vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Had used my advantage card in XX/XX/XXXX and didnt calculate the fees and interest rate. Tried to consolidate card balance to XXXX XXXX but XXXX credit cards can not be consolidated. I am an older, single women on social security and on a very limited budget. I asked the Avant XXXX supervisor on XX/XX/XXXX if my payment date could be changed to the XXXX of each month instead of the XXXX to avoid late fees because my XXXX XXXX comes in XXXX the XXXX. The XXXX supervisor told me my request was not possible and I should make XXXX payments each month to avoid late fees. I am now in the negative after XXXX payment and this will continue and escalate moving forward. I destroyed card and closed account buy will continue to make payments. Last XXXX digit of card XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
I have been contacted by this collection agency where rep XXXX was very rude hung up and unprofessional. They NEVER validated the debt! I have provided proof of real balance from previous collection agency and proof of some payments and credit I was given fromXXXX. They were well aware the balance the reported to my credit was inaccurate yet they reported it. The debt was never validated they reported twice already knowling this was a dispute yet they still violated FDCPA LAW XXXX! I have yet to receive any letter or any proof I owe this balance on debt. I have provided them paper work .i have no contract with tb not know who they are. They are in violation on the FDCPA law reported the debt with out any validation! I have been in contact with their client secured property director XXXX XXXX and have made her aware and sent her all the proof and how they violated the FDCPA LAW XXXX. Have the prove they resolved dispute and have sent me validation of debt. They also reported a debt on XXXX XXXX credit which they were aware by their client that she isnt not liable for the debt. Every thing I have written I have attached the emails and supported documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX sent letter requesting all information to prove its mine included my signature which doesn't match this signature on contract. I was going through a XXXX failure at the time even had XXXX XXXXXXXX on XXXX this is not my signature nor my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company 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 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C.
State: TX

Complaint narrative:
I previously made payments on this account, but after reviewing my credit report I noticed that the information being reported appears inaccurate, such as the name of the creditor. XXXX XXXX XXXX is inaccurate and balance is inaccurate. Under the Fair Credit Reporting Act, l am requesting that the account be deleted and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: OR

Complaint narrative:
My direct express debit card won't allow me to buy stuff online. I called they said to use my card physically so I did multiple times. My card will still not work they said they cant do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding a collection account for {$1800.00} related to an apartment move-out charge in Florida that is currently being reported on my credit report. I disputed this account with Experian because I believe the debt has not been properly verified, and the documentation provided does not prove that I am responsible for the alleged damages. The collection agency only provided a move-out inspection report claiming there was a pet urine odor on the flooring and invoices for flooring replacement. They did not provide photographs of any damage, professional inspection documentation confirming the presence of urine contamination, or any documentation showing that the flooring could not be cleaned, treated, or repaired. They also did not provide any contractor documentation stating that full flooring replacement was necessary. Additionally, I vacated the apartment XXXX month before the lease ended and requested that the landlord conduct a move-out inspection at that time. The landlord refused my request to perform the inspection when I moved out. Instead, they conducted a move-out inspection later, without my presence on the contract 's move-out date and without allowing me to participate. Because the inspection occurred after I had already vacated the property and without my presence, I can not confirm the condition of the property at the time the inspection was conducted. When I disputed this account with Experian, the investigation was completed within approximately XXXX hours. This suggests that the credit bureau relied solely on automated verification through the e-OSCAR system rather than conducting a meaningful investigation of the evidence I raised in my dispute. My dispute specifically identified the lack of photographs, the lack of inspection documentation, and the lack of proof that the flooring required replacement. These concerns were not addressed. Invoices alone do not establish that damage occurred, that the damage exceeded normal wear and tear, or that I am responsible for the alleged damage. The documentation provided does not sufficiently verify the accuracy of the reported debt. I am requesting that this matter be investigated and that the collection agency be required to provide proper documentation verifying the alleged damages and my responsibility for them. If the debt can not be properly verified with sufficient documentation, I request that the account be removed from my credit report.

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 2026-03-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Block, Inc.
State: CA

Complaint narrative:
The cashapp support team closed my account because of terms and conditions of their policy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: DISCOVER BANK
State: PA

Complaint narrative:
" I am filing this formal complaint against Discover Bank for a direct violation of the Fair Credit Reporting Act ( FCRA ) regarding account # XXXX. This account was opened fraudulently in XX/XX/XXXX and closed in XXXX XXXX have provided Discover Bank and XXXX XXXX XXXX XXXX XXXX XXXX with my official FTC Identity Theft Report ( # XXXX ), which states under penalty of perjury that I did not authorize this account. Despite this, the bank continues to 'verify ' this fraudulent data.I have attached conclusive evidence of identity misattribution. My Social Security Administration Benefit Verification Letters from XX/XX/XXXX and XX/XX/XXXX confirm my legal residence was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, my XXXX utility bills for those exact months prove I had active service and was residing in XXXX XXXX not XXXXDiscover Bank is willfully ignoring federal identity theft documentation and residential proof. I demand they cease all reporting of this fraudulent account and instruct XXXX to permanently delete the record immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
RADIUS GLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS GLOBAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company 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 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit Corporation
State: NY

Complaint narrative:
In the past XXXX months, twice I received bills from my previous county and state, XXXX XXXX XXXX for vehicle taxes owed in the first XXXX weeks of XXXX, before I permanently moved to XXXX XXXX XXXXXXXX. I dutifully paid both bills but that did not resolve the issue, as I kept getting new ones despite paying what XXXX XXXX claimed I owed. Baffled, on XX/XX/XXXX I telephoned the XXXX XXXX XXXX XXXX XXXX XXXX at XXXX. I was informed that all the payments I was making for the small bills I was receiving from XXXX XXXX for XXXX were, instead being applied to an overdue car tax bill from XXXX that had been referred to Nationwide Credit of XXXX XXXX, and that I should call NCC to resolve this bill for XXXX. At the same time, the XXXX XXXX XXXX XXXX XXXX threatened me by informing me that I would not be able to register any new vehicle in my home state of XXXX XXXX until this issue was resolved. Notably, I am shopping for a new vehicle in XXXX XXXX Dutifully, also on XX/XX/XXXX, I called NCC to request all information about this supposed debt I owed. NCC told me on that date they would mail me what they had regarding this matter. I received no information. So again, XXXX days later, this time on XX/XX/XXXX of this year, I called NCC once again requesting any information they had on this matter. And again, I received nothing,. So again, this time on XX/XX/XXXX, for the third time in XXXX days, I called NCC and patiently requested any information they had on the matter. And again, I received nothing. So, for the fourth time, this time on XX/XX/XXXX, I called XXXX. This time I was informed that there was a note in the " file '', dated XX/XX/XXXX that they were to mail me the information I requested. As of today, XX/XX/XXXX, I have not received a single shred of evidence from either Nationwide Credit nor XXXX XXXX that this debt exists. Nor is either attempting to collect it as if it does. Their mailing addresses are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nationwide Credit Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally request validation of the debt you allege I owe, as outlined in the communication I received from your office. I am a victim of identity theft and have also been affected by a recent data breach. Thus, I do not acknowledge this debt, and it is imperative that I verify its legitimacy. Under the Fair Debt Collection Practices Act, I request that you provide the following information : 1. * * The amount of the alleged debt. * * 2. * * The name of the creditor to whom the debt is allegedly owed. * * 3. * * Documentation proving that I legally owe this debt. * * This may include a copy of the original contract or account statements. 4. * * Any judgement that may have been issued regarding this debt. * * Please consider this letter a formal dispute of the debt. I expect a response within 30 days, along with the required documentation to support your claim. Until I receive this information, please cease all collection activities related to this alleged debt. Additionally, if you can not provide adequate proof to verify that I owe this debt, I request that you remove any negative information related to this matter from my credit report. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: WA

Complaint narrative:
On XX/XX/XXXX, I bought a vacuum cleaner for {$590.00} from Best Buy on XX/XX/XXXX. They lowered the price down to three XXXX for the same vacuum. Ive asked them to reimburse me the {$200.00} since it was less than a month after I bought it and they are refusing to do so. Ive disputed the charges twice to no avail.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MS

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
SEQUIUM is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Disputed accounts shall be investigated and resolved within the deadlines set by governing laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I am filing this complaint regarding unauthorized transactions on my TD Bank credit card. Several charges appeared on my account that I did not authorize and did not make. My card was in my possession at the time of the transactions. I reported these fraudulent transactions to TD Bank promptly and filed disputes. However, TD Bank denied my disputes twice without providing sufficient explanation or documentation showing that the transactions were authorized. I requested that TD Bank provide evidence such as signature verification, IP address confirmation, or other authorization records used to support their decision, but this information was not provided. I also requested that the case be escalated for further review, but I was unable to obtain meaningful assistance. Because TD Bank refused to correct the fraudulent charges, the disputed balance resulted in a reported 60-day late payment on my credit report, which significantly damaged my credit score. Under the Fair Credit Billing Act, consumers should not be held responsible for unauthorized credit card transactions. I am requesting that TD Bank conduct a proper reinvestigation of these charges, remove the fraudulent balance, and correct any inaccurate negative information reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT ADJU/EASYMONEY XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation