vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g. I am requesting validation of this alleged debt. Please provide the following information : 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including an itemized breakdown of fees, interest, or other charges. 3. Documentation showing that I am legally obligated to pay this debt. 4. A copy of any agreement bearing my signature that demonstrates my responsibility for the debt. 5. Proof that your company is authorized to collect on this debt in my state. 6. The date the debt was incurred and the date of last payment. Until you provide proper validation as required by 15 U.S.C. 1692g, you must cease all collection activities and communication with me regarding this matter. If this account is reported to any credit reporting agency without proper validation, it will constitute a violation of federal law. If you are unable to validate this debt, I request that you immediately remove this account from your records and notify any credit reporting agencies to which you have reported it. Please respond in writing only. I request that all future communication regarding this matter be sent to the address listed above. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am disputing a debt being collected by Columbia Debt Recovery LLC ( DBA Genesis ) on behalf of XXXX XXXX. I leased an apartment beginning XX/XX/XXXX, with a monthly rent of {$2100.00}. I vacated the unit on or about XX/XX/XXXX due to XXXX XXXX, which was reported to property management. At the time I vacated, the balance was approximately {$4600.00}. After I moved out, the balance increased to over {$13000.00}. On XX/XX/XXXX, I received a collection notice from Columbia Debt Recovery. I submitted a written dispute requesting full validation of the debt, including a lease, complete ledger, itemized charges, proof of mitigation of damages, and justification for all fees. The company provided a lease and ledger, but the information does not support the amount being claimed. The ledger shows that I was charged full rent and additional fees after I vacated the unit. Under Washington law, landlords are required to mitigate damages by making reasonable efforts to re-rent the unit. No documentation has been provided showing that the unit was re-rented, when it was re-rented, or what efforts were made. Additionally, a {$4200.00} termination fee was added, which appears to be a flat charge equal to approximately two months rent. There is no documentation showing that this reflects actual reletting costs. The balance increase from approximately {$4600.00} to over {$13000.00} has not been adequately explained and appears to include charges that may not be legally recoverable. Prior to vacating, I made good faith efforts to resolve the balance by coordinating rental assistance through a third-party organization, but those funds were refused. A significant portion of my rent payments were made through XXXX XXXX assistance programs, demonstrating my good faith efforts to maintain the tenancy and resolve the balance. I made arrangements for rental assistance through a XXXX XXXX support organization, those funds were refused by the property management. Despite my good faith efforts to resolve the balance, the landlord proceeded with eviction actions while I had already informed them that I was fleeing XXXX XXXX. This sequence of events raises serious concerns regarding the legitimacy of the charges being claimed and whether the landlord acted in good faith.. Despite disputing this debt and requesting proper validation, the company continues to attempt to collect the full amount without addressing these issues. I believe the amount being collected is inaccurate and inflated, and may include charges not permitted by law. I am requesting that the balance be corrected and that any unsupported or unlawful charges be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account ( XXXX ) was permanently restricted over XXXX years ago ( prior to XXXX ). At the time of the restriction, PayPal withheld a balance of {$1200.00}. Under the PayPal User Agreement, funds from restricted accounts are typically held for a maximum of XXXX days to cover potential chargebacks or disputes. That XXXX window expired more than XXXX years ago. Despite the conclusion of this risk period, PayPal continues to withhold my property ( {$1200.00} ) without providing any legal or contractual justification. I have attempted to resolve this through PayPals standard support channels over the last XXXX years, but my inquiries have been ignored or met with automated responses that do not address the release of my funds. I am requesting the CFPBs assistance to : Compel PayPal to perform a manual review of account XXXX. Facilitate the immediate release of the {$1200.00} balance via a wire transfer to an account I will provide to PayPal upon their confirmation of fund release. I do not wish for these funds to be sent to my address on file, nor to any state unclaimed property office. I want to reiterate that my preference is for the funds to be wired directly to my designated account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I am filing a complaint against Citibank regarding a {$7000.00} vehicle purchase from Deals for XXXX on XX/XX/XXXX. Before I bought the car, I asked the salesperson multiple times whether the vehicle had any electrical, water, or mechanical issues, and they assured me it did not. Within a day, I noticed a burning smell. I reported this immediately, and on XX/XX/XXXX, I returned the car. The salesperson dismissed my concerns, attributing the smell to a cleaning product, even though the electrical issueslike hazard lights turning on by themselvespersisted. I provided Citibank with detailed evidence, including reports from an XXXX dealership and a certified mechanic, proving the car was misrepresented and unsafe. Despite this proof, Citibank denied my dispute, relying solely on the merchants claim that I still had the vehicle. I ask the CFPB to investigate this matter thoroughly, as Citibank failed to give proper consideration to the evidence, and I ask that they avoid any retaliatory actions, such as closing my account. Thank you for your time and assistance.

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 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
There has been improper use of my credit report. On XX/XX/XXXX, creditor placed am collection on my credit consumer account dated opened XX/XX/XXXX. This is inaccurate information & my credit file has a freeze for all XXXX credit reporting companies that I placed since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I emailed my loan servicer, Nelnet, after noticing that my student loan balance had increased between XX/XX/XXXX and XX/XX/XXXX. At that time, I was enrolled in the SAVE repayment plan, under which interest should not have been accruing in a way that increases my balance. My balance in XX/XX/XXXX was {$390000.00}, and by XX/XX/XXXX it had increased to {$390000.00}. I believe my balance had been increased prior to XXXX, as well. There are no monthly statements in my account from XX/XX/XXXX to XX/XX/XXXX. I contacted Nelnet via email to request clarification regarding this increase. In response, I was provided with a phone number to call. However, when I called that number, I was unable to reach a representative or speak with a live person to address my concerns. As a result, I have not received a clear explanation for the balance increase or the apparent interest charges. Due to these issues, my loan balance has grown in a way that I believe may be inconsistent with my loan terms and repayment plan protections. This has created a financial burden that feels both unsustainable and inequitable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I see a notification from XXXX XXXX, a loan is available.They approve 100 % of all applications.After I gave them all the necessary information, they showed me some dollars as a loan on that website.I gave them my bank details to withdraw the money from that loan. Like, XXXX debit card information, and billing address.When I went to the final stage to withdraw the loan amount, they showed me a withdrawal failure and blocked my account.Then I couldn't trace them anymore.As far as I can tell, my account card information was compromised from here. The real problem is that they started a transaction on a XXXX website ( XXXX ) using that card from another bank.They make a few transactions amount {$100.00} And {$43.00} total {$140.00} ( approx ) When I saw these transactions, I contacted customer support and filed a complaint. They accepted my complaint and after investigation, they rejected the dispute. First evedance, I don't have a XXXX account. And my XXXX debit card is compromised. Now I want to know, XXXX why rejected my dispute.give me a document, And give me a full refund. I request CFPB and XXXX team please review my case carefully. My XXXX account details : Mail : XXXX XXXX XXXX XXXX ( now replace ) {$43.00} Transaction ID XXXX $ XXXX ID XXXX Why XXXX Decision is Wrong : Under Regulation E ( Electronic Fund Transfer Act ), an " unauthorized electronic fund transfer '' includes transfers initiated by a person who obtained the access device through fraud or without the consumer 's actual authority. I was a victim of a credential-harvesting scam. I did not authorize a payment to XXXX. XXXX has failed to provide a thorough investigation or fulfill their consumer protection obligations. Note : I don't have a XXXX account .I want to full refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I have filed many complaints against XX/XX/XXXX and the handling of my private student loan several times. I have most recently filed a loan discharge with XX/XX/XXXX and was denied. XX/XX/XXXXhas denied my XX/XX/XXXX request, stating that my private loan is ineligible because the funds were not sent directly to the school. However, all proceeds were used for tuition and educational expenses at XXXX, an institution that has been documented for deceptive and fraudulent recruiting practices. I also had to take out the private loan to pay monthly tuition to the school every month which was a requirement. This denial appears inconsistent with the intent of XXXX XXXX XXXX XXXX program, which was designed to compensate borrowers harmed by fraudulent schools. The direct disbursement limitation has no clear regulatory or contractual basis and arbitrarily excludes borrowers who were equally misled. I am requesting that the CFPB and/or my state attorney general review whether : XXXX discharge criteria align with the representations made in its settlement agreements and public statements. Its direct disbursement exclusion violates consumer protection statutes or constitutes an unfair, deceptive, or abusive act or practice under the Dodd-Frank Act ( XXXX XXXX. XXXX ). Please request that XX/XX/XXXXprovide justification and documentation for its denial and reconsider my application under the full scope of borrower protection intended by the program. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Lennar Financial Services, LLC
State: NE

Complaint narrative:
I have spoken with XXXX XXXX in regards to purchasing a home. As far as what they do, they sound perfect. But there are underlying predatory issues going on. It is the way they are using my information. I find them to be negligent and damaging towards my life. They probably thought I was too stupid to understand that was a real violation against my rights to life. But I thought for my own safety this would be the best way to discuss the situation. I was a real applicant. But as you can see they took advantage of my life against my free will and would have me killed. So how would I even make it buying a phone through them? I'm not originally from the area which makes it harder for me knowing they try to get away with these kinds of behaviors.

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 2026-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
on XX/XX/year> Received a satisfactory letter stating the debt was paid. I am requesting that they report to Chase Credit card company that the debt is paid as agreed. XXXX XX/XX/year> XXXX XXXX XXXX still sent me a letter stating I still owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled! To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I am submitting this complaint regarding a debt collection matter involving Aldridge Pite Haan LLP. I acted in good faith to resolve a judgment account by paying the full balance displayed in the firms official online payment portal. I been paying off my balance for years. I was finally ready to paid it off. At the time of payment, the system showed a balance of {$220.00}. I paid this amount in full and received system-generated confirmation reflecting a zero balance. I also downloaded receipts and confirmation documentation stating the account was satisfied. After my payment cleared, I contacted a representative from the firm for a written letter in the mail, The representative claimed a higher balance was owed and stated the online amount had been an error. This was never communicated to me before payment. I relied on the balance presented in their official system and completed payment accordingly. I am concerned that attempting to collect additional funds after issuing a zero-balance confirmation may violate federal consumer protection laws, including : The Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), which prohibits false, deceptive, or misleading representations in connection with debt collection. The Fair Debt Collection Practices Act ( 15 U.S.C. 1692f ), which prohibits unfair or unconscionable means of collecting or attempting to collect a debt. If a debt collector provides an official payoff amount and accepts payment, it is reasonable for a consumer to rely on that representation as accurate. Additionally, I experienced unprofessional and discourteous conduct from staff when attempting to clarify the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am filing a complaint regarding Citibanks handling of a billing dispute for a {$920.00} charge from XXXX XXXX XXXX XXXXXX/XX/year> for electronic event tickets that were never received. I disputed this charge as merchandise/services not received because the tickets required a third-party electronic transfer via XXXX, which I never received or accepted. Without receiving the transfer, I could not access the tickets. Citibank issued a provisional credit but later reversed it after receiving the merchants response. Citibank did not provide any substantive explanation of its decision and only stated that the merchants response was enclosed. The merchants submission does not provide proof of completed delivery. It shows purchase details and a claim that a transfer was initiated, but there is no evidence that any ticket transfer was received, accepted, or made accessible to me. For electronic ticket transfers, delivery is only completed when the transfer is successfully received and accepted by the recipient. This did not occur. I requested clarification and reconsideration, but the decision was upheld without addressing the lack of proof of delivery. I am requesting that Citibank reopen and properly investigate this dispute, provide a clear explanation of its determination, and apply the correct standard for completed delivery of electronically transferred goods.

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 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX, I made a payment of {$3600.00} to XXXX XXXX XXXX XXXX XXXX XXXX the authorized collection agency for XXXX XXXX XXXX XXXX XXXX issued a written confirmation on XX/XX/XXXX stating that they received the payment and that XXXX XXXX XXXX accepted it and applied it to the account. Despite this, Cavalry Portfolio Services is reporting a {$6100.00} balance, a {$6100.00} pastdue amount, and no payment history. This is mathematically impossible based on the documented payment that XXXX accepted. Cavalry is reporting the full balance as if no payment ever occurred. Cavalry is also reporting an opened date of XX/XX/XXXX, even though XXXX was collecting on the account in early XXXX. This creates an ownership and timeline conflict. Cavalry has not provided verification, chain of title, or documentation showing how they calculated the reported balance. I disputed the account, but Cavalry did not correct the inaccurate information. The reporting remains incomplete and inconsistent with the original creditors records. This appears to violate FCRA accuracy and completeness requirements. I am requesting a full investigation and correction or deletion of the inaccurate tradeline.

Company response to consumer: Closed with explanation