vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: KY

Complaint narrative:
I rented a property in Kentucky and gave notice that I was moving on XX/XX/XXXX. I returned possession of the unit and, to my knowledge, followed all lease requirements. On XX/XX/XXXX, I sent a formal debt validation request to Hunter Warfield regarding a {$5600.00} collection account they claim I owe. Over XXXX days later, they have failed to provide any proof of the debt, including A copy of the original signed lease agreement Documentation showing the exact notice requirements under the lease Proof that proper notice was not given and that notice was not waived A detailed, itemized accounting of the entire {$5600.00} balance Copies of actual invoices, receipts, or repair bills ( not estimates ) Proof of the date possession of the unit was surrendered, including key return Documentation showing the landlords duty to mitigate damages was satisfied, including efforts to re-rent the unit, as required under Kentucky law Proof that you have the legal authority to collect this debt and that it was lawfully assigned to you Proof of your authority to report this account to credit reporting agencies Despite this, they continue to report the debt to the credit bureaus. I dispute this debt in full and request the CFPB require the collection agency to either provide proper validation or remove the account from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
The entire account balance was paid in full to Avant in XX/XX/XXXX. I paid the remaining balance of {$200.00}. The account was paid, and left with an ending balance of {$0.00}. Two months later without my knowledge, Avant began to add monthly fees to the account accruing {$9.00} a month. The original contract that I agreed, had no monthly maintenance fees and I was not provided any notice about changes made to my contract. I contacted Avant in XX/XX/XXXX regarding the monthly fees and was advised the agreement was changed back in XX/XX/XXXX. So I decided to close the account back in XX/XX/XXXX, same day I became aware of the hidden fees, to avoid being charged additional hidden fees. Since then, Avant has continued to add monthly fees even though the account was closed back in XX/XX/XXXX and now there's a balance of {$27.00} being reported as late to the credit bureaus. My credit score has significantly decreased because of the inaccurate reporting. I have directly reached out to Avant 's outsourced customer service line and also to the XXXX XXXX XXXX regarding this matter and received no response. I would like for Avant to remove charges including the remarks that was made on my credit report. I have a 100 % on time payment history and have disputed all inaccuracies directly to both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint as a follow-up to a prior complaint I filed regarding Capital Ones reporting of late payments and charge-off status on the above-referenced account. Despite my previous dispute and Capital Ones response, the issues I raised remain unresolved, and the company continues to report derogatory information without providing sufficient documentation to substantiate its accuracy. In my prior dispute, I specifically challenged whether the account was ever XXXX days or more past due at the time the initial delinquency was reported. This is a critical issue because the entire sequence of escalating delinquencies and eventual charge-off is dependent on the accuracy of the initial XXXX late designation. In response, Capital One stated that its reporting is accurate and referenced that account statements were made available through online access and electronic delivery. However, Capital One did not provide any account-level documentation demonstrating that a payment was in fact more than XXXX days past due. They did not provide copies of the billing statements showing the due date, did not provide a payment history ledger showing when payments were received and posted, and did not provide any calculation showing how the alleged delinquency exceeded the XXXX threshold. Instead, Capital One provided a generic cardholder agreement, which does not establish whether a specific payment on my account was late by XXXX days or more. The issue is not whether I had access to account information, but whether the account actually met the criteria required for reporting a XXXX delinquency. Under the Fair Credit Reporting Act, furnishers are required to conduct a reasonable investigation when a consumer disputes the accuracy of reported information. A reasonable investigation requires review of the underlying account records relevant to the dispute. In this case, Capital One appears to have relied on general account information and automated verification rather than examining the specific billing and payment records necessary to confirm whether the reported delinquency is accurate. Because Capital One has not provided documentation demonstrating that the account was XXXX or more days past due, the continued reporting of this derogatory information remains unsubstantiated and is negatively impacting my credit profile. I am requesting that Capital One be required to either provide documentation showing the specific billing cycle, due date, payment date, and calculation proving that the account exceeded the XXXX delinquency threshold, or remove the inaccurate late payment history and related derogatory reporting from my credit file. Thank you for your time and assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate and Unverified Credit Reporting I am filing this complaint regarding multiple accounts being reported on my credit file that I believe are inaccurate, misleading, and/or unverifiable under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I am requesting a full investigation into the following accounts : XXXX. XXXX XXXX XXXX Account Account XXXX : XXXX This account is currently being reported as a collection/charge-off with a balance of {$3500.00}. I dispute the accuracy and completeness of this account. I request that the furnisher provide full validation of this debt, including the original signed agreement, complete payment history, and documentation showing how the balance was calculated. Additionally, I request proof that the reporting party has the legal authority to collect and report this debt. If this information can not be fully verified, this account must be removed from my credit report immediately. XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Account Number : XXXX This account is reported as closed and canceled by credit grantor. I did not request this closure, and the reporting is potentially inaccurate and damaging. I request full verification of this account, including documentation supporting the closure and account history. If this can not be verified, it must be removed. XXXX. XXXX XXXX Account Account XXXX : XXXX This account is reported as terminated with a {$0.00} balance. Given the age and status of this account, I request full verification, including original documentation and account records. If this account can not be properly verified, it must be deleted from my credit report. Under the Fair Credit Reporting Act, all reported information must be accurate, complete, and verifiable. I am requesting that each of these accounts be thoroughly investigated and removed if they can not meet these standards. I also request written confirmation of the results of this investigation and any actions taken. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Consumer Complaint Incorrect Credit Reporting XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am submitting this complaint regarding inaccurate credit reporting and improper collection activity related to an account associated with XXXX that was later placed with XXXX XXXX XXXX. The account reportedly opened around XX/XX/XXXX. ( WRONG ) and was later reported as a collection account with a balance exceeding {$400.00}, which is incorrect. The actual issue related to a piece of XXXX equipment valued at {$190.00} that they claimed had not been returned. After being notified, I immediately returned the equipment and resolved the account. I have documentation and receipts confirming the return. Despite this, inaccurate information was reported to the credit bureaus without proper verification. The reporting included an incorrect balance and incorrect account information. As a result, my credit score dropped approximately 30 points, causing financial harm and damage to my credit profile. I also contacted XXXX supervisors, including XXXX XXXX, XXXX, and XXXX, to resolve the issue and explain that the equipment had been returned. However, the inaccurate collection information had already been reported. Reporting incorrect information to credit reporting agencies without proper investigation may violate the Fair Credit Reporting Act, which requires that only accurate and verified information furnished. This situation is particularly concerning because : The date reported and account balance is incorrect. The Final balance was {$100.00} and I paid off back in XX/XX/XXXX. The account was open on XXXX. The equipment was returned and the account resolved The account information reported to the credit bureaus is inaccurate The reporting occurred without proper verification My credit score was negatively impacted by approximately XXXX points Consumers should not suffer credit damage due to incorrect reporting or administrative errors. Credit reporting agencies and furnishers of information have a legal obligation to ensure the accuracy of the data they report. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the incorrect collection account is removed from my credit report immediately. I am attaching supporting documentation including : Equipment return receipt Documentation confirming the account was resolved Evidence of incorrect credit reporting I also request that the responsible company correct their records and ensure that inaccurate information is not reported in the future. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
citi just sent me a letter and it is full of blatant lies. I have every email I have sent to this compay to support my returns and disputes, they XXXX Lying when they say I didn't send them that. I have so many emails, I will try to attach all. Citi, stop lying and handle your business appropriately, please and thank you I will attach the letter that states the amount of {$100.00} wasn't returned and i didn't support what they needed. NOT TRUE I will clearly attach a screen shot of my order, amazons confirmation of a return and refund, minuz the XXXX retail fee in colorado. I was due a full refund, XXXX confirmed it, but they didn't process it, so I asked XXXX to be involved. this is for XX/XX/year> {$100.00} The only reason it is now too late to help me is that they ignore every othe remail I have sent with the tracking numbers and refund screen shot, for months at a time. Why do i have to file a complaint with the CFPB to get real help? I am also attaching the {$21.00} on XX/XX/XXXX which they claim i didn't support the return nor did XXXX. Not true, clearly attaching exactly what I sent to them multiple times. sorry but this has been very stressful on me and I have chronic illness.

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 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OR

Complaint narrative:
I am filing a complaint regarding Chimes refusal to meaningfully investigate or attempt recovery of a fraudulent {$750.00} Chime-to-Chime transfer sent today at approximately XXXX XXXX. I was the victim of a jury duty impersonation scam. I received a call from XXXX from a person identifying himself as XXXX XXXX XXXX, claiming to be from the sheriffs office. He told me I missed jury duty and would be arrested if I did not pay immediately. Under threat of arrest and impersonation of law enforcement, I sent {$750.00} through a Chime-to-Chime transfer. I reported the fraud to Chime immediately and requested reversal, recovery, or freezing of the recipient account. Chime told me they could not help because it was a Chime-to-Chime transfer. I am requesting that Chime provide a written explanation of what investigation was performed, whether the recipient account was frozen or reviewed, whether the funds were already withdrawn, and why no recovery attempt was made despite immediate notice and a police report. I have a police incident number and an FTC report. This transaction was induced by fraud, coercion, and impersonation of law enforcement and should not be treated as a normal voluntary payment. I am requesting reimbursement of the {$750.00} or documented proof of the steps taken to attempt recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Dave Operating, LLC
State: NJ

Complaint narrative:
I have been locked out of my Dave the app account yet they have been still charging me membership fees and wont let me close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, a full mortgage payment of {$4700.00} was withdrawn from my account, but was never applied to any due monthly payment. Then today, XX/XX/XXXX, another XXXX was withdrawn and again was not applied to any due monthly payment. Therefore I have had {$9400.00} withdrawn from my account since XX/XX/XXXX, without any due mortgage payment being made and satisfied. Therefore I still owe my XXXX payment according to the mortgage app despite having had full mortgage payment amounts withdrawn both in XXXX and XXXX. Additionally, I never authorized the payment that went through today on XX/XX/XXXX, so they withdrew it out of my account without me knowing about it. I called last week and they attempted to apply my XXXX payment to my XXXX payment, but this happened instead. I have attached screenshots showing both of my bank account withdrawals and an additional screenshot showing that I still owe a payment for 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 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union regarding account number XXXX, a credit card account that was charged off and subsequently placed under a formal payment agreement. In early XXXX, I entered into a settlement agreement with Navy Federal Credit Union in which I agreed to pay half of the original charged-off balance of {$3100.00}. The agreed settlement terms were 10 monthly payments of {$150.00}, due the XXXX XXXX XXXX every month, beginning XX/XX/XXXX and concluding XX/XX/XXXX. I made every payment as agreed and on time. Navy Federal Credit Union acknowledged this agreement and confirmed the account would be satisfied in full upon completion of the final payment in XX/XX/XXXX. As further evidence of this, Navy Federal stopped the automatic payment deductions themselves at the conclusion of the agreement consistent with the account being paid in full. Despite fulfilling my obligations under this settlement agreement, Navy Federal Credit Union continues to report a balance of {$1500.00} as past due on my XXXX credit report as of XX/XX/XXXX. This is factually inaccurate. The balance should reflect {$0.00} and the account status should reflect the settlement agreement being satisfied in full. I contacted Navy Federal Credit Union by phone to resolve this matter and was unable to obtain any answers, acknowledgment of the settlement agreement, or commitment to correct the reporting. The account also continues to report charge-off status month over month despite the settlement being completed. This conduct violates the Fair Credit Reporting Act, specifically : Section 623 ( a ) ( 1 ), which prohibits furnishers of information from knowingly reporting inaccurate information to consumer reporting agencies. Section 623 ( b ), which requires furnishers to investigate and correct inaccurate information upon notice of a dispute. I am an XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX member. This inaccurate reporting is directly harming my ability to refinance a high-interest vehicle loan and is negatively affecting my financial readiness, which is a matter that impacts my XXXX career and XXXX XXXX eligibility. I am requesting the CFPB compel Navy Federal Credit Union to : 1. Provide written documentation of the settlement agreement entered into in early XXXX 2. Immediately correct the reported balance to {$0.00} on all three credit bureaus 3. Update the account status to reflect the settlement as satisfied in full 4. Cease reporting this account as having an outstanding balance I have also retained documentation of my payment history and intend to pursue legal action under the FCRA if this matter is not resolved promptly. I am prepared to provide payment records upon request. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
I was notified by a " law office '' that I was gon na be sued for a credit card that my husband 's girlfriend opened years ago. In a state the debt was not signed for that I just currently moved too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting related to a collection account from XXXX XXXX XXXX associated with XXXX XXXX Apartments. In XX/XX/year>, I applied for an apartment and paid a {$250.00} holding deposit. My application was denied and the apartment complex refunded the deposit in full. I possess documentation showing the original payment and the refund check dated XX/XX/year>. Because the deposit was refunded, no balance was owed to the apartment complex. Despite this, XXXX XXXX XXXX later reported a collection account with a balance of {$260.00} on my credit report. This account is being reported on my credit file even though the underlying deposit was refunded and no legitimate debt exists. This inaccurate reporting is negatively affecting my credit standing. FCRA Reporting Violations Failure to maintain maximum possible accuracy under FCRA 1681e ( b ). Failure to conduct a reasonable reinvestigation after dispute under FCRA 1681i. Continuing to report a collection account that is unsupported by documentation. Reporting an inflated balance ( {$260.00} ) when the alleged original balance was {$250.00}. Reporting a collection account despite documentation showing the deposit was refunded. Failure to verify the debt with the original creditor prior to continuing to report the account. Metro 2 Reporting Concerns Metro 2 requires accurate balance reporting ; reporting a balance after a refund suggests inaccurate furnishing. Metro 2 requires valid delinquency reporting ; an application deposit that was refunded has no valid delinquency event. Metro 2 requires accurate account status codes; reporting a collection status without a valid debt violates reporting standards.

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 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, an unknown person living in XXXX, XXXX fraudulently opened a XXXX XXXX account at a XXXXXXXX XXXX address using my personal information such as name and social security number. The account accrued a total of {$9800.00} of unpaid bills. XXXX XXXX closed the account on XX/XX/XXXX and was transferred to Midwest Receivable Solutions collection agency. The collection account was added to my credit report by Midwest Receivable Solutions, therefore damaging and lowering my credit score and reputation. I notified and disputed the fraudulent account to both XXXX XXXX and Midwest Receivable Solutions. I have requested from both companies that this fraudulent account be marked as " disputed ''. A police report has been filed via telephone with XXXX Police Department. I have also submitted an Identity Theft Report complaint to Federal Trade Commission. I have never lived in or traveled to XXXXXXXX XXXX from XXXX to XXXX. I have been living in XXXX XXXX XXXXXXXX XXXX from XXXX to present time. I always pay my bills on time and maintain a good credit history.

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