vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I recently obtained a copy of my credit report and discovered a collection account reported as XXXX XXXX for {$7200.00}, and I have absolutely no knowledge of this alleged debt. Prior to this account appearing on my credit report, I never received the required written notice of the debt as required under the Fair Debt Collection Practices Act ( FDCPA 809 ( a ) ). After discovering the account, I sent a written request asking the company to provide proper debt validation and documentation verifying that this debt exists and that I am legally responsible for it. It has now been well over 60 days and I still have not received any response or validation from the company. I have also filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. Based on my research, other consumers have reported similar issues involving this company reporting debts without providing proper validation. Reporting an unverified debt and failing to provide validation raises serious concerns regarding compliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act ( FCRA 623 ), and XXXX XXXX reporting standards, which require information furnished to credit bureaus to be accurate, complete, and capable of verification. I am calling on the Consumer Financial Protection Bureau, the Federal Trade Commission, and the appropriate Attorney Generals Office to investigate this companys practices and hold them accountable for reporting alleged debts without proper validation and for failing to provide the required notice to consumers before reporting the account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Credence Resource Management is reporting a collection account on the consumer 's credit report for an alleged XXXX account. The consumer disputes liability for this debt. After requesting validation, Credence only provided billing summaries and did not provide a signed service agreement, proof the account was opened by the consumer, or documentation showing legal ownership or assignment of the alleged debt. Additionally, the documentation provided shows billing activity in 2022, while the credit reporting agencies are reporting a removal timeline inconsistent with the alleged delinquency dates. This raises concerns that the date of first delinquency is being reported inaccurately. The consumer is requesting proper validation of the alleged debt and correction or deletion of inaccurate credit reporting in accordance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
The promotional offer for purchasing furniture from Arhaus began on XX/XX/XXXX and ended on XX/XX/XXXX. It was not explained by the bank or salesperson about the deferred accrued interest if it was not paid in full by XX/XX/XXXX. The total purchase of goods was {$15000.00}. The accrued interest is over {$3600.00}. The total balance is over {$18000.00}. I have continued to call the bank and every time I call which had been over 5 times they hang up on me after telling me they will transfer me to a higher manager. I feel like I am not being respected as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
We had Mr Cooper for our mortgage since XXXX, as of XXXX my husband started paying the mortgage on auto pay then back in XX/XX/XXXX my husband 's bank account was compromised so we had to stop the auto pay when we would call no one would speak kept getting a recording then it would hang up we also emailed them and no answer when we finally got though a lady by the name of XXXX told us if we make a payment we could get the 6 month furlough which we did on the XXXX of XXXX. When we went to make the call we kept getting Rocket Mortgage not even being notified of Mortgage company taking our loan. And of course home owners would not cover the pipe broken from the freeze or the shattered sliding glass door. The reason we asked for 6 months is I have a ssi hearing in XXXX that will help with the repairs for my husband covers everything because im out of work due to lupus flares at my age of XXXX. When we tried to call Rocket Mortgage we were unable to speak with anyone amd everytime we both through we were put on hold for over 2 hours. I also tried to email amd never heard back. Left voice mails never heard back and now they have us on default when we have been trying and trying to communicate and nothing they call every day every hour looking for payment but no options to talk to anyone so if you can please help with this. We would very well appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: TX

Complaint narrative:
debt collector keep calling me repeatedly after i told them not to call me, and they keep sending text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good morning, XXXX XXXX checking account ending in XXXX is currently frozen due to the fraud investigation related to the unauthorized {$4800.00} withdrawal on XX/XX/year>. However, this account receives my Social Security benefits, which have been deposited in XXXX, XXXX. I currently have no access to these funds. I tried to resolve this issue with Citibank, but without success. This benefits are my primary source of income and are protected federal payments. The account freeze is preventing me from accessing my basic living funds and from making my XXXX payment to Citibank. Im requesting immediate assistance to restore access to my protected Social Security funds while the investigation continues. Thank you. Sincerely, XXXX 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 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a complaint regarding Citi 's handling of my credit card dispute. I disputed charges from an XXXX rental car company due to deceptive pricing practices. My dispute was initially credited, but later reversed after the merchant responded. However, Citi never obtained a full written explanation from me and categorized the dispute incorrectly. The issue was not that the product was unacceptable. The issue was misrepresentation of total rental cost and billing practices. I am requesting Citi properly review this dispute under billing misrepresentation rather than product dissatisfaction. I am also concerned Citi reversed the provisional credit without fully investigating my claims. I am requesting : Proper dispute reconsideration Review of merchant billing practices Confirmation proper dispute procedures were followed XXXX 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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Diversified Adjustment XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Diversified Adjustment I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows XXXX XXXX XXXX Diversified Adjustment XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable. If the furnisher of this information can not provide proper documentation proving the validity of this debt including an original signed agreement and itemized accounting it must be removed immediately from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
Harris & Harris LTD XXXX XXXX XXXX XXXX IL XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to a notice I received regarding the above-referenced account. Under my rights pursuant to the Fair Debt Collection Practices Act, I am requesting validation of this alleged debt. I have mailed and called to received a debt validation from this company and I still haven't received anything. I spoke with XXXX on XX/XX/year> and she failed to provide me with validation. I'm requesting again the following. 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 any interest, fees, or charges added. 3. Documentation showing that I agreed to or am legally responsible for this debt. 4. Proof that your agency has the legal authority to collect on this debt. 5. A copy of the original contract or agreement bearing my signature. 6. Verification that the debt is within the statute of limitations for collection in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : Formal Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) DeaXXXX XXXX & Southwest Credit Systems I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows : XXXX & Southwest Credit Systems XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable. If the furnisher of this information can not provide proper documentation proving the validity of this debt including an original signed agreement and itemized accounting it must be removed immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: OR

Complaint narrative:
Key bank sent out a promotion flier - {$500.00} cash bonus with the requirements upon a checking account opening. I brought the flier to the bank and opened an account and met the requirement and double checked. I opened the bank account in XX/XX/XXXX. {$500.00} cash bonus was supposed to come in XX/XX/XXXX. ( 3 months after opening the bank account ). Until now ( as of XX/XX/XXXX ) Bonus hasn't come in and I have talked to the agent many times, visited the office and talked to a manager, emails back and forth, the problem does not get solved and I only kept hearing them saying the problem is being handled until now. but now my follow up calls and emails are ignored and I do not think they are willing to resolve the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Today XX/XX/26 I called XXXX XXXX XXXX at National Credit Systems to settle an account with XXXX. She was rude, disrespectful and disconnected the call while I was talking to negotiation. She was dishonest about their policies and refused to confirm them. I asked to speak with a supervisor to better help my situation but she refused to transfer the call and took it upon herself to dictate the policies and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: LA

Complaint narrative:
Money was taking off my chime card, while my phone was stolen, mind you I dont keep a laws ode on my phone for various reasons ; but the told me I consented to sending the funds so I couldnt get my money back ; even so that my phone was stolen. I asked them how did I consent if my phone was stolen ; - They just replied with the same answer, it was consented to send I even tried requesting a dispute for the dollar ; thats all they gave me back from the {$1100.00} that was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I spoke with a BMW Financial Services representative regarding my past-due balance. During that call I was told I had until XX/XX/XXXX to pay the remaining XXXX balance ( approximately {$310.00} ) and until XX/XX/XXXX to make my next monthly payment. I was also instructed to call after making that payment to arrange a promise-to-pay plan for the following month until my account became current. I relied on those instructions in good faith and believed my account was compliant with the timeline the BMW representative provided. BMW Financial Services attempted to call me during this period, but because I had been told I had until XX/XX/XXXX to make the next payment, I did not believe the account was at risk of repossession before that date. On XX/XX/XXXX BMW Financial Services repossessed my XXXX BMW XXXX XXXX, which occurred XXXX days before the payment date I had been instructed to follow. When I contacted BMW Financial Services to resolve the issue, I requested the ability to make payment to recover my vehicle and asked to speak with a supervisor or escalation team. I was told that I could not speak with a supervisor and could not be transferred to an escalation team. I also requested the recording of the XX/XX/XXXX call, which I believe will confirm the payment instructions that were provided to me. The company has not confirmed they will provide that recording. Because I relied on the payment instructions given by the BMW Financial Services representative, the repossession appears inconsistent with the guidance I was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : XXXX & Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUBJECT : Formal Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) Dear, XXXX & Jefferson Capital Systems I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows : XXXX & Jefferson Capital Systems XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable. If the furnisher of this information can not provide proper documentation proving the validity of this debt including an original signed agreement and itemized accounting it must be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Validation of Debt Request - SPRINGOAKCAP - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief