vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Company complained about : XXXX Product : Debt collection/Credit Reporting Issue : Incorrect information on my report/Problem with investigation/Attempts to collect debt not owed Complaint narrative : I am submitting this complaint because inaccurate and/ or incomplete information remains on my consusmer report after multiple written disputes. I disputed the account with XXXX on XXXX, and XX/XX/year>. I also contacted the furnisher, Spring Oaks Capital LLC, XX/XX/year>. Under the Fair Credit Reporting Act, consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes inaccurate or incomplete information, and furnishers must investigate disputes forwarded to them and correct or delete inaccurate, incomplete, or unverifiable information. The responses I received did not address my specific dispute or provide documentation proving the account is reporting accurately. I am requesting that the company complete a proper investigation, provide documentation supporting that reporting, correct all inaccurate fields, and delete the account if it can not be verified as complete and accurate. I have supporting documents, dispute letters, certified mail receipts, and bureau responses available for review. Requested resolution : Delete or correct the inaccurate reporting and provide written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
I have received XXXX automated calls from Harris & Harris. When answered these calls play an automated message asking me to call one of their associates, when unanswered there is an automated voicemail left with substantially the same message. I have attempted to contact Harris & Harris in response XXXX times by phone. Each time I have called Harris & Harris I connected with a human, identified myself, and then was told I needed to be forwarded to another call taker. On all three of my calls, I was forwarded twice ( XXXXXXXX human calltakers ) who then forward me a third time to an automated answering machine that is the same as the answering machine which first plays when calling. I disconnected twice when reaching the same answering machine, and stayed on the phone once, only to reach a fourth calltaker who stated he would need to forward my call. In total I have connected to XXXX calltakers ( across XXXX calls ) each of whom asked for my name and callback number before forwarding me to another agent. During my most recent attempt to reach Harris & Harris I protested being forwarded and was told another agent would need to assist me. Despite my own effort to reach Harris & Harris I have been totally unable to establish any meaningful communication with them or learn what debt they are seeking to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year>, I opened a Business checking with Citibank, account # XXXX. I also filed a business, as a dba called XXXX XXXX as a sole proprietor. I was having deposits made into this account incl checks from social security, XXXX XXXX checks, etc. It wasn't until 1 month later that I was told I can open a personal checking account also with Citibank. On XX/XX/year>, I opened a personal checking account with Citibank, acct # XXXX. So every month, when deposits from SS, pay checks came in, I would just transfer them to my personal checking accounts. I did this since it was difficult to update direct deposit info. Some of the funds that I transferred to personal checking was sent out by wire transfer. Everytime I wanted to send out wire transfers, I was questioned by Citibank employees as to why I was doing this. Since XX/XX/year>, I was locked out of both my personal and business checking accounts. I was told they were being reviewed by the fraud department. Since then, I received a letter from Citibank that they decided to terminate my personal checking account ( XXXX ) and it would take XXXX days to return funds in my account. Today, my personal checking has a balance of {$6500.00}. I have called numerous times to explain to them that my funds are to be used for my bills, mortgage, utilities, credit cards, etc. And Citibank just says its their procedure to release funds. Today, I called as a follow up on the business checking account ( XXXX ) and asked for status on this account. My business checking has a balance of {$1300.00}. I inquired since I never got a closing letter - but presently am locked out of this account. The Citibank person told me today that XXXX checking is under review for " fraud '' - this is the first time I have heard about this. And the Citibank person told me - after their investigation, Citibank may retain the funds in the account due to their investigation. Fraud?? and I can't talk to the Citibank dept to person that's looking at my account. I would like to know how they came upon this thought. I have never been overdrawn or owed money to Citibank. I think its horrible to be treated this way, for both accounts to be with citibank for 60 days. and their delay in return of funds.

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 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for attempting to collect a debt that has not been properly validated. I previously sent a formal debt validation request pursuant to the Fair Debt Collection Practices Act. In that request, I specifically asked for a signed agreement, full account history, and documentation proving ownership and enforceability of the alleged debt. XXXX XXXX XXXX XXXX has failed to provide any of the requested documentation. Despite this, they continue to contact me by telephone and attempt to collect this alleged debt. Additionally, this account is associated with Synchrony Bank, which previously initiated legal action but failed to complete service of process. Court records confirm the case was placed in inactive status and subject to dismissal. This means the alleged debt has never been legally validated or adjudicated. Continuing collection activity without validation, and while no enforceable judgment exists, is misleading and constitutes a violation of federal law.

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 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and a servicing failure on my student loan account with Nelnet. I have maintained a consistent history of on-time payments and have never previously been delinquent on this account. At the time in question, I reasonably believed my loan remained in deferment due to unemployment, based on my prior account status and the absence of any clear, account-specific notification that payments had resumed. Nelnet has reported a XXXX delinquency, which resulted in an approximately XXXX decrease in my credit score. This is the first and only late payment on my account and is inconsistent with my established payment history. Nelnet has stated that it attempted to contact me ; however : I have no record of missed calls or voicemails from Nelnet, I did not receive any specific written notice indicating that my deferment had ended, that payments had resumed, or that my account had become delinquent, The only communications I received were generic, non-account-specific emails that did not clearly indicate a payment was due or that adverse credit reporting would occur. Given my perfect prior payment history, I was not reasonably aware that a payment obligation had resumed. The lack of clear and verifiable notice prevented me from taking timely action and resulted in significant and unwarranted credit harm. Additional Information This is the first and only delinquency on my account. The reporting is inconsistent with my otherwise strong payment history. The impact to my credit profile has been severe and disproportionate. This matter is also time-sensitive, as I am currently in the process of purchasing a home. The inaccurate reporting has materially affected my credit profile and may impact my financing terms. I respectfully request a prompt and thorough review given the potential financial consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Aqua Finance, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, a recreational vehicle was sold and a loan payoff was issued by a credit union in the exact amount of {$98000.00}, based on a valid payoff quote provided by the lender. The payoff was made via a cashiers check issued by the credit union. The payoff check was sent via XXXX XXXX XXXX XXXX to the lenders authorized payoff address and was confirmed delivered and signed for on XX/XX/year> at XXXX XXXXXXXX As of XX/XX/year>, the lender continues to report the loan as active with a remaining balance, despite confirmed receipt of the full payoff amount. The payoff has not been applied, and the account has not been closed. This delay is resulting in continued accrual of interest and an inaccurate account balance after the loan should have been satisfied. Additionally, it was discovered that over an extended period of time, extra payments made above the required monthly amount were not applied to principal as intended, but instead treated as prepayments, advancing due dates rather than reducing principal. This practice increased the total interest paid over the life of the loan. The lender has been contacted and requested to apply the payoff and correct the account, but as of the date of this complaint, no response or resolution has been provided. Because the payoff has not been applied and the loan remains active, the lien has not been released. This delays transfer of clear title to the new owner following the completed sale, creating risk and uncertainty for both parties and preventing final completion of the transaction. This appears to be a failure to promptly apply a valid loan payoff upon receipt, as well as improper handling of additional payments, resulting in financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Disputing the accuracy of the reported information for the above-listed account. The information being reported is not accurate. Please conduct full investigation and provide verf. If info can not be verified, I am requesting removal from my XXXX report

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 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing this as my second complaint against Cash App regarding the same unresolved issue. After submitting my initial complaint, I made multiple attempts to follow up and specifically requested guidance on how to submit additional supporting documentation, including a police report and detailed information related to the scam. I was explicitly informed that I would have the opportunity to provide this documentation once an investigation was initiated. This matter has been formally escalated to both the XXXX XXXX XXXX and the XXXX XXXX XXXX. Despite the seriousness of the complaint and the existence of official reports, Cash App failed to provide any opportunity for me to submit this critical documentation. Instead, my case was closed without a meaningful investigation or review of the available evidence. This is unacceptable and does not reflect a good-faith effort to investigate a reported scam or protect consumers. I am requesting that this matter be reopened immediately and that Cash App be required to conduct a thorough and documented investigation, including the review of all supporting materials I have been attempting to provide. Additionally, I request clarification as to why my case was closed without affording me the opportunity to submit relevant evidence, despite being advised that I would be able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have requested validation of this reported late payment. Please provide the method of verification, payment history, account records, dates, and supporting documentation used to confirm its accuracy. I dispute the late payment being reported on this account. This delinquency was reported due to an error by the creditor and is not an accurate reflection of my account history. Please conduct a complete investigation and delete the inaccurate late payment from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
I am filing this complaint because the companys investigation failed to correct inaccurate and incomplete information on my credit report. On or about XX/XX/year>, I disputed this account and requested full validation, including complete payment history, the date of first delinquency, and documentation supporting the reported balance. The company responded but failed to provide sufficient documentation to verify the accuracy of the account. The account is being reported as charged off with a balance ; however, no proper accounting of how that balance was calculated has been provided. There are also inconsistencies in the reporting, including payment history and delinquency status, which raises concerns about accuracy. Despite my dispute, the company continues to report this information without providing the required verification. This indicates the investigation was not reasonable. Under the Fair Credit Reporting Act : 15 U.S.C. 1681i requires a reasonable reinvestigation of disputed information 15 U.S.C. 1681e ( b ) requires maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) requires furnishers to properly investigate and verify disputed data The company has failed to meet these obligations. I am requesting : Immediate correction or deletion of this account Written confirmation of the results Documentation supporting any claim that the account is accurate If the company can not fully verify this account with complete documentation, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: NY

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
. I am submitting this complaint regarding unauthorized transactions on my account with SoFi of {$1900.00} On XX/XX/year>, I lost my phone. Between XX/XX/year> and XX/XX/year>, unauthorized transactions were made using XXXX XXXX linked to my account. I did not authorize these transactions and was not aware they were occurring at the time. During this period, I still had my physical debit card in my possession and did not knowingly approve or initiate any digital wallet transactions. I am not highly familiar with digital wallet technology and did not realize my phone could be used for purchases after it was lost. On XX/XX/year>, I discovered the unauthorized activity and immediately filed a dispute with SoFi. On XX/XX/year>, SoFi denied my dispute after a brief review. I then submitted an appeal because I do not agree with the determination that these transactions were authorized. I have yet to receive the appeal email and also the email saying why my dispute was denied As a result of these unauthorized charges, my account balance was significantly impacted and I am currently unable to pay my rent this month. I am requesting a full and fair investigation into these transactions, reimbursement for the unauthorized charges, and clarification of the evidence used to determine that the transactions were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am submitting a complaint regarding inaccurate late payment reporting on my student loan account due to lack of proper notification from my loan servicer. My account appears to have entered a repayment status requiring paperwork and/or recertification. However, I was not properly notified that any documentation was missing or that my repayment terms had changed. I did not receive clear or timely communication warning me that failure to act would result in delinquency or late payment reporting. As a result of this lack of notification, my account began reporting late payments unexpectedly. Prior to this, my account was in good standing, and I have made efforts to remain compliant with all requirements. Because I was not adequately informed of these changes, the late payment reporting is unfair and does not accurately reflect my payment behavior or intent. I am seeking a resolution that corrects my credit reporting and ensures that this issue does not continue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North American Credit Services
State: FL

Complaint narrative:
I am disputing a medical debt currently being collected by North American Credit Services on behalf of XXXX XXXX XXXX related to an emergency room visit on XX/XX/2025. Prior to and at the time of treatment, XXXX provided me with a written estimate reflecting my expected patient responsibility as {$480.00} based on my insurance coverage. I paid that amount in full at the time of service in reliance on XXXX written estimate. After insurance processed the claim, I was later billed an additional {$6900.00}. This amount is materially different from the written estimate provided and paid at the time of service. I made multiple good-faith attempts to resolve this matter directly with XXXX, including seeking clarification, attempting to establish payment arrangements, and requesting review of the balance. Despite those efforts, I did not receive meaningful resolution and the account was referred to collections. I formally disputed the account with North American Credit Services and provided supporting documentation, including the written estimate, proof of payment, and billing records. Their response did not address the substance of my dispute regarding the significant discrepancy between the written estimate and the amount now being collected. Instead, they stated only that prior documentation had already been provided. This debt remains actively disputed. I am requesting review of North American Credit Services handling of this disputed debt, including appropriate notation that the debt is disputed and fair treatment while the underlying billing dispute remains unresolved. I am also requesting that no adverse credit reporting occur while this dispute is under active review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am filing a complaint against Newrez LLC regarding improper foreclosure actions, failure to respond to my loss mitigation request, and lack of communication. My financial hardship began in XX/XX/XXXX due to immigration-related delays preventing lawful employment. These delays were resolved in XX/XX/XXXX. I actively sought employment and secured a position on XX/XX/XXXX. After returning to work, I sustained a medical injury to my dominant right hand, which significantly impacted my ability to perform my job duties. Due to the severity of the condition and risk of long-term damage, I was forced to resign in XX/XX/XXXX to allow proper recovery. I currently receive XXXX XXXX income of approximately {$390.00} biweekly ( averaging $ XXXX monthly ) and am actively seeking employment to restore stable income. I made good faith efforts to contact the servicers XXXX XXXX Department and was told I would receive follow-up communication within XXXX days. No follow-up or written communication was ever received. Without my knowledge, foreclosure proceedings were initiated on or about XX/XX/XXXX. I only became aware through a third-party caller and confirmed this myself afterward. I have since submitted a complete loss mitigation package and requested evaluation for FHA retention options, including a Partial Claim and Loan Modification. The servicer has failed to : Acknowledge my loss mitigation submission Provide any response or follow-up Assign a point of contact Communicate the status of my account This raises serious concerns under the Real Estate Settlement Procedures Act ( RESPA ) ( 12 CFR 1024.41 ), which requires servicers to properly review loss mitigation applications and maintain communication with borrowers. I am requesting : Immediate confirmation that foreclosure activity is suspended Full loss mitigation review of my application Assignment of a Single Point of Contact Written confirmation of the status of my account This situation has placed me and my XXXX minor children at risk of losing our home. I am seeking a fair and lawful opportunity to retain my 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