vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am submitting this complaint regarding a debt collection account that I dispute in its entirety. I previously requested validation of the charges being claimed. The debt collector provided invoices and supporting documents ; however, the amounts and charges reflected in those documents do not match the charges being claimed and reported. The charges being sought include : Carpet : {$180.00} Painting : {$270.00} Cleaning : {$160.00} Utilities : {$200.00} Upon review of the documentation provided, I identified multiple discrepancies. The invoices and move-out related documents do not support the amounts being claimed. In addition, the dates and supporting records provided appear inconsistent with the lease and move-out documentation. I submitted a written dispute and requested complete validation of the debt, including documentation showing how each charge was calculated and evidence establishing that I am legally responsible for the amounts claimed. Despite my requests, I have not received documentation that adequately validates the debt or reconciles the discrepancies between the invoices and the amounts being reported. While the debt remains disputed, the account has been reported and/or updated on my credit report. I believe the reporting is inaccurate because the amounts being furnished have not been properly substantiated and the supporting documentation does not match the claimed balance. I am requesting that the company provide complete validation of the debt, including an itemized accounting of all charges, copies of all supporting invoices, proof that the charges are authorized under the lease agreement, and an explanation for the discrepancies between the documentation provided and the amounts being reported. If the company can not validate the debt, I request that the account be corrected or removed from credit reporting and that all collection activity cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MS

Complaint narrative:
An ambulance service provider ( XXXX XXXX XXXX Credit Bureau Systems ) is actively reporting a negative medical collection on my credit report for an XXXX transport from XX/XX/XXXX. The collection agency previously marked this debt as " verified '' to the credit bureaus. However, on XX/XX/XXXX, I contacted the billing department directly and their representative explicitly confirmed that they had never attempted to submit this bill to my health insurance provider before sending it to collections. Standard medical industry practice dictates that emergency transport providers coordinate with the receiving hospital to obtain the patients face sheet and demographic data. The billing company completely failed to perform this basic administrative check, yet they are trying to pass the blame onto the patient. I immediately provided my valid health insurance details over the phone during this call. The representative accepted the insurance information but stated they " did not know if my insurance would take the claim '' due to the age of the account, claiming it was the patient 's responsibility to ensure they had the information on file sooner. They flatly refused to recall the account from collections or pause reporting. Under the Fair Credit Reporting Act ( FCRA ), a collection agency can not knowingly maintain a maximum unadjudicated balance on a consumer 's credit profile while simultaneously holding the active health insurance policy meant to cover the service. Reporting a gross unbilled balance as a " verified consumer debt '' is inaccurate and misleading. I demand that this account be placed into a " pending insurance '' freeze status and completely removed from my credit file while the insurance claim is submitted, audited and processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson Capital LLC Jefferson Capital Systems LLC is reporting a collection account on my Equifax, TransUnion, and Experian credit files containing multiple inaccuracies in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. On XXXX, Jefferson Capital has listed itself as the original lender of its own collection account a false representation of the character and legal status of the debt in violation of 15 U.S.C. 1692e ( 2 ) ( A ), contradicted by both TransUnion and Experian which correctly identify XXXX XXXX as the original lender. Across all three bureaus, Jefferson Capital is reporting three different account numbers for the same alleged obligation, making the specific debt unverifiable and demonstrating a failure of the accuracy and integrity standards required by 12 C.F.R. 1022.42. I have submitted a written debt validation demand under 15 U.S.C. 1692g ( b ), which requires Jefferson Capital to cease all adverse credit reporting until the debt is validated. I am filing this complaint to create a regulatory record and request CFPB intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Lending Services LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I spoke with the company in early may trying to negotiate a payoff amount and was being force fed a payment plan. I now get XXXX calls a day from them starting at XXXX XXXX and ending at XXXX. They have also contacted my mother, my husband, and my mother in law and left messages that I have proof of. There has already been a lawsuit against them for all of this and advised them when I spoke to them not to contact others about my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I am filing a complaint regarding the handling of my vehicle loan following a total-loss settlement and the processing of XXXX coverage associated with my account. My vehicle was declared a total loss and XXXX Insurance issued a settlement payment. Westlake Financial Services has confirmed in writing that the insurance proceeds were received and posted to my account on XX/XX/year>. After application of the insurance proceeds, Westlake has stated that a remaining balance of {$8400.00} remains. Since that payment posted, I have repeatedly requested information regarding the status of XXXX processing and the remaining balance. However, Westlake has been unable to provide basic information regarding the status of the review. In written responses, Westlake has stated that it does not have : * A XXXX claim number * A XXXX administrator contact * A XXXX servicing ticket number * A confirmation document showing the status of the review * A timeline for resolution of the remaining balance Westlake has further stated that my questions have merely been forwarded to an account/XXXX servicing team, but it has not provided confirmation that a XXXX review has actually been initiated, the date such review began, or who is responsible for handling it. As a consumer, I have been left without clear information regarding the status of the remaining balance despite the insurance settlement posting more than one month ago. I am seeking transparency regarding whether a XXXX claim or XXXX waiver review has been initiated and when a decision will be made. I am requesting : 1. Written confirmation of whether a XXXX claim or XXXX waiver review has been initiated. 2. The date the review was opened. 3. The name and contact information of the department or administrator responsible for the review. 4. A complete breakdown showing how the insurance settlement was applied to my loan. 5. A written timeline for resolution of the remaining balance. 6. Any documents or requirements still needed to complete the review. I have attempted to resolve this directly with Westlake Financial Services but have been unable to obtain clear answers regarding the status of the remaining balance and XXXX processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, an online booking was submitted for a standalone styling service at a department store salon location, which was explicitly confirmed at a price of {$15.00}. During the appointment, the stylist performed an unrequested wash and dry service. At no point before or during the appointment did the stylist disclose that this would result in an extra charge, nor was consent obtained for a price increase. The customer was never given a price breakdown or the option to decline the additional work. Furthermore, the salon staff was distracted by conducting photoshoots of customers, and no active manager was on-site to address the billing issue when it occurred. At checkout, the register clerk manually charged a total of {$65.00} using generic, unitemized hair service codes. Corporate phone customer service was contacted regarding the billing dispute but refused to open a formal case, instead directing the matter back to the unmanaged local store. When local salon management was contacted, the manager defended the charge based on internal salon policy. Crucially, immediately after this billing dispute was raised with management, the online customer account history for the XX/XX/XXXX appointment was retroactively and manually altered by the business. The original booking record was changed from the agreed-upon styling service to a more expensive service bundle to match the unauthorized {$65.00} charge after the fact. Side-by-side documentation exists proving the original {$15.00} email confirmation, the physical {$65.00} receipt, and the subsequent unauthorized alteration of the digital account history. A business can not perform unrequested modifications to a service, fail to disclose a {$50.00} price increase, and then tamper with consumer account records once a dispute is raised. A partial refund of the unauthorized {$50.00} difference is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Beginning in XX/XX/XXXX, I started receiving text messages from XXXX XXXX XXXX ( XXXX ) stating they were attempting to collect three private student loan accounts on behalf of XXXX Portfolio Management. The messages referenced alleged account numbers XXXX, XXXX, and XXXX. The text messages included a payment link and a phone number to call. Shortly after the text messages, I also received a letter from XXXX regarding the same three accounts. The letter repeated the collection attempt and stated that the debts were too old for a lawsuit, which indicates the debts are timebarred. I have not made any payments on these private student loans since approximately XXXX, when I lived in Washington State. Washington has a sixyear statute of limitations for written contracts and promissory notes, which means these debts became timebarred around XXXX. Despite the debts being timebarred, XXXX continued contacting me and requesting payment through both text messages and written correspondence. I believe these communications could mislead consumers into unintentionally restarting the statute of limitations. The company did not provide any validation of the debts before attempting to collect. To respond in XXXX of XXXX, I sent a written dispute and request for validation for all three accounts, as well as a ceaseanddesist notice. I requested documentation including the original promissory notes, itemized accounting, dates of last payment, dates of default, and proof that the debts were not timebarred. The company has not provided any of the requested information. I am concerned that XXXX actions may violate the Fair Debt Collection Practices Act, including contacting me about timebarred debts, failing to provide validation, and continuing collection attempts without proper documentation. I am requesting that the CFPB review this matter and ensure the company complies with federal and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
I have been a customer of Freedom Mortgage Corporation for approximately twelve years. My mortgage is held jointly with my spouse and is currently in good standing. Freedom Mortgage has reported a 30-day late payment mark on my account : XX/XX/XXXX. The cause of this late payment was a bookkeeper I had retained who handled household and business bill payments, including my mortgage. She made errors in her work, including missing the XX/XX/XXXX payment, around the time of her transition out of working with me. She is no longer associated with my household and business, and I have taken direct control of my mortgage payments going forward ; there is no risk of recurrence. The XX/XX/XXXX late mark is causing direct, documentable harm. I recently applied for a Home Equity Line of Credit with XXXX XXXX and was denied. XXXX 's underwriting guidelines require no 30-day or worse late payments on a mortgage within the preceding twelve months. The XX/XX/XXXX mark is the only recent late payment in that window and is the specific item that disqualified me. I am therefore unable to access equity in my own home until this issue is resolved. On XX/XX/XXXX, today, I called Freedom Mortgage 's customer service line to request a goodwill review and removal of the XX/XX/XXXX late mark. I explained the cause, confirmed that the underlying issue is resolved, and described the practical harm. I spoke with a representative named XXXX ( employee identifier XXXX ), who advised that the matter was " out of their control '' and that " they can't do anything. '' I was not transferred to a department with authority to consider the request, and no escalation pathway was offered. I am requesting that Freedom Mortgage review my account history and exercise discretion to issue a credit reporting correction removing the XX/XX/XXXX 30-day late mark from my credit file with all three major credit bureaus. As a secondary request, I would also appreciate consideration of removal of the XX/XX/XXXX mark on the same basis. I am not asking Freedom Mortgage to alter the underlying account ledger or to claim that the reporting was inaccurate only to revise the credit reporting through its goodwill discretion, given the specific circumstances and the disproportionate harm to my access to credit. I have also submitted a separate written request to Freedom Mortgage 's credit reporting department concurrent with this complaint.

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 2026-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I am disputing a telecommunications debt being reported and collected by Diversified Adjustment Service on behalf of XXXX. The debt appears to be related to an additional line that was added to my XXXX account. To the best of my knowledge, this line was never used by me, and I have not been provided with sufficient documentation establishing my responsibility for the balance being collected. I previously disputed this account with the credit reporting agencies. The account was verified and continues to be reported. After that, I submitted a direct dispute and request for validation to Diversified Adjustment Service through their dispute process and specifically requested documentation supporting the debt, including account records, billing history, service agreement information, and evidence supporting the amount claimed. Diversified Adjustment Service acknowledged receipt of my dispute request, but I have not received the requested documentation or a substantive response despite the passage of time. I am requesting that Diversified Adjustment Service provide complete documentation validating this debt and demonstrating my responsibility for the account. If they can not provide adequate documentation supporting the debt, I request that collection efforts cease and that any inaccurate reporting be corrected or removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Independent Dealers' Advantage, LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I request a quote for XXXX, the sales rep, came here and straight went to complete an agreement providing wrong income and employment status. I am on disability and he wrote {$6000.00} as income. I understood he was checking if I am eligible for credit, with out my knowledge and consent he opened a credit line of XXXX with Well Fargo. Date XX/XX/year> The bank and the contractor XXXX didnt try to solve the problem, the device used was the contractors phone for the credit application that I was not aware of. My credit is freeze and fraud alert is active.

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 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: First Atlantic Auto Credit LLC
State: NJ

Complaint narrative:
I gave the company a call to try to settle my debt with them. I was able to speak to XXXX who is the manager in charge of my case. XXXX is XXXX 's Phone Number. I requested the amount that the vehicle was sold for and the amount that I owe to them. XXXX told me to follow with his on XX/XX/year>. I have been Calling XXXX and XXXX XXXX since XX/XX/year>, and I haven't received any answers.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am disputing a collection account for approximately {$170.00} that is being reported by IC System. I believe this account was opened without my authorization and may be the result of identity theft. I contacted IC System to obtain information about the debt. I requested documentation showing that I am responsible for the account, including the original creditor, service address, account opening date, and records used to verify the identity of the person who opened the account. I was unable to obtain sufficient information to verify that the debt belongs to me. I also contacted XXXX fraud department and customer service multiple times. I spoke with a XXXX representative named XXXX. I informed XXXX that the account does not belong to me and requested that the account be closed and investigated as fraud. My requests were not resolved, and I was not provided with sufficient information regarding the account. This collection account is appearing on my credit report and may be negatively affecting my credit. I am requesting a full investigation, validation of the debt, correction of any inaccurate credit reporting, and removal of the collection if the company can not demonstrate that I authorized or am responsible for the account.

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