vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding a credit card debt that has been reported and/or pursued by the company without proper validation. On [ XX/XX/year> ], I mailed a certified letter to the company requesting validation of the alleged debt and formally disputing the account. The letter clearly requested documentation supporting the validity of the debt, including proof that I am legally obligated to pay and the accuracy of the amount claimed. Despite receiving my request, the company has failed to respond within a reasonable period of time and has not provided any validation or documentation as requested. During this time, the company has continued to report the account to credit bureaus / attempt to collect the debt even though the debt remains disputed and unverified. Actions taken by me : Sent a certified letter requesting debt validation and disputing the account on [ XX/XX/year> ] Retained proof of mailing and delivery Actions taken by the company : Failed to respond to my validation request Continued collection and/or reporting activity without validating the debt I believe this behavior is unfair and violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws, which require that a debt collector provide verification of a debt upon request and cease collection efforts until validation is provided. What I want : I am requesting that the company : Provide proper written validation of the debt, including supporting documentation Cease all collection activity until validation is provided Correct or remove any inaccurate information reported to credit bureaus if the debt can not be validated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: AZ

Complaint narrative:
Mariner finance, I took out a loan in XXXX with my then husband. We were making on time payments until XX/XX/XXXX, when we decided to get XXXX. Our attorneys told us that my ex husband would be taking this debit. Well my now ex husband stopped making payments because he no longer could afford the payments, and thought that after 6 months of non payment that the account would become delinquent and be closed and sent to collections. Well that was completely wrong, when I went to go pull my credit a few weeks ago and see that there is a balance on there for this loan thats now XXXX more than the original loan. I called them and asked whats going on with it and the told me, Its with our legal department. Yet to this day I still have not heard from this legal department. This account continues to collect daily interest and penalties, even with it being over 3 years LATE. It shows online as an active loan, which is not an active loan. That is a delinquent loan that any other company would have closed after 6 months and sent to collections. Yet I have not received ONE single letter from this company or call. They said they called my husband and spoke to him ONCE last year in XXXX, after 2 years of non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint regarding an unauthorized transaction of approximately {$3500.00} that was charged to my bank account on or around XXXX through a payment transfer service XXXX XXXX XXXX XXXX On XXXX, my household experienced a fraud incident involving unauthorized remote access to a device. During this compromise period, the {$3500.00} transaction occurred without my knowledge, intent, or authorization. The incident was reported to the bank on the same day ( XXXX ) while the activity was still occurring. A police report was filed on XXXX. The bank initially issued a provisional credit for the disputed funds but later reversed the credit and permanently removed the funds from my account without providing a clear or complete explanation or full supporting documentation for this decision. The bank provided written documentation outlining its investigation and rationale, including references to XXXX small transactions and associated timestamps. These transactions occurred during the same fraud incident involving unauthorized device access and are not evidence of informed authorization of the {$3500.00} transfer. I requested all records, evidence, and documentation used in the banks investigation and decision ; however, this information was not fully provided. Additionally, I was advised by a bank representative that I may need to go to the police, despite already having filed a police report. I was also informed that the employee previously handling my case may no longer be with the bank, raising concerns about continuity and completeness of the investigation.

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 2026-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX on XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX put {$2200.00} on my credit as a collections for damages to the apartment. Ive reached out to a lawyer to send a letter about removing this from my credit as its false claims. The apartment wasn't damaged in any way by me. I have photos of how the apartment was left. I reached out to management 3 months prior to me ending my lease. When I went it he front office with my final payment, I showed them the photos and asked if there was anything else needed from me and I was told no. I didnt get a final walk through and I never received my {$400.00} deposit back. I also have photos of black mold and I requested multiple times to have it fixed and nothing was ever done. I put in a work order for the water from the bathroom leaking into the second bedroom, all they did was bring the humidifier to remove the moisture, the baseboards and the walls themselves were warped. I place a work order for the ac the manager came to my apartment and started yelling at me because Ive input a work order, I have a video for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: 1st Franklin Financial Corporation
State: TN

Complaint narrative:
This collection was paid. I disputed it and XXXX returned a letter basically lying as if they verified the debit was still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
ormal Complaint / Summary of Incident ( Updated ) Subject : Unauthorized Account Takeover and Failure of Financial Institution to Recover Fraudulent Funds. Incident Description : On XX/XX/year>, my bank account was compromised through an unauthorized account takeover. A fraudulent wire transfer in the amount of {$25000.00} USD was executed without my consent or authorization. I immediately notified my financial institution to report the fraud and initiate a recall of the funds. Financial Details : Transaction Amount : {$25000.00} XXXX XXXX Name : XXXX [ Last Name ] Destination Account : XXXX ( XXXX / XXXX XXXX ) XXXX Reference : XXXX XXXX Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I had several XXXX orders come off my card my phone was stolen and the information on it was hacked it was pinged in XXXX XXXX XXXX also where the transactions were made I live in XXXX XXXX they are refusing so give me my account number or giving me access to my card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sunlight Financial LLC
State: TX

Complaint narrative:
Supplement After additional review of your response and the recorded UCC filing, I am compelled to formally reiterate and escalate my dispute. In your response, you state : The financed System is expressly defined and treated as personal property under the Loan Agreement. The Lenders security interest is limited solely to the System, as clearly reflected in the UCC-1 Financing Statement. No lien, mortgage, deed of trust, or other encumbrance has been placed on the residence, and a UCC-1 filing against personal property does not, and can not, create a security interest in real property. image.png However, this statement is directly contradicted by your actions. The UCC-1 Financing Statement was filed in XXXX XXXX XXXX XXXX records, rather than with the Texas Secretary of State. Filing in the county land records is characteristic of a fixture filing, which is used in connection with property attached to real estate and creates a cloud on title. XXXX This filing method is inconsistent with your assertion that no encumbrance has been placed on the residence. A filing recorded in real property records is commonly relied upon by title companies and lenders and has the practical effect of impacting the property. Additionally, the Loan Agreement includes language permitting a fixture filing, which further supports that the transaction contemplated a potential interest in real property. Despite this, no spousal consent was obtained, raising serious concerns under Texas homestead protections. ( page 6 of 19 ). image.png At minimum, this represents a material misrepresentation or failure to clearly disclose the nature and scope of the security interest. At worst, it constitutes an improper encumbrance affecting homestead property.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Unauthorized Transaction date is XX/XX/XXXX Amount : {$3000.00}. I noticed it on XX/XX/XXXX and I reported it to Wells Fargo on XX/XX/XXXX and Wells Fargo denied it on XX/XX/XXXX. This was unauthorized. I did not approve this transaction. My card information is compromised and was used on a third party app, called XXXX XXXX to transfer funds from my card. I reported the unauthorized transaction within 1 day. Under federal law, I should not be liable. Wells Fargo denied my claim without providing evidence I authorized the transaction.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally dispute and seek immediate resolution regarding the closure of my Bank of America account and the withholding of my funds. My account was closed without prior notice. At the time of closure, my account held an available balance of {$240.00}. Additionally, a check in the amount of {$68000.00} was in the process of clearing. I was explicitly informed that once the check cleared, my account would be closed and the remaining funds would be disbursed to me. As of XX/XX/XXXX, the full amount of the check has cleared and the funds are available. However, my account remains open, and no disbursement has been issued. This delay is unacceptable and raises serious concerns regarding Bank of America XXXX handling of customer funds. Under applicable banking regulations and consumer protection laws, financial institutions are required to provide timely access to deposited funds and to return any remaining balances promptly upon account closure. The continued withholding of my funds may constitute a violation of federal regulations, including but not limited to the Expedited Funds Availability Act ( Regulation XXXX ), as well as potential breaches of fiduciary duty and unfair banking practices. I request the following actions be taken immediately : Confirmation of my account closure status. Immediate release and disbursement of the full balance owed to me, including the cleared check amount and prior available balance. A written explanation detailing the reason for the delay and closure without notice. Please treat this matter with urgency. I expect a response within XXXX business days of receipt of this letter.

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 2026-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
" I am filing this formal complaint for Willful Non-Compliance with the FCRA ( 15 U.S.C. 1681n ) and violations of 15 U.S.C. 1681b. TransUnion has permitted XXXX unauthorized hard inquiries to be placed on my credit file between XXXX and XXXX. I have no acknowledgement of these applications, did not provide written or verbal authorization, and have no 'permissible purpose ' relationship with these entities. The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681b, a consumer report may only be furnished for a specific 'permissible purpose. ' These unauthorized 'hard pulls ' have negatively impacted my credit score and caused significant financial and mental distress. TransUnion has failed its duty to maintain reasonable procedures to prevent unauthorized access to my private financial data. ''

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 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHECKredi of Kentucky, LLC
State: PA

Complaint narrative:
I am filing this complaint against CHECKredi of Kentucky XXXX for willful violations of the FDCPA and the Electronic Fund Transfer Act ( Reg E ). XXXX. Unauthorized Draft & Revocation : On XX/XX/year>, I spoke with a CHECKredi representative and explicitly revoked my authorization for any ACH drafts. I informed the representative that I was disputing the {$50.00} fee. The representative told me 'too bad ' and stated they would withdraw the money automatically regardless of my refusal. On XX/XX/year>, CHECKredi ignored my verbal revocation and processed an unauthorized {$50.00} draft. XXXX. Fee Exceeds Contract Terms ( FDCPA 808 ( 1 ) ) : The original creditors ( XXXX XXXX XXXX XXXX ) official 'FEES and PENALTIES ' policy explicitly states that for returned payments in Pennsylvania, the XXXX is 'not to exceed {$30.00} in XXXX XXXX XXXX ' CHECKredi drafted {$50.00} from my accounta {$20.00} overcharge that violates FDCPA 808 ( 1 ), which prohibits collecting fees not expressly authorized by the agreement. XXXX. Intentional Lack of Transparency : While the original creditor ( XXXX XXXX ) sent me a transparent email on XX/XX/XXXX and a follow-up 'Thank You ' email confirming my account reactivation, CHECKredi provided XXXX documentation. They failed to disclose the {$50.00} fee amount in writing before drafting it and provided no receipt or confirmation after the funds were taken. They intentionally obscured the fee amount to bypass the {$30.00} legal limit in Pennsylvania. XXXX. Overshadowing of Dispute Rights : CHECKredis initial notice gave me until XX/XX/year>, to dispute the debt. By forcibly drafting the {$50.00} on XXXX XXXXdespite a verbal dispute and before the legal window expiredthey 'overshadowed ' my federal right to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: AL

Complaint narrative:
EdFinancial stated they have no knowledge that my loans are associated with XXXX When my loan was with XXXX my loan indicated XXXX. why is Edfinancial unaware of my XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing my auto lenders claim that I am XXXX months behind on my vehicle payments. My car note is due on the last day of every month. I called Regional Acceptance the morning of XX/XX/year> about a charge i noticed on my account. They informed me that it was a late fee. I was unaware of a late fee, however I paid my entire car note ( XXXX ) that day. The next morning, XX/XX/year>, i received another message to give them a call. Before I called back, I checked my banking app and it now said I owe about 3 months of payments. They allege that the charges were reversed. I have documentation showing that the disputed payments were successfully withdrawn from my bank account. The lender claims the payments were reversed ; however, my bank has confirmed that no reversal funds were returned and no ACH reversal occurred. I requested documentation supporting the alleged reversals, including ACH trace information and return codes, but the lender has not provided sufficient proof. Because of this discrepancy, I am requesting : - A full investigation into the disputed payments - Documentation proving any alleged reversals - Correction of my account status - Removal of any improper late fees or negative reporting

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: MN

Complaint narrative:
I am unable to access my account due to the company rejecting my phone number with a try a new number error. This prevents me from receiving verification codes and logging in. I have already completed identity verification multiple times and contacted support repeatedly. Each time, I was given basic troubleshooting steps that did not resolve the issue. My request for escalation or a manual update to my phone number has not been properly addressed. This issue is preventing me from accessing my account funds and overdraft feature, which is causing financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In connection with a divorce, I completed the mortgage servicers required assumption process in late XXXX to be removed from liability on a home loan. On XX/XX/XXXX, the servicer issued a signed Release of Spousal Liability letter stating that I was released from all future liability and that the account had been updated to reflect the remaining borrower as the sole borrower effective that date. I was not notified of this at the time and only became aware of the letter after contacting the servicer on XX/XX/XXXX, when a representative located it in their system and provided a copy. Despite this, the servicer continues to list me as a co-borrower and continues to send mortgage and escrow statements to me. Multiple representatives have confirmed that the release letter exists in their system but can not explain why my name remains associated with the loan. I have made repeated attempts to resolve this issue : XX/XX/XXXX Confirmed release and obtained letter XX/XX/XXXX Issue reported ; complaint filed XX/XX/XXXX Follow-up ; no resolution XX/XX/XXXX Escalated again ; instructed to submit written request XX/XX/XXXX Formal request sent via fax XX/XX/XXXX Spoke with escalation manager who confirmed receipt and acknowledged issue ; response promised by XX/XX/XXXX XX/XX/XXXX Follow-up ; still listed as co-borrower ; no response received This is not a pending request. The servicer has already executed and documented the release of liability but has failed to implement it correctly in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation