vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: TX

Complaint narrative:
DEPTEDNENET sent two accounts to my credit for {$2000.00} and {$3500.00}. They said the accounts were opened XX/XX/XXXX. The accounts were disputed due to them being fraudulent and I had no idea they existed and were removed from my credit report in XXXX. They then reopened the accounts again in XXXX and affected my credit again. I am working with the school and police department to escalate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$990.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1200.00} Inquiries ( No inquiries listed for TransUnion. ) Late Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
In 2024, while my cellphone was stolen and out of my possession, an unauthorized transaction in the amount of {$5900.00} was posted to my Apple Card account. I did not authorize this charge and did not benefit from this transaction. This was identity theft. 
Immediately after discovering the charge, I contacted Apple Card/Goldman Sachs to report the fraud and initiated a dispute. I also filed an identity theft report and submitted all requested documentation. 

Timeline : 2024 Unauthorized {$5900.00} charge appears while my phone was stolen. 
2024 I reported the fraud to Apple Card and opened a dispute. 
2024 I submitted identity theft documentation as requested. 
After investigation, the company temporarily credited the charge. 
The charge was later reinstated after the company stated the merchant confirmed the transaction. 
I formally requested copies of the merchant evidence used to justify their decision, including a signed receipt, proof of card-present authorization or device authentication, IP address logs, shipping confirmation details, and transaction verification records. 
The company did not provide sufficient documentation supporting their determination and continued to hold me liable. 

Despite my repeated efforts over many months to resolve this matter, Goldman Sachs has failed to provide clear evidence that I authorized this transaction. Instead, they have repeatedly reinstated the charge without transparency. 
This matter has been ongoing for nearly a year, causing financial stress and concern about potential credit damage. 

I am requesting : A full and proper reinvestigation under the Fair Credit Billing Act. 
Complete disclosure of the merchant evidence relied upon in their determination. 
Permanent removal of the {$5900.00} fraudulent charge. 
Written confirmation that my credit reporting will not be negatively impacted. 

This charge was unauthorized and occurred as a result of identity theft. I should not be held financially responsible for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: FL

Complaint narrative:
AVANTE is falsely reporting on my credit. I have never had any accounts with them. Per my research AVANTE 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 2026-02-11 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: CA

Complaint narrative:
Please assess the documents attached ; the questions arrived without notice and could be unauthorized.

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 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Exto Inc.
State: CA

Complaint narrative:
This company restricted my account that I was using to get food and go to my doctor appointments. They restricted it on Saturday and I was left with no money and I still am left with no money continuously. They wont release my deposit, caused me to miss my important doctor appointments because I use XXXX to get around due to not being able XXXX XXXX. They also prevented me from getting my groceries that I need as I am running out of food in my home. They also are holding my deposit against my will after requesting it they refuse to release my money, my account, and the only thing they say to me is we are working on it we havent forgot about you, thank you for your patience

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
Select Portfolio Servicing has called many, many times. Sometimes left voice messages, sometimes not. I do not have any debt with them but I still refuse to answer the call. My issue is not that they are mistakenly calling me but that they are using the tactic of " neighbor spoofing '' when calling me. The numbers always change but always with an area code of XXXX ( same as my phone 's area code ). Some numbers they've used : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Only one time did they call me from XXXX of their official XXXX numbers ( XXXX XXXX, 2026, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: National Debt Holdings, LLC
State: FL

Complaint narrative:
The account was opened fraudulently, Im a victim of identity theft and the company is jarring me with call and texts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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 non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Made purchase for XXXX at " XXXX XXXX XXXX XXXX '' on XX/XX/XXXX, which is part of the " XXXX XXXX XXXX '' for a XXXX dining credit that is given Bi annually for the account. 

Did not receive the account credit for the purchase, contacted Chase via secure message regarding the issue on XX/XX/XXXX. Received back and forth correspondence and was told to wait for two billing cycles. After the second billing cycle closed, contacted Chase again via secure messenger on XX/XX/XXXX. Was told I would receive a response within 5 business days. Received no such response from Chase. Contacted Chase on XX/XX/XXXX via phone. Was transferred to Executive office in Texas and spoke with XXXX. XXXX was uninformed about my issue, and I advised her I would file CFPB complaint due to Chase failing to respond within their promised timeframe. XXXX advised she would notate my information and await my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2026, I contacted ProCollect regarding a collection account with an approximate balance of {$250.00}. My intent was to resolve the account promptly and in good faith. 

During multiple telephone calls in early XX/XX/year>, I requested an escalation to a supervisor and sought written clarification of ProCollects credit-reporting and deletion policy regarding settlement. I offered to remit payment in full contingent upon written confirmation that ProCollect would request deletion of the tradeline from XXXX XXXX and XXXX upon receipt of payment. 

I was not disputing the validity of the account. My request was limited to clarification of reporting practices and the terms under which ProCollect reports settled accounts to the credit bureaus. 

I sent XXXX emails, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX, to XXXX different email addresses. After my second written request for clarification, I received a response stating : Denied. Your balance is due in full. We dont delete. No written explanation of the companys official policy, regulatory basis, or reporting procedures was provided. I was also unable to obtain escalation for supervisory review. 

I am seeking formal clarification of ProCollects credit reporting policy and whether deletion upon settlement is considered or permitted under company practice. I remain prepared to resolve the balance immediately upon transparent confirmation of reporting terms. 

My goal is to conclude this matter promptly and ensure that credit reporting practices are accurate, consistent, and clearly disclosed.

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 2026-02-11 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: MI

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 2026-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am submitting this complaint regarding deferred interest applied to my CareCredit credit card account issued by Synchrony Bank. 
This account was opened for medical expenses under a promotional offer advertised as no interest if paid in full within 24 months. I never missed a payment on this account and consistently paid more than the minimum amount due. Over the course of the promotional period, I reduced the balance from over {$4000.00} to under {$2000.00}. 
I did not understand that if any balance remained at the end of the promotional period, all interest from the beginning of the promotion would be added retroactively. I was not sent any clear email or direct notification explaining that the promotion was deferred interest rather than a true interest-free offer. Additionally, the medical providers office where I enrolled for the card did not explain this distinction. 
When the promotional period ended, approximately {$2200.00} in deferred interest was applied to my account. Given my perfect payment history, strong overall credit, and good-faith effort to pay the balance down responsibly, this charge was unexpected and financially burdensome. 
I understand that deferred interest products have historically caused consumer confusion, particularly in medical financing contexts. I am requesting that Synchrony Bank review this matter and provide a goodwill adjustment to reduce or remove the deferred interest so the account may be resolved fairly.

I am not disputing that a balance remained at the end of the promotional period ; rather, I am disputing the clarity and fairness of how the deferred interest was applied under these circumstances. 
All my information is attached. My account number finishes in XXXX. 

Thank you for your assistance.

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 2026-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servatus Corporation
State: GA

Complaint narrative:
I am disputing this alleged debt being reported by Credit Solutions Corp . They are reporting this account as a collection account and identifying themselves as a debt buyer. 

I submitted a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In response, XXXX XXXX XXXX only provided a copy of the original contract from the original creditor. They did not provide documentation proving legal ownership of this specific account, full chain of assignment from XXXX XXXX XXXX, a complete payment history, or an itemized breakdown of the balance. 

As a debt buyer, XXXX XXXX XXXX must demonstrate that they legally own this account and that the amount being reported is accurate. A copy of an original contract alone does not establish ownership or validate the balance. 

Despite failing to provide full validation, this account continues to be reported and updated on my credit report and is not marked as disputed. 

I am requesting that XXXX XXXX XXXX either provide full legal validation including proof of ownership and complete account documentation, or immediately delete this account from all credit reporting agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Logical financial paradox ( {$0.00} High Credit vs. {$920.00} Balance ), internal data conflict ( Comment contradicts High Credit field ), and an 8-month chronological fracture in activity reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: NY

Complaint narrative:
The company kickoff showed up on my XX/XX/XXXXcredit file so I disputed it. I don't know the company, never did any business with them whatsoever. I contacted the company on multiple occasions telling them that this isn't my account and I'd like it to stop reporting false information on my credit. As of this morning it's still hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX sold me two side tables that were infested with a wood destroying insects on XX/XX/year> for {$370.00}. Upon realizing, I immediately contacted XXXX and sent them a Pest Infestation Report on XX/XX/year>. What happened next was astonishing. XXXX told me that I was just outside their return window of 30 days and that a representative would be in contact. I was bewildered that a 30 day return window would still apply even to insect infested furniture, which can take time to detect. I did not receive an immediate refund even after providing them with pictures of the insect holes and wood dust collecting around the end tables from the insects destroying the tables. Instead, I was made to wait for months with the promise that the XXXX vendor was going to send me an email to resolve this matter. Why I needed to resolve this directly from the Vendor is unknown as it was XXXX that sold me the product. I let XXXX know that no such email existed in my inbox or junk folder but they just kept dragging things along with the excuse that I needed to resolve this issue with the vendor. I requested that XXXX send me evidence from their Vendor that they sent an email. I never received the proof I request, just more of the same nonsense that the vendor said they sent an email. Mind you that XXXX has all the picture evidence of the infested side tables that they could have easily shared with the vendor and resolved this immediately. Upon realizing the game they were playing on me I decided to resolve this with the credit card company directly. I filed a dispute with XXXX on XX/XX/year> and shared my email exchanges with XXXX and pictures of the infested side tables. It is now XX/XX/year> and still no resolution from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 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: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 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 explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NV

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. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX. 

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 non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: VIRTUOSO SOURCING GROUP, LLC.
State: VA

Complaint narrative:
I received a call from ( XXXX ) XXXX XXXX at XXXXXXXX XXXX from a woman named XXXX indicating they were attempting to collect a debt for myself as the subject for an XXXX balance of {$510.00} for an address I have never resided at-XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX . I asked when the balance was incurred and the company provided that the balance was from XXXX. I advised the company that I have not lived at that address before and have been living at my residence I purchased since XXXX ( this information was not provided to XXXX for my own personal information safety ). I was then transferred to the manager who identified himself as XXXX who indicated I could launch a fraud claim but I needed to provide him with various forms of information to verify my identity to include my current address and signatures. I advised that since the " collection '' was from XXXX, I would follow up with the company. XXXX asked me not to do that as they are managing the debt and provided me with an address to send the information to or if I provided my email then he would send me a form with all requested documents. The call ended at that point. 

I called XXXX in reference to the Account and Spoke to XXXX employee XXXX with XXXXXXXX XXXX  and was the Expert on staff for the shift. XXXX verified my personal information and verified that I have never had an account with XXXX nor have a balance with XXXX and recommended that I do not send this company my contact information because he is not familiar with this specific collection group nor know how they would have gotten this information. 

A XXXX way call was then conducted with the company to which I spoke to the Agency in question XXXX and the call was transferred to XXXX fraud department to which myself and XXXX spoke to XXXX in account management. XXXX confirmed again that my information is not connected to any ADT acct nor have I had an ADT balance. XXXX on the phone tried to advise XXXX that he provided me with the dispute process that their company uses and that he urges I follow the protocol he provided. XXXX advised me to not provide any of my information as he can confirm I am not associated with XXXX and he does not know how XXXX has my contact information. XXXX then asked for the account that XXXX was attempting to collect on which XXXX provided. XXXX confirmed that the information on the associated acct did not match my information and that he was not sure why XXXX was reaching out in regards to the aforementioned acct because the acct he provided is also not in collections.

Company response to consumer: Closed with explanation