vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Subject : Credit Report Dispute Student Loan Account XXXX ( Nelnet ) To Whom It XXXX Concern, I am writing to formally dispute the reporting of a student loan account listed on my credit file associated with Account Number : XXXX, reported by Nelnet. I believe the information being furnished to the credit bureaus is inaccurate, incomplete, and potentially misleading. I request a full investigation under my rights provided by the Consumer Financial Protection Bureau guidelines and the Federal Trade Commission enforcement of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). This account is disputed for the following reasons : XXXX. Inaccurate Reporting and Payment Miscalculations There are ongoing legal claims and consumer complaints alleging that Nelnet has miscalculated monthly payment amounts and reported inflated payment obligations to credit bureaus. This has negatively impacted my credit profile and caused my credit scores to decrease. XXXX. Misrepresentation of XXXX and XXXX XXXX I dispute the accuracy and validity of the balance, payment amounts, and the overall reporting of this account. XXXX. XXXX XXXX XXXX Nelnet has experienced a data breach that reportedly affected millions of borrowers, raising concerns regarding the safeguarding of my personal and financial information and the integrity of the data being furnished. Pursuant to my rights under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and related provisions ), I am requesting that the credit bureaus and the data furnisher provide verification and documentation of this account, including : - A copy of the original signed Master Promissory Note ( MPN ) bearing my original physical signature. - Complete chain of custody documentation showing the legal transfer and servicing rights of this loan. - Proof of the legal authority of the loan servicer to furnish data to the credit bureaus, including documentation related to any federal education loan program restructuring affecting this account. - A complete payment and account history ledger, including all deferments, forbearances, adjustments, capitalization events, and payment calculations. Additionally, under XXXX XXXX. XXXX ( Responsibilities XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. XXXX ( Reinvestigation of Disputed Information ), the information reported must be verified as accurate and complete. If the above documentation can not be produced or verified within the statutory investigation period of XXXX XXXXays, I request that this account be permanently deleted from my credit report and that I be provided written confirmation of the deletion per XXXX XXXX ( a ). Please also mark this account as Disputed by XXXX during the investigation period as required under federal law. I request that all future correspondence regarding this matter be provided in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: MO

Complaint narrative:
Misleading information. I was very anxious to refinance my home for upcoming XXXX. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have had some major financial setbacks recently with a poor credit score and the loan officer, XXXX XXXX, knew this. He lead me to believe my mortgage would be approved and gave me misleading numbers which I later discovered by reviewing this information with another lender. When I decided not to pursue a mortgage with AmeriSave and XXXX XXXX, her badgered me with emails telling me I had to follow through with him and that he would not return my {$500.00} lock in fee even though no services were rendered. I told him not to call me anymore, but he continued to do so exacerbating my XXXX XXXX XXXX This is predatory behavior. I am already financially strained and can not afford to give them {$500.00} for no reason. My new mortgage company does not require any money up front. It is simply unethical. I have told my bank to cancel the payment and expect action on this complaint. I have been a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Just once, I would appreciate it if someone would take the time to care for me. Thank you, XXXX XXXX XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
THEY SENT IT TO COLLECTION WITH NO PROPER VALIDATION OF THE DEBT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint regarding the reporting of late payments on my Navy Federal Credit Union credit card account. After reviewing my credit reports, I noticed that several late payments are currently being reported on this account. I dispute the accuracy of this late payment history and have requested documentation verifying the reported delinquencies. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ), furnishers of information have a duty to report information that is accurate and complete. Additionally, when a consumer disputes information that has been furnished to credit reporting agencies, the furnisher must conduct a reasonable investigation and be able to verify the accuracy of the information being reported. At this time I have not received documentation verifying the late payments being reported on this account. Because the late payment reporting has not been properly verified, I am concerned that inaccurate information may be appearing on my credit report. I am requesting that Navy Federal Credit Union investigate the reporting of this account and provide documentation verifying the reported late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am formally requesting validation of the alleged debt you are reporting under : Account Information ALDOUS AND ASSOCIATES XXXXXX/XX/XXXX Date Opened XX/XX/year> Balance {$130.00} XXXX dispute this debt in its entirety. Please provide : Original signed contract Full accounting of charges Proof of assignment to you agency Proof this debt belongs to me Until validation is provided provided, you must cease collection and reporting under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
In tax year XXXX ( XX/XX/XXXX ) i cashed a mature savings bond earning interest. I have not received a XXXX for the interest earned from the bank that cashed the savings bond. I have called their customer service on XX/XX/XXXX and was informed by a representative in the XXXX that i needed to go into a branch to resolve the issue. I asked to be transferred to a representative in the United States and was told by that representative that they would need to submit a request to the XXXX department and I would receive an update from the XXXX department within XXXXXXXX XXXX. I did not receive a call back so i visited the branch that cashed it. The employee requested a re-print and told me she would follow up with me. After XXXX business days I reached back out to the bank to escalate and file a formal complaint on the issue with the branch manager. The bank can not provide me with any information on when i will receive my XXXX, and they also can not provide me a reason that it was never received in the first place. This is not the right way to do business, and it should not be this difficult for me to get information that they are legally obligated to report to the IRS. I have spent multiple hours of my time trying to get a resolution and have had no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have recently paid on a closed account by the ( credit company ). I never closed the account. Today I received in interest charge of {$770.00} on an {$900.00} balance. The interest rate on the account is 26.99 %. After explaining the charge, they informed me that the promotion was over and I owed the extra XXXX XXXXXXXX! This is absolutely disgusting! How is it possible to have a negative balance on a closed account I used for XXXX charge. This company was a hired vendors payment method! This company, Synchrony, is used by many vendors as a credit option on their company sites. Unacceptable! PERIOD!

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 2026-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reel Time Capital LLC
State: LA

Complaint narrative:
On XX/XX/2026, at approximately XXXXXXXX XXXX I received a phone call from someone identifying herself as " XXXX XXXX '' at XXXX. Before calling me, she called my mother and disclosed information about an alleged debt. My mother then gave her my phone number. I did not authorize any third-party contact. XXXX XXXX claimed I owe approximately {$1500.00} on a payday loan originally from XXXX XXXX. The original loan was for {$700.00}. She said the company was " looking to pursue '' me. She asked me to acknowledge the debt. I told her I did not recall. When I called the number back at XXXXXXXX XXXX to request the company 's full legal name and mailing address, XXXX XXXX asked " why do you need the address? '' When I said I wanted to send a cease and desist letter, she said " you don't need to because we're not going to call you anymore '' and hung up on me. I then called XXXX XXXX directly. They confirmed the debt was charged off and sold to Real Time Capital LLC in XXXX, Florida, phone number XXXX. However, the phone number that called me ( XXXX ) does not match the number XXXX XXXX provided for Real Time Capital LLC ( XXXX ). I tried calling Real Time Capital 's official number but no one answered. The phone number XXXX has no records when searched online. This debt does not appear on my credit report. I believe this may violate the Fair Debt Collection Practices Act, including : Unauthorized third-party disclosure to my mother ( 15 U.S.C. XXXX ( b ) ) Possible false or misleading representations about the amount owed ( 15 U.S.C. XXXX ) Refusal to identify the debt collector when asked I am sending written dispute and cease contact demands via certified mail to both XXXX XXXX and Real Time Capital LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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:
On XX/XX/XXXX I contacted PayPal bc I saw I was charged on a day I took a ride {$120.00} and some change I sent the transaction id screenshots and proof to them w no avail.i reported it and theyve deleted the transaction but i still have all the screenshots. Horrible way to treat a loyal customer of 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander Bank did not comply with the R06 request. They have not responded with in the 10 business days allowed. They are not cooperating. XXXX large payment were sent due to fraud to checking account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Servicer refuses to provide payoff demand statement after multiple requests over a month. Need payoff amount to satisfy loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: NV

Complaint narrative:
This complaint follows CFPB Case XXXX, which Huntington marked as resolved. However, the underlying issue remains unresolved. Huntington holds the lien on my vehicle and was required to send the original Ohio certificate of title to the XXXX XXXX XXXX XXXX XXXX so the vehicle could be titled in Nevada. Huntington represented in its prior CFPB response that the title had been sent to Nevada XXXX in early XX/XX/year>. Nevada XXXX later informed me that the title submission contained errors and that a correction notice was mailed to Huntington on XX/XX/year> requesting that the deficiencies be corrected so the title transfer could proceed. Since learning of this notice, I have repeatedly attempted to obtain confirmation from Huntington that the correction request was received and that the required corrections have been completed. Despite multiple emails and follow-ups in XXXX and XX/XX/year>, the Huntington representative assigned to this matter has not provided confirmation or an update. Because the title transfer remains incomplete, the vehicle still can not be titled in Nevada. As a result, I am unable to refinance the loan with another lender, which continues to cause financial harm. I am requesting that Huntington confirm receipt of the Nevada XXXX correction notice and complete the corrections required to finalize the title transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Someone called me about where I would be to serve me legal documents that needed to be signed the lady gave me a # to a lawyer with a document # when I called a man told me I owed chase bank XXXX and I would be garnished XXXX a month if I fail to show up for court. I let him know I never had a chase financial credit card he gave me a credit card # to reference to chase which I did and they have no documentation of me in there system. The lawyer I called was XXXX and associates the # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
At this time I request the following items : 1 ) A copy of your bill sale of all collections your company claims it purchased from the original creditors. 2 ) A copy of your licensing agreement as a debt buyer with the XXXX. 3 ) Copies of all current collections. But if you do not have a bill of sale then all collections must cease and your information must be deleted from my credit bureaus. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have my car loan set up to make the full monthly payment on the due date, along with additional weekly payments of either {$50.00} or {$100.00} applied to principal only. However, there have been four instances where I specifically submitted a {$50.00} principal-only payment, but the payment was processed as a regular payment and interest was charged on the amount. I did not notice this issue immediately. When I brought it to their attention, I was informedon two separate occasionsthat the policy does not allow corrections for payments older than 60 days. During a call today, I was also told that this was likely user error. I respectfully disagree. I am diligent when submitting payments, and my account history clearly shows that I consistently make principal-only payments to reduce the life of my loan. There would be no reason for me to submit a regular payment and incur additional interest when my clear intent is to pay down principal faster. I am requesting that the following payments be corrected and applied as principal-only payments in the full amounts submitted : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I appreciate the review of this matter and ask that these payments be properly adjusted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NE

Complaint narrative:
Immediate Enforcement Requested FCRA 605B Violation by Aldous & Associates I am requesting immediate CFPB intervention regarding Aldous & Associates failure to comply with FCRA 605B ( 15 U.S.C. 1681c-2 ), the mandatory 4-business-day identity theft block requirement. On XX/XX/year>, I provided Aldous & Associates with a valid FTC Identity Theft Report, proof of identity, proof of address, and written identification of the fraudulent account. This satisfies all statutory requirements under 605B. Upon receipt of a valid Identity Theft Report, a furnisher or debt collector is required to : Block the reporting of the fraudulent account within 4 business days Cease collection activity The statute does NOT permit delay pending contact with the original creditor or an independent investigation. Instead of complying, Aldous & Associates responded that they would only reach out to the original creditor after receiving my FTC report and complaint. This is NOT permitted under federal law. The obligation to block is IMMEDIATE. Their continued reporting and/or collection of this fraudulent account constitutes noncompliance with the FCRA and is causing ongoing harm. Failure to comply with 605B may result in liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. I am requesting that the CFPB require Aldous & Associates to : Immediately block and permanently remove the fraudulent account from all consumer reporting agencies Cease all collection activity Provide written confirmation of compliance I have met all legal requirements. Aldous & Associates has not. I request prompt enforcement action. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Debt was from Comenity Bank ( XXXX XXXX ) I had a card it was stolen with my wallet someone purchased something I did not get and the debt was previously XXXX now it is back on credit.

Company response to consumer: Closed with non-monetary relief