vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
Back XX/XX/year> I filed a dispute against this the company genesis also know as Columbia debt the XXXX. They were trying tor cover a debt for over XXXX dollars I assume for a rental in XXXX. I had to get a hold of all three credit bureaus and mail them my place report and a copy of my license, bc I am a victim of identity theft and had several other collections from rentals in XXXX that were trying to collect a debt that wasnt mine because of the identity theft. The credit bureaus got everything removed because I proved it was not me. This company then just XX/XX/XXXX re added the debt to my collection. This is not my debt and they keep harassing me and clearly once you see my license and the police report can realize its not me. They will not leave me alone. I also live in XXXX and have never lived in XXXX. I did not think that once a debt was removed that they could re add it to my collections since it was proven not to be me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Majority USA, LLC
State: LA

Complaint narrative:
My Majority account has been blocked for over XXXX months. I had {$1800.00} in my account and I still have not received my funds or any clear explanation. I have contacted XXXX multiple times but have not received a resolution. I am requesting the immediate return of my remaining balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-08 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: TX

Complaint narrative:
2 '' } To Whom It May Concern, I am requesting validation of the alleged debt you claim I owe regarding an account originally with XXXX XXXX for {$590.00}. Under the Fair Debt Collection Practices Act, I request the following : A copy of the original signed contract A full billing and payment history Proof that I am legally responsible for this debt Documentation showing your authority to collect this debt If you can not provide this information, you must cease reporting this account to the credit bureaus and delete it immediately. Sincerely,

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 2026-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake finance denied me a loan stating there was an account with my social security number and date of birth a different name and address. I tried to explain that it was a fraudulent account and the woman I spoke with said Thats my problem not hers I should have checked my credit report I advised here it was not on my credit report. She then hung up on me. I have never allowed anyone to use my information or co signed for anyone.

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 2026-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am disputing the accuracy of the balance reported for this Navy Federal Auto Loan. My Equifax report dated XX/XX/XXXX, shows a balance of {$6100.00}. However, a debt buyer, XXXX XXXX XXXX, has filed a lawsuit in XXXX XXXX ( XXXX # XXXX ) claiming the balance for this same debt is $ XXXXBoth amounts can not be correct. This discrepancy of over {$8000.00} proves that the data being reported to XXXX is unreliable and inaccurate. Furthermore, the account is listed as " XXXX '' with a " XXXX Days Late '' status, even though the last payment was made on XX/XX/XXXX. Because the information is inconsistent and the balance is unverified, I request that this item be deleted from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Dispute of Inaccurate Rental Collection The XXXX XXXX I am submitting this complaint regarding an inaccurate rental collection account related to The XXXX XXXX in XXXX, Texas. After reviewing the lease agreement and the move-out statement, I have identified multiple discrepancies that call the accuracy of the reported balance into question. The lease agreement states that the monthly base rent was {$1200.00} and the prorated rent for the first month was {$1000.00}. However, the statement includes an additional rent charge of {$810.00}, which does not correspond with any rent amount listed in the lease agreement. The statement includes numerous repeated and unexplained charges such as water/sewer charges, trash removal fees, and other miscellaneous amounts without billing dates or documentation showing how these totals were calculated. Cleaning charges labeled as Maid or Housekeeping Service totaling {$150.00} were added without any move-out inspection report, photographic evidence, or invoices demonstrating that the services were necessary. Because of these discrepancies, I believe the debt balance being reported is inaccurate and has not been properly validated. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am requesting that the company provide documentation validating the accuracy of the account, including : A full itemized ledger with dates for each charge Documentation showing how the rent charges were calculated The move-out inspection report Photographic evidence or invoices supporting cleaning charges Documentation authorizing each fee under the lease agreement If the company can not provide sufficient documentation verifying the debt, I request that the collection account be removed from my credit report immediately. This inaccurate reporting is negatively affecting my credit profile, and I request prompt investigation and correction. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: WV

Complaint narrative:
On XXXX I sent certified letters cease and desist. Requesting specific items purchase agreement they have harassment and unlawful tactics hippa fcra XXXX violation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Approx. XXXX XXXX years ago my mom bought me two {$400.00} Vanilla Visa Gift Cards. They were " previously stolen '' and when i tried to activate the cards the balance was XXXX. I immediately contacted Vanilla Visa who had me send pics of the cards and receipt, which i did, then they had me sign some documents thru adobe.accu-sign. Shortly after i received a replacement card for only one of the cards, i continues to send messages inquiring about the second card for 2 years!! They finally last week XX/XX/26 or so send me a email stating that my case was denied and the case closed! My mom is on a fixed income and so am i and we can not afford to just lose {$400.00}. Please help us to recover our lost funds of {$400.00} from Vanilla Visa Gift debit Card. Thank You so very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
my purse vanished out of the basket in the grocery store while shopping including my phone. so you could easliy operate phone because there was no passcode, so someone had access to all accounts on apps. I tried disputing all transactions i didnt make and my dispute was no granted. I have idenity theft report as well. I just want my hard earned money back because this is not fair. My FTC Report Number is XXXX. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My checking and savings accounts were closed without explanation. I had {$10000.00} total in both accounts. I never received my funds. The accounts were frozen in XX/XX/year> and closed in XX/XX/year>.

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 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am disputing this account ( Navy Federal, Account ending in XXXX ) because I am incorrectly listed as responsible for it. My XXXX report dated XX/XX/year>, explicitly states that my responsibility for this account is 'Authorized User '. As an authorized user, I have no XXXX liability for this debt and did not sign the original credit agreement. This account is over XXXX years past due and is severely damaging my credit profile. I have already contacted the credit bureaus to have this removed, but it remains on my report. I request that this account be deleted entirely from my credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate collection account reported by Harris & Harris Ltd related to XXXXt in XXXX amount of {$190.00}. I cancelled my XXXX services in XX/XX/XXXX and returned all equipment at that time. After the cancellation, new charges appeared on my credit card in XXXX and XX/XX/XXXX. I contacted XXXX customer support through their chat application on XXXX separate occasions to report these incorrect charges and to ensure that my account had been properly closed. After these conversations, I verified through the XXXX application that there were no active services associated with my account. Based on this information, I understood that the account had been properly closed and that no balance remained. However, I recently discovered that Harris & Harris Ltd reported a collection account for {$190.00} related to XXXX. This is the first time I became aware of any alleged outstanding balance. This collection account is inaccurate and appears to be the result of improper billing after the service cancellation. Reporting this account to the credit bureaus has negatively impacted my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the following actions : A full investigation into this alleged debt. Complete validation of the debt, including documentation proving that I am responsible for the balance. Documentation showing that the charges were valid after the service cancellation and equipment return. Immediate removal of this collection account from all credit bureaus ( XXXX, XXXX, and XXXX ) if the debt can not be properly validated. Confirmation from XXXX that my account was closed and that all equipment was returned. I made good-faith efforts to resolve this matter directly with XXXX through their customer support channels. Despite these efforts, the issue was not resolved and has now resulted in an incorrect collection account being reported. This inaccurate reporting is damaging my credit history and must be corrected immediately. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid my XXXX bill XX/XX/XXXX. I paid my XXXX bill on XXXX. I was charged a late fee of XXXX on XX/XX/XXXX. I asked why they said they counted the XXXX payment toward the XXXX cycle.They refused to take off the late payment fee even though I made the payment early.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FlexShopper, Inc
State: AZ

Complaint narrative:
Called Flexshopper on XX/XX/year> as I have not been able to log into my account to see how much my remaining amount I owe. The customer service representative said I have to submit my financial information again to see if my credit limit stays the same. I asked if there was a way around this as I have already submitted my information to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I am formally disputing the following collection account because it does not belong to me and I have no knowledge of it. This account was previously investigated by XXXX and removed from my credit report after their investigation. Because another credit bureau has already determined this account should not be reported, I am requesting that XXXX reinvestigate this account for accuracy. Under the Fair Credit Reporting Act, credit reporting agencies are required to ensure that information on a consumers credit report is accurate and verifiable. If this account can not be properly verified with documentation proving it belongs to me, I request that it be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I disputed a bunch of XXXX withdrawals from checking and savings account and debit card purchases after misplacing debit card at a local store near me. The charges happened same day into the next day XXXX XXXX, took over a combined XXXX XXXX from both accounts and I disputed these charges, and was told I would get compensation a provisional credit until the investigation is over, received maybe XXXX XXXX in compensation when they said the full amount ( just had a kid, need money for formula, rent, etc is what the money was intended for ) dont get paid until this Friday but itll definitely set me back you know? But anyways they do not ever give me information about how the investigation is going and it takes XXXX hrs to finally get someone to tell me they cant help me. Also would like to say these charges and withdrawals are all from states away from my current usual charges and address .. is there anything you could do to figure out if Citi bank is doing? Dispute reference numbers listed here at Citi Bank- 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 monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding American Profit Recovery, a debt collection agency, concerning an alleged debt I have NEVER attended this University. I have been contacted multiple times regarding this debt and have requested validation under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ). Despite these requests, American Profit Recovery has failed to provide adequate verification of the debt. Additionally, I have experienced repeated calls and letters, which I consider harassment, as they continue despite my requests for verification. This account has also appeared on my credit report inaccurately, negatively impacting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Around XXXX of XXXX my chime account was suddenly closed with XXXX in it the company tried to send a XXXX dollar check which was not correct and when I tried to file a complaint About that, they then said they would up that to a {$1000.00} check, which obviously, why would they do that? They know they owe me {$6000.00} and I would like to receive it or have at least explained where the funds went. There was never any XXXX activity on the account, they closed it for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I dined at XXXX XXXX in XXXX XXXX XXXX, Florida. My bill totaled {$90.00} and I paid using my debit card connected to my XXXX account. I left the tip line blank on the receipt because I gave the server a {$5.00} tip in cash. I did not authorize any tip on my debit card. XXXX days later, on XX/XX/year>, the transaction finalized at {$100.00}. This means approximately {$16.00} was added to my card without my authorization or consent. I contacted XXXX and disputed the charge, but my claim was denied. I did not approve this tip adjustment and there was no authorization for this additional charge. I am requesting that XXXX conduct a full investigation into this unauthorized transaction, reverse the {$16.00} charge that was added without my consent, and provide a copy of the signed merchant receipt showing authorization for the final amount. XXXX hasnt responded I see they dont take this matter serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
My Visa Vanilla Card got hacked and there are transactions that I did not make on the card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Klarna AB
State: CA

Complaint narrative:
I am filing a complaint against Klarna regarding a billing dispute for merchandise that was canceled and never delivered. I placed an order through XXXX XXXX using Klarna financing. One item totaling {$140.00} was canceled by the merchant and never shipped. XXXX XXXX confirmed the cancellation and issued a refund on XX/XX/year>. Klarna also confirmed that the refund from the merchant was received and credited to my Klarna account. Despite this, Klarna reactivated the invoice and is now attempting to charge me {$150.00} for this canceled item. The amount appears to include additional charges even though the merchandise was never delivered. I contacted Klarna to dispute the charge, but they closed the investigation and stated they can not reopen it. They advised me to contact the merchant even though the merchant has already confirmed the refund was issued to Klarna. This is a billing error because I am being charged for merchandise that I never received. I am requesting that Klarna remove the charge related to the canceled item, correct my account balance, and confirm that no further collection activity will occur related to this disputed amount.

Company response to consumer: Closed with explanation