vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am filing a complaint against XXXX XXXX and Columbia Debt Recovery for reporting an unlawful and unverified debt on my credit report. I moved out of XXXX XXXX on XX/XX/year> under a cashforkeys agreement with management. After moving out, I never received a moveout statement, never received an itemized list of charges, and never received my deposit back. Management changed shortly after I moved out, and no one has provided any documentation. I have contacted XXXX XXXX multiple times requesting : a moveout statement, an itemized list of charges, and an explanation of what happened to my deposit. I have received no response and no documentation. Under RCW 59.18.280, the landlord was required to provide a moveout statement and deposit accounting within 30 days. They did not. Because of this, the landlord forfeited all rights to charge me for damages, cleaning, fees, or unpaid rent. Despite failing to provide the legally required documentation, XXXX XXXX sent a debt to Columbia Debt Recovery, which is now reporting a {$14000.00} collection ( original balance {$13000.00} ) on my credit report. The collection account was opened on XX/XX/year>, even though I received no notice, no accounting, and no explanation of any charges. I have disputed this debt multiple times. Columbia Debt Recovery refuses to remove it and has not provided any verification or documentation. Reporting a debt that violates state law and can not be verified is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB require Columbia Debt Recovery to : Provide full verification of the debt, Remove the collection from my credit report if they can not verify it, and Cease reporting an unlawful and uncollectible debt. I am also requesting that XXXX XXXX be required to provide the legally required moveout documentation and correct their reporting. This debt is not valid under Washington law, and the continued reporting is causing significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, Wells Fargo denied my CFPB complaint. I disagree with Wells Fargo 's conclusion and request reconsideration. Their response acknowledges that " customers are eligible for at least XXXX courtesy refund per fee type at the account level within a rolling XXXX period. '' My account was charged XXXX monthly service fees totaling {$45.00}. If I was eligible for even XXXX courtesy refund, Wells Fargo should reimburse at least XXXX fee. Their response does not state that I previously received a courtesy refund for this fee type or explain why I would not qualify. Wells Fargo also states that because the account was closed on XX/XX/XXXX, it can no longer run the Fee Decision Tool to determine eligibility. Wells Fargo 's internal system limitation should not be used to deny refund consideration. My complaint is not limited to whether a technical " bank error '' occurred. Wells Fargo increased the minimum balance requirement from {$500.00} to $ XXXX 300 % increaseand then assessed fees based on that change. Although Wells Fargo claims notices were included in statements from XX/XX/XXXX through XX/XX/XXXX, I never received effective notice. Had I known, I would have adjusted my balance or moved my banking relationship before fees were assessed. Wells Fargo 's response does not address why such a material change warranted no additional outreach or confirmation that affected customers received notice. I continue to request reimbursement of the {$45.00} in monthly service fees assessed in XXXX, XXXX, and XX/XX/XXXX. At minimum, Wells Fargo should honor the courtesy refund policy referenced in its own response. Wells Fargo 's handling of this matter has caused me to lose confidence in the bank. I will be closing my personal Wells Fargo checking account and credit card if they don't reconsider. I request further review and a substantive explanation regarding my eligibility for reimbursement rather than relying on the account closure to avoid that determination.

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 2026-06-11 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am submitting this complaint because I am the victim of identity theft and fraudulent activity that resulted in unauthorized inquiries and/or accounts appearing on my consumer reports. Pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), 1681i, and 1681c-2, consumer reporting agencies and furnishers are required to maintain reasonable procedures to ensure maximum possible accuracy and to block information resulting from identity theft. I notified the reporting agencies and provided supporting documentation, including my identity theft report and proof of identity. Despite this, inaccurate information continues to be reported, causing harm to my creditworthiness, reputation, and ability to obtain credit. I request the immediate removal and blocking of all fraudulent information related to identity theft, a complete reinvestigation of the disputed items, and written confirmation that the inaccurate information has been permanently deleted from my consumer reports in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: CA

Complaint narrative:
Subject : Follow-Up Complaint Basis for " No Additional Interest '' Determination I am submitting a follow-up complaint regarding Central Research, Inc. ( CRI ) . CRI has acknowledged that my federal student loans were placed into an incorrect graduated repayment tier upon transfer and that this error remained in effect until it was corrected several months later. CRI has repeatedly stated that this acknowledged servicing error resulted in " no additional or excessive interest '' and no financial impact to my account. My concern is that despite multiple complaint responses, CRI has not identified the basis for that conclusion ( most recent response attached ). To resolve this issue, I am requesting a direct answer to the following question : Did CRI perform a comparative analysis between : 1. My actual account history under the incorrectly configured repayment tier ; and 2. The account history that would have existed had the correct repayment tier been applied from the beginning of CRI 's servicing period before concluding that no additional or excessive interest accrued? If such an analysis was performed, please provide the analysis or identify where it appears in the documents previously provided. If no such analysis was performed, please explain the basis upon which CRI determined that no additional or excessive interest accrued as a result of the acknowledged repayment-tier error. I am not requesting additional transaction histories, explanations of interest accrual, or general descriptions of federal student loan servicing. I am requesting a direct response to the specific question above. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield , Inc. is reporting a collection on my XXXX credit report ( account # XXXX ) for {$11000.00}, listing the original creditor as " XXXX XXXX '' The account is inaccurate, inflated, and has never been validated. Failure to validate after promising to. On XX/XX/XXXX I told Hunter Warfield I did not recognize the creditor " XXXX XXXX '' On XX/XX/XXXX Hunter Warfield wrote to me that it had " requested the validation of debt be sent '' and that it would be " emailed to you in a separate email. '' No validation was ever sent. Despite this, the company has continued to report the debt and sent another collection notice on XX/XX/XXXX. The amount is inflated and was never itemized. The property 's own management told me in XX/XX/XXXX that approximately {$6200.00} would bring my account current. The reported balance of {$11000.00} is nearly double that figure. No itemized accounting of the {$11000.00} has ever been provided to me. The creditor is identified inconsistently. The property operated as " XXXX XXXX '' the entire time I lived there. Hunter Warfield 's notices call the creditor " XXXX XXXXXXXX '' ( XX/XX/XXXX ) and then " XXXX XXXX '' ( XX/XX/XXXX ) on the same account number. " XXXX XXXX '' is a later rebrand of the same building ; that name did not exist during my residency, and I did not recognize it. Underlying conduct. While I lived at the property ( XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ), management refused my attempted payments approximately {$4000.00}, then {$3400.00} {$3600.00}, and even a {$400.00} money order and locked me out of online payment, while continuing to add charges that inflated the balance now being collected. After my move-out the property was required under Texas Property Code 91.006 to mitigate damages by re-renting the unit ; I have seen no accounting reflecting that. I believe this violates the FDCPA ( 15 U.S.C. 1692g failure to validate ; 1692e ( 2 ) ( A ) misrepresenting the amount ; 1692f ( 1 ) collecting an amount not authorized ) and the FCRA ( 15 U.S.C. 1681s-2 furnishing inaccurate information ). I have also sent Hunter Warfield a written cease-communication request ( XX/XX/XXXX ). DESIRED RESOLUTION Delete this collection account from all consumer reporting agencies, OR provide complete written validation : the signed lease bearing my signature, a full itemized accounting of the {$11000.00}, proof of mitigation/re-rental under Texas Property Code 91.006 , and proof of authority to collect for " XXXX XXXX '' Cease all collection until validated, and report the account as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase bank in XXXX XXXX Arizona allowed an incapable Trustor to revoke the P.O.A. and Checking account without waiting less than XXXX hours for me to bring Doctors diagnosis deeming trustor XXXX. This coming after Chase bank reviewed my P.O.A. for days 3 months ago. a second freeze and unfreeze. Now incapable trustor running wild with his funds, buying new cars because he can't find where he put his keys. Talk about not in the best interest of Client! Put P.O.A. account back in play and do some homework. I gave you proof but you had already decided for us. Disturbing behavior. If not put back I will follow through the Courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against Experian , Equifax regarding inaccurate, incomplete, and unverifiable information being reported on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b, 1681e ( b ), and 1681i. I dispute the reporting of the following collection accounts : XXXX XXXX XXXX, Original Creditor XXXX XXXX, Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$1700.00}, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX, Balance {$1900.00}. I also dispute the following hard inquiries as unauthorized, inaccurate, or lacking a permissible purpose : XXXXXXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX of XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX XXXX XXXX Despite my disputes, these items continue to be reported without sufficient proof of accuracy or verification. Under the FCRA, consumer reporting agencies are required to maintain maximum possible accuracy and conduct a reasonable reinvestigation of disputed information. I request that each bureau provide competent evidence supporting the reporting of these accounts and inquiries, including documentation establishing ownership, contractual liability, authorization, and permissible purpose. If any item can not be fully verified in accordance with federal law, it must be permanently deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
I am reporting an unauthorized, fraudulent transaction processed through PayPal. The funds were pulled from my XXXX XXXX XXXX debit card. The merchant is XXXX XXXX, which is located overseas. I live in XXXX, Montana, XXXX, and have absolutely no business relationship with XXXX Limited, nor did I authorize any international cross-border transactions. PayPal 's automated system instantly denied my fraud claim and has fully locked the case status as 'closed ' without providing an online option to appeal. I am requesting a manual regulatory audit of PayPal 's failure to investigate this blatant cross-border identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding , LLC ( serviced by Resurgent Capital Services ) is reporting a collection on my XXXX and XXXX credit reports for approximately {$1200.00}, listing the original creditor as XXXX XXXX. This tradeline is inaccurate and unverified, and LVNV has not proven that it owns the debt or has the right to collect it. Unproven chain of title. The original XXXX XXXX account ( XXXX XXXX card ending XXXX ) was closed in XXXX XXXX XXXX sent me a " Notice of Sale of Your Credit Card Account '' dated XX/XX/XXXX. The account was then handled by a different collector, XXXX XXXX, in XX/XX/XXXX. Now LVNV Funding reports it. LVNV must prove the complete, unbroken chain of assignment from XXXX XXXX through to LVNV, with executed bills of sale, and its present authority to collect. It has not. No validation. I have not been provided validation of this debt - no signed cardholder agreement and no itemized accounting showing principal versus interest and fees added after charge-off. Incomplete reporting. On my XXXX report this collection lists NO original creditor, which makes it incomplete and unverifiable. I dispute the amount and the validity of this tradeline as reported. I believe this violates the FDCPA ( 15 U.S.C. 1692g - failure to validate ; 1692e ( 2 ) ( A ) - misrepresenting the amount ) and the FCRA ( 15 U.S.C. 1681e ( b ) and 1681s-2 - furnishing inaccurate and incomplete information ). DESIRED RESOLUTION Delete this collection from all consumer reporting agencies, OR provide complete written validation : the signed XXXX XXXX cardholder agreement, the full chain of assignment/sale from XXXX XXXX XXXX XXXX XXXX XXXX LVNV with executed bills of sale, and an itemized accounting of the {$1200.00} ( principal versus post-charge-off interest and fees ). Cease collection until validated, and report the account as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems , LLC is reporting a collection on my XXXX and XXXX credit reports for approximately {$1500.00}, listing the original creditor as XXXX. This tradeline is inaccurate and unverified. No validation. Jefferson Capital is a debt buyer and must prove the debt and its ownership. It has not provided a signed original XXXX agreement, an itemized accounting of the {$1500.00} ( service vs. any device/installment vs. fees ), or the chain of assignment from XXXX to Jefferson Capital. Possible re-aging of a stale debt. My XXXX account is several years old. I demand the DATE OF ORIGINAL DELINQUENCY. The seven-year reporting period under FCRA ( 15 U.S.C. 1681c ) runs from that original delinquency date not from when Jefferson acquired or began reporting the account. Reporting it with a newer date is unlawful re-aging. The Texas statute of limitations on this debt is XXXX years. Incomplete reporting. On my XXXX report this collection lists NO original creditor, which makes it incomplete and unverifiable. I dispute the amount, the reporting date, and the validity of this tradeline. I believe this violates the FDCPA ( 15 U.S.C. 1692g, 1692e ( 2 ) ( A ) ) and the FCRA ( 15 U.S.C. 1681c, 1681e ( b ), 1681s-2 ). Delete this collection from all consumer reporting agencies, OR provide complete written validation : the signed original XXXX agreement, an itemized accounting of the {$1500.00}, the complete chain of assignment to Jefferson Capital , and the DATE OF ORIGINAL DELINQUENCY. If the reported dates do not match the original delinquency date, correct the re-aging or delete. Cease collection until validated and report the account as disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 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: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
A company called XXXX XXXX charged my account illegally and my bank current is there name will not put the fund back into my account XX/XX/XXXX XXXX filed a dispute the day of the incidents taking place XXXX XXXX still have not received any amount and they made me appeal it 4 times Also XX/XX/year> XXXX appealed 3 times still no funds returned XX/XX/year> And XXXX XXXX still no funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Caine & Weiner is collecting and reporting an alleged debt of approximately {$640.00} on behalf of XXXX ( auto insurance ) on my TransUnion and Equifax credit reports. I dispute that the amount is accurate, and it has never been itemized or validated. My XXXX auto policy was cancelled effective XX/XX/year>. The reported balance of {$640.00} is the figure XXXX says was owed at cancellation, but I have never received an itemized accounting showing that this amount represents only earned premium for the period coverage was actually in force through the cancellation date, or that all payments I made were properly credited. I demand : ( 1 ) an itemized accounting of the {$640.00} - each premium charge by coverage period, each fee, and each payment/credit, by date ; ( 2 ) confirmation that no part of it is premium for any period after coverage ended on XX/XX/year> ; and ( XXXX ) a full ledger showing every payment I made to XXXX was credited. Collecting and reporting an amount that has not been itemized or validated violates the FDCPA ( 15 U.S.C. 1692g, 1692e ( 2 ) ( A ), 1692f ( 1 ) ) and the FCRA ( 15 U.S.C. 1681e ( b ), 1681s-2 ). I have also filed a complaint with the Texas Department of Insurance regarding XXXX 's billing. DESIRED RESOLUTION Provide a complete itemized accounting proving the {$640.00} is only earned premium through the XX/XX/year> cancellation date, with all my payments credited - or delete this collection from all consumer reporting agencies and cease collection until validated. Report the account as disputed in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
After reviewing my CHEX Systems Account, I noticed an account that was not familiar to me. I sent a validation letter to Chex Systems requesting information in regard to the listed account and have yet to receive any information that justifies the reporting of the accounts on my Chex Systems report. Please find the listed account below and the validation letter sent attached. XXXX. XXXX XXXX - ACCOUNT NUMBER 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 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Caine & Weiner is collecting and reporting an alleged debt of approximately {$640.00} on behalf of XXXX ( auto insurance ) on my TransUnion and Equifax credit reports. I dispute that the amount is accurate, and it has never been itemized or validated. My XXXX auto policy was cancelled effective XX/XX/year>. The reported balance of {$640.00} is the figure XXXX says was owed at cancellation, but I have never received an itemized accounting showing that this amount represents only earned premium for the period coverage was actually in force through the cancellation date, or that all payments I made were properly credited. I demand : ( 1 ) an itemized accounting of the {$640.00} - each premium charge by coverage period, each fee, and each payment/credit, by date ; ( 2 ) confirmation that no part of it is premium for any period after coverage ended on XX/XX/year> ; and ( XXXX ) a full ledger showing every payment I made to XXXX was credited. Collecting and reporting an amount that has not been itemized or validated violates the FDCPA ( 15 U.S.C. 1692g, 1692e ( 2 ) ( A ), 1692f ( 1 ) ) and the FCRA ( 15 U.S.C. 1681e ( b ), 1681s-2 ). I have also filed a complaint with the Texas Department of Insurance regarding Progressive 's billing. DESIRED RESOLUTION Provide a complete itemized accounting proving the {$640.00} is only earned premium through the XX/XX/year> cancellation date, with all my payments credited - or delete this collection from all consumer reporting agencies and cease collection until validated. Report the account as disputed in the meantime.

Company response to consumer: Closed with explanation