vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ava Finance, Inc
State: HI

Complaint narrative:
I am filing this complaint against XXXX  due to their failure to conduct a reasonable investigation and delete inaccurate information from my credit report as required by the FCRA. 

I am specifically disputing the account with AVAFIN. My initial dispute reason is that this closed account is inaccurately listed as positive with no payment history, which indicates a troubling lack of transparency on the part of the credit bureau. Under the Fair Credit Reporting Act ( FCRA ) 609, consumers have the right to dispute inaccurate information on their credit reports, and the credit bureau is obligated to conduct a reasonable investigation into such disputes. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers of information must provide accurate and complete information to credit reporting agencies. In the case of XXXX v. XXXX ( XXXX  ), the court affirmed that credit reporting agencies must ensure that the information they provide is accurate, highlighting the importance of compliance with federal regulations. 

The continued presence of this inaccurate, unverifiable, and/or incomplete item on my credit report is causing significant harm to my financial well-being. I have experienced credit denials, been subjected to higher interest rates, and have suffered emotional distress as a direct result of this erroneous reporting. The impact on my life has been profound, as I strive to maintain a positive credit history and secure necessary financial services. 

I formally demand a complete and thorough investigation by the Consumer Financial Protection Bureau regarding this matter. I also demand the immediate deletion of these erroneous accounts from my credit report. Furthermore, given the willful noncompliance with the FCRA, I am also seeking any and all statutory and punitive damages afforded to me under the law. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am disputing several accounts and hard inquiries that XXXX is currently reporting on my credit file that are inaccurate, incomplete, or can not be verified through proper procedures required by the Fair Credit Reporting Act. 

The accounts listed below are being reported without complete and consistent information required for accuracy. Key data elements required under the XXXX XXXX XXXX XXXX XXXX XXXX, including account status codes, complete payment history, and Date of First Delinquency, are either missing, inconsistent, or contradictory across my credit reports. Because of these deficiencies, the information can not be reliably verified and should not continue to be reported. 

The accounts in question are : XXXX XXXX, account number ending in XXXX. 
AWA COLLECT, account number ending in XXXX. 
XXXX, account number ending in XXXX. 

Despite being disputed, these accounts remain on my credit report without XXXX  providing confirmation that a reasonable reinvestigation was conducted using actual source documentation. Under FCRA 1681e ( b ), XXXX  has a duty to ensure maximum possible accuracy before reporting information that can harm a consumer. Under FCRA 1681i ( a ), the reinvestigation must be meaningful, not automated or superficial. 

In addition, XXXX  is reporting numerous hard inquiries that lack a clear permissible purpose. A consumer report may only be accessed for specific purposes under FCRA 1681b. When a credit bureau can not confirm a valid permissible purpose for an inquiry, continued reporting becomes unlawful. 

The hard inquiries being reported include, but are not limited to, inquiries from XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX on the dates listed in my dispute. No documentation has been provided showing that these entities had permissible purpose to access my credit report. 

These inaccuracies have caused real harm. I am actively trying to improve my financial standing, but these items have negatively affected my credit profile, making it harder to secure fair financing and move forward with important financial goals. The stress and uncertainty caused by unresolved inaccuracies has been ongoing and unnecessary. 

This is a clear case of information being reported without proper verification. Both XXXX  and the furnishers have a legal obligation under FCRA 1681e ( b ) and 1681s-2 ( b ) to ensure accuracy before continuing to report data that affects my creditworthiness. If the information can not be fully verified using original source records, continued reporting is not compliant with the FCRA. 

Removing these items is the most direct and compliant resolution under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by TransUnion. 

Several accounts on my TransUnion report reflect negative payment history and past-due balances while simultaneously being reported with a current account status. This internal contradiction indicates that the information can not be accurate as reported. 

Additionally, these same accounts are reported differently by XXXX  and XXXX, creating cross-bureau inconsistencies for the same tradelines. 

These contradictions demonstrate a failure by TransUnion to ensure the maximum possible accuracy of the information it reports, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). 

I am requesting that TransUnion conduct a full compliance review, reconcile its reporting with the other nationwide credit bureaus, and correct or delete any information that can not be fully verified as accurate and consistent.

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 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates LLC, furnished the account # XXXX, on my credit report in violation of FCRA 609 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 1 ) & 1681 ( 1 ) b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Urgent Consumer Financial Dispute Credit Reporting and Debt Collections Dear CFPB Team, I am submitting this dispute under urgent circumstances. The inaccurate reporting and mishandling of multiple debt accounts has caused extreme financial and emotional hardship, and directly contributed to a XXXX XXXX event in XXXX. Coupled with a difficult divorce, these issues left me financially vulnerable and exposed to abuse. Immediate investigation and corrective action are essential. 

Disputed Accounts : XXXX XXXX XXXX Account ending XXXX  | Original Creditor : XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$1000.00} | Statement : No knowledge of this account. 
XXXX XXXX XXXX Account ending XXXX  | Original Creditor : XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$1200.00} | Statement : No knowledge of this account. 
XXXX XXXX XXXX Account ending XXXX  | Original Creditor : XXXX Bank | Opened : XX/XX/XXXX | Balance : {$370.00} | Statement : No knowledge of this account. 
XXXX XXXX XXXX Account ending XXXX  | Original Creditor : XXXX Bank | Opened : XX/XX/XXXX | Balance : {$1000.00} | Statement : No knowledge of this account. 

Dispute Summary : I dispute the legitimacy of all listed accounts. 
I never consented to or signed for these debts. 
Reporting of these accounts has caused lasting damage to my credit, financial stability, and health. 

Requested Action : 1. Investigate the legitimacy of each account.

2. Provide documentation proving I authorized or signed for any of these debts.

3. Correct or remove any accounts found to be inaccurate, incomplete, or unverifiable. 
4. Consider the physical, emotional, and financial harm caused, including potential punitive consequences to the reporting/collection entities.

5. Provide written confirmation of receipt and a timeline for investigation.

Given the serious health consequences and financial abuse I have suffered, I urge the CFPB to treat this matter as urgent. 

Sincerely, 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 2026-01-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I renewed my CD in XX/XX/XXXX subject to monthly interest checks mailed to me. This has been the procedure, with my account, for years. However, the reprentative that processed the renewal negligently set up the account such that I would receive the total interest only at maturity. Having spoken with an Ally representative on XX/XX/XXXX, to no avail, I was assured a supervisor would call me to rectify their error -- never happened. 
MY CD A/C ends in XXXX. 

I am asking that Ally Bank remit retroactively to the renewal date, a check for all the interest to date, and that it's accomplished immediately.

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 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MO

Complaint narrative:
Haven't heard from XXXX  gas company since XXXX  about debt, I had this on mu XXXX  XXXX bankruptcy and it was paid before my case was dismissed.. 
XXXX  has sent this bill to collection agency for the same amount that was settled in my bankruptcy XXXX. Collection s agency has not provided Documentation of debt, reporting without validity violating FCRA code 611.

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 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My capital one credit card is currently lost. I contacted the company with asking for a replacement card. Was asked by the representative to verify my mailing address on file, only to be told that address is not on file. Upon my knowledge I have never contacted capital one with a change of address. I moved to XXXX temporarily and not once updated that address information to Capital One. Capital one fraud department can not verify why they did not think to contact me in regard to a new address on file but instead made that change without my permission. If I was unable to verify that change of address they made without my permission I would be in serious problems gaining access to my own account. Capital one has breached consumer agreement. I no longer feel safe moving forward with this company. This should not have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: FL

Complaint narrative:
Violations Alleged FCRA : 15 U.S.C. 1681e ( b ) and 1681i ( accuracy and reinvestigation ).

FCRA : 15 U.S.C. 1681s-2 ( a ) ( furnisher obligations ).

FDCPA : 15 U.S.C. 1692e ( false or misleading representations ).

Facts Small chargeoff reported only on XXXX  with inconsistent dates and balances. No verification was provided after the dispute.

The account is minor in amount but still harms credit and appears only on one bureau.

Why This Violates the Law Even small tradelines must be accurate ; inconsistent reporting and failure to verify upon dispute violate 1681i.

Singlebureau reporting with no supporting documentation is evidence of inadequate accuracy procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
Source Receivables Management furnished the account # XXXX, on my credit report prior to it being verified. The Fair Credit Reporting Act,604 ( a ), FDCPA 809 ( a ), FDCPA 809 ( b ),

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
In early XX/XX/XXXX, I received a collection notice from Columbia Debt Recovery LLC, doing business as Genesis, regarding an alleged debt owed to XXXX XXXX. The notice stated a balance of approximately {$10000.00}. 

On XX/XX/XXXX, I submitted a written dispute to the company. In that letter, I requested full validation of the debt, including a copy of the original agreement with my signature, a complete payment history, and confirmation of the original creditor. I also requested that all collection activity cease until validation was provided, as required under the Fair Debt Collection Practices Act. 

After sending my dispute, I did not receive any response, documentation, or validation from the company. 

Despite failing to validate the debt, the company reported the account to XXXX, where it appeared on my credit report as of XX/XX/XXXX. Reporting a disputed, unvalidated debt to a credit bureau constitutes continued collection activity and appears to violate both the FDCPA and the Fair Credit Reporting Act. 

I am requesting that the CFPB review this matter and require the company to provide proper validation or remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am submitting this formal complaint regarding an illegally placed collection account reported by Hunter Warfield, a third-party debt collection agency, on behalf of my former landlord. 

Account XXXX : XXXX An alleged balance of {$14000.00} was reported to my consumer credit file without any prior notice. I never received a bill, written notice, demand for payment, validation letter, or any communication whatsoever before this account was placed into collections and reported to the credit bureaus. 

Additionally, the charges claimed by my former landlord are invalid and unenforceable due to the fact that I was subjected to constructive eviction. The landlords actions rendered the premises uninhabitable and forced me to vacate, thereby terminating any lawful obligation for the alleged balance they are now attempting to collect. As a result, the landlord had no legal basis to assign, transfer, or refer this alleged debt to a collection agency.

Hunter Warfields reporting and collection activity appear to violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : Failure to provide required written notice and debt validation Reporting an unverified and disputed balance Attempting to collect a debt arising from an unlawful tenancy situation I am formally disputing this account in its entirety and requesting that the Consumer Financial Protection Bureau investigate this matter. I further request the immediate removal of this collection account from my credit reports unless Hunter Warfield can produce documented proof that proper notice, lawful validation, and authority to collect were provided in full compliance with federal law.

This inaccurate and illegally reported account is causing significant financial harm and must be corrected without delay. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged a membership fee on XX/XX/XXXX on my Chase XXXX credit card and on XX/XX/XXXX I called to downgrade the credit card for fee refund which Chase said they would do. In the following days, I was refunded two fees of {$95.00} and then charged two more fees of {$95.00}, which netted me back to being charged the original {$95.00}. At this point the credit card was already downgraded and I was not receiving any benefits of the premium card with the {$95.00} fee.

Over the next two months, I called two more times to which Chase representatives told me that they had filed tickets and would get it resolved within a week. This did not happen. I finally called again in early XXXX to which the representative said the same thing - that they would file a ticket and I should hear back on the fee refund.

I just received two notices on XX/XX/XXXX and XX/XX/XXXX that Chase is looking into it. It has taken way too long to return the {$95.00} fee that should have been refunded a long time ago. I want the refund of {$95.00} plus interest returned ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding LLC, failed to verify the debt before furnishing on my credit report in violation of the Fair Credit Reporting Act,1681 2 ( a ) & 1681 ( b ) 2, and failed to provide competent evidence of a contractual obligation with myself and their company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Creditor / Furnisher : National Credit Systems , Inc . 
Original Creditor : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Rental / Leasing Collection Dispute Submitted : XX/XX/year> Dispute Verified By XXXX  : XX/XX/year> Complaint Narrative I am filing this complaint regarding an inaccurate and improperly verified rental collection account reported on my XXXX  credit file.

I disputed this account under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). XXXX responded that the account was verified, yet failed to provide any documentary evidence from the original creditor to substantiate the alleged debt. The response appears to rely solely on automated e-OSCAR verification rather than a reasonable reinvestigation as required by law.

Under 15 U.S.C. 1681i ( a ) ( 1 ), XXXX  is required to conduct a reasonable reinvestigation. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted. Under 15 U.S.C. 1681s-2 ( b ), the furnisher must conduct a good-faith investigation and provide actual recordsnot database confirmations.

To date, I have not been provided : A signed lease or rental agreement bearing my signature An itemized move-out ledger or accounting of charges Proof of lawful assignment or authority for National Credit Systems to collect Evidence establishing the reported balance as accurate Without this documentation, the account is unverifiable, incomplete, and misleading under 15 U.S.C. 1681e ( b ) and must be removed.

I am requesting CFPB intervention to require XXXX  and National Credit Systems , Inc. to either : 1. Produce full documentary proof from the original landlord, or 2. Permanently delete this collection account from my credit report.

I am preserving all records for potential civil remedies under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Global Tel*Link Corporation
State: FL

Complaint narrative:
On or about XXXX XXXX  on XX/XX/year> I entered XXXX XXXX sheriff 's office and deposited {$20.00} into the XXXX XXXX XXXX XXXX. Receipt was showing XXXX .Funds were not credited after machine accepted the funds. Spoke with institution and the directed me to call the company. Called company email the receipt and was told they needed 72 hours to view the info. Was told this again after the 72 hours. After numerous attempts and time wasted and wouldn't transferring me to a supervisor I ask for your help in resolving this issue. I will seek small claims in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I disputed a rental-related collection account with Southern Management Systems and asked them to place the account on hold while the dispute was investigated. Despite this, they reported the account to credit bureaus as a collection. The charges are for alleged damages, but the photos they provided show no damage to the unit, including the bathroom and other areas, and no invoices, inspection reports, or documentation of agreed-upon charges were provided. The alleged debt is for normal wear and tear, which is not legally collectible. I have requested full validation of this debt, but the company has not provided any evidence proving the debt is valid. The account is inaccurate and misleading, and I am requesting that it be deleted from my credit reports.

Company response to consumer: Closed with explanation