vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable 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 two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received two different offers from Bank of America for XXXX XXXX XXXX. XXXX offer was spend {$55.00} at XXXX XXXX XXXX and get {$50.00} credit. No activation required. XXXX offer was spend {$55.00} at XXXXXXXX XXXX XXXX and get {$50.00} credit. Activation required. XXXX XXXX XXXX XXXX Payment {$55.00} XXXX XXXX XXXX XXXX Payment {$55.00} XXXX At & T Payment {$55.00} Screenshots of both offers. I contacted Bank of America twice and they stated they are not able to look into why offer did not credit to my account. They were not able to confirm if my payment met the rewards.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
This debt collector has done unjustifiable 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 two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have had several companies send collection letters to my ex-spouses address and some to my current address ( Midland Credit Management, Portfolio Recovery, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX ) that I do not owe. I had my wallet stolen during covid with my bank cards, XXXX card, and driver 's license inside. I also had the same thing happen in lates XXXX with the same item and my XXXX card. I also just recently retired and have received my first Social Security check ( Yesterday ) I have a telephone pretrial with Midland Credit Management today. What steps can I take regarding these false claims with only Social Security income. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I'm a capital one customer and i have my very old credit card which is open XXXX and suddenly they close it without prior notice .. they said XXXX of my credit card is having an issue which has a returned payment .. then suddenly they close all of my account without giving me the benifit of the doubt .. and my question is why they close all my account? its only XXXX card has the returned payment!! And its unfair they includ my other oldest credit card .. This is not a reasonable for me because they included my very old account that i open way back XXXX .. and its not in the contract that i have in my old card..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: VA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Company : XXXX ( PayPal XXXX XXXX XXXX ) I am filing a complaint regarding a XXXX Business account that has been under a compliance/XXXX review for over XXXX days with no resolution and no clear explanation. My account contains approximately {$290.00} in funds that I am unable to access or withdraw. I have contacted XXXX support multiple times via phone and chat and have been repeatedly told the issue would be resolved within a few days, but the account remains restricted. In addition, I received an official XXXX email addressing me by a name ( XXXX ) that is not my legal name and is not associated with my account. XXXX support has stated that my legal name on the account is correct, but I am requesting confirmation and correction of all identity records associated with my profile. I am requesting the following : * Immediate resolution of the ongoing compliance/XXXX review XXXX a clear written reason for the continued hold * Release of my available funds or a timeline for when they will be accessible * Written confirmation of the legal name on the account * Disclosure of whether any previously linked profiles, emails, phone numbers, or identities are associated with this account * The specific compliance reason category for the XXXX account review This issue has caused prolonged inability to access personal business funds, and I am requesting formal regulatory review and assistance in resolving the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
This debt collector has done unjustifiable 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. They didn't follow the proper XXXX validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC
State: TX

Complaint narrative:
Lady called ( XXXX ) asking about matters concerning a bill, as I was speaking to her and English she kept telling me that she couldnt understand me and she couldnt understand what I was saying and I told her Im speaking playing English. Is there any other kind of language would you like me to speak if you can not understand the English language? thats when she proceeded to tell me she cant understand what Im saying but what Im saying is not making any sense. Im just going in circles. which I replied, Im not going in circles. I just told you what I wanted to do. I want to resubmit a dispute which she told me that the information that I was trying to provide would not help me at all so why would I be trying to re-dispute and like I told her just let me go ahead and read disputed so that I can get the matter done then she proceeded once again. I cant understand you. I cant understand what youre saying. Therefore, the reason for this complaint is she was being very disrespectful as I was talking to her and playing English I guess because of my accent she kept telling me that she couldnt understand English and when I say accident, I mean my XXXX accent and which she proceeded to get very loud over the phone and very rude cutting me off talking over me out talking to me not letting me get a word out. She would ask me a question and then when I will proceed to answer she would talk over me and cut me off. Like trying to make it seem like we were arguing.

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 2026-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
I lost my home to a fire. Ive been fighting for XXXX months to get money released from Carrington mortgage to rebuild. Its been awful, my file owner never calls me back. I was finally given a draw schedule verbally on XX/XX/XXXX. They released the first check today ( XX/XX/year> ) and it did not follow the draw schedule. I was told 50 % then 45 % then remaining. I was sent 33 % and they are refusing to give me a formal letter stating the draw schedule for XXXX XXXX XXXX. Claytons wont be able to close on my new home without a draw schedule in writhing, and carrington mortgage refuses to give a draw schedule in writting and can not tell me why the first dispersment did not follow the draw. I have been without a home for 8 months now, and still no end in sight because I can not close on my new home until carrington mortgage gives me a formal draw schedule. Its not the same process as a stick built home, since its a mobile home. I called today and the first two agents just wanted to argue about their draw schedule. The 3rd agent actually looked into my file and saw exactly what I was talking about, that 50 percent was suppose to be released and it wasnt. But couldnt tell me why. Requested a call back but I typically dont get the call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Premier Auto Credit
State: CA

Complaint narrative:
I am filing a complaint regarding my auto loan account due to improper and potentially unauthorized charges related to a Loss Damage Waiver ( LDW ). My lender has charged me approximately {$4800.00} in fees labeled as insurance or similar terms. However, the agreement I signed clearly states that the Loss Damage Waiver is not an insurance policy. Issues The section of my contract labeled LDW Monthly Payment Amount appears blank or is not clearly filled in, yet my account shows recurring charges of approximately {$80.00} per month. I do not recall agreeing to this amount, and it does not appear to be clearly disclosed. I was not properly informed when these charges began being applied to my account. The lender has labeled these charges as insurance but has been unable to provide documentation of an actual insurance policy, including a policy number, carrier, or coverage details. The agreement states that LDW charges apply only if I failed to provide proof of valid insurance, yet I have not been provided documentation showing that I lacked coverage during the months these charges were applied. My payments have been applied in a way that left a remaining balance of approximately {$0.00} on the original loan, while allocating the rest toward disputed LDW or insurance fees. This has caused my loan to appear unpaid despite effectively paying off the principal. Despite formally disputing these charges, repossession activity has been initiated based largely or entirely on these disputed fees. Evidence Contract language stating LDW is not insurance Contract section showing missing or unclear LDW monthly payment amount Account history reflecting recurring LDW or insurance charges Lack of documentation for any insurance policy Payment records showing allocation toward disputed fees rather than principal Impact These actions have resulted in significant financial burden, confusion regarding my loan status, and the threat of repossession despite my efforts to pay off the loan. The misapplication of payments and unclear disclosure of fees have caused my account to appear delinquent when it should not be.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: PA

Complaint narrative:
I am a victim of identity theft caused by exposure in multiple data breaches, including XXXX XXXX XXXX and other existing breaches. Fraudulent accounts and inaccurate reporting accounts were wrongfully placed on my credit file. These items are not mine and must be deleted. Under FCRA 604 15 USC 1681b inquiries require permissible purpose. FCRA 605B 15 USC 1681c-2 requires blocking identity theft data within 4 business days. FCRA 611 15 USC 1681i requires blocking disputed identity theft data. FCRA 623a6 15 USC 1681s-2 prohibits furnishers from reporting identity theft accounts. FCRA 605a 15 USC 1681c bars reporting bankruptcies older than XXXX years. I demand immediate blocking and permanent deletion of all fraudulent accounts and inquiries and cessation of reporting to third parties. Failure to comply violates FCRA 616-617 15 USC 1681n 1681o. Account name XXXX XXXX XXXX Account number XXXX XXXXXXXX Account type Credit card Responsibility Individual Date opened XX/XX/year> Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX in XX/XX/year>. I took the XXXX XXXX XXXX to my home in XXXXXXXX XXXX and both didn't work ( XXXX XXXX ). I returned both to the same XXXX store on XX/XX/year> - the XXXX has recently confirmed this by email that in fact I returned it. XXXX stated the service still ran for XXXX months after I returned all the equipment and put me in collections with a XXXX party collection company. They also said they can not reverse the delinquency since the debt was sold and that if I need it to be, that I have to engage a lawyer with their legal department. I had the cellphone and wifi router for XXXX days and returned them both, I received a refund back on the card I used to purchase. The XXXX then, on XX/XX/year> confirmed the services are cancelled- I do not owe them anything but they are now costing me a higher mortgage rate on a home I am buying since they won't remove this from my credit which has decreased my score significantly ( only derogatory remark on my credit, I have 100 % on time payments on everything ). XXXX assured me that this was rectified many times before it went to collections, when in fact it was not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I reported to Paypal that I was not involved in any authentication or authorization for this amout to any party from my account. So far, Paypal has closed my dispute 2 times for reasons I can not understand and dont make sense. Furthermore, I have spent hours on the phone with the customer support teams going around in circles. Im sure you can get those details via your internal systems and ticket history. Here are the facts : - I did not make any donation to XXXX XXXX XXXX XXXX- I did not authorize Paypal to send money to XXXX XXXX XXXX XXXX- I have acted in good faith to resolve this with Paypal - Paypal is not executing proper due diligence or controls of my funds entrusted to them - Paypal cant provide any explanation to me about how this happened or how to prevent it in the future Here are the highlights : - XX/XX/XXXX ~ XXXX XXXX XXXX - Received notification from paypal via email that a transaction had occurred - XX/XX/XXXX - ~ XXXX XXXX XXXX - I contact Paypal and inform customer service that unauthorized transaction has occurred - XX/XX/XXXX - Receive email response of open ticket - XX/XX/XXXX - Receive response that ticket has been closed due to " matching my usual activity patterns '' - XX/XX/XXXX - XXXX contact customer support, and was informed that the ticket was opened incorrectly, and the case was going to be re-opened - XX/XX/XXXX - Having heard nothing, I recontacted Paypal customer Service and spoke to XXXX, a supervisor in the Fraud dept. She informed me that she had properly reopened the case - XX/XX/XXXX - Contacted the XXXX XXXX XXXX XXXX, who paypal indicates was the recipient of the payment. The XXXX for the church confirmed that they did not receive any of these funds or payments from Paypal - XX/XX/XXXX - received email from Paypal, informing me that my case had been changed to " Did not receive goods ''. I never indicated that I purchased goods. As a matter of fact, I maintain the fact that I had nothing to do with transaction or authorization for this transaction. - XX/XX/XXXX - contacted paypal customer support and spoke to XXXX XXXX, who transfered me to XXXX in the payments/ disputes dept. Madam escalated this internally, and read me an email he composed asking the case be re-opened and handled propoerly - XX/XX/XXXX -XXXX transferred me to the " unauthorization '' department. BTW, XXXX was great.... the first person who communicated with me very well about this matter in your customer service process - XX/XX/XXXX - XXXX to be transferred again - XX/XX/XXXX - Sent escalation email to their XXXX escalation process via XXXX, XXXX please let me know any action planned on this due to my complaint? XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
I am filing this complaint because [ Central Portfolio Control ] is reporting an inaccurate, predatory, and damaging collection account on my credit report and is engaging in illegal, abusive collection practices. This account stems from my enrollment at [ XXXXXXXX XXXX XXXX XXXX XXXX ]. This program was marketed using deceptive trade practices and explicit, false promises of a job guarantee. I fulfilled my obligations as a student, but the school completely failed to deliver on its job placement commitments. Immediately after my cohort graduated, the company completely disbanded the program, revealing it to be a short-term scam designed solely to secure financing from students before abandoning them without career infrastructure or valid credentials. The fundamental issue is that this debt was predatory and fraudulent from its inception. I am invoking the XXXX XX/XX/year> stipulated final judgment against XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ). The CFPB established that XXXX XXXX illegally lured students into loans by misrepresenting program quality, job placement success stories, and graduate hiring rates. My situation is a direct example of the exact misconduct the CFPB penalized. Furthermore, the collection agency is actively violating the Fair Debt Collection Practices Act ( FDCPA ). They are calling me nonstop in an abusive, harassing manner. They have repeatedly threatened to take me to court to intimidate me, yet they refuse to cooperate, validate the true underlying terms, or consider any reasonable settlement options to resolve the dispute. They are weaponizing intimidation tactics to force payment on a fraudulent balance. Because the underlying debt relies on fraudulent originations, unfair and deceptive practices ( XXXX ), and ongoing FDCPA violations, the balance is invalid. I request that the collection agency immediately cease all telephone contact and collection efforts, cancel the alleged balance, and completely remove the derogatory tradeline from my XXXX XXXX XXXX XXXX credit reports.

Company response to consumer: Closed with explanation