vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CrediautoUSA Financial Company LLC
State: AR

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX- XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-11 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: KY

Complaint narrative:
I am filing this formal complaint regarding two unauthorized transactions totaling {$1800.00} processed on my account as follows : {$940.00} on XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$940.00} on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize either of these transactions. These charges were made without my knowledge or consent and appear to be fraudulent cryptocurrency purchases. 

I immediately reported the fraud and filed Dispute # XXXX. Although the status shows that an agent is investigating, I have not received provisional credit, a clear explanation of my rights, or a defined resolution timeline. 

Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to conduct a prompt investigation and provide provisional credit within 10 business days when appropriate. The failure to provide timely provisional credit or meaningful updates raises serious concerns about compliance with federal consumer protection laws. 

The total loss of {$1800.00} is significant and has caused financial hardship. I acted promptly and responsibly in reporting the fraud, yet the burden has unfairly remained on me.

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: PA

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am writing to formally appeal the decision regarding my disputed charge under Request No. XXXX. This letter serves as a request for reconsideration based on the facts and documentation previously submitted. 

I am disputing a charge of {$1500.00} dated XX/XX/year>, made to XXXX XXXX XXXX XXXX XXXX XXXX for enrollment in their XXXX XXXX XXXX XXXX ( XXXX  ) program. This charge is in error because the services I paid for were never delivered. 

At the time of payment, I was not provided with a signed contract, written enrollment agreement, or clear disclosure of refund or cancellation terms. I never received confirmation that my enrollment was completed, access credentials, or proof that services had begun. 

Despite full payment, my enrollment was never finalized, and I did not receive access to the program or any promised services. When I requested a refund due to non-delivery, I was informed that the payment was non-refundable, despite no such terms being disclosed prior to payment and no signed agreement existing. 

After filing my initial dispute, the merchant contacted me directly and attempted to persuade me to withdraw the dispute in exchange for program credits instead of a monetary refund. I declined this offer. 

I previously submitted documentation demonstrating that no services were rendered, no binding agreement was provided, and that refund policies were inconsistent and undisclosed. I am now submitting this appeal along with confirmation of my Federal Trade Commission ( FTC ) complaint, which further supports the validity of my claim. 

I respectfully request that SoFi reconsider this matter and reverse the prior decision. Under applicable consumer protection laws, I should not be held responsible for charges related to undelivered services. I am requesting that the disputed amount be credited to my account and that any related finance charges be removed. 

Please review this appeal in light of the documented evidence and regulatory concerns. If additional documentation is required, I am prepared to provide it upon request. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX Enclosures : - FTC Complaint Confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: KS

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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: FL

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 — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hi, My husband XXXX with the US military in XXXX of 2025. Under the SCRA, we are entitled to a 6 % interest rate on our credit cards. I sent Citi Bank several requests in writing, including the request to have the interest rates on our Citi credit cards reduced to 6 % along with a copy of my husband 's orders. Citi bank never honored it. Our interest rates are still at 27.49 % on both credit cards. 

I would like to add that four other financial institution honored the SCRA and granted us lower interest rates. Citi has been very difficult to work with and unresponsive. They are in violation of federal law!

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 monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable credit reporting by my federal student loan servicer, Edfinancial Services, on two student loan tradelines. 

Both loans report 90-day, 120-day, 150-day, and 180-day delinquencies from XXXX through XX/XX/year>. Edfinancial has verified this reporting to the credit bureaus despite admitting that they can not produce written documentation showing that I was notified my deferment ended or that payments were due.

In written correspondence with Edfinancial, the servicer explicitly stated that : They can not provide copies of billing statements They can not provide written delinquency notices They can not provide documentation showing when or how notice of repayment was sent Notification was based primarily on attempted phone calls Attempted phone calls do not constitute written notice of repayment terms, due dates, or consequences of nonpayment, nor do they provide verifiable documentation supporting credit reporting. Without billing statements or written notice, Edfinancial can not substantiate when payments became due or whether delinquency reporting from XXXX through XX/XX/year> was accurate.

Edfinancial further stated that my loans exited administrative forbearance and entered repayment automatically following the end of the federal On-Ramp period, yet they could not provide proof that I was informed of this change in status by mail, email, or secure account correspondence. 

My payment history shows consistent on-time payments before this isolated period and again beginning XX/XX/year> once I became aware of the issue. This demonstrates good-faith repayment and confirms that the delinquency resulted from lack of notice rather than refusal to pay.

Despite this, Edfinancial continues to report extended delinquencies without documentary support, which renders the reporting unverifiable and therefore inaccurate under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ).

I am requesting that the CFPB require Edfinancial to conduct a full account review and either : Produce verifiable written documentation showing proper notice of repayment and billing, or Correct or remove the delinquency reporting for XXXX through XX/XX/year> on both loans I am also requesting written confirmation of the outcome of this review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
In XX/XX/2025 I sent in letters to the credit agency XXXX  and the creditor asking for the original promissory note with my signature on it and all documents proving this is my debt I never received a response. I also asked XXXX  to send me a copy of my wet signature approving the had consent to put this on my credit report and I never received any notice or response.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: PA

Complaint narrative:
I have opened a line of credit with Earnin Company, which allows users to borrow money from Earnin and pay back the amount borrowed after employment pay is deposited into users personal account. However, Earnin company charged my personal account before the date of employment direct deposit was posted to personal account. As a result my personal account was driven into the negatives and I was charged an overdraft because of the premature charge for repayment by Earnin. I reached out to Earnin support to have the issue corrected and was told my account was charged based on past/old transaction dates that I explained was inaccurate. I also provided company with screenshot proof that information held by Earnin was inaccurate and needed to be updated immediately. However Earnin reported that they were unable to make necessary changes until a new direct deposit was posted to my personal account. Issue was not resolved and fees were not reversed and repayment schedule was not adjusted based on complete and accurate information.

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: NJ

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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I am formally disputing this collection account. 

I previously requested validation of this alleged debt from Innovative Recovery Inc and have not been provided with sufficient documentation proving that I am legally obligated to pay this account. 

This account is being reported as Joint, yet no documentation has been provided showing a signed lease agreement or contract bearing my signature that establishes my legal responsibility. 

Additionally, no itemized statement has been provided showing how the balance of {$520.00} was calculated. 

Under the Fair Credit Reporting Act, you are required to ensure maximum possible accuracy of information reported. Since this account has not been properly validated and lacks supporting documentation verifying its accuracy and my legal obligation, I request that this account be deleted from my credit file immediately. 

If the furnisher can not provide complete and verifiable documentation, this account must be removed. 

Please complete your investigation and provide written confirmation of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Complaint Against : Citibank ( Home Depot Credit Card ) Issue : Failure to timely return funds from erroneous payment / Unreasonable delay / Refusal to escalate On XX/XX/XXXX, I attempted to make an online payment of {$49.00} to my Home Depot Credit Card account ( issued by Citibank ). Due to a payment entry error on my part, a payment of {$2200.00} was processed instead. 

On XX/XX/XXXX, I contacted XXXX immediately to report the error and request that the excess {$2200.00} be returned to my bank account. I was told this would not be a problem. I received an email confirming that a work order had been opened to return the funds ; however, the communication provided no timeframe and no additional instructions. 

Since then, I have called multiple times seeking a status update. During these calls : I have been disconnected repeatedly after being placed on hold. 

On XX/XX/XXXX, I was disconnected twice by a representative named XXXX. 

I have been denied escalation to a supervisor despite requesting it. 

I was advised at one point that the issue could take up to 90 days to research.

There is no factual dispute requiring research. This was an overpayment made directly to Citibank through its own Home Depot credit card platform. The error was reported immediately. Citibank is currently holding {$2200.00} of my funds without providing a reasonable explanation for the delay or a defined resolution timeline. 

The prolonged retention of these funds has caused financial strain and unnecessary hardship.

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 2026-02-11 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
for no reason they froze my account and holding my 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 2026-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I provided Bank of America with 3 money orders on XX/XX/year>. {$1000.00}, {$700.00}, and {$40.00} yesterday XX/XX/year>. The teller advised me they would be available the next day. When I checked my account this morning, I noticed that I only received funds for the {$40.00} money order, and advised I had to wait until XXXX/XXXXXXXX until the other money orders are available. I requested for the money orders to be returned, because I am moving and this is money that has to be paid in order to move to my new apartment by XX/XX/year>. I am desperate for help to receive this money. This is the XXXX time BOA has taken my own money and has either lost it or held on to it.

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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a bank account with BMO on XX/XX/year>, specifically to handle transactions I was conducting in selling gold. The owner of the jewelry store I worked with recommended I use BMO, as he believed the funds would clear faster due to the reason that he has a relationship with the BMO Bank. Following his advice, I completed two transactions with BMO. The first check, for {$6000.00}, cleared without issue. The second check, for {$31000.00}, has been held for more than 12 business days, even though the issuer has confirmed that the funds have already cleared from his account. I have repeatedly requested a clear statement detailing the reason for the hold, the exact release date of my funds. I continue to receive only vague and unsatisfactory responses. I am requesting that BMO provide this information in writing and release my funds without further delay.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: MO

Complaint narrative:
I am filing this complaint regarding a fraudulent account being collected and/or reported. 
The account was opened while I was under the age of XXXX. I did not open, authorize, or benefit from this account. At the time the account was created, I was legally incapable of entering into a binding contract, rendering the account void due to infancy. I previously disputed this account directly with the company. The company responded stating that documents were mailed, but no documents established authorization, contractual liability, or lawful consent. Providing account statements or internal records does not establish that I opened or agreed to this account. No signed agreement or proof of authorization has been produced. Continued collection activity and/or credit reporting of a debt created while I was a minor is inaccurate and harmful .I am requesting immediate deletion of this account, cessation of all collection activity, and written confirmation that the account has been closed as fraud.

Company response to consumer: Closed with explanation