requested documentation. 

There is an active law-enforcement investigation related to these unauthorized transactions ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which further conflicts with USAAs later assertion that no fraud occurred. 

USAAs actions resulted in confusion, overdraft notices, and attempts to collect funds that were previously determined to be fraudulent. I am disputing liability for this balance and requesting regulatory review of USAAs inconsistent fraud determinations, debt collection attempts, and failure to provide adequate written explanation.

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 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Recently I did fall behind I was injured on my job and the XXXX XXXX  payments were held up during the furlough of federal employees. I did reach out and attempt to set up payment arrangements called back when the payments started coming through and they would not take partial payment they were requesting XXXX dollars at the time when I did get another lump payment from XXXX XXXX I did again attempt to pay the XXXX payment and the online options were restricted, when I called and tried to set up payments and future payments it would not allow me to do so. 
I did call and spoke to someone who then informed me it would be XXXX payments but explained that I did not have all of that at the time so she could not set the payment from bank account. 
I was then informed I could make the payment of XXXX through XXXX  XXXX and or XXXX. I then drove to XXXX  NJ to take money out of credit union account and lost 6 hours from work. I then tried several times to send the money through XXXX but XXXX and all of the other payment locations were closing up early due to pending storm, Saturday I did retry XXXX and sent XXXX checked yesterday to see if the money was posted I was informed they sent the money back that they were looking for the whole balance of XXXX and that can not happen by Friday. We did have words and I informed them they lie and that they love robbing consumers and do not do what they say they are going to do, the representative was upset with me and then told me my house was going up for foreclosure and that made me more upset. Still waiting to hear from higher level official. I have been with Ocwen since the first year XXXX  sold my mortgage, then they changed their name to XXXX XXXX, now PHH and now they have another name XXXX I believe. Ocwen, PHH, XXXX XXXX and now XXXX mortgage lenders are predatory lenders and are unreliable with options to keep mortgage I am almost done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I need a chance to pay more of it so please get back to me as soon as possible. I do want proof please.

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 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
This company started communication with a text message bill. Including my name, address, and account number for the billed owed to the hospital. Ive never given them permission to send a text. They should not be allowed to text that communication before getting permission and verifying the phone number. That information could have been sent to a third party, and then they would have my information. The continue to call daily, every single time I pick up no one is on the line. I call the number back and it cant be completed as dialed. If I dont answer they dont leave a voicemail. I call back at the number listed on their site and on the bill sent, I stay on hold for more than an hour. I go to the bill pay website to try and make payment arrangements, its unhelpful for setting up anything that isnt to pay the balance in full or monthly payments that are higher than I can afford. I feel like they are making it completely impossible for me to take care of this, and its going to either end up destroying my credit, or worse. This is completely unfair business practices. I work in debt collections and this is borderline abusive. I am the sole provider for a family of XXXX, and this is causing me immense stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A fraudulent check fro XXXX was cashed from my Chase checking account in XXXX. I was notified at the beginning of XXXX and assured I would be refunded the XXXX. The money didn't come. I called and they said they needed me to file a police report. I did that and they then said it was approved and would be processed out to me by XXXX at the latest. The money never came. I have called XXXX times in XXXX and each time they tell me I should have it any day, but it never comes. Last Friday, XX/XX/XXXX when I called I was told it had been processed out on the XXXX, and I should absolutely have the money in my account by Monday the XXXX, but as of today the XXXX it's still not there. I called today and still wasn't given an explanation for why I don't have this money back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My computer was hacked and I was told that XXXX XXXX had transferred {$100000.00} in my checking account which was on my screen. They requested I wire the money back to them which I did on a wire transfer. When at the bank the transaction had to be approved by a bank official which he did without any question to me. That was all of the monies I had in my account and he should have advised me it was coming out of my XXXX XXXX account and not my checking account.. Within an hour I requested the transfer be placed on hold and was advised it was. Since XXXX I have been told BOA was working to investigate the fraud and I was still under the impression that the monies were frozen - today found out they had been paid. They could have advised me in XXXX and I could have started this process sooner.

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 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Omega RMS, LLC
State: NC

Complaint narrative:
b'I sent a formal written dispute and settlement offer to Omega RMS via Certified Mail (Tracking # XXXX XXXX XXXX XXXX XXXX XXXX). USPS records confirm that Omega RMS received and signed for this letter on XXXX XXXX XXXXUnder Section 809(b) of the Fair Debt Collection Practices Act (FDCPA), a debt collector must cease all collection effortsincluding automated communicationsupon receipt of a written dispute until they provide verification.\nOmega RMS has failed to update their records or pause their system. Since signing for my dispute on XXXX XXXX, they have continued to harass me with collection emails on most days, which are being routed to my spam folder.\nDates of Violation: I have received continued collection attempts on multiple occasions since XXXX XXXX, including specifically on XXXX XXXX and XXXX XXXX have attached screenshots of the USPS delivery proof XXXX XXXX and screenshots of the recent emails to demonstrate this ongoing violation.\n'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MT

Complaint narrative:
I am supposed to be in a XXXX XXXX XXXX program, and I should be done, but they are dragging it out and not completing the process. I have XXXX months left, which should be done, the reference number on the case is XXXX. It is through XXXX XXXX and this shouldve been done in XXXX and they have still not done it and it needs to be done.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-28 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The company did not provide the requested information. They did not explain how or when I was notified of any rebuttal or response deadline, nor did they provide documentation of such notice. Instead, they issued a form denial letter stating the charges were valid and that no further correspondence would be accepted, without addressing my requests for notice clarification or reconsideration. 

On XX/XX/year>, the bank sent me a written notice stating that my dispute was under review, that documentation could influence the outcome, and that I should save all records related to the dispute. 

The very next day, XX/XX/year>, the bank issued a denial letter stating that the transactions were valid and that no further correspondence would be accepted. 

At no point was I provided with a rebuttal deadline, a request for documentation, or a reasonable opportunity to submit the medical evidence the bank itself referenced on XX/XX/XXXX. 

This sequence demonstrates that my dispute was closed without procedural fairness and without honoring the banks own stated process. I am requesting CFPB review of this inconsistency and reconsideration of my dispute with full consideration of medical evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: OK

Complaint narrative:
HUNTER WARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HUNTER WARFIELD 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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
Account Number To Whom It May Concern, I am writing in response to your communication dated XX/XX/year>, regarding the alleged debt referenced above. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide the following : 1. The amount of the alleged debt, including an itemization of any interest, fees, or other charges.

2. The name and address of the original creditor.

3. Documentation proving that I am legally obligated to pay this debt.

4. A copy of any judgment, if applicable.

5. Proof that your agency is licensed or authorized to collect debts in my state. 

Until this information is provided, please cease all collection activities and communication regarding this account. 

This request is not a refusal to pay, but a request for verification. Any attempt to report this debt to a credit reporting agency without proper validation may constitute a violation of federal law. 

Thank you for your cooperation. 

Sincerely,

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: OK

Complaint narrative:
ONLINE INFORMATION SER is falsely reporting on my credit. I have never had any accounts with them. Per my research ONLINE INFORMATION SER 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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has placed an indefinite hold on my Spark Business credit card due to a transaction that was flagged after the originating account at another bank ( XXXX XXXX  ) had insufficient funds. 

I am not the owner of the originating account. Capital One has confirmed that no fraud has been established on my account. 

Capital Ones fraud department has stated that my credit cards will remain restricted indefinitely unless they are able to speak directly with the owner of the originating account. However, Capital One has also stated that they can not provide me with any identifying or contact information for that individual due to privacy restrictions and that it is my responsibility to locate and arrange this contact.

This creates an impossible condition : I am being held responsible for another banks customer while being denied the information necessary to fulfill Capital Ones requirement.

I have requested escalation beyond the fraud supervisor level and was told no further escalation exists. I have also requested alternative verification or resolution options and was told none are available.

I am requesting regulatory review of Capital Ones practice of imposing indefinite credit restrictions based on third-party account activity without providing a reasonable, achievable resolution path. 


Respectfully XXXX XXXX XXXX XXXXXXXX XXXX XXXX Get XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Hello My name is XXXX XXXX XXXX I bought a vehicle at dealership called " XXXX XXXX XXXX XXXX XXXX  '' XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX finance the vehicle with " Credit Acceptance Corporation '' XXXX  XXXX XXXX XXXX, MI XXXX XXXX. XXXX XXXX XXXX, MI XXXX I put {$5000.00} as downpayment in cash and i sign the contract in XX/XX/XXXX and I received the vehicle in XX/XX/XXXX because it was ship from Arizona to Washington by XXXX so I waited XXXX months for my vehicle and I had to make XXXX payments without a vehicle I have proof of payments and a copy from XXXX that the vehicle is Salvage and that is a '' FRAUD SALE " I want my money back and for them to remove the balance to XXXX and form collection and my record or I will start a lawsuit please help me with this problem I am financially broke Account with them is XXXX XXXX XXXX XXXX XXXX XXXX Thank you and have a good Day..

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: ID

Complaint narrative:
On XX/XX/year>, I was the victim of a phishing scam involving my Uber Pro Card issued by XXXX XXXX. A person impersonating XXXX support contacted me and tricked me into providing a verification code and account access information. Believing I was communicating with a legitimate XXXX representative, I did not realize that this would allow them to transfer money out of my account. 

As a result, {$500.00} was transferred without my authorization. I immediately reported the transaction to XXXX and filed a dispute. XXXX denied my claim, stating that my credentials or PIN were used and that I was responsible for the transaction. They did not provide documentation or proof that I authorized the transfer, nor did they show I benefited from it. 

I am requesting reimbursement of the {$500.00} and a proper investigation under the Electronic Fund Transfer Act ( Regulation E ). The denial and lack of documentation show a failure to comply with federal consumer protection requirements for unauthorized electronic transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/year> at XXXX PST, I received a text from ( XXXX ) XXXX claiming to be a Wells Fargo alert. The alert asked if I was authorizing a payment to XXXX  for {$730.00} and to reply Y for YES or N for NO. I replied N, and was immediately called by the same number. The person on the phone was a woman, claiming to be XXXX XXXX with the Wells Fargo fraud department. She asked me to confirm my phone number and email, then asked me to confirm the amount in my accounts. She must have already had access to the amount in my accounts as when I read off the balance of my checking and savings, she stated that my savings account was reported as a higher number and she would need to investigate what was lost. She stated my checking account was compromised and I would need to transfer my money to a 3rd party for safe keeping, then be transferred into my new bank account via a card attached to the account. I transferred my savings into my checking as directed by XXXX XXXX, then transferred the funds into cashapp where XXXX XXXX gave me a card number that was attached to my new bank account. The card number ended in XXXX and had a zip code of XXXX. I was told to do an instant transfer and that the fee would be waived. The total amount transferred was exactly $ XXXX and was made at XXXX PST on XX/XX/year>. XXXX XXXX stated she would call me back in 2 hours to finish the account transfer process as I was in the middle of a XXXX XXXX XXXX. When I called the ( XXXX ) number back, someone else picked up and was confused. I knew I had been scammed and filed a claim with Wells Fargo and XXXX, as well as filing a report with local police and the FTC. Wells Fargo followed up with me on monday, XX/XX/year> to state my claim was denied as fraud. 
I am requesting CFPB intervention because : -This was an imposter scam, and the transaction was authorized only under deception, which is not valid informed authorization.

-Wells Fargo did not provide adequate fraud warnings during the transaction.

Wells Fargo denied the claim without considering evidence of impersonation, including call logs, screenshots, and the detailed timeline.

-The banks denial contradicts industry guidance showing that victims acting under deception are frequently misclassified as having made voluntary transfers.

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