vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
This rebuttal responds to Security Credit Services most recent statement regarding the disputed XXXX XXXX collection account. 

Security Credit Services now asserts that : The account was opened on XX/XX/XXXX The Date of First Delinquency is XX/XX/XXXX The account was received by Security Credit Services on XX/XX/XXXX However, this directly contradicts the information currently reported to the credit reporting agencies, which reflects the account as opened on or about XX/XX/XXXX and does not accurately disclose the Date of First Delinquency. 

This inconsistency alone establishes that the account is being reported inaccurately and in violation of the Fair Credit Reporting Act. A collection account may not be reported using a purchase or transfer date as an opened date, as this constitutes misleading and potentially re-aged reporting.

Additionally, Security Credit Services attempt to disclaim responsibility by stating that the credit bureaus are separate entities is legally irrelevant. Under 15 U.S.C. 1681s-2, furnishers are directly responsible for the accuracy and completeness of the information they provide to consumer reporting agencies.

Security Credit Services has therefore admitted to furnishing information that is : Internally inconsistent Materially misleading Not accurately reflected on the consumer credit report These actions constitute violations of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Inaccurate reporting 15 U.S.C. 1681s-2 ( a ) ( 5 ) Failure to properly report DOFD 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Continued reporting of inaccurate information 15 U.S.C. 1681c ( c ) Improper re-aging 15 U.S.C. 1681s-2 ( b ) Failure to correct inaccuracies after dispute Because the reporting is inaccurate and inconsistent, the FCRA requires deletion of this tradeline from all consumer reporting agencies. Continued reporting despite these discrepancies may constitute willful noncompliance.

I am requesting immediate deletion of this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to dispute inaccurate, misleading, and unverified credit reporting by XXXX XXXXXXXX XXXX on my XXXX credit report dated XX/XX/year>. 

XXXX XXXXXXXX XXXX is reporting multiple charged-off credit card accounts with balances that exceed the original credit limits, including reported utilization rates above 100 %. These balances appear inflated and are not supported by clear accounting, itemized statements, or lawful documentation showing how the amounts were calculated after charge-off. 

Additionally, XXXX XXXX continues to report repetitive monthly charge-off notations, which creates the appearance of ongoing delinquency and constitutes improper re-aging. The accounts also reflect extended and overlapping delinquency timelines without evidence of new activity or legal basis to continue furnishing fresh derogatory data. 

I have previously disputed these accounts, yet XXXX XXXX failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). No documentation has been provided to verify the accuracy of the balances, the charge-off amounts, or XXXX XXXX authority to continue reporting these accounts in their current form.

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 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
This has been months now, but I called in XXXX of last year. I wanted to make my standard monthly payment. They said I couldn't cause I owed. They told me I owed {$800.00} plus. There was a point in XXXX  where I just got done settling on a payment plan with them and I didn't know where to pay them during the time because there was lack of communication with my lawyers, too just a heads up.The person on the phone was trying to tell me I have multiple missed payments. I was trying to prove that I paid for my monthly payments of {$100.00}. This frustrated me cause I already paid other bills and rent. Nobody that I talked to on the phone mentioned any previous missed payments, so I was shocked to hear that. I would like to get out of XXXX and XXXX, and move to a different company. I do not feel comfortable paying them, especially since they told me I can only do money orders or pay by check. I don't like doing that, I prefer over credit card. Again, the company I am referring to is XXXX and XXXX. What's crazy is that they said they cut communication with me, yet I never wanted that. They did that just because I had missed payments. That to me is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX I requested my loans be put in forbearance due to netting a negative income. I was told all of my loans went into forbearance. As of XX/XX/XXXX, it says my loans are 9 days past due. I called for an explanation, and was told they could do nothing for me, the loans cant be in forbearance, even though I was told they were. I have $ XXXX to my name and no way to pay them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XX/XX/year> XXXX  -company advertising on XXXX XXXX 
On XXXX XXXX I ordered a hair product from XXXX. Exhibit 1.charge card XXXX. I received and email stating it will be arriving soon, Exhibit 2. It didn't arrive as I waited. I sent an email as to the status to customer service, and got a response Exhibit 3. The item was returned but not by me. I emailed them again stating a possible mix-up. I offered to pay return shipping expense and re-ship item. Response Exhibit 4. On XXXX response Exhibit 5. It was further stated that they would not ship me the product and would not give me a refund.?

Additional Exhibit information : Return policy Exhibits 6, XXXX XXXX  XXXX XXXX information Exhibit 7 Shipping policy Exhibit 8 XXXX 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 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Against : PHH Mortgage Services ( and prior servicers XXXX and XXXX XXXX. 

For more than 10 years, the servicers on my mortgage accepted and retained my payments while repeatedly telling the courts that no payments were ever received. 
This foreclosure began with a XXXX complaint alleging that I never made XXXX payments required under a written XX/XX/XXXX loan modification. That allegation is false. Those exact XXXX payments were made and accepted, but were not credited to the loan. 
From XXXX through XXXX, I was in multiple confirmed bankruptcies. During those cases, bankruptcy trustee disbursed tens of thousands of dollars on this mortgage. The servicers accepted and kept those funds, yet continued to represent to the courts that no payments were received, including statements made in XX/XX/XXXX that no money was paid through bankruptcy. 
Payments were placed into suspense accounts or left unapplied, inflating arrears and supporting a foreclosure based entirely on false nonpayment. 
If no payments were received, bankruptcy trustee disbursements could not exist, they do exist, and the money was not returned. I also received a {$400.00} payment through the Independent Foreclosure Review, confirming servicing errors on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Date : XX/XX/year> Amount : {$1000.00} On XX/XX/year>, I initiated an international wire transfer through Bank of America to my mothers bank account in XXXX XXXX. Bank of America has confirmed that the funds are being held by its internal compliance department. Despite multiple calls, I have not received a written explanation for the hold, a request for additional documentation, or an expected resolution timeline. The continued delay is causing financial hardship. 

On XX/XX/year>, I contacted Bank of America and provided the recipients information, including date of birth, citizenship, and profession. I subsequently received a follow-up call from Bank of America XXXX XX/XX/year>, during which I provided the same information again. Despite complying with these requests, the funds remain on hold without further communication. I am requesting the immediate release of the funds or prompt return of the full amount, along with a written explanation for the compliance hold.

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 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to National Credit Adjusters. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that National Credit Adjusters is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : 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 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: DE

Complaint narrative:
Good morning. Over and over Ive tried to dispute the claim. There has been no response at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I opened a savings account with a new bank, on XX/XX/XXXX and transferred {$1000.00} from XXXX XXXX  into the account that day. The {$1000.00} showed up in the new account on XX/XX/XXXX. On XX/XX/XXXX I transferred another {$20000.00} into the new acccount from XXXX XXXX. It showed up on XX/XX/XXXX. All of this was fine. I realized I needed some of that money back and tried to transfer {$5000.00} back ( not 100 % sure of the amount, but it was not the full amount of the account ). It was rejected.I tried to contact the new Bank and they said it would take 3-5 business days to get back to me. In the meantime I decided to connect a third Bank for outgoing transfers ( XXXX XXXX ) who sent small amounts into and out of the new bank. They sent {$0.00} and {$0.00} in and {$0.00} out. The new bank wouldn't even show this to me, although it shows now. I tried calling the new bank again, and again they said they would get back to me in 3-5 business days... not with an answer, just to speak to someone who would look into it. They finally called me back at after XXXX XXXX on Saturday evening ( why if everything is 'business days ' did they call me back on a Saturday evening? I took the call and all they said was that they had 90 days to review this and that I should call back after XX/XX/XXXX. I said that they were holding my funds hostage for 90 days and they just said I'd need to call back after XX/XX/XXXX. I do not want to do business with them anymore! I want my funds back and I do not want them to send me a check because they will take forever doing that and I do not trust them anymore. I have ACH set up and I want them to ACH my funds back to me!

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 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Day XXXX of this year, made a transaction, an unauthorized person using my stolen card, my identifications stolen, directly at the window, for the amount of {$900.00} dollars, without any type of compatibility in my data, my photograph was not the same, my signature was not the same, my alert, of theft, was ignored, the cash was delivered without any type of personal verification of the cashier or person in charge at the branch XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Company name : PayPal Product : Money transfer / digital wallet Issue : Funds not released/ account closed Amount : {$800.00} XXXX Complaint narrative ( paste this verbatim ) PayPal permanently deactivated my business account and is holding {$800.00} of my funds. I do not have a negative balance and do not owe PayPal any money. 
PayPal states the funds are being held for up to XXXX days for potential chargebacks, but has not provided a specific explanation of what activity was unsupported, nor individualized justification for withholding my funds when no debt exists. 
This hold is not related to any linked or third-party account. My account is separate and independent. 
I am requesting : Written identification of the specific activity cited as unsupported Written legal basis for withholding funds when no debt is owed Confirmation of the conditions and date for release of the {$800.00} Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
RUSHMORE SERVICING REFUSES TO MAIL ME PAPER COPIES OF MY MORTGAGE STATEMENTS FOR XXXX YEARS, DESPITE SEVERAL REQUESTS, VIOLATING FEDERAL BANKING RULES. I HAVE BEEN PAYING MY ACCOUNT ON TIME, NEVER LATE FOR SEVERAL YEARS, AND DEMAND COPIES FOR MY RECORDS BY MAIL ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I did a deep research on the Citi AA credit card. I found public shared information about the terms and conditions, also the rewards program and bonuses. I also found the same information privately thru the citi App on my phone ( I have a CC with them so have access to it ). A little over a week after applying for the AA citi card I've got a notification via email & App that my new CC was linked to my existing profile. When I logged in to check the details, the advertised bonus miles that I should get did not match. I should've got a XXXX miles bonus into my XXXX XXXX frequent flyer account but the XXXX stays clearly that I will get only XXXX miles.as a bonus after I complete some purchases in the next XXXX months. I didn't sign up for this, I signed up for the publicly advertised XXXX bonus. So, I reached out XXXX days ago via chat thru the App, that didnt resolve anything, XXXX asked me if I could email screenshoots that showed XXXX bonus miles instead of XXXX, lead to no resolution. So, I called citi bank ... After speaking to XXXX Reps in XXXX different departments, here is the outcome. First XXXX Said I dont have access to your application or AA acount so let me transfer you - Next Rep I think it was an American Adv. liason, he had access to my flights an mile status he said : this makes no sense, you should get XXXX miles, when you call my line at the end that's what I pitch if you XXXX not have this CC. you need to talk to the bank, let me transfer you. The next rep confirmed that the XXXX right and I will get XXXX not XXXX. Told me to check w/the Application dep. I've got transferred there. This rep just told me that some people get XXXX, some get XXXX I was going to get XXXX miles. I told him I just want what I signed for what it advertised thru multiple public media outlets, what my citi App showed me XXXX! He didn't help so I closed the account and asked for his supervisor. The supervisor convinced me to re-open the account and send an email with the screenshoots that I have. But the other lady didn't do anything either. This is a pretty straightforward False Advertisement. Please help. Thank you.

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 2026-01-05 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: CT

Complaint narrative:
I am a XXXX XXXX XXXX XXXX and have an official FTC Identity Theft Report ( attached ). This complaint is filed because Capital One has incorrectly closed and/or restricted two of my legitimate, long-standing accounts during an automated fraud sweep. 
CRITICAL CORRECTION : I NEVER reported my legitimate accounts as fraud. My FTC Report explicitly lists ONLY accounts opened in XX/XX/XXXX as fraudulent. These Capital One accounts are 100 % legitimate and were opened by me : 1. Account # XXXX ( Opened XXXX ) : status restricted. This account has a {$3800.00} balance at a 0 % promotional interest rate. Capital Ones error in closing this account is jeopardizing my 0 % APR, which constitutes a direct financial loss. 
2. Account # XXXX ( Opened XX/XX/XXXX ) : This account has been completely removed/deleted from my mobile app view in error, erasing my valid credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft from the XXXX XXXX data breach, please remove all negative items from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Portfolio Recovery Associates. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that Portfolio Recovery Associates is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief