vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting related to a residential lease account in the amount of {$4400.00}. In XXXX and XX/XX/XXXX, I disputed this account and notified the company that the balance was incorrectly attributed to me. I provided supporting documentation at that time, including information showing that a co-tenant was responsible for the damages and remaining balance. The only response I received was a generic acknowledgment stating that the account had been noted, and I was never provided with any investigation results, validation of the debt, or explanation of my individual liability. I made additional good faith efforts to resolve the matter, including requesting confirmation of whether the co-tenant had established a payment arrangement for the balance. No meaningful response or documentation was provided. Despite my dispute, the account continued to be reported as my personal debt without correction. I did not receive further communication regarding any investigation or resolution for nearly three years. In approximately XX/XX/XXXX, the account was escalated to collections without addressing my prior disputes or providing validation of my individual liability. I fulfilled my lease obligations, vacated the unit properly, and provided the required notice and forwarding information. The continued reporting of this account as my personal debt is inaccurate. Under the Fair Credit Reporting Act, companies are required to ensure the accuracy of reported information and conduct a reasonable investigation after receiving notice of a dispute. I am requesting that the company either provide documentation supporting my individual liability for this balance or remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
this is my 2nd complaint against CaptalOne 360 checking, where I am unable open an account due t them having old information, mail, address, phone number, and I am unaesthetic t change them. I find a CFP complaint and the response was t use the old information to open a new account. I have no access to the old hone number, email address or physical address. so how can I possibly open an account when I would have to verify phone number and email address. Instead of just fixing the information to my correct information, they really advised me to open an account with an email address I don't have access too, a phone number I don't have access too. This needs to be fixed as I spent hours on the phone getting transferred between credit and banking and back to credit. Just ridiculous. Fix my information, it is a simple thing to do. I am shocked that they actually told me to falsify a bank application with incorrect information. attached is Capital One 's response to CFPB complaint about opening a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I am submitting this complaint again because Capital One continues to avoid addressing the core issue and is providing dismissive responses stating that I am not a customer, despite the fact that I previously held active accounts with them. This is not an acceptable resolution. My accounts were closed, and I am requesting a review and reinstatement based on my positive payment history and account standing prior to closure. Instead of addressing this request, Capital One is refusing to engage by claiming I am no longer a customer, which is precisely the issue being disputed. To be clear : I did not request the account closure I had a history of responsible usage and payments I am requesting reinstatement, not a generic explanation By stating I am not a customer, Capital One is avoiding accountability for their actions and refusing to properly investigate or respond to my request. If Capital One continues to refuse to engage on this matter, I am requesting that this be escalated further, as this response does not resolve the complaint. I received Capital Ones response by mail ; however, I do not recall receiving any phone calls or attempts to contact me directly to discuss or investigate this matter further. This raises concern that my complaint is not being meaningfully reviewed, but instead is being responded to with a standard or automated response. Simply stating that I am not a customer does not address the substance of my complaint, which is regarding the closure of my accounts and my request for reinstatement. I am requesting direct contact regarding this matter, as I have not received any phone communication. I am available to discuss and resolve this issue. My phone number has change and I did provide it in all the complaints. I will continue to document and pursue this complaint through the appropriate channels until a meaningful response is provided. I have included statements in the last two complaints, how can I be classified as a " not a customer ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: IL

Complaint narrative:
Issue : inaccurate credit reporting due to failed student loan servicer transfers. In XX/XX/XXXX, my federal student loan was transferred from XXXX to CRI. During this transfer, XXXX 's dashboard incorrectly displayed my account as " Paid in Full '' with a XXXX balance. I never received a " Welcome Member '' packet or any physical mail from CRI notifying me of the transfer or new payment instructions. on XX/XX/XXXX I spoke a CRI representative who admitted that CRI had an incorrect physical address on file for me, which explains why I never received the legally required 15-day transfer notice or any billing statements. The representative also claimed an email was sent, which I never received. Immediately upon discovering the delinquency on XX/XX/XXXX, i contacted CRI and brought the account fully current by making a payment of {$220.00}. this demonstrates my commitment to my financial obligations and confirms that the missed payments were solely due to a lack of notification during the servicer transfer, not an inability or unwillingness to pay. Under the Fair Credit Reporting Act ( FCRA ), a servicer must provide accurate notice before reporting a delinquency. CRI failed to provide this notice and is now reporting a 90-day delinquency on my credit report, causing a severe drip in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
I dispute a collection account reported by Fair Collections and Outsourcing related to a rental reletting fee. The debt is not legally enforceable under Washington law, RCW 59.18.310, because the landlord has not demonstrated actual damages. Despite my requests, the collector has not provided itemized proof of damages or documentation supporting the amount reported. After I filed a CFPB complaint ( Complaint ID XXXX ), the collector reduced the balance, which indicates the previously reported amount was inaccurate. However, they continue to report and attempt to collect the debt without providing proper validation or proof of legal enforceability. This raises concerns about inaccurate credit reporting and the collection of an unsubstantiated amount. I am requesting full documentation supporting the debt, including itemized damages, and deletion of the account if they can not verify it in compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices 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 2026-04-07 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am filing a complaint regarding a Citi ThankYou Points transfer promotion that promised a XXXX XXXX bonus when transferring points to XXXX. On XX/XX/year>, I transferred a total of XXXX XXXX Points from my Citi account to XXXX. The base miles were credited immediately to my XXXX account ; however, the promotional bonus miles were never credited. At the time of the transfer, the promotion was still active and I met all required conditions. Based on the promotion, I should have received an additional XXXX XXXX bonus miles ( approximately XXXX miles ), which have not been posted. Although I have already redeemed the transferred base miles for award tickets, the promotional bonus miles were never credited. The absence of the bonus is independent of my current balance, as the bonus should have been awarded at the time of transfer. I have contacted Citi customer service multiple times and was informed that a case would be opened and that I would be contacted. However, I have not received any resolution or meaningful update after several business days. I am requesting that Citi honor the advertised promotion and credit the missing bonus miles to my XXXX account or provide an equivalent resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am filing this formal complaint against this company because they are unlawfully reporting two negative items on my credit file in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). These inaccurate collection accounts are hindering me from purchasing a home for my family. The debt collector has failed to Provide Written Notice. Per the FDCPA, a debt collector must provide written notice of the debt within 5 days of the initial communication, including the amount of the debt and my right to dispute. I never received such notice. This omission is a direct violation of the FDCPA. They have also failed to validate the debt. Lastly, this company lacks authorization and permissible purpose to report this account on my credit report. Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose initiated by the consumer. I never authorized this company to access or furnish information about me. Without my consent or a legitimate business purpose, their reporting is unlawful. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I also have the right to demand a block of information resulting from alleged identity theft. Since I never authorized or entered into any agreement with this collector, I believe this tradeline qualifies as unauthorized. This debt collector is practicing deceptive and abusive collection tactics. The CFPB and FTC have identified debt parking ( placing debts on consumer credit reports without notice ) as an unlawful and abusive practice. I believe this is exactly what has taken place in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
On XX/XX/XXXX, I sent a written dispute directly to Transworld Systems ( TSI ) regarding Reference # XXXX / Account # XXXX, for a debt allegedly owed to XXXX XXXX XXXXXXXX ( apartment complex ). I attached the creditors own Balance Due Reminder dated XX/XX/XXXX. Per that document, my total charges were {$650.00}. I paid {$800.00} in security deposits ( {$500.00} + {$300.00} on XX/XX/XXXX ), all of which were applied at move-out. My deposits exceeded the charges by {$140.00}. No balance is owed. My lease ended and I vacated the property by XX/XX/XXXX. The XXXX XXXX Reminder includes utility charges dated after this vacate date, meaning I was billed for services after I no longer occupied the unit. TSI has not responded to my dispute letter or addressed the deposit surplus. Despite this, they verified the debt as accurate with XXXX XXXX XXXX XXXX XX/XX/XXXX. HoweveXXXX XXXX own dispute results state that information unrelated to your dispute has been updated, confirming that inaccurate information was present on the account. The previous reporting included invalid dates that were corrected during the reinvestigation, yet the balance was still verified without any documentation addressing the deposit surplus. I have filed disputes with all three credit bureaus. I am requesting that TSI provide an itemized accounting showing where my {$800.00} in deposits was applied, or delete this account from all credit bureau reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: WA

Complaint narrative:
Subject : Debt Validation Request Pursuant to 15 U.S.C. 1692g To Whom It May Concern, I am writing to formally dispute the alleged debt you are reporting under RENTDEBT in the amount of {$18000.00}. This letter serves as a request for validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g. I am requesting that you provide competent evidence that I have a legal obligation to pay this debt. Please provide the following : A copy of the original lease agreement bearing my signature A complete, itemized statement of the account, including all charges, fees, and payments The name and address of the original creditor Documentation proving your legal authority to collect on this debt Verification of the date of first delinquency Proof that this account is being reported accurately to all credit reporting agencies Until you provide proper validation of this debt, you must cease all collection activities and reporting on this account. Be advised that failure to validate this debt, yet continuing to report it, may constitute a violation of the FDCPA and FCRA. If you can not provide the requested documentation, I demand that this account be deleted from all credit reporting agencies immediately. I expect a response within the timeframe required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
I want my money returned to my account I would like my new account sign on bonus and I would like my holiday in refund to be returned to my account because how did it go out with statements proving it did expedite charged the bank card for holiday in room and issued refund that thy never posted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Debt Collection Rule ( Regulation F, 12 C.F.R. 1006.30 ). Upon reviewing my credit reports, I discovered two collection accounts placed by this agency : Account XXXX XXXX XXXX XXXX for {$1700.00} and Account XXXX XXXX XXXX XXXX XXXX XXXX for {$1400.00}. I have never received any initial written notice, phone call, or any form of communication from LVNV Funding LLC regarding these alleged debts. * * LVNV Funding LLC engaged in illegal " debt parking '' by reporting these items to the credit bureaus before attempting to communicate with me. This action deprived me of my legal right to dispute and request validation of the debt within the XXXX statutory period provided by 15 U.S.C. 1692g. Reporting a debt before sending a validation notice is a direct violation of federal debt collection regulations designed to protect consumers from surprise derogatory reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Axela Technologies, Inc
State: NJ

Complaint narrative:
I am submitting this complaint regarding a debt collection agency and a homeowner 's association ( HOA ) that attempted to collect an alleged debt and proceeded with lien enforcement actions without proper validation, authority, or required notice. The collector initially claimed an outstanding balance of {$11000.00}, including a substantial portion labeled as other charges, which was never itemized or explained. I formally disputed the debt and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including a full accounting of charges, governing HOA documents, and proof of legal authority to collect and pursue lien action. The collector failed to provide the requested validation or sufficient documentation. Instead, they returned the matter back to the HOA ( client ). Despite the lack of validation and documentation, a lien was recorded against the property. This lien was filed without providing proper notice, without verifying the debt, and without establishing legal authority to enforce such action. This raises serious concerns regarding unlawful lien practices and violations of both federal and state consumer protection laws. Further, it has been determined that the HOA in question is no longer active or legally operating. This calls into question whether any entity has the legal standing to enforce the alleged debt or to have recorded the lien in the first place. Based on these facts, the lien appears to have been recorded improperly and without legal authority.

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 2026-04-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this formal fraud dispute pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, 609 ( e ), and 611. I am a documented victim of identity theft, and I have attached multiple FTC Identity Theft Reports confirming the crime, including FTC Report Numbers XXXX, These reports clearly state : I am a victim of identity theft. These accounts are not mine and Experian refuses to remove them. ( ID Theft Report 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 2026-04-07 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I was the victim of a financial scam in which I was manipulated and deceived into initiating a XXXX transfer of {$1700.00}. At the time of the transfer, my Wells Fargo checking account only had {$12.00}. Without my full understanding or explicit consent, XXXX XXXX overdraft protection automatically charged my linked Wells Fargo credit card {$1700.00} to cover the transfer. I am disputing this charge under the Fair Credit Billing Act as I was deceived into initiating this transaction by a third party scammer. I did not knowingly or willingly authorize {$1700.00} in credit card charges. XXXX XXXX overdraft system facilitated this fraud by automatically extending credit to cover a transaction initiated under false pretenses. I have attempted to resolve this directly with Wells Fargo and am filing this complaint because the charge resulted from fraud and deception. I am requesting a full investigation and reversal of the {$1700.00} credit card charge that was applied through overdraft protection. I am requesting that Wells Fargo reverse the fraudulent charge, waive any associated fees, and ensure this does not negatively impact my credit report while the dispute is under investigation.

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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAG is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAG is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation