vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a charged-off auto loan reported by Santander Consumer USA . 

Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge-Off Date : XXXX Balance Reported : {$5500.00} Remark : Unpaid balance reported as a loss by the credit grantor. 

1099-C Requirement Under 26 U.S.C. 6050P and Treasury Regulation 1.6050P-1, a creditor must file and furnish a Form 1099-C when a debt exceeding {$600.00} is canceled or discharged due to an identifiable event. 

Santander has reported this account as a loss. If the debt was written off and abandoned, a 1099-C should have been issued.

I have not received a 1099-C. 

Inaccurate / Misleading Reporting A creditor can not : Report a debt as a loss Treat it as uncollectible for accounting purposes Continue reporting it as an enforceable obligation Such conduct violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( b ) Demand I demand that Santander Consumer USA : Delete this tradeline from all consumer reporting agencies immediately. 

This complaint is submitted to the CFPB for enforcement review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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 RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 2026-02-12 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: Rocket Mortgage, LLC
State: MD

Complaint narrative:
XXXX XXXX  locked out of account to make payments, access tax documents, etc. attempted to reset and continuous loop of not recognizing me by the prompts requested, SS #, account # XXXX not recognized. Emailed to customer services, live chats yield robotic nonsense, phone calls are all AI with a bot that does not acknowledge or can not get in because the system doesn't recognize by prompted information, SS #, account #. Still get email reminders to make a payment, can not make a payment because system doesn't recognize me, it is a Catch 22 and I am not comfortable sending a payment to a system that does not recognize my account number. XXXX time XXXX tried to call me and I was put on hold for XXXX minutes and when the over seas rep asked me my name, address then the call was disconnected or dropped and no one called back. I have emailed, reached on on live chats. There is a facebook page with several XXXX complaints similar in nature to my angst. This is going to lower credit scores, be opportunity for fraud of sending payments to a fraudster, to not getting payment posted correctly, to not being able to access my tax documents to file my taxes, to erroneous late fees, to absolute absurd manner to conduct business. There is not even a courtesy email or hard copy indicating Rocket Mortgage acknowledges the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: Aqua Finance, Inc.
State: DE

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a charged-off account being reported by XXXX XXXX XXXX with the following details : Account Number : XXXX * * * * ( XXXX  shows XXXX * * * * ) Date Opened : XXXX/2022 Account Status : Closed / Charge-off Balance Reported : {$7000.00} Payment Status / Remark : Charged off as bad debt Bureaus Reporting : XXXX, XXXX, XXXX  Failure to Issue Required 1099-C  ( Cancellation of Debt ) AQUA FINANCE INC is reporting this account as a charge-off with a balance over {$600.00}. Under 26 U.S.C. 6050P and Treasury Regulation 1.6050P-1, a creditor must file and furnish IRS Form 1099-C when a debt of {$600.00} or more is canceled or discharged due to an identifiable event. 

Despite the charged-off status, I have not received a Form 1099-C, nor any written explanation clarifying whether this debt has been canceled, abandoned, or remains legally collectible. 

A creditor can not lawfully maintain reporting that is materially misleading about the legal status of the obligation ( owed vs. canceled ). 

FCRA Violations Inaccurate or Misleading Furnishing Continued reporting without clarification and verification of the debts legal status violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ) prohibiting inaccurate or misleading furnishing 15 U.S.C. 1681s-2 ( b ) requiring a reasonable investigation upon dispute and correction of inaccurate/incomplete information Demand for Relief I demand that AQUA FINANCE INC : Provide a copy of the Form 1099-C issued for this debt, Provide written confirmation that no cancellation-of-debt event occurred, including the legal basis for continued reporting, Delete this tradeline from all consumer reporting agencies immediately This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for review and enforcement XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: DE

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, I contacted Sallie Mae to resolve a pending delinquency reporting error. I provided official, signed enrollment verification from XXXX University XXXX XXXX XXXX, XXXX XXXX XXXX, confirming my status as a XXXX XXXX  student. 

Despite having this proof in the portal, Agent XXXX ( ID : XXXX ) ( XX/XX/XXXX ) and Supervisor XXXX ( ID : XXXX ) ( XX/XX/XXXX ) refused to apply a 30-day Administrative Forbearance to bridge the gap until the schools automated files refresh in XXXX. I also provided a detailed class schedule to Agent XXXX ( ID : XXXX ) on XX/XX/XXXX to supplement the Chair 's letter. 

Supervisor XXXX ( ID : XXXX ) confirmed on XX/XX/XXXX that my case was being sent to a " back office '' for review, but refused to apply an immediate status bridge or a " Consumer Dispute '' flag to the account. This leaves my credit and my co-signers credit exposed to inaccurate 60-day delinquency reporting while the companys own review is pending. 

I am formally disputing the current account status under the Fair Credit Reporting Act ( FCRA ). Sallie Mae is in possession of verified student enrollment data that contradicts the " delinquent '' status they are threatening to report. 

I am providing this notice as a prospective XXXX  student whose graduate funding and 'Character and Fitness ' standing rely on the accuracy of my credit profile. I am requesting that Sallie Mae fulfill its duty of care by accurately reflecting my student status before the XXXX reporting deadline. 

Note : This dispute applies to all three of my loans under this master account ( Loans ending in XXXX, XXXX, and XXXX ). ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/year> I opened a new PayPal business account in my name and social security number. This is the first PayPal account I have ever opened in my name. 

I acquired and fully served XXXX clients during this time for a total sales volume of {$5200.00}. 

On XX/XX/year> I was informed by PayPal that my account was permanently deactivated and the {$3500.00} in my account was unavaliable/being held. There was no way to contact anyone or dispute this. Just 100 % locked out of my account and money frozen " pending review ''. The reason given was " Based on the information we have today, this account was linked to another PayPal account with unresolved issues. '' However, I have never been more than an authorized user on a PayPal account, this is the first time I have ever opened XXXX in my own name. An authorized user is not the legal account holder and does not assume liability for the primary account holders actions so I do not see how this is in any way legal. 

I now have no way to contact PayPal and they are holding over {$3500.00} with no notice, explanation, or way to resolve this directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I recently discovered several accounts and inquiries opened in my name without my consent. I filed an identity theft report with FTC. Report is attached. Please remove and block these accounts immediately. 

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 2026-02-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
Complaint Against First Merchants Bank XXXX XXXX XXXX and XXXX  XXXX XXXX Loan I am submitting this complaint regarding First Merchants Bank and concerns about payoff-related fees, appraisal charges, and ongoing customer service issues affecting my commercial banking relationship. 

I have been a business customer of First Merchants Bank for several years, including loans associated with XXXX XXXX XXXX and XXXX XXXX XXXX. During this time, there has been repeated turnover among relationship bankers, including extended periods where no relationship banker was assigned to my account. When new bankers were assigned, they often did not introduce themselves or establish communication. As a result, I frequently had difficulty obtaining assistance and had to repeatedly search for someone within the bank to address account and loan questions. 

More concerning are the fees being charged in connection with the payoff of the XXXX XXXX loan. The bank is attempting to charge more than {$3500.00} in payoff-related and other fees that were not clearly disclosed or explained in advance. I have previously identified billing errors that required refunds after I questioned the charges, which has reduced my confidence in the banks billing practices. 

I am particularly concerned about appraisal-related fees that were charged without my authorization or clear explanation. To my knowledge, no interior inspection of the property was performed, yet appraisal fees were still assessed. I am requesting confirmation of what appraisal services were actually performed, when they were authorized, and how these charges were calculated. 

I escalated these concerns to a senior officer at the bank, who acknowledged that the situation did not appear fair. However, no resolution was provided, and the bank continues to pursue collection of these disputed fees. 

I respectfully request that the regulator review this matter, ensure that all fees were properly disclosed and authorized, and confirm that the bank followed appropriate procedures. 

Requested Resolution : * A detailed, itemized explanation of all payoff and appraisal-related fees * Verification that any appraisal services billed were properly authorized and completed * Removal or refund of any fees that were not properly disclosed or approved * Clear separation of obligations between the XXXX XXXX  XXXX XXXX and the XXXX XXXX XXXXXXXX XXXX XXXX Review of the banks communication and relationship-management practices Thank you for your review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Regarding Complain ID XXXX : After filing my claim, Chase has sent out an email to customers warning them of the exact scam I was a victim of. Using the information I provided in detail, yet I have not had any funds returned to my account. This is admittance of fault and is class action. 
on XX/XX/year> I spoke to XXXX in the Branch complaint escalation department and she admitted that they knew about this scam going on of impersonation, I asked if our conversation was being recorded and she said " yes ''. If I had been made aware of this scam in an email before or at the branch this would have never happened. {$15000.00} is life changing for our family and no accountability is being taken by Chase to return any of the funds even after admitting fault. They now decide to make their clients aware of the scam and protect their brand and company but not help me their long time client.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My account was closed with no warning on XXXX. My tax refund from the state was deposited, balance showed, overdraft was taken out, and was unable to access funds. I never received anything from pnc claiming my bank account was closing and they are unable to locate my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I recently discovered a debt collection was fraudulently open with Caine & Weiner under my name. I filed an identity theft report with FTC. Report is attached. 
Account was opened on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: CLGF Holdco 1, LLC
State: DE

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a charged-off account being reported by XXXX Raymour & Flanigan with the following details : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2022 Account Status : Closed / Charge-off Balance Reported : {$1000.00} Remark : Charged off as bad debt Bureaus Reporting XXXX XXXX XXXX XXXX  Failure to Issue Required 1099-C This charge-off exceeds {$600.00}. Under 26 U.S.C. 6050P and Treasury Regulation 1.6050P-1, creditors must furnish IRS Form 1099-C when a debt of {$600.00} or more is canceled or discharged due to an identifiable event.

I have not received a 1099-C and the creditor has not clarified whether the debt has been canceled, abandoned, or remains legally collectible.

FCRA Violations Continued reporting without proper clarification and verification violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( b ) Demand for Relief I demand thaXXXX XXXX Raymour & Flanigan : Delete this tradeline from all consumer reporting agencies immediately This complaint is submitted to the CFPB for review and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I recently discovered a debt collection with credit collection services and creditor XXXX XXXX Co was fraudulently open under my name. I filed an identity theft report with FTC. Report is attached. 
Card was opened on XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
CFPB Complaint Draft Self Financial / Self Credit Builder Company Name Self Financial , Inc. ( Self Credit Builder / Self XXXX Credit Card ) Bank involved : Lead Bank Product Credit card ( secured credit card / credit builder product ) Issue Type Charged for a product not provided Refund or money not received Billing dispute Problems with application or denial Complaint Description I am submitting this complaint regarding a {$200.00} security deposit taken by Self Financial , Inc. in connection with a Self XXXX  secured credit card application that was ultimately denied. 

On XX/XX/2026, Self Financial processed and charged my debit card {$200.00} as a security deposit for a Self XXXX credit card. I later received an email confirmation from Self stating that the payment has now been processed. The transaction posted to my bank account on XX/XX/2026. 

However, I then received an adverse action/denial notice dated XX/XX/2026, stating that my application was denied because the Security Deposit funding source failed processing. This denial reason directly contradicts Selfs own confirmation that the payment was successfully processed and the fact that the funds were withdrawn from my account.

Because the card was denied and no credit product was provided, I contacted my bank and filed a dispute. I also contacted Self Financial. A representative cancelled my account and informed me that it would take up to 30 days to recover my {$200.00}, even though the application was denied, no credit product was provided, and the security deposit had already been taken.

Holding my money for up to 30 days after denying the application is unreasonable and inappropriate. If the funding truly failed, the charge should never have been processed. If the
charge processed, the denial reason is inaccurate.

Desired Resolution Immediate refund of the {$200.00} security deposit Written explanation for the contradictory denial and payment processing Correction of internal records related to this transaction Assurance that funds are not retained after denied applications Supporting Documentation Available Bank transaction showing {$200.00} debit to SELF LENDER XXXX Email confirmation stating payment was processed Adverse action/denial notice dated XX/XX/2026 Record of account cancellation and refund delay explanation Additional Notes This complaint concerns the retention of funds after denial and conflicting explanations, not the credit approval decision itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I received a vehicle with the odometer reset the original mileage prior to my purchase was XXXX miles when I purchased the vehicle it was XXXX miles. The only offer that Ive received from the car lot is to trade the vehicle in I sent over an email requesting to reverse the loan and give them the vehicle go back. There has not been a response. The car lot is XXXX XXXX XXXX XXXX, Alabama. I was made aware of issue in XX/XX/year> when I took to trade in at a different dealership. I was advised from multiple sales reps from XXXX XXXX I was in a loosing battle.

Company response to consumer: Closed with explanation