vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 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: CA

Complaint narrative:
I am filing this complaint regarding a debt collector engaged in improper and potentially unlawful collection practices. 

I disputed the alleged debt and clearly asserted my rights under the Fair Debt Collection Practices Act. Despite this, representatives of the collection agency engaged in aggressive and antagonistic conduct during phone calls, including raising their voices, speaking in a hostile manner, and attempting to pressure me while the debt was disputed. 

The behavior appeared intended to intimidate and coerce payment rather than provide lawful verification of the debt. This conduct may constitute harassment or abuse prohibited under XXXX U.S.C. XXXX. 

The alleged debt relates to a former apartment lease. I moved out XXXX month early, and I dispute that the amount claimed reflects actual, legally recoverable damages. I have requested written validation of the debt and have instructed the collector to communicate only in writing. 

I am requesting that the Consumer Financial Protection Bureau review this matter for compliance with federal debt collection laws and require the collector to cease improper conduct. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
I am submitting this complaint regarding Bridgecrests attempt to collect an alleged deficiency balance of {$8200.00} following the repossession and sale of my vehicle in South Carolina. 
I did not receive any of the legally required notices before or after the sale of the vehicle, including : Pre-sale notice Notice of intent to sell Notice of sale Post-sale accounting On XX/XX/year>, I sent Bridgecrest a formal written request disputing the deficiency balance and requesting written verification and documentation, including proof of notice, method of sale, sale price, and a full itemized accounting. I also requested that all future communication be in writing only. 
On XX/XX/year>, Bridgecrest responded with a generic email stating that they can not discuss account specifics by email and instructing me to call customer service. Their response failed to address or provide any of the requested documentation and ignored my lawful request for written communication only. 
Bridgecrest has not validated the alleged deficiency balance and has failed to demonstrate compliance with South Carolina law and applicable Uniform Commercial Code ( UCC ) requirements, including proper notice and commercially reasonable disposition of collateral. 
Until proper validation is provided, I dispute this alleged deficiency balance in full. Bridgecrests refusal to provide written verification while continuing collection efforts is improper and potentially unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I am submitting this complaint regarding Chase Banks handling of an account balance that remains open without providing me clear information about the amount owed. Chase has indicated that I have an outstanding balance, but has not disclosed the specific XXXX  amount, making it impossible for me to resolve the issue despite my repeated willingness to do so. 

I want to pay any legitimate balance owed in full, but I can not do that without knowing the exact amount or receiving a clear statement explaining how the balance was calculated. The lack of transparency has prevented me from settling the account and moving forward, even though I am actively attempting to resolve the matter in good faith. 

In addition, I am seeking the opportunity to open a Chase XXXX XXXX account once the balance issue is resolved. I believe it is reasonable to expect that Chase provide the necessary information to allow payment of any outstanding balance and consider me for a XXXX XXXX account rather than leaving the matter unresolved indefinitely. 

I am requesting that Chase provide a written statement of the exact balance owed, instructions on how to pay it, and confirmation that once paid, I will be eligible to open a XXXX XXXX  account or be informed of any remaining requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting a complaint regarding XXXX and XXXX XXXX XXXX XXXX These accounts are old, charged-off, and inaccurate, and they should not be appearing on my credit reports. I did not open some of these accounts, and the information reported is misleading and potentially fraudulent.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i & 1681e ( b ) ), consumer reporting agencies must maintain only accurate, complete, and verifiable information. Accounts that can not be verified must be removed from all credit reports.

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 2026-01-07 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I submitted a written debt validation request to Fair Collections & Outsourcing pursuant to FDCPA 809 ( b ), requesting full validation of the alleged debt, including proof of ownership, chain of title, itemized accounting, and payment history.

Fair Collections failed to provide proper validation. The only document provided was a copy of a lease, which does not establish the amount owed, how the balance was calculated, legal standing to collect, or chain of title.

Despite failing to properly validate the debt, Fair Collections continues to report this collection account to XXXX XXXX and XXXX. 

Continued reporting without proper validation constitutes improper collection activity and inaccurate credit reporting in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint concerns an unresolved issue involving a stolen refund check issued by Bank of America on XX/XX/XXXX, related to Case ID XXXX, in the amount of {$2100.00}. 

In XXXX, I mistakenly made two credit card payments through Bank of Americas Bill Pay system. Because the payments did not process correctly, Bank of America issued two refund checks. Both checks were stolen from my mailbox. At the time, I was frequently on the road for work as a truck driver, and I have documentation ( including logbooks and location records ) showing that I was not present when the theft occurred.

I reported the theft to Bank of America, and two cases were opened. During the initial investigation, Bank of America informed me that they had identified the person who cashed the stolen checks and that it was not me, confirming that the checks were fraudulently negotiated. One of the two cases was resolved, and I received that refund. However, the second refund check associated with Case ID XXXX for {$2100.00} has never been reissued or credited. 

Bank of America later claimed that they contacted me in XXXX and requested documents, and that the case was closed because I did not respond. This is not accurate. I never received any letters, emails, or calls requesting documentation, and I only recently learned that the case had been closed. Throughout this period, each time I contacted customer service I was given inconsistent informationsometimes being told the case could take years, other times that it would be resolved in a few months or that I would be contacted soon. Despite these assurances, I never received any resolution.

I was provided with Bank of Americas payment processing contact information, yet I was still never properly contacted or given the opportunity to submit documents before the case was closed. The contact information provided was : XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, FL XXXX ; Fax : XXXX. 

Bank of America has now stated that they will not refund my money, citing untimely notification. I believe this is unfair and improper because the theft was reported, the bank acknowledged that the check was cashed by someone else, one of the two related cases was successfully resolved, I was never properly contacted for documents, and the refund of {$2100.00} remains outstanding after several years.

I am requesting that Bank of America fully review this matter and either reissue the stolen refund check or credit the {$2100.00} to my account.

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 2026-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX. 
Ssn - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am an Apple Card holder ( issued by Goldman Sachs Bank USA ) and a victim of identity theft. I have active fraud alerts on my credit files, as documented by XXXX and the FTC. On three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I requested a credit limit increase. In each instance, my request was summarily refused. 
The bank confirmed via XXXX  and in a follow-up phone call with a manager on XX/XX/XXXX that the sole reason for the refusal is the presence of a fraud alert on my XXXX  credit report. The bank stated that because their system is " automated, '' they have no method to manually verify my identity or process the request while a fraud alert is active. 
I have been a customer since XXXX with an account in good standing and no missed payments. My credit score is currently in the XXXX range. I currently have an installment plan amount greater than my credit limit, which makes the card effectively unusable without an increase. 
I informed the bank that I would not be removing the fraud alert due to the past identity theft and that they were discriminating against me by not offering a path to verify my identity. I offered to provide documentation including my passport and service bills with my address to verify my identity, but the bank repeatedly refused to accept this documentation, stating they " would not service '' the request due to their system limitations. 
I believe these actions violate the following : ECOA / Regulation B ( 12 CFR 1002.2 ) : Refusing to process a credit increase because of a fraud alert is discrimination against a consumer for exercising a protected right under the Consumer Credit Protection Act.

CFPB Circular 2022-03 : A creditor can not use the " complexity '' or " automation '' of its internal systems as a defense for failing to provide a valid reason for adverse action or comply with law.

FCRA Identity Verification Standards : Goldman Sachs policy of blanket refusal rather than utilizing available verification methods effectively penalizes victims of identity theft who are otherwise qualified applicants.

The banks refusal to provide a manual override or verification path denies me equal access to credit services solely because I took the legal and recommended steps to protect my identity following a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: MS

Complaint narrative:
I was contacted by a debt collection agency, TrueAccord, on Tuesday, XX/XX/year>, regarding a XXXX account with an outstanding balance of {$87.00}. I did not open this account, authorize any purchases, or agree to any payment plan with XXXX. This is a case of identity theft. 

I have not made any payments, nor have I contacted XXXX or TrueAccord prior to receiving their notice. 

I am requesting that this account be investigated as fraudulent, that TrueAccord cease all collection activity, and that XXXX be informed that this debt is not mine. I will be filing an official FTC Identity Theft Report to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: NV

Complaint narrative:
I made a huge mistake signing a contract with Night Winds Lending LLC. From XXXX And the first payment of this loan was on XX/XX/XXXX of {$160.00} And the second payment was on XX/XX/XXXX. Of {$160.00} Suppose to be XX/XX/XXXX due to I ' am not wanting the automatic payment and I turn it into Manual pay. And the third payment is due on XX/XX/XXXX of {$160.00} And I request that my identity and personal information including email not be disclosed to Night Winds Lending LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am submitting this complaint against the U.S. Department of Education/Nelnet for inaccurately reporting multiple late payments on my consumer credit file without providing proper verification as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I formally disputed the late-payment history reported on the referenced accounts for the specified months and requested confirmation of how these alleged delinquencies were calculated in relation to the account balances and statuses at the time. To date, Nelnet has failed to provide competent evidence, complete payment histories, or documentation demonstrating that these late payments were accurate, timely, and legally reportable. Reporting unverified or improperly calculated late payments is materially misleading and has caused ongoing harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: MS

Complaint narrative:
I was contacted by a debt collection agency, XXXX, on Tuesday, XX/XX/year>, regarding a Klarna account with an outstanding balance of {$87.00}. I did not open this account, authorize any purchases, or agree to any payment plan with Klarna. This is a case of identity theft. 

I have not made any payments, nor have I contacted Klarna or XXXX prior to receiving their notice. 

I am requesting that this account be investigated as fraudulent, that XXXX cease all collection activity, and that Klarna be informed that this debt is not mine. I will be filing an official FTC Identity Theft Report to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Complaint Narrative I am filing this complaint to dispute a collection account being reported by National Credit Systems in the amount of approximately {$5100.00}. I believe this account is inaccurate, unauthorized, and the result of improper handling of my information by my former apartment complex. 

I lived at my former apartment for approximately XXXX ( XXXX ) years and left in good standing. I was never informed of any outstanding balance when I moved out, nor did I receive any move-out charges, final bill, or notice from the property management company. 

Several months later, I discovered on my credit report that a third-party collection agency ( National Credit Systems ) was reporting that I owed over {$5000.00}. This was the first time I became aware of any supposed debt. 

During this time, the apartment property had changed ownership and management. When I went to the property to ask for an explanation and documentation, I was told that because it was new management, they could not assist me and had no records regarding my account. They also confirmed they did not send me anything. 

I did not give consent for my personal information to be transferred or sold to a third-party collection agency, particularly without any prior billing statement, notice, or attempt to contact me. I consider this to be improper and potentially unlawful handling of my information. 

To date, National Credit Systems has not provided me with : A full itemized accounting of any alleged charges Copies of my lease records or move-out inspection Proof that I owe this debt Proof they have the legal right to collect it Instead, they are continuing to report this collection to the credit bureaus, which is causing serious harm to my credit and financial standing. 

I am requesting that the CFPB review this matter and require the company to : Provide full validation and supporting documentation of this alleged debt ; or Remove the collection entirely from my credit reports if they can not prove it is valid and legally owed. 

I dispute this collection in full, and I believe it is inaccurate, unfairly reported, and mishandled by both the apartment management and the collection agency. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am registering a complaint against Chase Bank. 

I hold a Chase Sapphire preferred credit card and registered for a credit card offer to receive 10 % back ( up to {$50.00} ) from XXXX XXXX. On XX/XX/XXXX I registered for this offer and on XX/XX/XXXX I made a transaction for {$500.00}. I would have expected to received {$50.00} back, but it was never recieved. The offer was advertised to expire on XX/XX/XXXX I have contacted chase several times and have been told i either A ) Didn't register for the promotion prior to spend or B ) did not complete the transaction within the required time frame. Both of these are false statements. 

I am attaching the following to support my complaint : XXXX ) Screenshot of the orignal offer XXXX ) Proof from my cardpointers app showing i activated the offer on XX/XX/XXXX XXXX ) My receipt from tory burch showing the purchase was made on XX/XX/XXXX ( I purchased a gift card which was not excluded in the terms )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: OR

Complaint narrative:
SUBJECT : Unlawful Retention of Credit Balance ( {$34000.00} ) & Violation of Regulation Z 1026.11 The Violation : First National Bank of Omaha ( FNBO ) is unlawfully retaining {$34000.00} of my funds. This represents a " credit balance '' under 12 C.F.R. 1026.11 ( a ) that FNBO failed to refund within XXXX business days of my written request. 
The Facts : XXXX. Double Collection : FNBO accepted and settled XXXX checks on my account in XXXX ( {$11000.00} and {$22000.00} ). Months later ( in XXXX case, over XXXX  months ), FNBO " reversed '' these credits on the statement but did not return the funds to the originating banks. 

XXXX. Consumer Payoff : In XX/XX/XXXX, I personally paid the full reinstated balance ( {$110000.00} ) with my own funds. 

XXXX. Resulting Credit Balance : Because FNBO kept the cash proceeds from the original checks and collected my full payoff, they effectively collected XXXX % of the debt. The surplus {$34000.00} is a credit balance belonging to me. 

The Demand : I sent a formal legal demand via Certified Mail to FNBO 's President and Legal Department on XX/XX/XXXX. The letter cited UCC 4-215 ( Final Payment ) and Regulation Z. The XXXXbusiness-day deadline expired on XX/XX/XXXX. FNBO has failed to refund the money or produce any evidence ( trace numbers/R-codes ) proving the funds were returned. 

Regulatory Implication : FNBO appears to be holding these consumer funds in a suspense/unapplied cash account in violation of OCC reconciliation guidelines and refusing to refund them despite a clear Regulation Z mandate. I am requesting the CFPB compel FNBO to release the {$34000.00} immediately.

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