vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I disputed multiple accounts with Concora Credit through the credit bureaus, and each dispute was marked as verified without a proper investigation. No documentation or explanation of how the late payments were verified has been provided. Despite submitting more than one dispute, the responses appear automated and do not address the accuracy concerns. The reported late payments remain inaccurate. I am requesting that Concora Credit either provide proper documentation supporting the reported late payments or remove the inaccurate information from my credit report from each account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have a home mortgage through XXXX XXXX XXXX since XXXX of which we have to have home owners insurance. I had auto insurance with XXXX and their company they used was XXXX XXXX for homeowners. I received a letter from XXXX notifying that they were no longer going to insure me and my family because of several accidents that my children had under my policy. Therefore we decided to leave XXXX and XXXX XXXX in the month that they gave us to make our move. We notified XXXX and XXXX XXXX of date to end insurance with them. We changed over to XXXX XXXX without lapse in service. I have been with XXXX for auto and homeowners insurance since. If i recall correctly this occurred XXXX of XXXX. I have communicated several times with the collection agency even offering info to verify with my mortgage company -XXXX XXXX XXXX They refuse to move forward and verify. I have never been without coverage. I made all the necessary calls and communication to XXXX and XXXX. However XXXX never stopped my homeowners insurance and that's why I have this collection. This is not my debt and I'm not liable if I completed every step that the old and new insurance agencies required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forest Recovery Services LLC
State: OH

Complaint narrative:
I am filing this complaint regarding an inaccurate and improperly reported debt related to XXXX XXXX XXXX XXXX XXXX XXXX which is now being reported on my credit in the amount of approximately {$4800.00}. On XX/XX/year>, I signed a written Notice to Vacate agreement with apartment management. This document, which was also signed by the property manager, clearly states that my total lease termination obligation was {$2800.00}. At that time, my rent was fully paid, and this amount represented the agreed-upon balance between both parties. However, I later received a collection notice from XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>, which listed a significantly higher balance. That notice stated : Balance as of XX/XX/year> : {$7100.00} Interest charged : {$55.00} Total balance claimed : {$7200.00} This amount directly contradicts the signed agreement of {$2800.00}. Now, a different collection agency, forest recovery services has reported this debt on my credit report for approximately {$4800.00}, which is yet another inconsistent and unsupported amount. I was never provided any written notice or validation from this new collection agency, nor was I notified that the debt had been transferred or sold. At this point, there are XXXX different amounts associated with the same alleged debt : {$2800.00} ( signed agreement with apartment management ) {$7200.00} ( first collection notice from XXXX XXXX XXXX ) {$4800.00} ( current amount reported on my credit ) These inconsistencies raise serious concerns regarding the accuracy, legitimacy, and handling of this account. I have disputed this account with the credit reporting agencies ; however, I am requesting a full investigation. Specifically, I request : 1. A complete itemized breakdown explaining how the balance increased beyond the agreed {$2800.00}. 2. Copies of any documents bearing my signature that support the higher amounts claimed. 3. Proof that the current collection agency has legal authority to collect this debt. 4. Documentation showing proper notice was sent to me as required by law. 5. Immediate correction or removal of any inaccurate information reported to credit bureaus. Given the lack of proper notice, the conflicting balances, and the existence of a signed agreement establishing a lower amount, I believe this may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have attached a copy of the signed Notice to Vacate agreement as supporting documentation. I am requesting that this account be corrected to reflect the accurate agreed amount of {$2800.00}, or removed entirely from my credit report if proper validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SunTx Capital Partners
State: TX

Complaint narrative:
Between XXXX and XXXX of XXXX I made arrangements with XXXX XXXX XXXX to pay off my vehicle loan. I worked with an employee and fulfilled my responsibility. Not shortly after, I was told that the company had folded. I have made several attempts to request my title. I have sent certified letters in XXXX and still no luck. When I reached someone by email, I was told there was no record of my account. However when I contact the Texas XXXX XXXX XXXXXXXX XXXX. it still shows XXXXXXXX XXXX XXXX as the lienholder. I am owner financing the sale of the truck and the purchaser needs to be able to register the truck in his name in order to work and purchase the vehicle. However, he is unable to register the vehicle without the title.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citibank is conspiring with another merchant, XXXX XXXX, to deny my dispute XXXX of services not rendered with a poor or incomplete investigation, due to last-minute flight cancellation with an XXXX flight change done by XXXX XXXX that falls under U.S. Federal law/ XXXX XXXX XXXX XXXX Significant Delay/Cancellation, all airlines are entitled to provide a full cash refund if a flight is canceled or significantly delayeddefined as XXXX hours for domestic and XXXX hours for internationaland you choose not to take alternative transportation. Citibanks dispute process is designed for the cardholder to fail. When a cardholder issues a dispute, Citibank only allows the Alleger to enter their issue within a XXXX box explaining a possibly complicated issue of fraud. However, Citibank allows the Respondent time and the ability to use tools to upload exhibits. In my case, it looks like XXXX just sent a document showing I was on a XXXX flight. This is false. As the cardholder, Citibank gives no opportunity to Alleger to defend the Respondents claims. As a Fraud Investigator for the XXXX Office of the Inspector General, and walking through this process, I feel Citibanks dispute process is harmful to the cardholder/ Public and allows a multitude of e-commerce fraud to go unanswered. Full Complaint and Exhibits attached Citi XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding a lack of transparency and inconsistent account balance information from ClearOne Advantage, a debt settlement company I am currently enrolled with. I have been attempting to obtain accurate, up-to-date payoff amounts for the accounts included in my program. The amounts displayed in my account only reflect the original enrolled balances and do not show current amounts owed, payments made, fees assessed, or remaining balances. On a recent phone call, a representative provided me with specific payoff amounts for each account. Approximately one month later, I contacted the company again to make a payment toward what I believed was the total remaining balance, including fees. At that time, a different representative informed me that I owed approximately {$400.00} more than what I had previously been quoted. When I raised concern about this discrepancy, I was told to overpay and that any excess funds would be refunded later. I find this unacceptable, as I should be provided with accurate and consistent information before making payments. Additionally, I was told that I would receive a comprehensive, itemized statement outlining the current balances and fees for each account. This documentation was never provided. I currently have a time-sensitive payment deadline required to maintain my settlement agreements, but I do not have confidence in the accuracy of the balances being provided. This has placed me in a difficult position where I can not make informed financial decisions. I am requesting the following : * A complete and itemized accounting of each enrolled account * Current balances owed, including all fees and payments applied * A clear explanation for the discrepancy between previously quoted amounts and current balances * Assurance that no additional or undisclosed fees are being added without transparency I believe this lack of transparency may be misleading and potentially harmful to consumers attempting to resolve their debts responsibly. I am requesting prompt resolution so I can proceed with accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> To Whom it May Concern : I am submitting this complaint regarding Chase Home XXXX reporting of a 30-day late payment on my mortgage, which I believe does not fairly reflect my creditworthiness or the circumstances involved. I have a long-standing history of timely payments and have consistently maintained my mortgage in good standing. This recent late payment was an unintentional oversight. I believe this must have been a glitch in the online payment process, as I have never missed a payment before. However, what is most concerning is that I was not notified of the missed payment until after it had already reached the 30-day threshold and was reported to the credit bureaus. At no point prior to this reporting did I receive a phone call, or any form of urgent communication indicating that my payment was approaching a 30-day delinquency status. Given the serious impact that a 30-day late payment has on a consumers credit profile, I would reasonably expect proactive outreach or notification prior to such reporting. Immediately upon being notified by Chase on XX/XX/XXXX ( regarding the XXXX missed payment ), I brought the account current the same day. This demonstrates my intent and commitment to maintaining my account in good standing. Despite this, Chase declined my request for a goodwill adjustment, citing general reporting obligations under the Fair Credit Reporting Act. While I understand the importance of accurate reporting, the FCRA does not prohibit creditors from making goodwill adjustments in situations where the reporting does not accurately reflect a consumers overall credit behavior. This isolated incidentcombined with the lack of timely notification and my immediate corrective actionhas resulted in a significant and disproportionate drop in my credit score of approximately XXXX points. I am requesting that Chase conduct a reasonable and fair review of this matter and remove the 30-day late payment from my credit report as a goodwill adjustment based on : -My established history of timely payments -Lack of timely notification prior to credit reporting -Immediate payment upon awareness -The disproportionate impact of this single incident This situation does not reflect my true credit profile, and I am seeking a fair resolution. Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: SC

Complaint narrative:
I am disputing this account as not mine. I do not recognize this debt or this company. I sent a certified letter requesting full validation on XX/XX/year> and have not received proper verification. The company continues reporting without providing proof of a signed contract or ownership. This is a violation of the FCRA. I am requesting immediate deletion of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Invitation Homes FAIR COLLECTIONS AND OUT XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Even though this company lost a federal law suit for the exact reasons they placed this fraudulent collection against me, they refuse to remove this record from my credit report. Attached is a letter from the FTC. For more info, 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 explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a formal written dispute to the debt collector requesting validation of an alleged debt of {$3300.00} from original creditor XXXX XXXX. I included my signed Lease Buy-Out Agreement and proof of payment of {$3400.00} the only amount stated in the agreement. Despite my pending dispute, the collector reported this account to the credit bureaus on XX/XX/XXXX before providing any validation. This violates 15 U.S.C. 1692g ( b ), which requires all collection activity, including credit reporting, to cease until validation is provided. The alleged debt is also not supported by the governing contract. The Lease Buy-Out Agreement ( Paragrap h 5 ) contains a specific fill-in field requiring the landlord to state the dollar amount of any concession repayment in writing. That field was left blank in the executed agreement. No concession amount was ever disclosed or agreed to. I paid the only stated amount ( {$3400.00} ) and have proof of payment. In XX/XX/XXXX, the collector responded with a copy of the original lease. This does not validate the specific balance claimed, as it does not address the blank concession field in the Buy-Out Agreement which is the controlling document for my early termination. I am requesting deletion of this tradeline from all credit bureaus on the basis of the FDCPA timing violation and the lack of a valid written agreement supporting the claimed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am attempting to resolve a balance on my account with American Express in good faith. Over a month ago, I specifically requested that all available repayment or settlement options be provided to me in writing via email. I did not receive any response, correspondence, or follow-up to that request. I have since been contacted again by phone, beginning yesterday, XX/XX/year>, regarding potential options. However, the representatives I have spoken with continue to refuse to provide any of these options in writing and insist on explaining them verbally only. This prevents me from properly reviewing, comparing, or considering the terms being offered and puts me in a position where I am being asked to make a financial decision without documentation for my records. I also need to be able to review these options with my financial advisor, which requires having the terms clearly documented in writing. Additionally, I have been told that letters and emails were previously sent to me, but I have not received any such correspondence. During multiple recent calls, I have requested to be transferred to a higher-level representative or a department that can provide written documentation. Those requests have been denied, and in some instances, calls have been disconnected when I attempted to escalate the matter. At this point, I have made multiple good faith attempts to obtain clear, written information so I can resolve this account responsibly, but have been unable to do so. I am requesting that American Express provide all available repayment or settlement options in writing via email or mail and allow me reasonable time to review them before making a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year>, I applied for the Capital One XXXX card under a promotional offer of XXXX miles and a {$100.00} travel credit. After meeting the spending requirements, the XXXX miles were credited, but the {$100.00} travel credit was not. I contacted Capital One customer service, but they denied the existence of the travel credit offer on my account. This is a discrepancy between the advertised terms at the time of my application and the actual fulfillment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
They are calling my family members all over and leaving voicemails .. I have messages from my brother saying they are calling him constantly and he lives in another state They constantly call me aunt .. my sister.mu husband .its harrasment at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
Bilt Rewards is a company that also has a credit card issued via partner bank. I was the victim of fraud and called them to stop the fraud. One thing is the perpetrator changed my phone number and email as part of the hack. Bilt outsources its customer service somewhere abroad, but they said they could not freeze the account or change my information back. As a result, despite a clear crime happening, my account remains under the control of the perpetrators. This is very unusual and entirely unsafe. Bilt also has no customer service for their Bilt Rewards ( which was also hacked ) - no phone number or urgent support for security issues. All their phone numbers are foreign outsourced agents who neither have knowledge nor power to resolve fraud issues. In addition to being very easy to hack and scam, Bilt provides zero support for customers in a timely manner, which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: NY

Complaint narrative:
I signed up for a Chime Checking Account on XX/XX/year> through a publicly accessible promotional link advertising a bonus of up to {$350.00}. I had also been exposed to this offer through XXXX content and advertisements from a creator, XXXX XXXX, which reinforced that the promotion was publicly available and accessible through referral links. When I later contacted Chime on XX/XX/year> to follow up on how my promotional bonus was progressing, I was told that I had never been eligible for the offer and was directed to a policies page stating that eligibility required receiving a direct invitation from Chime. The promotional page I signed up with clearly displayed the {$350.00} offer and included the language Only through this page. See how below, which indicated that eligibility was tied to signing up through that page. The page also included a Terms and conditions link, this directed to fine print at the bottom of the same page, which I read through, and did not mention any requirement to receive a direct invitation from Chime. Additionally, the page included a clear three-step How to earn {$350.00} infographic section, which focused entirely on opening an account and completing qualifying direct deposits. There was no mention of any invitation requirement in this process. The offer is specifically for new account holders, however the separate policies page states that eligibility requires you to " Receive an invitation from Chime to participate in the Offer via your Chime app, SMS text message, push notification, email, or advertisement to be eligible for the Offer. '' As a new user, it would not be possible to receive an in-app notification prior to opening an account, which adds to the confusion around eligibility. As I found out about this offer through an advertisement on XXXX I would assume that would be included in the eligibility. Based on how the offer was presented, I reasonably believed I was eligible and began completing the qualifying requirements, including opening an account and setting up direct deposits. This requirement was not clearly or prominently disclosed during the sign-up process and only surfaced after I contacted support. Allowing users to enroll and begin completing requirements without clearly surfacing a disqualifying condition creates a misleading experience and a reasonable expectation of eligibility.

Company response to consumer: Closed with explanation