vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 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 non-monetary relief
Consumer complaint received 2026-02-16 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: NJ

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-02-16 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: IL

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 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
I paid my balance in full on XX/XX/year>. On XX/XX/year> they updated the information and added interest to the previous balance. I called to ask them to rectify the charge and they refused to do so. Though their system shows I made the payment the day before they changed their balance! This is a shady practice to steal from people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
RNT DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research RNT DEBT 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 2026-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
Good morning my name is XXXX XXXX. I received a call from TSI on XXXX XXXX at XXXX. I called them back at XXXX the same day I was told about my {$30.00} payment that needs to be made for my foot and ankle doctor. I made it clear to them. I was in the hospital because I was attacked by a dog in the elevator and I will make my payment online once I get my unemployment. I told him do not call my phone. No more. The guy said ok we will wait for your call. I said to him no Im not gon na call you back. I can pay it in the patient portal and I hung up today XX/XX/XXXX. I received another call from them after I told him not to call my phone no more. They have called me from two different numbers already and I told him do not call my phone no more several times on the recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Subject I am filing a formal complaint against PayPal Holdings , Inc. regarding their refusal to reverse confirmed fraudulent transactions and their attempt to collect a negative balance resulting from that fraud. 

My PayPal account email : XXXX PayPal Case ID : XXXX Date of fraudulent activity : XX/XX/year> Amount in dispute : {$1800.00} USD ( plus related unauthorized charge of {$24.00} ) This incident was part of a coordinated fraud event affecting multiple credit cards and financial institutions within the same time window. The fraud pattern and transactions were independently flagged and confirmed as unauthorized by every card issuer involved. Those institutions canceled and reissued the cards and reversed the related charges. 

Key facts : Multiple banks flagged the transactions as fraud and issued new cards Fraud alert text messages were triggered and I responded that the activity was not authorized Several related transfer attempts were automatically blocked by fraud controls I do not have and have never used a XXXX  account, the merchant involved A preapproved payment agreement was created through PayPal without my knowledge or consent My email account was later found to contain malicious filters deleting PayPal and merchant security alerts, demonstrating account manipulation during the fraud window PayPal initially blocked a large transaction but later ruled the activity authorized without reconciling the broader fraud evidence PayPal closed the fraud case and is now attempting to collect a negative balance created by these fraudulent transactions My PayPal account has been limited, preventing me from removing funding sources or merchant billing agreements myself PayPals determination directly contradicts the fraud findings of the issuing banks and ignores clear indicators of unauthorized activity and account manipulation. I have escalated the matter to PayPal Executive Escalations and requested manual review, but the negative balance remains and collection notices are being sent. 

I am requesting that PayPal be required to : Reopen and conduct a manual fraud review Reverse the fraudulent transactions Remove the negative balance created by the fraud Cease collection efforts related to these disputed amounts Provide a written explanation of their authorization determination standards in this case I can provide supporting documentation from the banks confirming fraud classification and card reissuance upon request. 

This complaint is submitted in good faith to resolve an unresolved fraud dispute where the payment platforms decision conflicts with all issuing-bank fraud determinations. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I am formally disputing the accuracy because this is a charge off This dispute is made under the fair credit act 15 U.S code 1692g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Someone fraudulently opened a credit card with my information from SYNCB/XXXX WALMART. My credit is on a freeze with all three credit bureaus and should not have ever been allowed to be opened.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: NM

Complaint narrative:
" Vance & Huffman is violating the FCRA by illegally 're-aging " obsolete debt. 

The Proof : On XX/XX/XXXX, Vance & Huffman sent me a letter ( attached ) explicitly stating : 'Because of the age of your debt, we will not sue you. ' The Violation : Under New Mexico law, this admission proves the debt is past the 6-year Statute of Limitations, placing the Date of First Delinquency in or before XXXX. This means the 7-year credit reporting limit expires in XXXX. 

The False Reporting : Despite this, Vance & Huffman is reporting to TransUnion that the account was 'Opened ' in XX/XX/XXXX with a removal date of XXXX. 

Demand : They are knowingly reporting a 7-year-old debt as brand new to damage my credit score. I demand this obsolete trade line be deleted immediately. '' Also, they try to make you log in to a website that asks for personal information and never properly responds to the orgininal request. Being the victim of identity theft I do not give out my personal information to anyone, especially a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have XXXX credit cards with Capital One. On XX/XX/year> someone recovered my username updated my account password, phone number and email address. I contacted Capital and the had me change my username and password., They also sent me new credit cards. On XX/XX/year> it happened again. I contacted Capital One changed my user id password email address and requested a better way to secure my account. They did nothing and on XX/XX/XXXX someone changed my recovered my username updated my password and updated my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This debtor /collection agency is trying to collect a debit previously discharged and may be a direct violation of FCRA codes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
On XX/XX/year>, I opened a SoFi Checking & Savings account in response to a promotional offer promising a {$300.00} bonus for receiving {$5000.00} or more in qualifying direct deposits within XXXX days. 

During XXXX, I chat with SoFi representatives and chatbots XXXX  times. I was ensuring that I was following the necessary steps to receive promotional credit. In each interaction they acknowledged my Direct Deposits as valid. 

Between XX/XX/XXXX and XX/XX/XXXX, I received over {$6000.00} in payroll deposits from my employer via direct deposit. 

XXXX XXXX : {$3000.00} XXXX XXXX : {$1700.00} XXXX XXXX {$1700.00} This totals to {$6600.00} in XXXX XXXX XXXX from my employer in XXXX  days. The account was open for XXXX  days, well within the offer period. 

These deposits were employer-originated payroll payments, and my paystubs clearly reflect that they were direct deposit payroll. 

SoFi has denied the promotional bonus, claiming the deposits were classified as ACH transfers rather than eligible direct deposits. However, employer payroll direct deposits are processed through the ACH network. Any internal misclassification of these payroll entries is outside of my control. 

I followed all published requirements of the promotion. The deposits were legitimate employer payroll deposits, exceeded the {$5000.00} threshold, and occurred within the required timeframe. 

I filed a complaint directly with SoFi and offered to provide paystubs as documentation. SoFi has not responded. 

I am requesting that SoFi honor the promotional offer as advertised and credit the {$300.00} bonus accordingly. 

I have worked in finance for XXXX years and understand ACH transaction coding and payroll origination. These deposits were employer-originated payroll entries. Any failure to classify them properly is due to SoFis internal processing rules.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NV

Complaint narrative:
DESCRIPTION OF THE ISSUE : XXXX XXXX XXXX placed a disputed service charge into collections without providing documentation validating the charge. 

On XX/XX/year>, XXXX charged {$330.00} for a technician visit related to equipment connectivity issues after a router update. I was not informed of this charge in advance, did not authorize it, and signed no service authorization. The technician marked declined/refused. 

I immediately disputed the charge in writing and requested documentation including the governing contract provision, proof of advance disclosure, and signed authorization. XXXX failed to provide documentation. 

Instead, XXXX issued a partial credit and offered to split the balance, acknowledging dispute without validation. 

Despite the ongoing written dispute, XXXX referred the remaining balance ( {$190.00} ) to Virtuoso Sourcing Group for collection. 

After referral, I received telephone calls from an individual identifying himself as from XXXX, stating my security system was off, and then referencing the alleged balance. The account was cancelled and not off. 

I have formally disputed the debt with the collection agency pursuant to 15 U.S.C. 1692g ( b ) and demanded validation. I have instructed that all communications be in writing. 

This complaint concerns : Referral of a disputed debt to collections without validation Failure to provide documentation upon request Potential deceptive communication in connection with collection Attempt to collect a charge not expressly authorized by agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX this debt collection has been on my credit report. The debt collection of XXXX has been reported on my credit report, which I am not responsible for the debt hasnt be removed nor deleted. I have contacted the national credit system for further assistance within last couple od months within XXXX business days and no deletion has been made. Within, this matter I'll appreciate this collection to be deleted and resolved so I can not longer have an issue in the near future with credit or any other situation itself.The date that the collection was last reported was on XX/XX/XXXX, which I'm not responsible of paying as a unpaid collection. I was mentioned this collection would be deleted within the XXXX business days and havent seen this resolved since then. I would appreciate for the CFPB to help further assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
RNT DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research RNT DEBT 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 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I called on the morning of XX/XX/XXXX to get replacement. They verified my identity 2x via text and 2x email and then the representative I spoke with must have done something so my card couldnt be replaced. They transfer me, he said he cant verify my identity. I ask to speak with a supervisor. She too, cant send a text. How?! They literally just had, now they cant? To top it off they said I have to wait 7-10 days for Citi to call me to verify my identity. This is very concerning. How is a text the only way to verify and why not any other way?!

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 2026-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-02-16 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt an abundance of stress and humiliation. Being turned away by landlords for something I believe should not be on my record. This has impacted me in so many ways and has affected my ability to provide safe and stable housing for my children. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account which we never agreed upon, and I never signed an agreement on. A legal Contract is signed by two parties and I was never a participant of such. Also they didnt follow the 5 step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly they have violated my rights and abused my privileges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
am formally submitting this complaint because the unresolved charge-off with WFBNA is severely delaying my home purchase. Despite my dispute efforts with the credit bureaus and my attempts to resolve this directly, the account remains active and is causing significant financial and emotional stress. I respectfully request immediate intervention to investigate and remove this inaccurate reporting so that I can proceed with my FHA loan process.

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 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
National Credit Systems , Inc is reporting a collection account on my credit report in the amount of approximately {$12000.00}. 

I do not have a valid contract or agreement with National Credit Systems , Inc, and they have not provided proper documentation proving their legal authority to collect or report this alleged debt. 

Under federal law, including the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, a debt collector must provide full validation of the debt, including : A signed lease or agreement bearing my signature Full account history and itemized charges Proof of legal assignment or ownership of the debt Documentation demonstrating their legal authority to collect and report this account National Credit Systems , Inc has reported this account without providing sufficient documentation to verify its accuracy or validity. 

Reporting unverified or inaccurate information violates federal law, including : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) failure to conduct a reasonable investigation FDCPA 809 failure to properly validate the alleged debt This inaccurate reporting is damaging my credit profile. 

I am requesting a full investigation and immediate deletion of this account if proper documentation can not be provided. 

Failure to correct or delete inaccurate reporting constitutes negligent and willful noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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