vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
In XX/XX/XXXX I rented a car in Florida while on vacation and I was charged close to {$750.00} in several increments. It wasnt until the end of the rental that Ive began to notice that the charges were wrong and I realized that they had charged me {$14.00} a day for 16 days for their extra add on car insurance. The total was an extra {$370.00}. I did not need car insurance because I gave them my personal car insurance that cover rental cars and it was on the contract and they have it on file and they were well aware of this. I called my bank Sofi to inform them what was going on and ask that no more money to be taken out of my account from this vendor they assured me my money would be safe. I even moved my funds over to my savings account and turned off overdraft. A week after I returned my rental car, I received an email from Sofi informing that they had covered me in order to pay a bill to the car rental company. This put my account in the negative and I did not ask them to cover me nor did I want them to cover me because I did not owe that money. I disputed and appealed several times only to come up with a negative unresolved resolution or simply the answer of no. I found out that the same car rental company had been under investigation with the Attorney Generals office because they have been doing this to multiple customers visiting the area of XXXX XXXX. The contract that I signed did not even have the name of the entity that deducted money from my account. Im not sure how this is even legal, that an unrecognized name deducted money several times from my account. I asked Sofi for the documentation they used to deny my disputes and appeals, They never did give me the information I requested. In XX/XX/XXXX I was checking my account and it said theres suspicious activity, there was no suspicious activity but they used this as a means to close my account and they told me it was permanently closed and there was no way that it could ever be reopened. feel this was retaliation for all the disputes and appeals and consumer advocates that I have asked for help for because this issue has not been resolved and they allowed crooks to steal {$370.00} from my account and I did not authorize it. I would Sofi to give me my money back that they allowed another place of business to take for me. I did not receive provisional credit which caused financial hardship. They did not conduct a thorough, reasonable or fair investigation as they are supposed too. Legally, it is my right do you have access in a copy of documentation used for an investigation as well documentation used to decide to close my account, despite me having a positive balance at the time of the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XX/XX/XXXX and XX/XX/XXXX regarding the response provided by Resurgent Capital Services. Aka LVNV funding llc The company claims the account has been verified. However, the only documentation provided was a copy of a billing statement and a collection notice. This does not constitute proper validation under the Fair Debt Collection Practices Act ( FDCPA ) or proper verification under the Fair Credit Reporting Act ( FCRA ). 

Specifically, Resurgent Capital Services has failed to provide : A signed agreement or contract bearing my signature Proof of legal assignment or purchase of the debt A complete chain of title showing ownership of the account A full payment history or accounting of how the balance was calculated Documentation demonstrating their legal authority to collect A billing statement and collection letter do not establish that the debt is valid, that the amount is accurate, or that Resurgent has legal standing to collect. 

Under the FDCPA ( 15 U.S.C. XXXX ), a consumer is entitled to meaningful validation of a debt. Additionally, under the FCRA ( 15 U.S.C. XXXX ), furnishers must conduct a reasonable investigation before verifying information as accurate to credit reporting agencies. 

By continuing to report this account as verified without providing competent evidence of ownership and validation, Resurgent Capital Services may be furnishing inaccurate or unverified information to consumer reporting agencies, including XX/XX/XXXX andXX/XX/XXXX 

I am requesting that : XXXX. This account be deleted from all credit reporting agencies immediately due to failure to provide proper validation. 
OR XXXX. Resurgent provide full and complete documentation proving legal ownership, authority to collect, and accuracy of the balance. 

If adequate documentation can not be produced, continued reporting may constitute willful noncompliance with federal consumer protection laws. 

I request that this matter be reviewed carefully and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified credit reporting by ( DISCOVERCARD ) in connection with a vehicle repossession being reported on my consumer credit file.

Despite multiple disputes submitted to both the consumer reporting agencies and the furnisher, the company continues to report a repossession without providing competent evidence to substantiate the accuracy, completeness, or legal compliance of the tradeline.

Specifically : * The account is being reported with inaccurate and/or inconsistent information, including but not limited to the Date of First Delinquency, account status, and balance.

* The furnisher has verified the account without providing documentation demonstrating a reasonable investigation as required under FCRA 623 ( b ).

* No proof has been provided showing lawful repossession authority, required pre- or post-repossession notices, or compliance with applicable state law.

* No evidence has been provided that any vehicle disposition was conducted in a commercially reasonable manner as required under UCC Article 9.

* The continued furnishing of this information is misleading and violates FCRA 623 ( a ) ( 1 ) ( A ), as the information can not be verified as accurate or complete.

I requested, but did not receive, copies of the original retail installment contract, repossession authorization, required notices, sale documentation, or a post-sale accounting supporting any alleged deficiency balance. Without this documentation, the continued reporting of this account is inaccurate and harmful.

The failure to conduct a reasonable investigation and the continued reporting of unverified information violates the Fair Credit Reporting Act and has caused ongoing damage to my credit profile.

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 2026-02-18 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: SC

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 2026-02-18 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: SC

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 2026-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I am formally disputing the accuracy, validity, and enforceability of the reported student loan balance of {$2700.00}. 

On XX/XX/year>, I submitted a written request to Nelnet requesting validation of this debt, including a full payment history, documentation showing how the balance of {$2700.00} was calculated, and any records of interest capitalization or servicing transfers. 

As of the date of this dispute, I have not received sufficient documentation verifying the accuracy of this amount. 

Because this balance remains unverified, and due to the absence of complete supporting documentation, I am requesting : A full investigation into the validity of the reported balance Immediate deletion of this account from my credit report if it can not be properly validated Additionally, this balance represents a significant financial hardship. At this time, I am experiencing financial constraints that make repayment of the alleged {$2700.00} balance extremely difficult and burdensome. The continued reporting of an unverified debt further impacts my financial stability and ability to maintain essential living obligations.

I am acting in good faith to resolve this matter and request that the companies involved either provide proper validation of this debt or remove the account entirely from my credit reporting.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
there was a {$9700.00} reported on my credit report around XXXX of 2024 for a company that appears to have purchased a debt from a landlord. I do not nor have I ever been associated with this landlord, company or address!!! I have been a victim of identity theft multiple times and I have stated this several times in disputes and also submitted documentation!!! this company insists that the debt is correct and will not remove it from my credit report but has not provided me with any leading evidence as to how they are sure the debt is mines and I am the exact person whom accumulated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
My mother passed away XX/XX/year>. After her death I was notified of different accounts, cards and utilities taken out in my name that I wasnt aware of nor did I approve. These accounts have my name but I have two middle names these accounts only have 1 of my middle names. Ive live at the same address of XXXX XXXX XXXXXX/XX/XXXXXXXX Mo XXXX since I was XXXX old. I can send in my mom death certificate and obituary if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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:
On XX/XX/year> i used my card at a hotel in XXXX for the incidental charges when i checked in. the next day when i checked out, i used another card where the entire balance was paid however the {$100.00} stayed in a " pending '' status for more than 3 weeks. during that time i was advised by goldman sachs ( apple card ) to put the charge into dispute since the hotel could not figure out how to reverse it. the charge eventually " dropped off '' but the {$100.00} was never placed back to my account in the available balance. i know that the {$100.00} was removed from my available balance on XXXX because i had to make a deposit to have enough on the card for the transaction and then after paying the incidental charges deposit, i had to make another deposit to the card so that i had enough for my dinner that night. goldman sachs has been unwilling to look into the true accounting of the issue and simply continues to claim that the " transaction never happened ''. i would like this investigated by a 3rd party agency that can require GS to release the proper information to prove that the {$100.00} came back to my available balance- which it did not. Goldman sachs continues to refuse to send me the report of my transactions since XXXX to current that also shows my running balance and proof that the supposed " aged off '' charges went back to my card from the hotel in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I became XXXX after having XXXX removed from both XXXX, I had began experiencing issues related to a head injury as well as long XXXX symptoms. I am easily confused, and processing difficulties. 
All of this is noted in doctors records. 

I fell behind and had problems communicating with Truist. I had only thought at the time to tell them about the XXXX procedures, not my cognitive impairment. 

I was put into a trial and failed three times. I did not understand what I was agreeing to. 
I felt I had no choice and this was my only way to maintain housing for my family. 
I told them I didnt really understand but if this is my only option then yes, I will sign. 

I told them several times that I could afford {$1200.00}, but each time it was set for over {$1600.00}. I was given papers to sign and I signed because I feared losing housing. I didnt understand the terms, just that being homeless was prolonged. 
I felt like I needed a lawyer, someone on my side. I was afraid to sign the paper, but I was also afraid not to sign the paper, however, I didnt understand any of it or what it would mean for me after the trial. I am on 17 medications, some that are sedative. Some days I dont leave my bed due to XXXX XXXX and XXXX XXXX, all of this is documented in my medical and social security records. 
This was the only option presented to me and I felt I had no choice but to accept. 

I was looking back through papers and saw the waterfall of options so I asked for a forbearance and was told that because I signed an affordability affidavit that I will not qualify for a forbearance. I tried telling them it wasnt affordable, I said {$1200.00} would be affordable! But I had to sign their paperwork to avoid or prolong homelessness. 

I felt unheard and bullied into doing things their way, only to find out I did have other options, but only if I didnt sign their paperwork to begin with. 

They had given me info about hud housing counseling and when I called, they told me that they were out of money since XXXX. 
I thought I was supposed to be getting money to update my Truist account. 
When they asked if I had reached out to Hud housing counseling, I told them I did, but my state is out of money. 
I wish they would have told me that there is counseling available that could go over my options with me, and help find the option that was best for me. 

I think there was a disconnect and maybe they didnt know that I didnt understand, I thought I was asking for money to update my account and again I was told there was no money.

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 2026-02-18 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: VA

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 2026-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called TransUnion so many times and told them to remove the debt the debt said it's from apartment complex but I don't have a judgment from the judge to say I owe anything The collection is already paid but the debt collector keep harassing me everyday and keep putting things on my credit I have zero accounts on my credit and it's been like that for years I don't have no rental debt and I'm asking transunion to remove this forever and they refuse to so I'm going to keep filing complaints until they do XXXX  removed it for now and they need to do that as well or I'm going to keep filing a complaint

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 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was the victim of a scam and sent {$2200.00} through PayPal. I reported the issue as soon as I realized what happened and provided PayPal with transaction IDs, communications, and supporting documentation. 

PayPal initially told me they would work with my bank to recover the funds. However, my bank stated they can not recover the money once it was transferred through PayPal and that PayPal is responsible for investigating the receiving account and attempting recovery. 

Despite repeated follow-ups, PayPal has not confirmed that a trace was conducted, that the receiving account was contacted or restricted, or that meaningful recovery efforts were made. I have been redirected back and forth between PayPal and the bank for over a month without resolution. 

I requested information about the investigation status, recovery actions, and next steps, but PayPal has not provided clear or documented answers. The responsibility continues to be shifted, and the matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Airtm Inc.

Complaint narrative:
On XXXX XXXX, I initiated a direct deposit via XXXX from my Airtm account to a bank account in XXXX ( Transaction ID : XXXX ). As of today, XX/XX/2026, the funds have not reached the destination, and Airtm has failed to provide a resolution to track the transaction through the XXXX XXXX XXXX XXXX. 

I have contacted their support team multiple times ( Ticket # XXXX ), but I only receive automated or generic responses asking for more time without any technical proof that the transfer was actually executed. The delay has exceeded any reasonable timeframe for international digital transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: TX

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 2026-02-18 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: SC

Complaint narrative:
Please be advised that I just sent my disputes to CFPB and attached a wrong file. Thus, I am resubmitting my complaints with correct attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/scrub> 2026, an ACH deposit of {$2000.00} was sent to my account at XXXX XXXX Bank ( Chime ) from XXXX XXXX XXXX XXXX XXXX. I have an ACH trace number confirming transmission. The originating bank confirmed the funds have not been returned. Chime representatives have refused to run the trace number or escalate to ACH operations. As of XX/XX/scrub> 2026, the funds have not been posted or located. I am requesting an immediate investigation and confirmation of receipt or return of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing regarding a collection account that has appeared on my credit report for a debt I do not recognize and do not owe. Discovering this unverified account under my name has been both shocking and deeply distressing. I have been subjected to repeated contact attempts through various communication channels, including aggressive tactics and threats of legal action. As a law-abiding consumer, it is unacceptable to be harassed over a debt that is not mine. This situation is taking a serious toll on my mental well-being and has caused ongoing stress and sleepless nights.

Company response to consumer: Closed with non-monetary relief