vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SUBJECT : Dispute of Accuracy Insufficient Documentation & Request for Deletion To Whom It May Concern, I am writing in response to your prior communications and the documentation you provided through the Consumer Financial Protection Bureau XXXX regarding the above-referenced account. I have carefully reviewed all materials submitted, including : The account summary and balance information The original loan agreement with XXXX XXXX XXXX XXXX XXXX The Bill of Sale reflecting a portfolio transfer to Spring Oak Capital The assignment documentation reflecting transfer to Spring Oaks Capital SPV , LLC While these documents reference a transfer of accounts, they appear to reflect a general portfolio-level transaction and do not specifically identify or clearly link my individual account to the alleged transfer. For example, the Bill of Sale references a flow sale file and portfolio of accounts, but does not provide account-level documentation demonstrating that my specific account was included in that transfer. Additionally, while an assignment document was provided, it reflects internal transfers between related entities and does not independently establish clear, traceable ownership of my specific account with sufficient detail. Under the Fair Credit Reporting Act, furnishers are required to conduct a reasonable investigation and ensure that all reported information is accurate, complete, and verifiable. Providing generalized documentation that does not directly associate my individual account with the transfer does not meet this standard. Furthermore, your response does not sufficiently address the involvement of multiple entities in the collection and reporting of this account, which raises additional concerns regarding the accuracy, ownership, and authority to report. As such, the continued reporting of this account without proper account-level documentation constitutes inaccurate and unverifiable reporting. I am formally requesting deletion of this account from all credit reporting agencies, including XXXX XXXX XXXX XXXX. Failure to correct or remove this information after being placed on notice may constitute willful noncompliance under the Fair Credit Reporting Act. Please confirm deletion of this account or provide documentation that specifically and clearly demonstrates compliance with FCRA requirements at the individual account level.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
RE : Freedom Mortgage XXXX I would like to address Freedom Mortgage 's report on this loan. I acquired this loan in XXXX of XXXX. At the time, I was told that I had to have the escrow account and should impound taxes and insurance. So I did. Since that date, I have realized there is no reason for my taxes to be impounded because I am a Veteran in Tennessee. Tennessee does not require 100 % XXXX XXXX to pay property taxes on their property, and I was receiving refunds for XXXX, XXXX, and XXXX. In XXXX, I requested that taxes no longer be impounded into the loan when the combined payment of the loan principal and escrow reached a level that was difficult to afford. Freedom Mortgage spent XXXX months trying to understand what I requested. In XXXX, after a long discussion with several representatives, providing proof of paid taxes, and XXXX more conversation with an escrow XXXX, the taxes were removed from the escrow account. I was not attempting to remove the insurance portion of the escrow. I no longer wish to have Freedom Mortgage pay any of my responsibilities or liability. The mortgage was then reviewed again, and starting in XX/XX/XXXX, the escrow account will have a surplus of {$900.00}, which they will send back to me as a check. I requested that this amount be applied to the late amount, which would be any late fees they have charged and/or any other charges accrued, since I paid the amount less the taxes. Today, I was informed there would be no refund nor reapplication of any funds as the loan is in a late status. During this time, XXXX, I have maintained a payment of {$2400.00} while this discussion was ongoing. I see that my good faith has not been met by the same, as now I am being reported as the whole mortgage is late. The loan itself is covered every month at {$530.00} in principle {$1400.00} in interest The payment is made on the XXXX of the month. This leaves roughly {$700.00} in the Escrow fund, and since Freedom Mortgage did not act in what I feel is a timely manner, I am now behind on the INSURANCE payment, which will be out of escrow with them in XXXX of XXXX. The reporting of late is incorrect, as they receive payments and cover not only principal but also interest. The amount that isnt being covered is the portion of property tax and the increase of insurance that has been addressed. I wish this documentation to be recorded on my account and that the late notices be notated if not 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 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
XXXX XXXX hit in XXXX. I still have not received my final insurance Loss Claim check from XXXX. They are requesting a copy of my Settlement Document from litigation. I have NO idea why THEY dont have a copy of this. But I got the requested document from my attorney and attempted to upload it on their insuranceclaimcheck.com portal but it is not letting me login to upload. I called XXXX and they said the user name should be my email. So i put that in. My password was saved on the website. That combination didnt work so I clicked reset password link. I sends no link to my email to reset password. Ive tried several times. Ive tried resetting user name link several times also with no reply to my email. I tried finding a number to call but there is none on that website. So i called XXXX back and told them the problem. They put me on hold and keep transferring me in a loop that gets me nowhere. Obviously just another attempt to wear down the customer until I give up trying to get the money that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
On XX/XX/year>, I was charged {$330.00} by a dental provider for XXXX procedures a Comprehensive XXXX Evaluation ( {$140.00} ) and an Intraoral Radiographic Series ( {$190.00} ) without being informed of the total cost before services were performed. No written estimate, treatment plan, or financial disclosure was provided prior to treatment. I filed a dispute with my bank. It was denied, with the bank citing " XXXX or more separate and unique authorizations. '' I want to clarify : those authorizations occurred after services were already completed, not before. XXXX asked to pay after treatment is not the same as informed financial consent given before treatment begins. I filed a first appeal. It was again denied in the merchant 's favor. I filed a second appeal with new documentation the official itemized ledger from the dental provider confirming the charges, XXXX procedure codes, and XXXX separate providers billed on the same date. The bank has not yet responded to this second appeal. Additionally, when I contacted the merchant directly, they offered a partial refund of {$260.00} only if I first purchased a {$70.00} membership plan. This means I would pay an extra {$70.00} and receive {$260.00} back a net loss of {$140.00}. This is not a good-faith refund offer. My bank has failed to properly investigate this dispute. The merchant 's conditional refund structure is predatory. I am requesting my bank be required to credit my account the full {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Disputed debts which was charged off by original owner

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I realized my bank account was frozen on XXXX of XX/XX/year>. I saw on the app it was for XXXX child support collection. That day I went in person to child support to resolve the issue. Explained that there were protected funds from 100 % Va XXXX benefits and submitted documentation to clarify. XXXX child support apologized and said they shouldnt of done that because my account was noted protected funds and I just made a large payment XXXX month prior. They then reached out on my behalf to XXXX child support collections and was notified the levy to garnish funds didnt include my protected benefits and clearly stated that in the bottom paragraph of addition information. I was told it was up to my bank to identify and send over funds subject to the garnishment and was told to deconflict with the bank. The next day Thursday XXXX XX/XX/year> I called the bank and they confirmed all my funds in my accounts were in fact protected benefits but possible human error approved the garnishment and said they were sorry it shouldnt of happened but they didnt have the authority to remove the hold. I was told they needed a XXXX to review it and it could take up to a week to calll me but my funds would be sent out on Monday the XXXX XX/XX/year>. I called again Friday XXXX XX/XX/year> and Saturday XX/XX/year> for help me release my protected funds due to financial hardship multiple times and was told sorry it shouldnt of happened but I had to wait for a XXXX to review my case. On Monday XXXX 2026 I called and they were able to delay sending my funds out that were frozen till Friday XXXX XX/XX/year> and it that should give them time to review and get back to me back. Today Thursday XXXX of XX/XX/year> I called again and was told it was reviewed and approved for garnishment and it wont be reviewed again but they dont know why they didnt call me and there is nothing to be done now to stop this. Now all of my protected funds have been frozen for over a week. I only had about XXXX $ cash to my name and been struggling to get food or gas. I missed XXXX payments set up for automatic bills and XXXX payment I call to pay over the phone. I was charged an overdraft fee and returned fee. I have been stressfully attempting to fix this situation that I keep hearing should have never happened for almost the whole week now. My biggest concern is trying to resolve this issue before my rent is due so I dont get evicted on the first of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
Since youre dealing with CREDENCE RM, this draft is structured specifically for the CFPB XXXX to highlight their failure as a debt collector to report consistent data. Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Name : Credence Resource Management , LLC ( CREDENCE RM ) Account Number : [ Insert Account Number ] Describe What Happened I am filing this complaint against CREDENCE RM for violating the Fair Credit Reporting Act ( FCRA ) by reporting " junk data '' that is factually impossible. I have already attempted to resolve this through a direct dispute, but the company failed to correct the errors, proving they are not maintaining accurate records. The inconsistencies provided by CREDENCE RM across the XXXX major credit bureaus are irreconcilable : Impossible Status : CREDENCE RM is reporting this account as " Open '' on XXXX but " Closed '' on XXXX XXXX XXXX. It is a legal and physical impossibility for a single account to be both open and closed simultaneously. Inconsistent Activity Dates : They are reporting XXXX different " Dates of Last Activity '' for the same account : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This proves their internal ledger is unreliable and lacks a single, accurate date of record. XXXX Errors : The " XXXX XXXX '' dates do not align across the bureaus, which confirms that CREDENCE RM is furnishing uncoordinated and unverified information rather than a synchronized data set. These blatant contradictions prove that CREDENCE RM failed to conduct a reasonable investigation and is currently reporting inaccurate information that damages my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
In XXXX, XXXX, I switched my monthly student Loan Payments to Sloan Servicing from Nelnet to auto-payment. After I switched my payment to auto, Sloan Servicing changed the allocation of the monthly payment even though the monthly amount remained the same. It switched the allocation so that each month, interest would accrue and roll over to the next month. When I went in to check on the loan in XXXX, XXXX, I noticed that {$630.00} of interest had accrued for my loan. I inquired how it was possible that interest had accrued since I paid the monthly amount and the monthly amount was sufficient to cover any interest that had occurred for that month. Sloan Servicing had no explanation for why it allowed so much interest to occur. I have attached the payment activity which shows that the allocation for interest was reduced after I switched my payment from XXXX to XXXX. This lead to the accrual of interest each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AL

Complaint narrative:
My Cash App account was suddenly closed, and I received a generic message stating that I had violated the Terms of XXXX. I rarely use Cash App, and my recent activity consists only of small, ordinary personal transactions, including a {$10.00} purchase of a case of water, a {$20.00} Cash App XXXX purchase, a {$10.00} birthday gift received, and XXXX withdrawals to my bank ( {$10.00} and {$120.00} ). None of these transactions violate any Cash App policies. I contacted Cash App XXXX multiple times and asked for the specific section of the Terms of XXXX they believe I violated, the specific transaction or activity that triggered the closure, and confirmation that a human reviewer evaluated my account. Cash App refused to provide any of this information. Their representatives repeatedly stated that they do not have to provide detailed information and closed my complaint without explanation. They also acknowledged that my request for specifics is reasonable but still refused to answer it. Cash App has taken adverse action on my financial account without providing a specific reason, a specific policy, a specific transaction, or any documentation supporting their decision. This lack of transparency prevents me from understanding or addressing the issue. I am requesting that Cash App be required to provide the exact policy they believe I violated, the exact transaction or activity that triggered the closure, and a real human review of my account. If no violation occurred, I am requesting reinstatement of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nexXXXX XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: NJ

Complaint narrative:
I had XXXX different credit cards closed on me due to what theyve told me was because i made to many payments using different debit cards and they see that as fraud and these cards i had XXXX years plus XXXX from capital one and XXXX from aspire

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I contacted Ally Bank via their online chat support to close my savings account with them. I was told that they can't close via chat and I would have to call. I told them that I am deaf and can not call. They then said random things after I asked them to elevate me to a supervisor. They elevated me and they told me they would be in touch via email. They never emailed me. They tried calling me the next day. I told them not to call because I am deaf. So I sent them a secure message via their online portal. They told me my case was still being worked on and they would respond soon. Then I tried logging in to check on the status of it a couple days later and it said my account was locked out and the only option I was given was to call to unlock. I was never told what my account status was and never told my account was locked until I tried to log in.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have experiences a consistent number of debt collection mistakenly put on my credit report under experian. I have reached out and tried to deliver the matter on XXXX different occasions. The first dispute was on XX/XX/XXXX of which they simply removed the debt collection of XXXX dollars under LVNV FUNDING LLC. Ive reached out and was told it was from a former energy provider company named amigos energy, I have never had an account opened with them at any point in my life. I am XXXX and when the account was open and lastly used I was under the age of XXXX in which I had never opened or used my credit. After that mistake removal it later appeared on my credit again early XXXX to which I filled another dispute on XX/XX/XXXX, followed by a second one on on XX/XX/XXXX to which they told me all information was correct and ignored my request for proof of agreement involving my name and correct social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems , LLC regarding a debt collection matter. I was contacted regarding a debt, and during a recorded phone conversation, I was informed that the account would be deleted from all credit reporting agencies upon payment. Based on this representation, I agreed to and completed payment in full. After payment, I received written correspondence stating only that the account was paid in full and that the company would request deletion from the credit bureaus. This does not reflect the terms that were agreed upon during the call. I have documentation of the agreement, including a recording of the conversation confirming that deletion would occur upon payment. The company has failed to provide written confirmation of deletion as agreed and has not honored the terms under which payment was made. I am requesting that this matter be reviewed and that the company be required to comply with the agreed-upon terms or remove the account from all credit reporting agencies. Company Name : Jefferson Capital Thank you.

Company response to consumer: Closed with explanation