vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I bought digital credits from XXXX XXXX for {$200.00} through XXXX XXXX, with XXXX more payments of {$100.00} each coming up. I paid the first XXXX. Right after buying, I tried redeeming the code twice within XXXX minutes, but it didnt workit said the code was invalid. I never got access to the service. I reached out to the merchant XXXX times on XX/XX/XXXX, XXXX, and today via email and live chat. Each time, they said theyd escalate it to another team, but nothing happened. Today was the worst, they kept transferring me between different agents and didnt even look at my ticket or offer to help. The merchant never actually responded or fixed anything. Ive got emails showing my attempts to get this resolved, and looking online, a lot of other users have complained about the same thing. This back-and-forth has been really stressful. Im asking for a full refund of my down payment and that the future installments be canceled, since I never received the service I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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:
On XX/XX/XXXX, I received a collections notice from Columbia Debt Recovery LLC dba Genesis regarding an alleged debt of {$1300.00} related to a former rental property at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX, originally owed to AIR Communities. On XX/XX/XXXX within the XXXX dispute window I submitted a formal written dispute and debt validation request to Genesis at XXXX, the address listed on their notice. I disputed the debt in its entirety and provided documentation showing that the original creditor, XXXX XXXX, had already reached a written settlement agreement with me on XX/XX/XXXX, reducing the balance to {$130.00}. I also documented that I had made good-faith attempts to pay this settled amount but was unable to do so because AIR Communities had deactivated my tenant portal and failed to provide a secure alternative payment method. Despite receiving my written dispute, Genesis never responded and never provided the debt validation documents I requested as required under the FDCPA, 15 U.S.C. 1692g. Instead, they continued to report the account to credit bureaus as an active unpaid collection. The account appeared on my XXXX credit report as of XX/XX/XXXX showing a balance of {$1300.00} an amount that is inaccurate and was never validated. This reporting occurred while my written dispute was pending and unresolved, in violation of the FDCPA. On XX/XX/XXXX, Genesis sent a balance adjustment letter reducing the amount to {$270.00} a figure that corresponds to no settlement amount I ever agreed to and was never negotiated with me. When I responded on XX/XX/XXXX with a written settlement proposal of {$130.00} the amount agreed to in writing by the original creditor Genesis replied only by asking me to call their phone number, refusing to address my dispute in writing despite my explicit written request for email-only communication. To summarize the violations : XXXX. Genesis failed to cease collection activity after receiving my written dispute on XX/XX/XXXX XXXX. Genesis failed to provide debt validation as required under the FDCPA XXXX. Genesis continued to report an inaccurate and unvalidated balance to credit bureaus while my dispute was pending XXXX. Genesis refused to communicate in writing after receiving my written cease of phone contact request

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 is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding / Resurgent Capital Services is reporting a collection account on my credit report. I disputed the account with the credit bureaus and requested proper validation. The account was marked as verified ; however, no signed contract, chain of assignment, or complete payment history has been provided to substantiate the debt. Reporting without proper documentation and verification violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting deletion of this account or full documentation validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> XXXX {$470.00} Also on XX/XX/year> I was charged a {$25.00} wire transfer fee Then on XX/XX/year> I was scammed out of another {$300.00}. So I was tricked into buying some weight loss medication online and before payment Wells Fargo called me and set up the whole transfer process for me so I can transfer the money to a pharmacy called XXXX express in the amount of {$470.00} and had me XXXX an additional XXXX for other services related to the same medication. The scammers had a legit PHARMACY page and everything for XXXX XXXXXXXX XXXX XXXX medication so I was coursed into sending money so I was scammed and I sent all documentations of the fake PHARMACY and everything to Wells Fargo business center. and they denied me. Said it was my fault. I did not get my money back and that is not right. I have fraud protection and I was scammed in course into sending money by somebody with a Wells Fargo phone number. It put me in extreme financial hardship, and I am still dealing with my payments being behind. This should be against the law for Wells Fargo to advertise fraud protection and then blatantly tell me no I will not receive my money. There was one more transaction for {$56.00} and they return that without hesitation. I need my money back. My next step is a police report and small claims court. {$800.00} to me is a difference between me and my children eating a month XXXX to Wells Fargo XXXX. Wells Fargo needs to be held accountable

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 — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
To Whom it May Concern, I am writing to formally dispute and demand the immediate deletion of inaccurate and unauthorized information related to my auto loan account. Account name : BMW Financial Services, Account # XXXX XXXX. This account contains multiple violations and inaccuracies, including but not limited to : Overstated balance due to improper and excessive fees Unauthorized additional charges and forced payment .Being pressured into making a down payment under unfair conditions .Placement of late payment on my credit report without my consent .Reporting of inaccurate and misleading account information, These actions may constitute violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that all report information be accurate, complete, and verifiable, I am requesting the following : Immediate investigation of this account .Validation of all charges, fee and payment history .Immediate deletion of this account from all credit report agencies if verification can not be provided .Written confirmation of the deletion and correction .proof of contracts payment. name : XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX : Email address, XXXX XXXX

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/year>, I received multiple notifications indicating unauthorized access attempts involving my XXXX account and my PayPal account, followed by an attempted purchase using a XXXX stored on XXXX. At XXXX XXXX XXXX, I received an email from XXXX stating : New sign in to XXXX From your account [ redacted ] Authorized by : XXXX XXXX code from your email. I did not sign in, did not authorize this login, and did not provide any XXXX XXXX code to anyone. The email listed a signin location in XXXX, NJ, which is not mine. At XXXX XXXX XXXX, I received an email from PayPal stating : Your verification code is XXXX and will expire in XXXX minutes. I did not attempt to log in to PayPal and did not request this verification code. This indicates an unauthorized attempt to access my PayPal account. At XXXX XXXX XXXX, I received another email from XXXX stating : There was an error with a recent XXXX purchase Payment method : XXXX XXXX : {$44.00}. I did not initiate this purchase, did not authorize it, and did not approve any charges. The attempted purchase was for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX These events occurred within minutes of each other and indicate a coordinated unauthorized access attempt involving my XXXX account, my PayPal account, and the payment method stored on XXXX. I did not authorize any of these actions. I am requesting that the companies involved investigate these unauthorized access attempts, confirm that no charges will be applied to my account, secure my accounts, and provide documentation of their findings

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: Oliphant United, Inc.
State: SC

Complaint narrative:
OLIPHANT USA is falsely reporting on my credit. I have never had any accounts with them. Per my research OLIPHANT USA 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
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I am writing to formally dispute the following information on my credit report. XXXX XXXX These creditors have violated my rights under the fair Credit Billing Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) as follows : 1. Violation of 15 U.S.C. 1681bUnder section 602, I have a statutory right to privacy regarding my consumer information. 2. Unauthorized Disclosure ( 15 U.S.C. 1681b ) : Under Section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing a consumer report unless it is in accordance with the written instruction or consent for this account to be furnished or reported. 3. Improper Late Fee/Reporting ( 15 U.S.C. 1666b ) : Pursuant to the Fair Credit Billing Act, Section 163 ( a ) ), a creditor may not treat a payment as late for any purpose-including reporting to the credit bureaus-unless the creditor has adopted reasonable procedures designed to ensure that the billing statement was mailed or delivered to the consumer at least 21 days before the payment due date. 4. Violation of 15 U.S.C. 1681b, Following the security breach this information was furnished without permissible purpose or my written instruction, violating section 604, Any data resulting from a breach of your security protocols fails the reasonable procedures requirement under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is siding with a merchant ( XXXX XXXX ) that is in breach of its own safety contract ( XXXX XXXX XXXX ). I provided proof of a U.S. State Dept Ordered Departure and XXXX missile reports, but the bank is ignoring these federal safety mandates and claiming 'service was available. ' They are forcing me to pay for a flight that the U.S. Government ordered me not to take for the safety of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Debt collector has sent me XXXX emails in 2 days all missing information required by the Fair Debt Collection Practices Act. Namely an Itemized list of owed amounts including interest, principal and fees. Also missing from the emails are notice of my right to dispute, along with the proper channel to dispute the debt. Also, the original Debt was disputed with the original debtor, and the original debtor never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted the lender regarding my account. During the call, I was advised that I was outside the standard window and a payment arrangement could be set up. However, I was also explicitly told that my account was safe until the XXXX. I relied on that specific timeframe in good faith. During this same period, my family was dealing with multiple deaths, which impacted timing. The vehicle was repossessed prior to that stated date, despite the assurance provided. This reflects conflicting and misleading guidance from the lenders representatives. I am requesting a formal review of this matter and consideration for fee adjustments due to the inconsistent information provided

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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am formally disputing a collection balance of {$290.00} ( Original Creditor : The XXXX ). Despite trying to resolve this for over a year, the collector ( Columbia Debt Recovery/Genesis ) refuses to acknowledge that these charges are illegal under Washington State law ( RCW 59.18.280 ). Floor Damage ( {$150.00} ) : Their photo shows minor surface staining in a plant area. Keeping indoor plants is a standard residential activity. After a XXXX tenancy, this constitutes Normal Wear and Tear under RCW 59.18.280. Furthermore, the unit suffered documented building-wide pipe bursts and external leaks which compromised the floor 's integrity. Kitchen Ceiling ( {$120.00} ) : The landlord 's photo shows a structural sealant failure and water staining. Per RCW 59.18.060, the landlord is responsible for maintaining the " structural components including... ceilings. '' This is a maintenance issue, not tenant damage. Wall/Windowsill Repair ( {$30.00} ) : Minor scuffs after 2 years of residency are legally defined as Normal Wear and Tear and are the landlord 's responsibility. Cleaning ( {$40.00} ) : I already paid a {$300.00} express cleaning fee ( see attached ledger ). Charging an additional fee is unsubstantiated double-billing. The collector has ignored my evidence and refuses to validate the debt accurately. I request that this account be closed and deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Subject : Complaint Against Comenity Bank for False Reporting to XXXX and Furnishing Inaccurate Information I am submitting this complaint regarding inaccurate information being furnished by Comenity Bank and reflected on my XXXX credit report. The payment history for this account reflects charge-off status in both XX/XX/year> and XX/XX/year>. A charge-off is a one-time accounting event, not a recurring monthly status. Therefore, one of these months is incorrect, and the payment history being furnished is inaccurate on its face. I have disputed this issue over XXXX times after identifying the inconsistency, specifically challenging the accuracy of the reported charge-off month and the payment history. Despite this, the company verified the information as accurate and continued furnishing the same incorrect data without correction. Because the payment history contains a clear factual error, any verification of this account is unreliable. If the account had been properly reviewed, the incorrect charge-off month would have been identified and corrected. Instead, the company continued false reporting to XXXX. This inaccurate data is contributing to inconsistent and unreliable credit reporting. The companys actions demonstrate a failure to ensure the accuracy of the information being furnished, as required under the Fair Credit Reporting Act. Given the continued reporting of inaccurate information and the failure to correct it after repeated disputes, I am requesting deletion of this account from XXXX ( where the false reporting is ). If the company is unable to verify and correct the accurate charge-off month, the account must be deleted to prevent further reporting of inaccurate information.

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 — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
I am requesting that MOHELA review and correct my loan account for improper interest accrual during a period when I should have qualified for 0 % interest administrative forbearance related to my SAVE repayment plan application. I applied for the SAVE income-driven repayment plan prior to the litigation-related pause. My application remained pending due to processing delays outside of my control. During this time, my account was placed into forbearance ; however, interest continued to accrue on my balance. Based on Department of Education guidance, borrowers who applied for SAVE and were placed into administrative forbearance due to processing delays should have been placed into a 0 % interest status during that period. I believe my account was incorrectly placed into a general forbearance category instead of a SAVE-related administrative forbearance. I have contacted MOHELA to request clarification and correction, but the issue has not been resolved. I am requesting the following : A full review of my account and forbearance classification during the relevant period Confirmation of whether I qualified for SAVE-related administrative forbearance Reclassification of my forbearance status, if applicable A retroactive adjustment to remove any interest that accrued during the period in question This interest accrual appears inconsistent with applicable federal guidance and has resulted in an unfair increase in my loan balance. I request that MOHELA correct this error and provide written confirmation of any adjustments made. Thank you for your review.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX services account number XXXX does not belong to I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX services account number XXXX does not belong to I have never done business with this company.

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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