vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Columbia Debt Recovery. This account is currently being reported as a collection account with a balance of approximately {$12000.00}, which exceeds the original balance of approximately {$10000.00}. No explanation or documentation has been provided to justify the increase in balance. I previously disputed this account through the credit bureau, and it was marked as verified. However, no documentation or details regarding the method of verification were provided. I then requested the method of verification, including documentation such as a signed agreement, proof of the original debt, and proof of authority to collect. The company failed to provide any of this information. Despite this, the account continues to be reported, which raises concerns about the accuracy and completeness of the investigation conducted. Reporting a debt without providing proper verification and failing to supply supporting documentation does not meet the requirements of a reasonable investigation under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
On or around XX/XX/year>, I received a notice from Transworld Systems Inc. attempting to collect {$410.00} on XXXX XXXX XXXX XXXX XXXX This is not a missed payment. When I discontinued my XXXX XXXX, I was advised I could switch carriers with no cancellation fees. I was later informed of a balance related to a booster device that I do not recognize. XXXX XXXXas not provided any record showing I purchased or authorized this device, the date of the transaction, or the representative involved. I requested validation of this debt, including proof of purchase and account history, but no sufficient documentation has been provided. Despite this, the account has been reported or is being collected. I believe this is an attempt to collect a debt I do not owe and request that the account be fully validated or removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was a vendor at an event located in XXXX XXXX. I arrived around XXXX XXXX and asked the event staff about where to park. They had told me to park on their side of the wall. I had a follow-up question about the no-parking signs, and they said it was okay to park there, since the tenant had been permitted to park for the day of the event. Around XXXX XXXX, we were notified that cars were towed. I checked, and mine was gone. I talked to the tow truck driver and asked why he towed my car, to which he said the store I parked in front of called him to tow away cars parked there, citing signs. These signs were made of paper, with no time or date stamp, no real way of knowing who put them up, or for how long someone could park there, and were put up well after I had parked there. The tow truck driver made no mention of the other signage and only referred to the paper signs. They gave no warning and no time to move my car. The other permanent signs also had no time stamp, no date stamp, and no indication that anyone wasn't allowed to park in that area. I was forced to pay the {$530.00} under XXXX and XXXX ; I would have lost my car, as there was no reasoning with the tow truck driver. If I had been given enough time, notice, proper signage, and information, I would have prevented my car from being towed, as I wouldn't have parked there in the first place. I did not make a conscious, malicious decision to park in front of someone's property to spite and ignore their rules. I made this case with XXXX XXXX XXXX which did not adhere to my argument. They claimed that because there was a payment receipt, the transaction was valid, without considering the above. From the 2nd letter that included their 1st decision, the Merchant offered illegible documents, which the phone representative, whom I called on XX/XX/XXXX, could not read either. I have made an appeal citing legal requirements that were not given to me at the time, and they still sided with the tow company. They waved me off the deal, told me to handle it outside of XXXX, and sought payment from the property owner, tenant, and event organizer. XXXX has a duty to protect its consumers, and it has failed me. In summary, this was a coerced forced payment to a predatory business that could have been prevented altogether had there been proper signage. I should not have to pay because a business failed to fulfill its responsibilities to maintain its parking spaces and rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened an account with BMO Alto saving after a couple of days, I decided to transfer my funds to XXXX XXXX saving account they froze my account telling me they are keeping my money safe demanding from me documents that I'm the owner of the external account which is a XXXX XXXX which I provided to them twice with my drivers license. They are still refusing to release my funds I don't have an access to it. They are holding my money hostage for almost a month already I have seen a lot of complaints XXXX review. How can they operate in United States like this someone supposed to pay attention how they operate I want them to immediately release my funds. They are holding it illegally.

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 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MA

Complaint narrative:
I am filing a complaint against a debt collection company for attempting to collect on a debt that I do not recognize and failing to comply with federal law. I have received repeated phone calls from this company regarding an alleged debt that I do not believe belongs to me. I have informed the company multiple times that I dispute the debt and requested that they provide written validation, as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite these requests, they have failed to provide any documentation verifying that I am responsible for the debt. In addition, I have advised them that they may have incorrect information, including the wrong name and/or address. The company has not corrected this issue or provided proof that I am the correct individual associated with the alleged debt. The company continues to contact me by phone, often using different phone numbers, even after I have requested that they stop calling. This ongoing conduct is causing harassment and significant stress. I am requesting that the company : 1. Provide proper written validation of the alleged debt. 2. Cease all telephone communication with me immediately. 3. Only contact me in writing moving forward. 4. Stop all collection efforts if they are unable to verify that this debt belongs to me. I believe this company is in violation of the FDCPA by failing to validate the debt and by continuing to contact me after repeated disputes and requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
According to my XXXX credit report, there is a collection account listed in my name with a current balance of approximately {$17000.00} ( original balance around {$12000.00} ) that was opened in XXXX. I do not recognize this debt and did not take out any loan or account in this amount during that time period. I began the home buying process on XX/XX/XXXX, at which time a mortgage company ran my credit. I discovered this collection account shortly after during that process. Prior to this, I was unaware of the existence of this account. The original creditor is listed as XXXX XXXX XXXX, which I understand is no longer in business due to prior fraudulent practices. The account is currently being reported and collected by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/XXXX, immediately after discovering this account, and formally disputed the debt while requesting full validation and documentation. It has now been approximately XXXX XXXX, and they have not provided any meaningful assistance or proof. I have only been told to continue waiting, with no resolution. The company has been unable to provide sufficient evidence that this debt belongs to me. They stated that the account is associated with my Social Security number ; however, it is tied to a different name and a different date of birth. This discrepancy strongly indicates identity theft or a mixed credit file. I have also disputed this account with the credit reporting agency, but it continues to be reported on my credit file. This has negatively impacted my credit and is now interfering with my ability to proceed with my home purchase. I am requesting that this account be thoroughly investigated, that all collection activity cease, and that the account be removed from my credit reports immediately, as it does not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
This complaint concerns an installment loan issued by Affirm to finance a lodging reservation booked through XXXX ( XXXX ID : XXXX, total ~ {$1400.00} ). The lodging services provided were materially deficient and not as represented. Upon arrival, the property had multiple serious issues, including : HVAC not functioning properly Active pest infestation ( ants present in food and water areas ) Safety concern due to a damaged/broken exterior door General cleanliness and habitability deficiencies These issues were documented with photographs and reported promptly to the host during the stay. Despite these conditions, no meaningful remediation or alternative accommodations were provided. I filed a dispute with Affirm, providing detailed documentation, photographs, and communication records. However, the dispute was denied based solely on the merchants cancellation policy, without any substantive consideration of the defective nature of the services provided. Affirm treated this matter as a cancellation dispute rather than a dispute involving materially deficient services. This misclassification resulted in an improper denial. Additionally, Affirm referenced a partial refund or compensation offer from the merchant ; however : No refund has been processed No funds have been received My loan balance remains unchanged Affirm relied on unverified or incomplete merchant statements rather than actual outcomes. A prior CFPB complaint was submitted but was not addressed on the merits due to an alleged name mismatch. I am the account holder associated with this loan, and the underlying issues remain unresolved. Following the dispute denial, I was and continue to be subjected to repeated payment demands ( multiple times a day via email, text, etc. ) and delinquency warnings, and was forced to make a payment under pressure to avoid potential credit damage while this matter remains disputed. I am requesting a proper and substantive review of this dispute based on the documented service deficiencies, rather than a default reliance on merchant cancellation policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of a XXXX " XXXX XXXX '' investment scam. I was manipulated and psychologically coerced by a person named XXXX XXXX into sending a total of {$16000.00} to a fraudulent platform and an intermediary. The fraud involved a fake trading app from the XXXX Store ( Order ID : XXXX ) and fraudulent legal documents ( XXXX XXXX contract ). Out of the total amount, {$14000.00} was sent directly to an unlicensed entity ( XXXX ) at XXXX XXXX operated by a person named XXXX through Wire Transfers and XXXX payments. I have evidence that XXXX is refusing to provide the transaction hashes ( XXXX ) or any proof of where the funds were sent, which confirms he is operating as an unlicensed XXXX XXXX XXXX ( XXXX ) and hiding the money trail. Bank of America has failed in its due diligence by allowing these high-value transfers to a suspicious recipient. They have already unfairly closed my claims regarding the XXXX transactions and have been uncooperative regarding the Wire Transfers, treating these as simple " authorized '' payments while ignoring the fact that they were induced by criminal fraud and coercion. I am a mother of XXXX XXXX ( ages XXXX, XXXX, and XXXX ) and this has left my family in financial ruin, unable to support my ill mother. I demand that Bank of America and XXXX XXXX be investigated for failing to flag these unlicensed transactions and I request a full recovery of my funds. ( FBI 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 monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding Aidvantages failure to issue a refund owed to me following a borrower defense discharge. My federal student loans were XXXX in XXXX XXXX due to borrower defense related to XXXX XXXX XXXX I made payments on these loans and am entitled to a refund of those payments. Despite the discharge being completed over a year ago, I have not received my refund, nor have I been provided clear information about its status. This delay is unreasonable and outside expected processing timelines. I am requesting that Aidvantage provide the exact refund amount, confirm whether the refund has been sent to the XXXXXXXX XXXX XXXX XXXX, and issue the refund immediately if it has not yet been processed. I also request a full explanation for the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
b'My Home Depot credit card was added second user and my mailing address was changed to second user address from XXXX XXXX XXXX XXXX without my permission,I reported fraud to Home Depot credit service and made many calls.\n\nAfter discovering the unauthorized activity, I immediately reported the fraud to Citibank and requested \nthat the charges be removed. Citibank conducted an investigation and later sent me a letter stating that \nthe charges were considered valid because the card used contained an embedded chip and was used at a \nchip-enabled reader.\n\nHowever, Citibanks conclusion fails to address the central issue of my complaint: an unauthorized individual \ngained access to my account, added themselves as a user, and changed my mailing address. Any card issued or \nused after those unauthorized changes would have been obtained through fraudulent access to my account.\n\nI did not authorize the addition of any second user to my account, I did not authorize any address change, \nand I did not authorize the transactions in question.\n\nI am requesting the following actions:\n\n1. That Citibank reopen the fraud investigation.\n2. That Citibank provide documentation showing how and when the authorized user was added to my account.\n3. That Citibank provide documentation showing how and when the mailing address was changed.\n4. That Citibank provide documentation of where any replacement card was mailed.\n5. That the approximately $2,000 in unauthorized charges be removed from my account.\n\nI believe the denial of my fraud claim is improper and does not comply with consumer protections under the \nFair Credit Billing Act. I respectfully request the Consumer Financial Protection Bureaus assistance in \nresolving this matter.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount: Home Depot Consumer Credit Card (Citibank) XXXX XXXX XXXX XXXXattachment: 1.Last month statement I received before address was changed.\n 2. requested statement after address was changed back.\n 3. investigation decision letter.'

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
b'To CFPB-New Complaint \nCompany information: Bank of America,N.A.\nAddress: XXXX XXXX XXXX XXXX XXXX MO XXXX \nEvidence information:\nFTC report number XXXXIC3 Complaint ID: XXXX XXXX XXXX XXXX XXXX XXXXnReport # XXXXScammers information:\nPhoneXXXX XXXX XXXX XXXX XXXX XXXX XXXXHis ancle: XXXX XXXX XXXXHis son. XXXX XXXX XXXX XXXX XXXXNote:I was scammed into transferring money from my Bank of America account. Please investigate .I was a victim of a fraud/scam. A person claiming to be XXXX XXXX or XXXX XXXXXXXX XXXX contacted me and instructed me to transfer money. I went to the bank branch and also used the mobile app to send money as directed. The scammer provided a fake Florida ID and used different names for the receiving accounts. I have reported this to the FTC, IC3, and the Sheriffs Office. I believe the bank should have flagged these suspicious transactions as fraud."'

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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was scammed to rent a 2 bed, 1 bath duplex ( XXXX XXXX XXXX XXXX XXXX, Tx XXXX ) I paid {$80.00} for application fee {$600.00} for deposit and {$800.00} for split rent & key I never received a refund nor key Their number is ( XXXX ) XXXX My number is ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding unauthorized access to my Cash App account and the companys failure to resolve the issue after confirming fraud. My account was compromised on XX/XX/year> and unauthorized transactions were made without my knowledge or consent. I reported this immediately to Cash App support. Multiple representatives confirmed that my account had been hacked and stated that my case was escalated and that I would be reimbursed. Despite these confirmations, I have not received my funds, any meaningful updates, or a resolution timeline. Cash App has failed to follow through on their commitments and has not acted in a reasonable timeframe to resolve a confirmed fraud claim. This is especially concerning given that the company acknowledged unauthorized access to my account. Their failure to reimburse me or provide updates demonstrates a lack of proper consumer protection and response. I am requesting : - Immediate reimbursement of all unauthorized transactions - A written explanation of the investigation and outcome - Confirmation of actions taken to secure my account If this matter is not resolved promptly, I am prepared to pursue further legal action. I have documentation, including chat transcripts confirming the unauthorized access and escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX has inaccurately sent over an outstanding balance to this creditor tha was already settled in court and the court also disbursed the funds that image then back to the property so XXXX unaware how I owe them {$11000.00}. And the complex had that I was living out here on XX/XX/year> which is incorrect as well because I have my welcome letter from my apartment that I moved to during that time, this apartment complex has harassed me my XXXX XXXX .This debt is being reported inaccurately. The account in question was resolved through a court settlement, and all required payments were made. Despite this, a balance has been placed in collections and is being reported as owed. I have documentation confirming the case was settled and the balance satisfied. I am requesting : Immediate removal of this collection account Correction of all credit reporting Verification of how this balance was calculated after the court resolution This inaccurate reporting is impacting my ability to secure hous

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX For over 40 days, PayPal has been withholding {$85.00} of my funds and maintaining a - {$14.00} negative balance due to fraudulent chargebacks. On XX/XX/XXXX, a PayPal agent explicitly confirmed in writing that my evidence was 'Undeniable ' and promised protection. Despite this, PayPal continues to hold my money and has provided conflicting information. Furthermore, when I attempted to escalate the issue, an agent intentionally ended the chat session to avoid helping me. I filed a XXXX complaint ( # XXXX ), but PayPal attempted to evade responsibility by claiming a lack of jurisdiction instead of addressing their agents ' misconduct. I am seeking a Manual Credit of {$85.00} and the immediate clearance of my negative balance

Company response to consumer: Closed with explanation