vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I am submitting a complaint regarding National Credit Systems XXXX XXXX for improper debt collection and inaccurate credit reporting. 

On XX/XX/year> I received an initial collection notice from National Credit Systems regarding an alleged rental debt ( Account # XXXX ). Within the required timeframe, I disputed the debt in writing and requested validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

National Credit Systems failed to provide any validation/documentation, merely a letter on XX/XX/XXXX stating I " have not made a suitable arrangement to resolve the above-referenced debt ''. Despite this unresolved dispute and lack of validation, the company subsequently reported the alleged debt to XXXX or more consumer reporting agencies, causing a severe and unjustified drop in my credit score. 

I sent a return receipt letter ( XXXX of attached ) again requesting validation, and never received a reply. Reporting a debt while it is under active dispute and without providing validation constitutes a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and improper furnishing of information under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

I have made multiple good-faith efforts to resolve this matter in writing. National Credit Systems has not acknowledged my dispute, has not provided validation, and has continued collection activity through credit reporting. 

I am requesting that National Credit Systems : Immediately delete the collection tradeline from all consumer reporting agencies ; Cease all collection activity until proper validation is provided ; and Provide written confirmation of compliance. 

Attached are copies of my dispute letters and supporting documentation demonstrating National Credit Systems failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
ECMC is falsely reporting on my credit. I have never had any accounts with them. Per my research ECMC 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 XXXX - XXXX 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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Product : Money transfer, virtual currency, or money service Sub-product : Mobile or digital wallet ( XXXX  ) Company Name : PayPal Holdings , Inc. ( XXXX  ) Description of Complaint : I am filing this complaint against XXXX  ( PayPal Holdings , Inc. ) regarding their failure to investigate a fraudulent transaction and protect me as a consumer. 

On XX/XX/XXXX, [ Insert Year ], I was the victim of a scam where I sent {$300.00} to a user named XXXX XXXX. This payment was made under the specific agreement that it was for the purchase of goods ( a food commissary box for an XXXX  ). The goods were never delivered, and it has been confirmed that the recipient misrepresented the transaction to defraud me. 

I have attempted to resolve this through XXXX  's internal dispute process, but they have failed to provide a resolution or adequately review my evidence. 

Goods Not Received : I paid for specific goods that were not provided. 

Evidence Provided : I have uploaded clear documentation to XXXX  proving that I do not know the recipient and that the transaction was based on false pretenses. 

Lack of Support : Despite the transaction being a clear case of " Goods and Services '' misrepresentation, XXXX  has not returned my funds and has been unresponsive to my follow-up attempts. 

I paid using my XXXX  Balance, and XXXX  is refusing to offer the same fraud protection that they would if I had used a bank card. I am requesting that the CFPB intervene to compel Venmo to review the evidence of fraud I have submitted and refund the {$300.00} stolen from me. 

Desired Resolution : I am seeking a full refund of the {$300.00} to my XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: VA

Complaint narrative:
Issue : Improper Loan Modification Denial / Failure to Consider Retention Options I am submitting this complaint regarding my mortgage servicers denial of my loan modification application dated XX/XX/year>. I am seeking home retention, not foreclosure alternatives. 

My loan modification was denied on the basis of a post-modification XXXX calculation while I am temporarily unemployed as a former civilian ( due to the XXXX administration XXXX XXXX  and a statement that the investor is not participating. The servicer failed to explain what investor guidelines were applied, whether a Net Present Value ( NPV ) test was conducted, or whether hardship-based exceptions were considered. 

The servicer offered Deed in Lieu of Foreclosure and Pre-Foreclosure Sale while denying retention options, despite investor guidelines generally prioritizing home retention when foreclosure alternatives are less favorable. 

I am working with a HUD counselor ( XXXX XXXX XXXX ) who has the lack of funding to bring my default loan current ; leaving me solely reliant on the servicers compliance with loss-mitigation obligations. 

I am requesting : A full re-evaluation of my application under all applicable investor guidelines Written disclosure of the investor governing my loan Disclosure of any NPV calculation used Confirmation that all retention options were considered A temporary foreclosure hold while my appeal is reviewed I believe the denial was procedurally deficient and I have requested corrective action via an appeal to the loss mitigation department via email @ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: OH

Complaint narrative:
I had 3 separate capital one accounts. One of my accounts had 2 returned payments within a few days of each other. They closed all 3 of my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Repo service picked up my car in a Gated area. They sneaked in through other people key card into the apartment complex! Now i paid my dues and they told me they sent a release letter to the vendor and the vendor needs me to make an appointment, which I tried to make appointment today but they dont have any!?! IM JUST PICKING UP A XXXX  CAR! ITS NOT MECHANIC PLACE! IM NOT FIXING MY WITH YOU TK MAKE AN APPOINTMENT. How is this legal? When I paid for my car already and became upto date on everything and you tell me you released it but I cant pick my car until monday!?! You have 24hrs repo service but when I call you to pick my car during business hrs Repo service ( XXXX XXXX XXXX ) has appointments, how many cars have you repoed illegally for you guys to have appointment. Coming into a gated area without proper code and sneaking behind someone else was illegal! I PAID MY DUES I WANT MY CAR BACK TODAY! Now I have to uber back and for my job over the weekend!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On a letter dated XX/XX/XXXX, Bank of America denied my credit application and listed the reason as past due account ( s ). On XX/XX/XXXX, I pulled all three credit reports ( XXXX, XXXX, and XXXX  ), and none of them show any pastdue accounts with Bank of America or any other creditor. The only Bank of America tradeline appears as discharged in my XXXX XXXX  XXXX bankruptcy with a XXXX balance, which is accurate. 
When I called underwriting on XX/XX/XXXX, the representative stated that even though it was discharged, that means you still owe money, which is legally incorrect. A discharged debt is not owed, and none of my credit reports show any delinquency or pastdue status.

I am requesting that Bank of America correct the inaccurate adverse action reason, review the application based on accurate information, and ensure their underwriting staff is not misinterpreting discharged debts as pastdue accounts or attempting to collect discharged debt.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint details ( CFPB ) Company : Bank of America Product : Checking / Business Checking Account Issue : Funds not credited / Processing delays/ Poor customer service Complaint : I am filing a formal complaint against Bank of America regarding unresolved processing delays and missing funds related to my account. 
On XX/XX/year>, I processed multiple transactions totaling approximately {$1600.00}. These transactions were successfully completed on the merchant side ; however, the funds have not been credited to my account. 
As of today, the transactions have been pending for several days, which is not consistent with normal processing timelines. I have contacted Bank of America customer support multiple times. Each time, I was told that the issue is being worked on, but no resolution, explanation, or timeframe has been provided. 
This situation is negatively affecting my ability to operate my business, meet financial obligations, and manage cash flow. The lack of transparency and ineffective customer support is unacceptable for a federally regulated financial institution. 
I am requesting : Immediate crediting of the missing funds A clear explanation of why the delay occurred Assurance that this issue will not continue to happen Bank of America has failed to resolve this issue despite multiple attempts on my part. I am requesting CFPB assistance to ensure proper handling and timely resolution.

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 2026-01-23 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: CA

Complaint narrative:
On XX/XX/XXXX, my PayPal account had unauthorized transactions to a merchant called XXXX XXXX in XXXX  currency. I did not authorize or recognize this merchant, and I did not make these purchases. 

The unauthorized activity includes : Payment to XXXX XXXX for XXXX XXXX  ( Completed ) at approximately XXXX XXXX  on XX/XX/XXXX Payment to XXXX XXXX  for XXXX XXXX ( Completed ) at approximately XXXX XXXX  on XX/XX/XXXX There was also an Authorization to XXXX XXXX for XXXX XXXX  around XXXX XXXX  on XX/XX/XXXX that shows as Canceled. 

I reported these transactions to PayPal as unauthorized and requested an investigation and reversal. However, PayPal denied my claim and did not provide sufficient evidence or a clear explanation for the decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I sent out an amount of {$2500.00} to the XXXX XXXX XXXXXXXX to a beneficiary. I got a confirmation and thought less of it. The beneficiary did contact me back saying that they did not receive the money. I was shocked. I called the bank and they said that due to protocol issues my money was detained at the Bank and that they needed to verify some information ; which at the time I didnt know that I needed to do. So since I didnt have that information I asked them for them to ask the bank to return my funds. Keep in mind I called at the end of XXXX. They said it would take a week but they would send a swift over. Still no answer. So I just called ( XXXX ) and still no funds back in my account. I asked for escalation. My bank is saying that it takes time for them to communicate. But it more than 55 days. Everything seems vague.

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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Skopos Financial, LLC
State: TN

Complaint narrative:
Call was reposted months after requesting it be taken back finally was taken never changed what I owe car was taken and.resold by lenders or.car lot I dont owe the amount its hitting on my credit and its now over XXXX  years like most bad marks.on my credit that should roll off by law these practices are illegal to hold on continue to report on my credit I have not.been contacted in years just ignored and when I report complaints to the XXXX credit organizations they dont remove it or make them change them at all this about.my complete report of credit.some.of.my paid.debits have not.moved

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 2026-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Climb Credit Inc.
State: PA

Complaint narrative:
Ive been out of a job unable to repay and I am now currently XXXX. A collection agency now has my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: MO

Complaint narrative:
XX/XX/XXXX I had money from my debit card taken out of my account and I called and let them know I also turned it into the police I needed a bank statement from them. They never sent it to me until 2 months later. Which XXXX  XXXX doesn't have camera 's on their ATM. So i had no proof of that money taken.except calling them and they said XXXX $ had been taken offXXXX XXXX  had said showed where a man had taken money off my account. I had gotten XXXX $ out of my account and the rest someone else stole. They said they would not return my money because conflict of interest.so what does that mean. A man had been arrested for it. So now, why would they not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have been receiving emails from a company called XXXX saying I owe {$1100.00} to Affirm for a purchase at XXXX XXXX. I have no knowledge of this account. This loan was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer name : XXXX XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$460.00} and another personal account opened at XXXX opened XX/XX/XXXX under account number XXXX with a balance of {$1000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognise the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 non-monetary relief