vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
There is a {$170.00} collection on my XXXX XXXX credit file that is not related to me in any way. I have sent XXXX separate certified letters to the XXXX XXXX without a response to either dispute letter that was sent. I have also disputed the collection item with XXXX XXXX and received a response indicating that the investigation results indicated the original creditor to be XXXX XXXX. I have not ever had any account with XXXX XXXX in any respect. It is unethical and illegal for the XXXX XXXX firm, Harris & Harris XXXX XXXX my formal Dispute Letters and to not reply. Harris & Harris should be held accountable for not complying with the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing a complaint against Bank of America regarding an extended hold placed on a legitimate check deposit that is causing financial hardship and has not been clearly explained. On XX/XX/year>, I deposited a {$1500.00} check via mobile deposit into XXXX Bank of America account. This check is a legitimate distribution from my XXXXXXXX XXXX XXXX XXXX account and is fully verifiable. I have documentation confirming the withdrawal and have presented this information at a local branch. Despite this, Bank of America placed a hold on the full amount of the check until XX/XX/year>. When I contacted customer service and visited a branch in person, I was given inconsistent and unclear explanations. I was initially told the hold could potentially be reviewed and resolved quickly, but later informed that the review process takes XXXX business days, which aligns with the original hold periodmaking the escalation effectively meaningless. Additionally : I was told the hold was due to information suggesting the check may be returned, but no specific or clear reasoning was provided. I attempted to provide documentation proving the legitimacy of the XXXX ( k ) distribution, but was told this could not be considered. I was transferred between departments, including fraud and deposit detection, without resolution. I requested escalation, and while a review was submitted, I was later told it would not expedite access to my funds. This situation is unacceptable because : The check is from a verified financial account and can not reasonably be returned. I am experiencing financial hardship and need access to my funds. The bank has failed to provide transparent reasoning or a meaningful path to resolution. I believe Bank of Americas handling of this situation lacks transparency and places an unfair burden on customers, particularly when legitimate funds are involved. Sincerely, [ Your Name ]

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: MA

Complaint narrative:
Company : First National Collection Bureau , Inc . Also involves : XXXX XXXX XXXX Account # : XXXX Amount : {$1500.00} To XXXX department or authorized representative or agent or resolution XXXX Complaint : I am filing a formal complaint regarding the above-referenced account being collected by First National Collection Bureau XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX I dispute the validity, ownership, and accuracy of this account in its entirety. To date, I have not been provided with competent evidence establishing that XXXX XXXX XXXX has lawful ownership or authority to collect on this alleged debt. As a debt buyer, they are required to demonstrate a complete chain of title and assignment of rights at the individual account level. I hereby demand the following documentation : Original signed contract or application bearing my signature Complete account-level payment history/ledger Bill of sale and XXXX agreement transferring this account Full chain of title/assignment from the original creditor to XXXX XXXX XXXX Any forward flow XXXX XXXX XXXX documentation referencing this specific account Proof of authority to collect and report this account Any documents provided must meet evidentiary standards under Federal Rules of Evidence XXXX and XXXX ( XXXX ), requiring a qualified witness with personal knowledge and properly maintained business records. At this time, the company has only attempted to collect payment and offer a settlement without first validating the debt or proving standing. This constitutes collection activity on an unverified and disputed account. Furthermore, any reporting of this account to consumer reporting agencies without proper validation may violate : FCRA 1681e ( b ) ( maximum possible accuracy ) FCRA 1681i ( reasonable investigation ) FDCPA 1692e ( false or misleading representations ) If the company is unable to provide the requested documentation, I demand : XXXX. Immediate cessation of all collection activity XXXX. Deletion of any credit reporting associated with this account XXXX. Written confirmation that the balance has been waived to {$0.00} Any continued collection or reporting without proper validation will be considered willful noncompliance, and I reserve the right to pursue further legal remedies. Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XXXX XXXX ( fake name ) sent me an email ( several in the last couple of months ) stating that my " transaction '' on PayPal was complete with a charge of {$490.00} to my PayPal account. It said if I did not charge this, then I should call XXXX. I did not call that number. I can send you a screenshot or a XXXX of the email that I received. It is a spam/fraudulent email. The email also said : XXXX XXXX XXXX XXXX XXXX : In the absence of a timely response, we will have no choice but to apply the full charge to your account, which will be visible on your upcoming statement. If you do not recognize this transaction, please contact us within XXXX hours. '' I checked my PAYPAL account, XXXX so far it has not been charged this amount, nor has it been in " ( XXXX ). '' I changed my passwords for both of my email accounts, XXXX, etc. I can send you a copy ( screenshot ) of the email. I have received several emails like this one in the past XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I applied and received a loan for {$1000.00}. The said I would be making {$300.00} payments every pay day till paid off. What I did not realize was the interest they were going to charge. I well over paid the original loan and a large amount of interest before I realized they wanted me to do these payments for another year for {$1000.00} loan.

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 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I am disputing a collection account reported by Columbia Debt Recovery ( Genesis ) on my credit reports with XXXX and XXXX This account allegedly originates from XXXX XXXX XXXX XXXX following my move-out. Timeline and facts : Move-out date : XX/XX/XXXX Final account ledger date : XX/XX/XXXX Final balance from original creditor : {$0.00} The collection account is being reported for approximately {$210.00} {$230.00}, with a reported date of first delinquency of XX/XX/XXXX. This is incorrect. The official ledger from the original creditor shows that after all charges, adjustments, and payments were applied, the account was finalized with a XXXX balance after move-out. This directly contradicts the existence of any debt. I submitted this ledger as part of my disputes with both XXXX and XXXX. Despite this, both companies verified the account as accurate. When I contacted XXXX after the dispute was settled, I was told that the ledger I provided was rejected because the original creditor the ledger originated from ( XXXX XXXX XXXX XXXX. ) did not match the agency attempting to collect ( Columbia Debt Recovery ). Additionally : I previously requested validation of this debt directly from the collection agency, and sufficient documentation was not provided. XXXX removed this same account ( Report # XXXX, dated XX/XX/XXXX ) based on the same documentation. A collection agencys claim is dependent on the original creditors records. Since the original creditor has documented a {$0.00} balance after final reconciliation, there is no valid debt to collect. XXXX and XXXX verified this account without reconciling the original creditors records, which indicates a failure to conduct a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Chime Financial Inc
State: FL

Complaint narrative:
b"On Monday, XXXX XXXX XXXX, I received several text messages concerning charges to my Chime checking account. I responded that I did not authorize the XXXX transactions they notified me about and they were blocked. Upon looking at my account, I realized that they did authorize XXXX other charges to the same company totaling XXXX I immediately canceled my card and Chime suggested to wait to make sure the charges went through before I disputed them. The next day I opened two disputes, as I could only dispute XXXX charges at a time. Chime found in my favor for XXXX of the charges for a total of XXXX but found against me for the other XXXX charges totaling XXXX All of these charges happened within a five-minute period from a company in XXXX XXXX FL, which is about XXXX XXXX hours away from me. I filed a rebuttal against their findings and Chime found against me a second time. I don't understand how they can't see that XXXX attempted charges within a five-minute time frame, all for different amounts, does not raise a red flag."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Section 609 ( a ) Request for Verification of Accounts & Removal of Unverified Items To Whom It May Concern : This letter is a formal request under 15 U.S.C. 1681g ( Section 609 ( a ) ) of the Fair Credit Reporting Act. I am requesting that XXXX provide verification and documentation of the following accounts currently listed on my credit report : XXXX. XXXXXXXX XXXX XXXX account : XXXX XXXX. XXXX XXXX XXXX account : XXXX XXXX. XXXX XXXX XXXX account : XXXX XXXX. Midland Credit Management Inc account : XXXX XXXX. XXXX XXXX XXXX XXXX account : XXXX For each account, please provide : A copy of the original signed contract or agreement bearing my signature. The method of verification you used to confirm its accuracy. The furnishing partys full name and address. Also letters will be sent certified mail. If verification can not be produced within 30 days, per the FCRA, any unverified accounts must be deleted from my credit file. Attached are copies of my identification for verification purposes ( drivers license & utility bill ). I expect full compliance with this request. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/year> I was called by a copy cat chase bank number. Long story short it was not. I was conned into sending money VIA XXXX claiming it was a Supervisor Chase Account with a refund code XXXX. I was conned and swindled. I filed a police report, filed a claim with Chase Bank and was DENIED XXXX TIMES. I was given the same answer everytime. You authorized the transaction even though it was the same chase bank number, XXXX number and address and they had all my information. I have filed with the XXXX XXXX XXXX and n ow Im filing here because i was swindled out of {$990.00}. First transaction was {$950.00} The second was {$40.00}. I have went to a physical branch and asked for answers. Phone call after phone call, and I would transferred around to XXXX other people repeating what I have told them already.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XXXX ) A complete Bill of Sale from original creditor showing transfer of ownership of this specific account. XXXX ) A Forward Fow Agreement ( or other purchase agreement ) governing the alleged sale of debts, including terms under which this account was transferred. XXXX ) The full chain of title/assignment, documenting every transfer of ownership of this account from the original creditor to the present plaintiff. XXXX ) A copy of the original signed application/contract bearing my signature. XXXX ) Complete account-level documentation, including statements, payment history, and charge-off details. XXXX ) Not notifying/or sending a XXXX form from/to the IRS for me to claim it as income XXXXSynchrony Bank and XXXXXXXX XXXX and XXXX & XXXX has not done any of this XXXX XXXX XXXX, XXXX is illegally reporting a disputed debt on my credit report, causing immediate financial and professional harm, including denial of employment. I submitted a dispute on XX/XX/year>, as allowed under 15 U.S.C. 1681i ( a ) ( 1 ) ( FCRA ). XXXX failed to respond within XXXX days yet continues to report the account. This is a clear violation of federal law and constitutes unfair, deceptive, and abusive practices under XXXX XXXX law. I demand that the BBB require XXXX to : XXXX. Delete this disputed account from all credit reporting agencies immediately. XXXX. Provide written confirmation of deletion and compliance with federal law. Continued reporting of this inaccurate account is harming my livelihood and creditworthiness, and I request urgent intervention.

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 2026-04-08 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: TN

Complaint narrative:
Re : Complaint LVNV Funding LLC Failure to Prove Ownership I am submitting a complaint regarding LVNV Funding LLC. This company is reporting a collection account on my credit report and claims ownership of a debt that has been sold multiple times. I have formally requested validation, including full chain of title documentation. The company has failed to provide sufficient documentation proving its legal right to collect this debt. No complete chain of assignment has been provided linking my alleged account through each transfer to LVNV Funding LLC. Without proof of ownership, their reporting is inaccurate under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I am requesting that this matter be investigated and that the company be required to either provide proper documentation or delete the account from all consumer reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: CT

Complaint narrative:
XXXXsociated Credit Services , Inc. ( ACS ) has sent XXXX collection communications via email and physical mail from XX/XX/XXXX through XX/XX/XXXX regarding XXXX alleged debts totaling {$1300.00} ( {$650.00} each ) originally with XXXX XXXX XXXX XXXX Not a single XXXX of these communications contains the validation notice required by 15 USC 1692g ( a ) or 12 CFR 1006.34 ( c ) no 30-day dispute rights, no verification statement, no consumer-response form, no itemization with a reference date. On XX/XX/XXXX, I mailed a formal written dispute via a third-party mailing service disputing both accounts and requesting validation for each separately. On XX/XX/XXXX, ACS emailed a " Validation of Debt '' response with an attached membership agreement and billing history but only for XXXX of the XXXX accounts. The second account was never validated. Despite receiving and responding to my dispute, ACS continued sending collection emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each claiming " we've still not heard from you '' or " you have not responded. '' These statements are factually false. The XX/XX/XXXX email also included escalating language : " Continued non-communication does not resolve the matter and may limit your options. We urge you to treat this matter with the seriousness it requires. '' My dispute letter explicitly revoked email consent and requested all future communications by U.S. Mail only. ACS ignored this and continued emailing. ACS also reported XXXX of the accounts to Equifax as a collection tradeline without marking it as disputed, despite having received my written dispute. The account now appears on my credit report. Specific violations : 1. Failure to send validation notice 15 USC 1692g ( a ) / 12 CFR 1006.34 2. Continued collection after written dispute without mailing verification 15 USC 1692g ( b ) 3. Verification sent by email instead of mail 15 USC 1692g ( b ) 4. False " no response '' statements after receiving dispute 15 USC 1692e 5. Continued email after written opt-out 12 CFR 1006.14 ( h ) 6. Failure to report account as disputed to credit bureau 15 USC 1692e ( 8 ) 7. Never validated the second disputed account I have retained copies of all communications, my validation letter, ACS 's partial validation response, and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Viva Finance Inc.
State: MN

Complaint narrative:
I am disputing the accuracy and completeness of the information being reported on my credit report by VIVA Finance Inc . I have made efforts to resolve this account and have communicated with the company regarding repayment options. However, I have concerns about how late payments are being reported on my credit report. I requested verification of the reported late payments, including a full payment history, dates of alleged late payments, and documentation supporting the accuracy of this reporting. The company has not provided sufficient documentation to verify this information. Under the Fair Credit Reporting Act, all information reported to credit bureaus must be accurate, complete, and verifiable. Reporting late payments without proper verification may constitute inaccurate or incomplete reporting. This negative reporting is significantly impacting my credit profile. I am actively working to resolve this account, but I am requesting that VIVA Finance properly investigate and verify the reported information. If the company is unable to provide adequate documentation to support the accuracy of the reported late payments, I am requesting that these late payments be corrected or removed. Additionally, I request that this account be reported accurately and fairly as I continue working toward resolution. I am also disputing this matter with the credit bureaus.

Company response to consumer: Closed with explanation