vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute the collection account that Sunrise Credit Services is attempting to collect from me. This account, ending in XXXX, with a balance of {$740.00}, is reported as a collection account on both XXXX XXXX XXXX credit bureaus. However, this debt is not mine, and I have never incurred such a liability. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security XXXX are XXXX. Upon discovering this erroneous collection account, which has negatively impacted my credit scores ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), I immediately took steps to address the issue. On XX/XX/XXXX, I contacted both XXXX XXXX XXXX to dispute this account, providing them with all necessary documentation to prove that I have no affiliation with this debt. Unfortunately, despite my efforts, the account remains on my credit reports, further damaging my creditworthiness and causing undue stress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report, and the credit bureaus are required to conduct a reasonable investigation into my claims. I believe that this has not been adequately done, as the account persists on my reports without any evidence of its legitimacy being provided to me. The presence of this erroneous collection account has been detrimental to my credit profile, affecting my ability to secure loans or favorable interest rates, and causing significant emotional distress. I am a responsible consumer who ensures that my financial obligations are met, and this situation is a misrepresentation of my financial history. I am requesting the complete removal of this account from all three credit reporting agencies : XXXX XXXX XXXX XXXX. This action is necessary to rectify the inaccuracies in my credit report and restore my credit standing.

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: OK

Complaint narrative:
I belive late XXXX i noticed a collection on my XXXX XXXX. I reached out to this agency to see who has ownership of this account and to see who can provide the burden of proof. I sent the letter on XX/XX/26. I noticed them to not only provide the any all and all documents. I elected to tell them I never ever received a dunning letter or initial contact. Of which theyre in violation of. I explained that im giving up consent to electronic mail. I request everything in conventional mail. I have not heard from this debt collector to validate their claim. However I did dispute the debt. I never got a letter certifying that their information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The records tied to my financial account show documentation problems and reporting irregularities that weaken their integrity, and I kindly request amendment.

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 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: ID

Complaint narrative:
Nelnet has approved 3 fraudulent loans to someone and I have tried to prove these were not taken by me. They are fraudulent. I have not had any help resolving this issue and they proceed to grant yet another loan, as well as raise limits on the previous ones!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: MI

Complaint narrative:
I am filing this complaint against Spring Oaks Capital for willful violations of 15 U.S.C. 1681c-2 and for furnishing fraudulent data after receiving definitive proof of identity theft. Spring Oaks Capital is attempting to collect a {$480.00} debt ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) that resulted from a documented compromise of my personal information. I have provided Spring Oaks with a valid FTC Identity Theft Affidavit and Police Report # XXXX, which details that my wallet was stolen and my identity was further compromised in the XXXX and XXXX XXXX Data breaches. On XX/XX/year>, Spring Oaks responded to my dispute by providing a 'Bill of Sale '. Under the FCRA, a debt buyer 's internal affidavit or purchase ledger is not the law. The law mandates that once an Identity Theft Report is provided, the reporting of such information must be blocked. Furthermore, I have already secured a formal admission of fraud and a deletion order from XXXX XXXX XXXX ( CFPB Case No. XXXX ) for the exact same fraud period. Spring Oaks ' continued reporting is causing me concrete economic harm. I was denied auto financing on XX/XX/year>, specifically due to 'delinquencies ' caused by this fraudulent account. I am demanding the immediate cessation of all collection activities and a permanent deletion of this record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: IL

Complaint narrative:
Sent a debt verification letter to Qualia Collection Services on XX/XX/year> Alleged amount owed {$2900.00} Received a debt verification letter from Qualia Collection Services on XX/XX/year> the letter had charges in it that had already been paid by me and I have said paid receipt, and there were other amounts that were inflated and I do not owe. Called Qualia collection services on XX/XX/year> explained that I did not owe these amounts and did not agree to there verification letter but was willing to try to settle this matter to get this removed from my credit bureaus, even sent proof of payment that I had made in form of paid receipt.... Was told that they were unwilling to remove this collection from my credit bureaus. I am currently applying to low income senior housing and I am unable to secure housing with this collection on my bureaus. I never received any notification from Qualia Collection Services about this alleged debt no letter no phone calls, I found out about the collection when reviewing my credit bureaus for an application for low income senior housing. If I would have gotten notification from Qualia Collection Services prior to them turning it into the credit bureaus I could of took care of this matter and not be denied housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: SC

Complaint narrative:
I am disputing a charge of {$100.00} with Goldman Sachs ( Apple Card ) regarding a transaction on XX/XX/year>. Despite providing overwhelming written evidence, Goldman Sachs has failed to resolve this billing error or protect my consumer rights. The Facts of the Case : Misrepresentation : On XX/XX/year>, the merchant admitted in writing that the product was misrepresented and provides " zero protection, '' violating their own terms. Written Admission of Debt : On XX/XX/year>, the merchant confirmed in writing that a refund was " processed/released. '' This credit never posted to my account. Admission of System Failure : On XX/XX/year>, the merchant admitted their internal refund system " failed '' to process the promised funds. Alternative Payment Failure : On XX/XX/year>, the merchant promised to settle the {$100.00} debt via XXXX because their standard system was broken. They failed to fulfill this promise and have since ceased communication. Bank Failure : I have provided Goldman Sachs with ten ( 10 ) pieces of evidence, including these written admissions. The bank continues to stall, requesting " more information '' that has already been provided, and has failed to issue a permanent credit for a debt the merchant openly acknowledges. Desired Resolution : I am requesting a permanent credit of {$100.00} and for Goldman Sachs to be held accountable for failing to uphold Regulation Z/ the Fair Credit Billing Act regarding a credit that was not posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am an XXXX and signed up to be a seller on XXXX. After i finished signing up, I got an e-mail that I thougnt was an official XXXX e-mail. It told me that I had to verify all of my information on XXXX in order to recieve orders and get paid. This made sense to me, but as the process went along, I realized I had been scammed and felt deep shame. My social security, ID, and address, chime card/bank info, and all information was requested and I do not know why I believed it. I am embarassed. But I do know I did NOT authorize a transaction on my card at any point during the chat bot pop up that was guiding me through what I thought was a process to get me going to make more money just being an XXXX and doing what I love. Instead I was scammed out of {$170.00}, left with no bill or grocery money, and embarassed and defeated. I disputed the charge with Chime and froze my card. Chime eventually got back to me and denied my dispute, stating that it was not fraud. I called customer support and could not appeal because I didnt have any " new information '' to provide them. I sent in all of the evidence and information I had the first time, so I had no more to give them. Anyway, I decided to contact XXXX XXXX because Chime runs off of them or something. They told me the only thing they could do is review the dispute claim Chime processed for me. I asked them what that entailed and if I can get a review. They did not respond. Now 8 days later I get an email saying Chime has closed my account. I was going to close it anyway, but it is disgusting and disturbing how I was treated after the traumatic event of being robbed after I worked hard to become an XXXX and create, sell, and make money from my work. I was preyed upon and taken advantage of and couldn't rely on my bank to even try to help me get my money back. I will NEVER bank with Chime again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: HI

Complaint narrative:
I took out a private student loan through Sallie Mae to attend XXXX XXXX XXXX approximately two years ago. I was enrolled as a part-time student and followed the schools scheduling procedures. When I needed to reschedule, I provided advance notice, typically more than 2448 hours in advance. In one instance, I had a medical issue and provided a doctors note to support my absence. Despite following these procedures, I was informed that I could no longer continue in the program after rescheduling. This dismissal was not due to academic failure, misconduct, or any known violation of policy, and it was not my decision to withdraw. It is important to note that scheduling changes were not unusual, as instructors would also cancel sessions at times due to weather or other circumstances. I made every effort to comply with the program requirements and communicate appropriately. As a result of being dismissed, I did not complete the program and did not receive the educational services that the loan was intended to cover. However, I am still being held responsible for the full loan balance. I attempted to contact both the school and Sallie Mae to request clarification, a breakdown of charges, and confirmation of whether any funds were returned. I have not received clear answers or meaningful assistance. Communication has been limited, and I have been unable to resolve this issue directly. Given that I did not receive the services paid for and was dismissed despite following procedures, I believe the loan balance may be based on incomplete or inaccurate information, particularly if the school retained funds for services not provided. I am requesting a full review of this matter, including confirmation of all funds disbursed and whether any portion should have been returned. I also request that this account be formally marked as disputed while this issue is under investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation