vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 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: NC

Complaint narrative:
This collection account is completely inaccurate due to a gross clerical error regarding my move-out date and final billing ledger.My official lease paperwork and vacancy notices confirm that my scheduled move-out date was XX/XX/XXXX. The apartment management explicitly calculated a prorated rent rate up until XX/XX/XXXX. I have enclosed the official ledger showing this prorated rate, along with proof that this amount was fully paid and credited to my account.Despite this, the billing department mistakenly generated an inaccurate statement charging me full rent and fees through XX/XX/XXXX. I am absolutely not financially responsible for any rent or fees accumulated after XX/XX/XXXX. The only valid remaining balance I am responsible for is the final water and sewage utility bill, which totals approximately {$69.00}. The current collection balance of {$2300.00} reported by Columbia Debt Recovery, LLC ( operating as XXXX XXXX XXXX ) is entirely fraudulent. I submitted formal disputes with Experian and Equifax. Both bureaus completed their investigations and closed the cases, stating that Columbia Debt Recovery XXXX Genesis XXXX XXXX verified the fraudulent {$2300.00} data as " accurate '' while completely ignoring my paperwork proof.I mailed a physical dispute packet containing this exact prorated ledger and proof of payment directly to Columbia Debt Recovery XXXX Genesis XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX USPS tracking confirms it was delivered to their facility on XX/XX/XXXX, XXXXColumbia Debt Recovery / Genesis XXXX XXXX has completely ignored my physical evidence and continues to damage my credit profile by falsely verifying a mathematically broken ledger to the credit bureaus. This is a willful violation of the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I contacted the Nissan Motor Acceptance via telephone every month from XXXX until XXXX of XXXX requesting written information on the debt owed. Despite verbal promises that it would be sent it never was. I had been attempting to make any payments before they claimed it as a charge off. I attempted to mail payment for the verbally stated amount three times but payment was never cashed by the company. I still have not received any information on debt previously owed or confirmation of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America is engaging in deceptive account management, unfair practices, and extreme miscommunication that has caused me severe financial hardship. On XX/XX/XXXX, Bank of America deposited {$380.00} into my account and explicitly stated it was to resolve a pending dispute claim. Relying on this official action, I spent the funds on living expenses. Nearly a month later, on XX/XX/XXXX, the bank sent a letter retroactively rejecting the claim. Yesterday, on XX/XX/XXXX, bank representatives changed their story entirely, claiming that the XX/XX/XXXX deposit was actually my promotional sign-up bonus. However, my promotional bonus terms explicitly promised {$500.00} if I received {$10000.00} in direct deposit, meaning the bank has shortchanged me by {$120.00} on the bonus while retroactively clawing back an approved dispute. I received more than {$10000.00} deposit in 30days and the representative said it was only {$9600.00} and refused to explain. I demand that Bank of America honor the {$380.00} dispute credit I was given on XX/XX/XXXX and immediately deposit the remaining {$120.00} shortfall to fulfill the {$500.00} promotional bonus promise. '' And I don't understand how the bonus is XXXX dollars the promotion clearly states if it's XXXX $ direct deposit received it's XXXX if it's less than that it's XXXX and so on. This feels like a big scam.

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 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: KY

Complaint narrative:
Westlake Financial wrongfully repossessed my vehicle. My account was completely current under an approved 'no interest, no payment " automatic extension.On Thursday, XX/XX/year>, I contacted customer service and spoke with both a phone agent and a supervisor. On a recorded line, the supervisor explicitly admitted that my account was current and under a valid extension. However, they refused to return my vehicle unless I paid {$700.00} in 'repossession fees. 'When I requested a manager, they refused to escalate the call further, stated they could not guarantee the return of my vehicle today anyway, told me it would take 24 to 48 hours, and instructed me to contact the repossession company directly.Westlake Financial is holding my vehicle hostage over their own internal system glitch and is demanding predatory fees to return property that they seized unlawfully. They are refusing to provide written repossession orders or the statutory Notice of Intent to Sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate, misleading, incomplete, and potentially fraudulent information reporting within my Equifax consumer file. I previously disputed inaccurate reporting and submitted identity theft documentation after discovering unauthorized and inaccurate information associated with my personal information. I also filed an FTC Identity Theft Report regarding these matters. I am a prior victim of identity theft and unauthorized use of personal information. I also recently lost my wallet and believe my identifying information may have been exposed through prior consumer-data breaches involving national consumer reporting agencies and related systems. The following disputed reporting item continues to require reinvestigation and verification : XXXX XXXX / XXXX Approximate Balance {$7200.00} I dispute this reporting due to identity theft concerns, inaccurate furnishing, payment-history inconsistencies, reinsertion concerns, associated identity-linking concerns, and incomplete or unverifiable reporting procedures. I also dispute the derogatory payment progression and charge-off reporting associated with this tradeline and request a complete reinvestigation pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i, 1681c-2, 1681n, and 1681o. An FTC Identity Theft Report has been filed regarding these matters, and supporting documentation including affidavits, exhibit packets, and reinsertion references has been attached. I request : Immediate reinvestigation of all disputed reporting Deletion and blocking of unverifiable information Reinsertion-history review Method of verification Furnisher documentation Written confirmation of all deletions and corrections made to my consumer file Continued reporting of inaccurate, misleading, incomplete, unverifiable, or improperly reinserted information after notice may constitute negligent or willful noncompliance under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
On XX/XX/year>, I received a promotional email from Morgan Stanley Private Bank / E * TRADE offering a cash bonus of up to {$2000.00} for opening and funding a new Premium Savings Account. The promotion provided a {$1500.00} cash bonus for maintaining a balance between {$100000.00} and {$190000.00} during the required maintenance period. Later on XX/XX/year>, after opening my Premium Savings Account ending in XXXX, I received a second email from E * TRADE stating that my account " is now enrolled '' in the cash bonus promotion. On XX/XX/year>, I received another email from E * TRADE stating that I had " met the qualifying new money deposit requirement for the cash bonus. '' Relying on these written communications, I maintained more than {$100000.00} in qualifying funds in the account throughout the required promotional period and expected to receive the {$1500.00} bonus. On XX/XX/year>, I received an email from E * TRADE stating that my account did not qualify for the cash bonus. Since receiving that notice, I have contacted E * TRADE customer service approximately 5-6 times by phone. During these calls, I explained that I had received the original promotional offer, a confirmation that my account was enrolled in the promotion, and a confirmation that I had met the qualifying deposit requirement. I also uploaded supporting documentation when requested. Customer service representatives escalated the matter to supervisors and the promotions team. However, I was repeatedly unable to obtain a clear explanation for the denial. The only explanation ultimately provided was that I was allegedly " not part of the targeted campaign. '' This explanation is inconsistent with the written communications sent by E * TRADE. I received the original promotional email, a subsequent enrollment confirmation, and a later confirmation that I had met the qualifying deposit requirement. E * TRADE has not identified any specific promotion requirement that I failed to satisfy. I have included copies of the promotional offer email, enrollment confirmation email, deposit qualification confirmation email, denial email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Conduent Incorporated
State: NJ

Complaint narrative:
On XX/XX/XXXX i got a deposit to my XXXX XXXX card, way2go, and since i tried my pin to many times it had locked my card, i have tried contacting the customer service line on way2go app but cant reach any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I booked a hotel reservation under a non-refundable policy but never checked into the hotel, never occupied the room, and never received any actual lodging services. Despite this, the merchant retained {$1400.00} and my dispute was denied twice. I requested a reasonable investigation into whether services were actually rendered, including proof of check-in, occupancy records, keycard issuance, or signed registration documents. To date, I have not been provided adequate evidence that I ever occupied the room or received the contracted services. The issuer appears to have relied solely on the existence of a non-refundable cancellation policy rather than determining whether the merchant actually incurred damages or provided services. I am requesting : * A reinvestigation of the disputed transaction * Disclosure of the evidence relied upon during the dispute process * Confirmation of whether the merchant provided proof of occupancy or actual use * Review of whether the merchant mitigated damages by reselling the room I believe the investigation was incomplete and unfairly favored the merchant without adequately addressing whether services were actually rendered. This disputed amount represents a substantial financial hardship to me. While I understand that cancellation policies exist and I am willing to accept responsibility for a reasonable fee associated with the late cancellation, I do not believe retention of the full amount was fair under the circumstances. The card issuer is Goldman Sachs Bank. The hotel in question is XXXX XXXX XXXX of XXXX XXXX, XXXX. The reservation was booked through XXXX The check-in date was supposed to be XX/XX/year> and an attempt to cancel was made the day prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I lost my wallet last weekend and had several fraudulent charges that were made on my account. After the charges were posted I filed a claim with chime to dispute these fraudulent charges. After a few days of investigation they came back and denied my dispute stating the charges were accurate. How can fraudulent charges not made by me be considered valid when I filed a dispute immediately against these charges. Chime/XXXX bank is clearly in violation of Regulation E and is utterly disappointing that clear fraud charges would still be marked as valid. I am requesting full refund of all charges against my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My card is locked by the company because of fraud alert as per customer service. They said they send a letter out to verify my account to my address. Its been about a month since I was told that the letter was sent out but I never received it. Every time I call they keep saying that they cant verify my account until I receive the letter. Now I cant use the card, make payments or close the account. Im afraid they are going to charge me late fees.

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 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
T he merchant is attempting to utilize a consumer credit line for a project that has been structurally abandoned and left in a state of active property damage. I paid {$100.00} cash deposit via check on XX/XX/year> to XXXX XXXX XXXX XXXX XXXX XXXX and accepted their offer to finance the remainder of the project for {$16000.00}. This installment loan was approved immediately on-site. The financing was applied for on a XXXX XXXX company provided tablet with the salesperson assisting and submitting portions of the finance application in-person at my home in XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX installed a single XXXX XXXX XXXX on XX/XX/year>, that is entirely unsupported and failing, with insufficient weatherproofing to prevent rain water from entering my home. The job was left incomplete and has since been abandoned. The merchant has not answered any email, phone or text communications since XX/XX/year>, and never returned to the job site. The job is entirely incomplete and XXXX XXXX XXXX XXXX XXXX XXXX, both XXXX call center as well as XXXX office location, have not returned emails, phone calls, or text messages for over a week currently. Service finance company has been notified of this dispute and placed a freeze on funds.

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 2026-05-29 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: WV

Complaint narrative:
I am submitting this complaint regarding Midland Credit Managements reporting of an alleged collection account and communications concerning that account. I have discovered that the same account is being reported materially differently across consumer reporting agencies. XXXX currently reports the account as an active collection account with a balance of approximately {$5300.00} and indicates it will remain on file until XX/XX/2026. However, XXXX reports the same Midland account as a paid collection with a {$0.00} balance and includes remarks indicating the account was settled for less than the full balance. XXXX does not report the account at all. I have never paid, settled, or otherwise resolved this account. Therefore, I do not understand how the same account can be reported simultaneously as an unpaid {$5300.00} collection account and as a paid/settled collection with a {$0.00} balance. I have disputed this account through consumer reporting agencies on multiple occasions. Most recently, the account was updated following a reinvestigation in XX/XX/2026, yet the reporting remains inconsistent. In addition, on XX/XX/2026, I received a voicemail from a caller who appeared to be attempting to collect on this account. The caller used an outdated surname that I have not used for approximately three years and referenced a pending claim, location services, and obtaining my signature at my home or workplace. The caller did not identify Midland Credit Management, the original creditor, or provide any court or case information. When I called the number provided in the voicemail, the number routed to Midland Credit Management. Under the Fair Credit Reporting Act, furnishers of information have a duty to provide accurate information to consumer reporting agencies and to conduct reasonable investigations of disputed information. I am requesting that Midland Credit Management : 1. Explain the materially different reporting being furnished regarding this account. 2. Provide documentation supporting the accuracy of the information being reported. 3. Clarify whether the voicemail communication was made on Midlands behalf. 4. Correct or remove any inaccurate information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
On multiple occasions, I noticed an issue with a collection account being reported on my credit report that I do not believe is valid. I disputed this account with the credit bureaus several times and also requested full validation from the company. The company failed to provide proper documentation such as the original contract, full payment history, or proof that I am legally responsible for this debt. Despite this, they continue to report the account as verified with XXXX, while it has already been deleted from XXXX, showing inconsistent reporting. This has resulted in inaccurate credit reporting and negatively affected my credit profile. I requested that the company provide proper validation or remove the account, but the issue has not been resolved. The amount involved is approximately {$2500.00}. I am seeking a full investigation and the removal of this inaccurate collection account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
From the XXXX of XXXX until now these people have called me, called my family, discussed private matters with my family when they were told I wasnt present and and they have continued to harass me and my family while this is a personal matter to me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate reporting and improper handling of my account with JPMorgan Chase Bank ( JPMCB ). My account was marked as a charge-off due to what I believe to be inaccurate information, which has significantly impacted my credit report and overall financial standing. My credit report inaccurately reflects this account as a charge-off. I did not receive any notifications or communications from JPMCB indicating that my account was in distress or at risk of being charged off. I expected to be informed about any missed payments or issues that could lead to such a drastic measure. I believe that JPMCB failed to adhere to proper communication protocols, depriving me of the opportunity to address any misunderstandings or issues before the account was reported as charged off. This lack of communication has not only affected my credit score but has also caused undue stress and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I sent a certified correspondence to the company Resurgent Capital Services L.P., who is working on the behalf of LVNV Funding LLC, stating that I only wanted them to communicate via XXXX mail. They received this request XX/XX/2026 at XXXX and they have sent multiple repeated emails daily since. Totaling XXXX emails sent since the request has been received. The have not provided the documents requested.

Company response to consumer: Closed with non-monetary relief