vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Company Name : Columbia Debt Recovery LLC ( dba Genesis ) Type of Complaint : Attempt to collect debt not owed / failure to properly validate debt Complaint : I dispute a {$100.00} heavy-duty cleaning charge that Columbia Debt Recovery LLC ( Genesis ) is attempting to collect on behalf of XXXX Apartments XXXX XXXX XXXX . i WAS ADDITIONALLY CHARGED {$180.00} FOR THE STANDARD CLEANING FEE WHICH I PAID AT MOVE OUT. I dispute this debt for the following reasons : The lease does not include a cleaning fee. The charge is for normal wear and tear after more than three years of tenancy. Pre-existing carpet damage was documented in the move-in inspection. I was informed that carpets would be replaced between tenants, making cleaning charges unnecessary. They mentioned scuffs on the walls and the walls are always painted with fresh paint as part of regular turnover. Photos provided by XXXX / XXXX do not show excessive damage or conditions requiring heavy-duty cleaning. I requested validation of this debt multiple times via email, but Genesis has not provided any invoices, receipts, or itemized documentation. Despite this, Genesis stated over the phone that I must pay and that I can not dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Dear Sir or Madam, I am writing in response to your letter regarding the alleged debt for account number [ XXXX ]. I am formally disputing this debt and request validation of the debt as required by law. Please provide the following information : LVNV FUNDING LLC XXXX XXXX XXXX, XXXX SC XXXX {$1000.00} Until you provide the requested verification, please cease collection efforts regarding this account. If you can not provide the required validation, I request that you remove this account from any credit reporting agencies and stop contacting me regarding this matter. All future communication regarding this issue should be made in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I am submitting this complaint regarding my Military Star credit account issued by the Army & Air Force Exchange Service ( AAFES ). I have made multiple attempts to resolve this matter directly with AAFES by requesting a goodwill adjustment for late payment entries reported on my credit file. These late payments occurred during a period of significant military-related obligations while I was serving on XXXX XXXX. Despite submitting more than one request, AAFES responded with nearly identical, template-based replies that only referenced general credit reporting policies and the seven-year reporting period under the Fair Credit Reporting Act. My individual circumstances, including my active-duty service and the context surrounding the late payments, were not meaningfully addressed. I am not disputing the existence of the account. However, I am requesting that AAFES conduct a reasonable and good-faith review of my situation, taking into account my military service, the circumstances surrounding the delinquencies, and my demonstrated efforts to improve my financial standing. Additionally, I am requesting confirmation that all reported late payments have been properly verified in compliance with the Fair Credit Reporting Act, including disclosure of the method of verification and the specific records used to support the reporting. Given the repeated use of generalized responses and the lack of a substantive review, I am requesting that this matter be escalated for executive-level review and reconsideration. I respectfully request a detailed and specific response addressing my situation, rather than a general policy explanation. Thank you for your time and attention to this matter.

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 2026-03-18 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing a complaint regarding Chases handling of a rental car damage charge that took place XX/XX/XXXX, and the associated credit card benefit for rental protection. I rented a vehicle from XXXX XXXX XXXX and was charged a damage excess of XXXX XXXX plus 15 % tax. In XXXX XXXX rentals, the excess functions similarly to a deductible, representing the maximum liability for damage rather than an itemized repair cost. I requested supporting documentation from the merchant multiple times, including a repair estimate or invoice. The merchant did not provide any such documentation and stated they were waiting on a repair shop. It is now XX/XX/XXXX and no repair estimate, invoice, or damage valuation has been provided. I filed a dispute with Chase in XX/XX/XXXX. During the dispute process, the merchant provided only the rental agreement and a receipt showing the excess charge. No documentation substantiating the damage amount or repair cost was provided. Chase upheld the charge based solely on the contractual agreement. I also filed a claim under the Chase Sapphire Reserve credit cards auto rental collision damage waiver ( rental car protection ) benefit. Chase Benefits has refused to process the claim without a repair estimate or invoice, even though the merchant has not provided one and Chase itself was unable to obtain one during the dispute process. This creates a contradiction : Chase upheld the charge without requiring documentation substantiating the damage amount. Chase Benefits is denying coverage because that same documentation is missing. I have made all reasonable efforts to obtain the required documentation, but it is not obtainable. I am effectively being denied reimbursement solely because a third party has not provided documentation that is outside of my control. I am requesting that Chase : Re-evaluate the benefit claim based on the documentation available Not require documentation that is not obtainable Provide a clear and consistent explanation of their policy given the conflicting positions described above This situation highlights a gap where the benefit requires documentation that may not be obtainable in certain rental markets, leaving cardholders without the coverage they reasonably expect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
XX/XX/year> I purchase {$180.00} of XXXX gift cards {$100.00}, {$30.00}, and {$50.00} from XXXX at the time of purchasing them I was told NO REFUNDS. The reason of me purchasing the gift cards was to pay the delivery fee for a grant that was sent priority Mail to my address within 48 hours of paying the fee which was {$180.00}. I got my tracking number and the information needed to give to the the delivery person in order for me to get the package. Mind you this was on a Friday, I looked up the tracking number on XXXX they told me it didn't exist so. Saturday and Sunday I got the same results as I did Friday. By Monday I realize that I was scammed. XX/XX/year> I immediately I filed a report with the Federal trade commission and IC3. AND I FOUND A DISPUTE WITH MY BANK Current, they asked for the receipts- I uploaded, they asked for pictures of the gift cards- I uploaded and they ask for all the conversation I had with the merchants- I loaded had to be zipped and sent them all. They even asked for the case numbers from the Federal trade commission and XXXX. ONLY TO GET TOLD THEY FOUND NOTHING WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
On XX/XX/year>, I initiated an outgoing electronic transfer from my Ally Bank Savings Account, to an external bank account that Ally had previously verified. This transfer was for {$50000.00}. The nature of the transfer was a personal loan. The same day, Ally flagged the transfer as possibly fraudulent, and restricted all access that I have to my account. I called Ally XXXX times to resolve the issue before them telling me on XX/XX/year> that their investigators decided to close the account. I was told that I would receive my funds as a check in XXXX days. On XX/XX/year>, I called Ally again and was told that my account closure is pending and that I will receive my funds as a check in XXXX days. Ally has not given me any access to my account of approx. {$85000.00} in over three weeks which is money critical to my livelihood. They've provided no mail indicating my account is closed, only verbally when I call them. The Ally Bank Savings Account number ends in XXXX. Ally is not providing me access to bank statements at this time.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Previous CFPB complaint ID XXXX CITI INQUIRY ID XXXX Citi responded but did not resolve the issue. They instructed me to create a Citi XXXX account myself, which is not possible because these profiles are provisioned by Citi. The problem remains : my login is mapped to another customers travel profile and credit card, and vice versa. This is a cross-account access issue involving accounts we are not authorized to use. The issue has now been ongoing for over a month after CFPB involvement without resolution.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The credit card account is currently in a former name ( XXXX XXXX XXXX, as the process to update my name with the company has been lengthy and challenging. This has added complexity when communicating with customer service, but I am the authorized account holder and have been actively managing and making payments on the account. I had autopay enabled on my account, and on XX/XX/year>, an autopay payment of {$360.00} was drafted. On XX/XX/year>, I made a full manual payment of {$10000.00} to pay off the balance. I did not intend to carry a balance. On XX/XX/year>, I was charged {$200.00} in interest, along with a $ XXXX monthly fee. This interest charge resulted from timing and autopay configuration, not from intentional borrowing. I contacted customer service and requested an explanation of the interest charge, clarification of why it could not be waived, and escalation to a higher-level supervisor. I was told no one had the resources to assist and was denied further escalation. I am requesting a review and a one-time courtesy reversal of the {$200.00} interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: NCB Management Services Inc.
State: TX

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
Around XX/XX/XXXX, I sent an email to Integra Credit requesting an investigation into an account that was opened without my consent by my late wife using my personal information. On XX/XX/XXXX, they responded by asking me to provide a police report or an identity theft report. The following day, I submitted both an FTC Identity Theft Report and a police report as requested. On XX/XX/XXXX, they finally responded, stating that the documentation I provided was invalid. That same day, I requested an explanation and supporting documentation clarifying why my reports were deemed invalid. I also included an updated FTC Identity Theft Report that specifically referenced their company, along with a detailed explanation of why I consider the account fraudulent and evidence showing that other companies have accepted similar documentation and determined the account to be fraudulent. On XX/XX/XXXX, they rejected my documentation again. This marks the second time they have refused to accept both my FTC Identity Theft Report and police report. Instead, they are requesting bank statements, which are not a standard requirement under the FCRA for identity theft disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Perpay, Inc.
State: OR

Complaint narrative:
Timeline of the ErroXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) : You alerted them to a double charge for a warranty on an order almost paid off and a XXXX charge on a new order.XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Support ( XXXX XXXX acknowledged the duplicates and admitted it " definitely needs to be resolved '' XXXX XXXX XXXX XXXX XXXX XXXX ) : You provided the specific order numbers : XXXX XXXX ( XXXX headphones ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Support ( XXXX ) suggested you cancel and re-order to fix the billing, which you did, but the item then disappeared from the systemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed a case was created to " resolve the duplicate warranty charges ''. Admission of Error : XXXX employees ( XXXX and XXXX XXXX acknowledged the duplicate charges multiple times on XX/XX/XXXX, XXXXSpecific Evidence : Mention that you provided screenshots ( XXXX # XXXX and XXXX XXXX ) showing the Quantity : XXXX and Quantity : XXXX on those warranties.Failure to Reconcile : Despite promising a resolution and having a " case successfully created, '' they never adjusted the balance on the headphone order ( # XXXX ) that you have already mostly paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: NC

Complaint narrative:
I am a resident of North Carolina and obtained a line of credit through CreditFresh. Although this product is presented as a line of credit, the fee structure results in an extremely high effective interest rate. I am currently making payments of approximately {$500.00} per month, but only about {$60.00} is applied to principal, with the remaining amount going toward fees. This structure makes it very difficult to reduce the balance and creates a cycle where most payments do not meaningfully lower the amount owed. North Carolina has strong consumer protection laws and restrictions on high-interest and payday-style lending. The structure of this account appears to function similarly to those prohibited products, using fees instead of traditional interest. I am concerned that this lending product may not comply with North Carolina law and that the cost of the loan is excessive and not reasonably transparent in practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debt validation according to 15usc16g I want them to send me a detailed list of the payments made by me on this account I want to see the signature that I put on contract guaranteeing that I would pay this creditor. I am asking to see has there been any insurance claims found on this Debt. I want proof that you have the chain of title to collect on this Debt. Since it's been charged off and I never received 1099

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Subject : Ally Bank Failure to Release Vehicle Lien VIN XXXX Dear CFPB, I am submitting a complaint regarding Ally Bank and its failure to properly process and report the release of a satisfied vehicle lien for VIN XXXX ( XXXX XXXX XXXX XXXX ). My vehicle loan with Ally was paid in full, and the state of Arkansas issued a clean title in XXXX of XXXX reflecting no lienholder. I was even able to transfer ownership of this vehicle to my daughter, who's name now appears on the title. Despite this, dealer title reports sourced from national title databases continue to show Ally Bank as the active lienholder with Release Date : N/A. Because the lien still appears active, my daughter and I have been unable to complete the sale of the vehicle and have already lost a pending transaction. Over the past 3 weeks, I have repeatedly contacted Ally requesting confirmation that the lien has been released. During these interactions : I was told the lien had been released electronically, which did not happen I requested two fax confirmations, neither of which were sent/received ( Req # 's XXXX & # XXXX ) I have not received any written lien release documentation which I requested Customer service has provided conflicting information regarding whether the lien can be released electronically During one call, a representative terminated the call before the issue was resolved In an effort to resolve the issue directly with Ally leadership, I contacted XXXX XXXX , Chief Legal & Corporate Affairs Officer & Corporate Secretary. She requested my email address so I could provide details of the issue. I promptly responded and explained that Allys failure to release the lien was preventing the sale of my vehicle and causing financial harm. Despite this outreach, I received no follow-up and the issue remains unresolved. Given that the loan has been satisfied and Arkansas issued a clean title, the continued reporting of Ally as an active lienholder reflects a failure to properly process and report the lien release, which is now preventing the sale of the vehicle and interfering with the transfer of property, causing financial harm. I am requesting that Ally immediately correct the reporting of this lien release and provide written confirmation so that the title record accurately reflects that no lien exists and the vehicle sale can proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: AL

Complaint narrative:
I had things removed from my credit file only to be readded dropping my score. I just recently tried to open my llc business account and was denied. I need this looked into and I'm being harassed by creditors.

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 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
I previously disputed this account and requested validation. In response, the company sent a packet of documents ; however, the information provided does not verify that this debt belongs to me. The name they continue to use in their correspondence is incorrect and does not match my legal identity. Despite being notified of this error, they have continued to report and attempt to collect using inaccurate identifying information. The documents provided include a contract and notices that do not clearly demonstrate that I entered into any agreement. There is no proper verification tying this alleged debt to me personally. Providing unrelated or insufficient documentation does not meet the requirements for validation under federal law. Additionally, continuing to report or collect on a debt using incorrect identifying information is a violation of accuracy requirements. I am requesting that this account be investigated and removed from my credit reports, and that NCB Management Services , Inc. cease all collection activity unless they can properly verify the debt with accurate identifying information.

Company response to consumer: Closed with explanation