vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 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: FL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I disputed an account being reported by Sources Receivable because it does not belong to me. On XX/XX/year> and XX/XX/year>, I contacted Sources Receivable, and they were unable to locate any account using my name, state, phone number, or Social Security number. I was advised to dispute the account because they have no record of it. I requested verification of the alleged debt, and none was provided. Despite this, the account continues to be reported on my credit file, and XXXX  did not remove it. Reporting a debt with no record and failing to verify it violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
Someone opened this account in my name, without my permission, and I was made aware of it by a text message, I asked them to close the account and send me proof of closure as I did not open this account and it was opened fraudulently.

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 2026-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a XXXX XXXX XXXX account with 5th 3rd bank. I received an offer to earn 4.25 % in XXXX until XX/XX/XXXX. I visited a branch on XXXX XXXX in XXXX, GA and spoke to XXXX XXXX XXXX in XX/XX/XXXX. He said I met the criteria for the rate as long as I increase my deposit by {$25000.00} by XX/XX/XXXX. I went ahead and deposited {$30000.00} a few days later. In XXXX, I noticed I did not receive the promotional rate and it remained at 1 %. I went back to the branch and spoke to XXXX XXXX who said he would take care of it. After weeks of checking, XXXX XXXX sent me an email saying the issue was resolved. It was not, my rate remains at 1 %. No further communication has come from XXXX XXXX. 

I feel I was baited into making a large deposit for a rate that was never credited to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/year> debit card purchase made to XXXX that was fraudulent XX/XX/year> Account takeover on Capitol One bank accounts, money transferred between accounts, unauthorized Bank accounts were closed, new ones opened, claim made to investigate the debit card purchase

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
In XXXX  I purchased my home for {$79000.00}. My Home was transferred to a couple different services XXXXXXXX XXXX XXXX XXXX and XXXX during the transfer of these two mortgage services. My home principal balance doubled today XXXX mortgage servicing is the holder of the loan. The balance on the home now is XXXX. I started off at the beginning, like I stated with a balance of XXXX I had to modifications during this period of time which taking my home at one point over XXXX something illegal has been done here because someone please look into the matter I have been trying and trying to straighten it out I would greatly appreciate your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: CA

Complaint narrative:
I am submitting a formal complaint regarding account servicing errors and billing resulting from an insurance cancellation that I was not properly made aware of. 
My insurance was canceled due to a contact/system issue. I was not properly notified of the cancellation, and when I attempted to update or correct my account information, I encountered system issues that prevented me from resolving the problem. 
The vehicle was later totaled, and I subsequently received a final invoice for approximately {$25000.00}. I am not refusing payment. However, the balance stems from circumstances involving the insurance cancellation and servicing issues that I attempted to address. 
I previously requested escalation to a supervisor or hardship review team due to : The insurance cancellation occurring without proper notice My attempts to correct account information being unsuccessful The significant balance involved Despite these requests, I have not received meaningful escalation or clarification. Instead, I was informed that the balance may be sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
Midland Credit Management , Inc. ( MCM ) hired the law firm XXXX XXXX XXXX XXXX XXXX XXXX to collect a debt and filed a lawsuit against me. Their listed address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the phone number provided is XXXX. 
I have made multiple attempts to contact the law firm to resolve the debt before my court date on XX/XX/XXXX. They do not answer their phones consistently and often do not return calls. MCM instructed me that all communication must go through the law firm. 
I emailed the law firm to offer a compromise to avoid court. They asked for my last four digits of my SSN and address, which I provided immediately. After that, they stopped responding. 
I called them again on XX/XX/XXXX, and they told me they can not take payment because I filed a dispute in court and would need approval from MCM. I called again twice on XX/XX/XXXX, and again no one answered. 
I believe this law firm files high volumes of lawsuits with the intent of obtaining default judgments and does not maintain sufficient staffing to handle their legal caseload or communicate with defendants. They have been unwilling or unable to assist in resolving my debt despite my goodfaith effort to settle before the court date. 
I believe the CFPB should investigate their business practices, responsiveness, and whether they are meeting legal requirements as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint regarding Credit Corp Solutions for reporting inaccurate and/or unverified information on my credit report.

Credit Corp Solutions is currently reporting a debt under my name that I dispute in its entirety. I have not received proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite disputing this account, the company continues to report it to the credit bureaus, which is negatively impacting my credit profile and my ability to obtain financing. 
To date, I have not been provided : A copy of the original contract bearing my signature A complete payment history Documentation showing that Credit Corp Solutions has legal authority to collect this alleged debt Proof of assignment from the original creditor Reporting unverified or inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ). Continuing to report a disputed debt without proper validation is unlawful.

I am requesting the following : 1. Immediate investigation of this account.

2. Immediate deletion of this account from all credit reporting agencies if proper validation can not be provided.

3. Written confirmation that the account has been removed.

If Credit Corp Solutions can not provide legally sufficient documentation proving this debt is valid and collectible, it must be removed from my credit report immediately.

This inaccurate reporting has caused financial harm and credit denials. I expect prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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: TX

Complaint narrative:
I am filing this complaint regarding PayPals refusal to honor buyer protection on a transaction in the amount of {$350.00}. 

I purchased merchandise from XXXX XXXX and funded the transaction through PayPal using my XXXX XXXX debit card. The package was shipped via XXXX but was never delivered to me. 

XXXX has confirmed in writing that : -The shipment was lost in transit ; and XXXX reimbursed XXXX XXXX for the lost package. 
-Despite the fact that : -I never received the goods ; and -The merchant has already been reimbursed by the carrier ; PayPal denied my dispute and closed the case in favor of the merchant. 

I provided PayPal with documentary proof from XXXX confirming loss and reimbursement. Nonetheless, PayPal refused to issue a refund. 

As a result, the merchant has retained both the carrier reimbursement and my {$350.00} payment. 

This reflects a failure of PayPals Buyer Protection process and raises concerns about unfair dispute handling practices. 

Additionally, I have issued a formal XXXX demand under the Texas Deceptive Trade Practices Act ( DTPA ) to the merchant. PayPals refusal to correct this matter forces consumers into unnecessary legal escalation despite clear proof of non-delivery. 

I am requesting that PayPal : Reverse the transaction and refund {$350.00} immediately ; Review the handling of this dispute ; Provide written explanation of the basis for denial in light of carrier-confirmed loss and merchant reimbursement. 

This matter has been ongoing for over XXXX months and has required multiple phone calls without resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to use the ATM in a XXXX XXXX  location in XXXX. My first attempt was met with a " transaction could not be completed '' message from the ATM. I tried again and was met with the same message. I then moved over to the other ATM and received my funds. About a week later I noticed that all transactions were debited from my account and reached out to my bank, Ally Bank, to dispute the transactions. On XX/XX/XXXX, my account was credited with XXXX " provisional credits '' in the amounts debited, {$500.00} each. My account was then whole. However, on XX/XX/XXXX, XXXX charge of {$500.00} was again withdrawn from my account. I again called to dispute this and was given another provisional credit on XX/XX/XXXX, which was immediately withdrawn the same day. I again contacted Ally and was told I needed to file a police report in order to have my money back because, not sure if it was in this conversation or a future one, but was told that XXXX XXXX  had sent a letter claiming to have credited me both times. I do not have, and have never had, a XXXX XXXX  account, aside from that XXXX ATM transaction that was process, they have no way to credit me. The police were not able to help me because the officer said he did not know how to file this and suggested I call my bank back and ask for a manager. I did this and was told to get a letter from XXXX XXXX  saying that I was right and they did not credit me. I went to XXXX XXXX  and was told they could not help me because I did not have an account with them and suggested I tell Ally to show me proof that they sent such a letter. I asked for the branch manager, but he was not in that day. I was able to return on XX/XX/XXXX to XXXX Bank, and contacted Ally Bank while there. I asked to speak with an Ally manager, and even though I suspect I was not given a manager I asked for proof of this letter. The manager at XXXX advise me that this seemed like a mistake on Ally 's part. Ally 's manager said she put in the request for proof and after I explained the situation for the fifth time, she said she thought it was a mistake on their part and I should be hearing from them in XXXX to XXXX business days. She also asked for the manager 's information at XXXX and I was able to give her that information as I was still sitting with him. It has now been approximately XXXX business days since then, and over XXXX  months from the first withdrawal, and I have not heard back from Ally. This seems like I am being given the runaround so that they can keep my money. Please help.

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 2026-02-11 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: NC

Complaint narrative:
There were XXXX VERY large fraudulent transactions that occurred on my debit card that was lost. I called and filed a claim with Wells Fargo immediately on Sunday, XX/XX/year>, to report these fraudulent transactions and my debit card lost. Backstory - on Sunday I logged into my online banking account ( I typically check every Sunday ). There was a notification that said " unusual activity in account, please verify if you recognize these transactions. ". I looked through the transactions and saw XXXX that I did not recognize with a vendor that I have never heard of or have never used. I selected the option " I do not recognize XXXX or more of these transactions ''. As soon as I selected this my debit card was locked. I looked in my wallet and noticed my debit card missing - these transactions must have occurred using my lost card. I clicked into the transactions to look at them further and saw under method " Card # Entered by Customer/Merchant ''. I typically use XXXX XXXX for transactions with my debit card, so obviously these transactions occurred by someone using my debit card and typing in the number. I have tried escalating this with Wells Fargo given the large $ amount and have not got any updates. This is very worrying for me since so much was withdrawn from my account fraudulently and they don't seem to care. It is a battle asking for updates and progressing the case. Under Regulation E, they should be fighting for me vs me fighting with them. I have received word that my account has been closed as a result of these transactions, BUT STILL NO CREDIT OR ANYTHING to reimburse me. Things are going at a snails pace. It is not that hard to reimburse clients for unauthorized charges. I expect to receive my money back as soon as possible. 

XX/XX/year> - {$1200.00} XX/XX/year> - {$8700.00} XX/XX/year> - {$4400.00}

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 2026-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
They said I owe {$3100.00} I had a {$500.00} deposit that they took so this paid the {$220.00} that I actually owed for water, keys, etc. The other {$270.00} was put towards the early termination fee they claim I owed which is {$2800.00} which put the amount they CLAIM i owed at XXXX. Theyre trying to charge me for EARLY TERMINATION when the community director at the time XXXX XXXX confirmed with me I could break my lease without penalties due to me seeing roaches and mold I wanted out! XXXX XXXX didnt work there anymore by the time I moved out and she failed to let the office know before she left and didnt update my file which is not on me when I have showed proof. I have filed XXXX disputes which came back as accurate which it is not, XXXX XXXX gave XXXX XXXX a copy of my lease but not a copy of their community director messages to me. 

I have listed the move out statement, my XXXX  day notice, and XXXX XXXX confirming I could break the lease without penalties max

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I missed a call from XXXX today, XX/XX/year> at XXXX XXXX. 
I called the number back at XXXX XXXX, XX/XX/year>. 
They asked who I was and in response I asked who they were. A lady answered XXXX. Then asked if I was the correct person they were trying to reach. I told her no, as I didnt know who XXXX was. So I asked what company are you with? And she said Express Recovery Services. Then asked me again if was the correct person and I said no. Instead of her leaving it at that, she bounced back telling me how I COULD HAVE responded. I told her it doesnt matter since Im not the right person anyway. She went off about how I didnt need to know her place of work then. I responded telling her she didnt have to be a bi * * *. Told her to have a good day and hung up. At XXXX XXXX  on XX/XX/year>, so not even XXXX minutes after I hung up, my work received a call from XXXX that asked for me. I didnt answer the number since I never get XXXX calls. No voicemail was left again. I googled the number and it comes up as Express Recovery Services. So now not only is it harassment for calling me back to back, theyre calling my place of work after telling them they have the wrong number anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAPis 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 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Acorns Grow Incorporated
State: CA

Complaint narrative:
I am filing this complaint to report Acorns for deceptive business practices and failure to provide a clean break after account closure. 

On XXXX XXXX, I received an official confirmation from Acorns stating that my account was closed. My final statement clearly shows a {$0.00} balance as of XX/XX/year>. However, Acorns continues to harass me by sending official-looking " Account Statements '' to my email, creating false anxiety that my account or data is still being processed without my consent. 

Furthermore, their app displays a " Reopen Account '' button, proving they have acknowledged the closure but are intentionally using deceptive tactics ( Dark Patterns ) to solicit a restart. Their refusal to stop communications after a formal termination is a predatory practice. I demand the CFPB to compel Acorns to : Permanently delete my information from all marketing/statement lists. 

Issue a final, human-verified confirmation that no further contact will occur. 

Cease these deceptive solicitation tactics that confuse former customers.

Company response to consumer: Closed with explanation