vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
To Whom It May Concern : This letter serves as formal notice that I dispute the validity of the above-referenced alleged debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to 15 U.S.C. 1692c ( c ) and 1692g, you are hereby notified to CEASE AND DESIST from all communication with me regarding this alleged debt, except as permitted by law. I do not acknowledge this debt, nor do I accept any responsibility for it. Until you provide proper validation as required under 15 U.S.C. 1692g, including : The amount of the debt, The name of the original creditor, Documentation bearing my signature evidencing a contractual obligation, and A complete accounting of how the alleged amount was calculated, you must immediately cease all collection activity. Furthermore, you are instructed not to contact me by telephone at my home, mobile number, place of employment, or through any third party. All future communication, if any, must be made in writing and only as permitted under federal law. If you continue collection efforts without providing proper validation, or if you violate the FDCPA in any way, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and I will consider pursuing civil remedies available to me under 15 U.S.C. 1692k. This letter is sent without acknowledgment of liability and with full reservation of my rights. Govern yourselves accordingly. Sincerely, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I checked my credit report and noticed some inaccurate information. Please see the attached document.

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 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Delete and reinstating accounts not showing on my report only showing XXXX accounts changed date to this year change payment amounts inaccurate reporting damages to my credit report I was also in the Equifax data breach same investigation false reporting not verified send in my FTC report for data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am submitting this complaint regarding Columbia Debt Recovery and a rental collection account originating from XXXX XXXXXXXX that is currently being reported on my credit file in the amount of approximately {$8900.00}. I have disputed this account multiple times with the credit bureaus because I believe the reported balance is inaccurate and incomplete. Despite repeated disputes, the account continues to be verified without the company providing sufficient documentation explaining how the amount was calculated or confirming the accuracy of the balance. The alleged balance arises from a tenancy dispute in which I withheld rent due to ongoing habitability concerns, including a roach infestation that I believe was not properly disclosed or adequately resolved by the property. I was subsequently served a three-day notice related to the rent withholding. Because the charges stem from disputed habitability conditions and lease enforcement issues, the accuracy of the amount being reported depends on proper accounting and lawful calculation of damages, which has not been provided. I requested clarification directly from the collection agency regarding the balance, including an itemized breakdown of charges, accounting records, and verification supporting how the debt amount was determined. I also requested documentation showing mitigation of damages, including proof that reasonable efforts were made to re-rent the unit after my tenancy ended, as this directly affects the accuracy of the amount being claimed. During my attempt to obtain this information, the representative spoke to me in a dismissive and unprofessional manner, stating that I did not know what I was doing and that if I was not agreeing with the listed amount they would not discuss the account further. This prevented me from reasonably understanding or verifying the debt despite my good-faith effort to resolve the matter. To date, I have not been provided sufficient documentation supporting the reported balance, including itemized repair invoices, a complete accounting ledger, proof of mitigation of damages, or documentation supporting added charges or interest. The account continues to be reported despite unresolved accuracy concerns. I believe the company has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ( b ) ) and is attempting to collect and report an amount that has not been adequately verified or explained. I respectfully request that the company conduct a proper investigation, provide complete documentation supporting the reported balance, including mitigation records and accounting documentation, and correct or delete the account from my credit reports if the information can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: NJ

Complaint narrative:
Debt Validation Request XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Midland credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern, I am writing in response to your communication regarding the debt referenced above. This letter serves as a formal request for validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following documentation : 1. The name and address of the original creditor 2. The original account number 3. The amount of the alleged debt, including an itemized breakdown of any interest, fees, or charges 4. Copies of any contracts, agreements, or documents bearing my signature that show I am legally obligated to pay this debt 5. Proof that your agency is licensed to collect debts in my state 6. Proof that you have the legal authority to collect this debt on behalf of the original creditor Until this information is provided, I request that all collection activity cease. Please note that reporting this account to any credit reporting agency without proper validation may constitute a violation of the Fair Debt Collection Practices Act. This letter is not an acknowledgment of responsibility for the alleged debt, nor is it a refusal to pay. It is simply a request for verification. Please provide the requested documentation in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: NE

Complaint narrative:
In early XX/XX/XXXX, the collection agency XXXX, XXXX, & XXXX XXXX XXXX sent me a letter explaining they are sending me to collections for {$12000.00}. I immediately sent a letter via certified mail on XX/XX/XXXX demanding a debt validation of the following information : -The name and address of the original creditor - A copy of the original signed lease agreement - A complete itemized breakdown of all charges including dates, descriptions, and amounts - Documentation showing how the total balance was calculated - Proof that this agency has the legal right and authority to collect this debt - A copy of the final move-out accounting and any notices allegedly sent to me- The date of last payment and the date of first delinquency. This company did not respond or reach out in anyway to provide this information and instead began reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank, N.A. regarding its handling of a wire recall request connected to a fraud incident, whose case number is XXXX. On XX/XX/XXXX, I initiated a wire transfer from my personal account at Chase to send XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) with XXXX XXXX XXXX XXXX After discovering that I was a victim of an investment scam, on XX/XX/XXXX, I notified Chase and requested that a wire recall be initiated. On XX/XX/XXXX, Chase initiated the recall request to the recipient bank. The recipient bank initially responded on XX/XX/XXXX and indicated that partial funds were still available and requested submission of an XXXX. I understand that this indicated there was still a reasonable opportunity to recover at least a portion of my funds. However, after that communication, the recipient bank stopped responding. Subsequently, on XX/XX/XXXX, when I called wire research team for the status of recall, Chase informed me that the recall request was being closed due to lack of response from the recipient bank. I believe Chase has prematurely closed this wire recall without exhausting reasonable recovery efforts. Given that : the recipient bank previously confirmed partial funds were available, they requested additional documentation ( XXXX ), and there was clear evidence that funds had not been fully dissipated, I expected Chase, as my originating bank, to : continue follow-up efforts with the recipient bank, escalate the matter through interbank channels, provide written documentation of recall attempts and responses and keep the recall open while recovery was still possible. Instead, the case was closed without clear documentation showing that all available recovery measures were pursued. As a customer who acted promptly after discovering fraud, I am requesting that Chase : 1.Reopen the wire recall request. 2.Actively escalate with the recipient bank to recover the confirmed available funds. 3.Provide written documentation of all recall communications and efforts. 4. Confirm whether proper interbank fraud recovery protocols were followed. Given the significant financial loss involved, I believe Chase has a duty to exercise reasonable diligence in attempting to recover available funds once fraud is reported. I am not asking Chase to guarantee recovery. I am asking them to use all available banking channels and escalation procedures to pursue recovery of funds that were previously confirmed as available. I respectfully request CFPB assistance in requiring Chase to reopen and actively pursue this recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have received a letter from Jefferson capital. I am not aware of any of this debt nor do I owe any company by this account. I tried contacting this. Number of the bottom they are not aware of any -XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Identity was stolen by property manager three different apartments was in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, I deposited my paycheck on Saturday, XX/XX/year>. Chase noted that {$500.00} will be deposit the same day and the rest on the following day. Today is Monday, XX/XX/XXXX, XXXX pm, the rest of the paycheck has not been deposited yet. I can not transfer money to my my partners. I need a reimbursement of {$500.00} from Chase for this failure. Thank you. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am reporting an unauthorized/fraudulent transaction of {$25.00} to {$30.00} that occurred on XX/XX/XXXX to XX/XX/XXXX. I have already reported this to Cash App Support ( Case # [ If known ] ) but the issue remains unresolved. The transaction was [ describe : unauthorized/scam/merchandise not received ]. I request a full refund and a review of this account 's security.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: NH

Complaint narrative:
I requested complete account documentation for my auto loan so I could verify the amount being claimed as past due. Specifically, I requested a full transaction ledger from origination to present, all monthly billing statements from XX/XX/XXXX to present, a copy of the executed retail installment contract, an itemized breakdown of the current past-due balance and late fees, copies of any deferral or modification agreements, and an updated amortization schedule reflecting any extensions. The company did not provide the requested records. Instead, it stated in writing that the ledger is the contract, that it does not have a copy of the contract to provide, and that if statements are not available online then it does not have copies to provide. The online portal only shows limited statements from XXXX forward, even though the loan originated in XX/XX/XXXX. This means multiple years of billing statements are unavailable to me. The company also stated that it does not provide a breakdown of late fees beyond what is in the contract and does not provide additional payoff breakdown information beyond the payoff quote. Despite refusing to provide the complete records requested, the company continues to demand payment and states that the account is about to be set for repossession. I am asking that the company provide the complete life-of-loan account documentation necessary to verify the balance, past-due amount, fees, and account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: KY

Complaint narrative:
1. Discover ( XX/XX/XXXX, now sending court fees ) If youre receiving courtrelated notices, act fast. What to do Confirm whether a lawsuit was actually filed ( check your local court website using your name ). If it is a lawsuit, you must file an Answer before the deadline to avoid a default judgment. Request a detailed debt validation if you havent already received one. Ask Discovers attorneys about payment plansthey often allow structured payments even after a lawsuit starts. If you cant afford the fees, ask the court whether you qualify for a fee waiver. XXXX. XXXX XXXX ( XX/XX/XXXX, now in collections ) What to do Request debt validation from the collection agency. They must prove : You opened the account The amount is correct They have the right to collect XXXX XXXX XXXX ( XX/XX/XXXX ) Since you didnt realize the account was still open : What to do Request a full account history and validation. Check for : Incorrect late payment reporting Fees added after closing Wrong balance due Dispute anything inaccurate with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding Bank of Americas denial of my fraud claim involving an EDD-issued debit card during the COVID-era benefit period. I never received or used this card. The card was fraudulently activated by someone else using my personal information, and {$36000.00} in unauthorized transactions occurred, primarily ATM withdrawals. I promptly reported the fraud and submitted : A police report A sworn statement under penalty of perjury Full transaction history identifying all unauthorized charges Bank of America denied my claim, stating the card was mailed to my address and activated using my credentials. However, activation using personal information does not establish that I authorized or conducted the transactions. I did not receive the funds, did not benefit from the transactions, and did not authorize any withdrawals. A merchant credit of {$800.00} was issued, but I did not request or cash any check related to that credit. I am requesting a full reinvestigation under Regulation E and reimbursement of the full disputed amount. I also request that Bank of America provide all documentation relied upon in denying my claim, including activation logs and any evidence used to determine authorization.

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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint regarding Fifth Third Banks handling of my credit card dispute under the Fair Credit Billing Act. I used my Fifth Third credit card to purchase products after being induced by guaranteed income representations from my recruiting distributor. I later filed a dispute under misrepresentation and provided evidence showing that income guarantees were made prior to signing the contract. I have screenshots of the communications that are dated XX/XX/year>. The distributor agreement I signed is dated XX/XX/year>. This clearly shows the income guarantees occurred before contract execution and were material to my decision to purchase. Fifth Third denied my dispute, stating that communication between me and the distributor is irrelevant and that the merchants contract does not contain income guarantees. However, this fails to address the issue of inducement and misrepresentation that occurred before signing. Additionally, after I filed disputes, my distributor IDs were canceled and access to the platform was revoked, eliminating my ability to operate the business for which the products were purchased. The machines remain new, unopened, and unused in their original packaging. I have already paid the {$3700.00} balance in full from my paychecks. I am requesting that Fifth Third conduct a proper investigation consistent with Fair Credit Billing Act standards and reimburse the charged amount due to material misrepresentation and failure to evaluate pre-contract inducement evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
In XX/XX/year>, I was approached by a representative named XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. He promised a flat monthly fee of {$25.00} with no hidden costs. Despite this, the company began overcharging me. When confronted, XXXX XXXX admitted the error in writing, stating, " I apologize, that was my mistake. I am fixing it now. '' However, the charges were never corrected. I have repeatedly requested a copy of my signed contract and terms of service, but the company has consistently ignored my requests. Due to their breach of agreement and refusal to provide documentation, I stopped using the service and requested instructions to return the equipment, but received no response. Now, I am being harassed by a collection agency for {$1000.00}, which I dispute in its entirety.

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 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Recovery Service Incorporated
State: CA

Complaint narrative:
In XX/XX/year>, I was approached by a representative named XXXX XXXX ( XXXX XXXX XXXX on behalf of XXXX. He promised a flat monthly fee of {$25.00} with no hidden costs. Despite this, the company began overcharging me. When confronted, XXXX XXXX admitted the error in writing, stating, " I apologize, that was my mistake. I am fixing it now. '' However, the charges were never corrected. I have repeatedly requested a copy of my signed contract and terms of service, but the company has consistently ignored my requests. Due to their breach of agreement and refusal to provide documentation, I stopped using the service and requested instructions to return the equipment, but received no response. Now, I am being harassed by a collection agency for {$1000.00}, which I dispute in its entirety.

Company response to consumer: Closed with explanation