vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: OR

Complaint narrative:
I am a XXXX veteran disputing this collection account ( Reference # XXXX ) in its entirety. This debt is invalid because the underlying lease agreement was legally terminated " for cause '' in strict accordance with Florida Statute 83.56 ( 1 ) due to the landlord 's material failure to maintain the premises ( severe mold and infestation ) under Florida Statute 83.51. 

Timeline of Legal Termination : On XX/XX/year>, my co-tenant and I hand-delivered a formal " 7-Day Notice to Cure '' to the property management, citing severe habitability violations including black mold and cockroach infestation.

We also sent this notice via Certified Mail ( Delivered XX/XX/year> ) to ensure perfection of service. 

The landlord failed to remedy the material noncompliance within the statutory 7-day window.

Consequently, we exercised our right to terminate the rental agreement and vacated the premises on XX/XX/year>. 

Possession was surrendered and a formal Notice of Lease Termination was delivered via Certified Mail on XX/XX/year>. 

FDCPA Violations & Harm : The collection agency has violated the FDCPA ( 15 U.S.C. 1692g ) by reporting this negative item to my credit file without first sending the required " dunning letter '' or 30-day validation notice. I never received any communication prior to this appearing on my credit report. As a veteran, protecting my financial standing is critical, and this invalid collection is causing unjustified material harm to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: FL

Complaint narrative:
I received a loan for {$250.00} on XX/XX/XXXX. I did not fully understand the terms of the loan at the time I signed it. Since then, the lender has been withdrawals {$37.00} from my checking account every week.

As of today, I have paid a total of {$300.00}, which already exceeds the original loan amount.

Despite this, the lender informed me that weekly withdrawals will continue for one year.

According to customer service, the contract states an interest rate of 767.29 % APR.

This means I would end up paying approximately {$1900.00} on a {$250.00} loan. 
I believe these terms are predatory and possibly illegal, and I am requesting that this matter be reviewed. 
I'd like to call my bank to stop these withdrawals, but I don't want to be in trouble and that's the reason for asking for help, next withdraw for {$37.00} is on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DISCOVER BANK
State: IL

Complaint narrative:
I was doubled charged for my XXXX XXXX XXXX  for my subscription twice by XXXX  and through XXXX ( attached copy of the credit approved today and returning to my bank account ), which then caused my checking account to be negative and my rent payment I gave my landlord over a week ago, came through today too after I contacted XXXX yesterday and they approved the refund. I then got notice from Discover Bank, where I have banked for years and have my XXXX XXXX 's pension direct deposited to, that they will be returning my {$800.00} rent check over the {$32.00} negative balance. I then called Discover and talked to XXXX incompetent employees who were not only slow, but did not listen and were rude and had no customer service skills, their names were " XXXX " who was customer service, and " XXXX or XXXX '', who repeated the same sentence XXXX times offering no help or resolution, both helped me decide to move my direct deposit to a new financial institutution. I am a XXXX XXXX, state and federal employee and also worked in commercial and investment banking for half of my 41 year career and have never talked to people who were less competent! They had no problem denying the fact that in the past I was told that if a check was returned the bank would make a decision on whether to return it and if under a certain limit XXXX cover it. They also have covered a check in the past for a couple of days until money went into the account. Yet these employees insisted that never happens and they are always returned. So, were willing to lose not only my current XXXX pension, but also my State of IL pension was has not started yet, over {$32.00}, when I told them XXXX had approved the refund which was on the way for almost {$22.00} and that American Greetings was also sending a refund for {$6.00} as I had cancelled the subscription AND my monthly rewards which average {$20.00} mo. are getting ready to hit my account day after tomorrow!!!! I have NEVER in my life dealt with a more uneducated and less business minded bunch of yahoos in my life!!! They both should be fired! This should also be illegal as it then causes enormous problems for me and my landlord as that is my {$800.00} rent check they are returning!!! I am looking for a new bank now and expect this issue to go to the corporate office and that the CFPB would enforce laws that protect the public from such. They advertise FALSELY that they have no overdraft fees, yet they forget to note in the same add that if you are only XXXX cent in the negative they will be sending ALL and any checks back even if you have a deposit getting ready to hit the account. THAT is false advertising and FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has been very stressful and I feel violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Company : Columbia Debt Recovery XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Issue : Inaccurate / fraudulent collection This collection account shows a past due balance of {$100.00} and was placed on my XXXX  credit report by Columbia Debt Recovery. I have never lived at this location and have no knowledge of this debt. Additionally, the debt was sold to a collection agency, and I do not owe this debt. Reporting this account is inaccurate and may be fraudulent, violating the Fair Credit Reporting Act ( 15 U.S.C. 607, 611, 623 ).

I have contacted XXXX  to remove this account, but it remains on my credit report. This indicates a failure to conduct a reasonable investigation and maintain accurate reporting.

I am requesting that XXXX  and Columbia Debt Recovery : 1. Delete this collection account from my credit report immediately, and 2. Ensure that all consumer credit reports reflect only accurate and verifiable accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LendingPoint Holdings LLC
State: MI

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I'm mentally drained and stressed. I feel really violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
CFPB COMPLAINT SANTANDER CONSUMER USA Date : XX/XX/year> Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Company : Santander Consumer USA Account Number ( as reported ) : XXXX XXXXXXXX ( masked per credit report ) Account Type : Auto Loan Reported Balance : {$13000.00} Federal and State Laws Violated Truth in Lending Act ( TILA ), 15 U.S.C. 1638 Failure to accurately disclose finance charges, payoff balances, and account terms.

Regulation Z, 12 C.F.R. 1026 Inaccurate periodic statement and payoff disclosures.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) Reporting materially misleading and inaccurate balances.

FCRA 1681s-2 ( b ) Failure to correct inaccurate information after CRA dispute .

Uniform Commercial Code ( UCC ) 9-610 Failure to conduct a commercially reasonable disposition of collateral.

UCC 9-615 Failure to provide a lawful post-sale deficiency accounting.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 Unfair, deceptive, or abusive acts or practices ( UDAAP ).

Consumer Rights Violated Right to accurate credit reporting Right to a reasonable reinvestigation after dispute Right to debt validation and verification Right to transparent and accurate disclosures Right to be free from unfair, deceptive, or abusive acts or practices Requested Resolution Immediate deletion of all inaccurate tradelines Written confirmation to CFPB and consumer Monetary compensation for statutory and actual damages Cease all collection and reporting activity I certify under penalty of perjury that the foregoing is true and correct. UCC 1-308 without prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: UT

Complaint narrative:
This filing is a formal dispute challenging the accuracy, legality, authorization, and validation of the alleged {$1700.00} account XXXX XXXX is reporting and attempting to collect. 

This dispute is filed under the protections of : FCRA 15 U.S.C. 1681e ( b ) duty to ensure maximum possible accuracy FCRA 1681i duty to reinvestigate disputed information FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( b ) duty to delete or correct inaccurate or unverified data XXXX XXXX is a third-party collection agency, and I have never provided written or verbal consent for my personal information to be bought, sold, transferred, or traded for monetary gain. I have no contractual relationship with this company and do not authorize or recognize this account. 

Because this is an alleged third-party debt with no lawful proof of authorization or ownership, continued reporting or collection without validation violates : FDCPA 15 U.S.C. 1692g ( b ) collection must cease until validation is provided FDCPA 1692e false, misleading, or deceptive representations FDCPA 1692f unfair or abusive collection practices XXXX XXXX has failed to provide : an original signed agreement a complete accounting ledger proof of ownership / chain of assignment proof that I am the responsible party proof of legal authority to collect or furnish data Therefore, this account is unverified, inaccurate, unauthorized, and not legally enforceable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding SoFi Banks failure to timely and appropriately resolve a debit card dispute involving a merchant transaction for goods that were never received. 

Transaction details : Merchant : XXXXXXXX XXXX XXXX XXXX Transaction date : XX/XX/year> Amount : {$150.00} Payment method : SoFi debit card I made a purchase on XX/XX/year>, for merchandise that was never delivered. I made good-faith efforts to resolve the issue directly with the merchant but received no product and no refund. 

I formally filed a dispute with SoFi on XX/XX/year>. As of XX/XX/year>, the dispute remains unresolved. I have received only generic status updates stating that the matter is under review, with no provisional credit, no clear timeline for resolution, and no substantive communication explaining delays or next steps. 

This delay is concerning given that the transaction involves non-receipt of goods, which is a straightforward category of dispute. The prolonged handling has caused unnecessary stress and financial uncertainty. I have fully cooperated with all requests and provided all requested information. 

I am requesting the CFPBs assistance to ensure : A timely and fair resolution of this dispute Proper provisional credit, if applicable under Regulation E Accountability for SoFis failure to resolve this matter within a reasonable timeframe I am attaching all relevant documentation, including confirmation of the transaction and correspondence with SoFi. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am filing this complaint because inaccurate and unverified information is being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed the account ( s ) directly with the furnisher ( s ) and formally requested debt validation in writing. Despite my lawful request, the furnisher ( s ) failed to provide proper validation proving the accuracy, ownership, and reporting authority of the alleged debt.

Additionally, I disputed the same account ( s ) with the credit reporting agency. In
stead of conducting a reasonable investigation as required under 15 U.S.C. 1681, the credit reporting agency continued reporting the account ( s ) without providing evidence that the information was verified.

The credit reporting agency is continuing to publish inaccurate, incomplete, and unverified information, which is causing financial harm, credit denials, and ongoing reputational damage.

I am requesting immediate deletion of the disputed account ( s ), as continued reporting without proper verification violates federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
The original creditor canceled and closed the service in XX/XX/year>. Despite the cancellation, four automated debit attempts of approximately {$74.00} were made on four consecutive days in XXXX 2025 using a payment method associated with a different service. All four attempts were denied by my credit union, which then activated fraud protection due to the repeated unauthorized charges. 
I contacted the original creditor multiple times regarding these charges and did not leave the interaction until both a technician and a supervisor confirmed that the service was canceled and the billing issue was fully resolved. 
On XX/XX/year>, I received a final bill by email from the original creditor showing a credit balance of {$0.00}, confirming that no balance was owed and that the account was closed. 
Despite this confirmation, on XX/XX/year>, a third-party debt collector, Credence Resource Management , reported a collection account to XXXX  for {$740.00}. I never received any written notice, validation letter, or communication from Credence prior to this reporting, nor was I provided any explanation of how this amount was calculated. The reported balance does not correspond to any legitimate charges and directly contradicts the original creditors final bill. 
XXXX  published the collection account without independent verification, resulting in a credit score decrease of approximately XXXX points and pushing my XXXX  score below XXXX, while the other nationwide credit reporting agencies reflected substantially less impact. 
I disputed the collection and requested validation and correction. This complaint concerns the attempt to collect a debt that was already resolved and the publication of unsupported collection data without notice or reasonable investigation, causing measurable and ongoing credit harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
RE : Checking /Debit Account ISSUE : Unauthorized transaction / Identity theft- XX/XX/year> {$2700.00} COMPANY : JPMorgan Chase Bank , N.A.

I am filing a complaint regarding JPMorgan Chase Banks improper denial of my claim for an unauthorized debit card transaction, despite my timely notice and documentation proving identity theft. 

Unauthorized electronic fund transfers were made from my checking/debit account after my mobile phone number was fraudulently ported out without my consent. This port-out prevented me from receiving fraud alerts and one-time passcodes. I did not authorize these transactions. 

I discovered the fraud and notified Chase within approximately 12 hours, well within the 2-business-day timeframe required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

I believe Chase is wrong. Under Regulation E, an unauthorized electronic fund transfer is one initiated by a person without actual authority. I did not authorize these transactions and provided timely notice.

I provided Chase with the below documentation : A police report confirming identity theft Email from XXXX confirming my phone number was fraudulently ported out Chase initially issued a provisional credit, acknowledging the claim. However, Chase later reversed the credit and denied the claim without providing a meaningful written explanation or evidence showing that the transactions were authorized by me.

This action appears inconsistent with Regulation Es investigation and consumer protection requirements. 

Chase has held me liable for losses despite clear documentation of identity theft and unauthorized access Attached are the below documentation : 1- Email from XXXX confirming my phone number was fraudulently ported out 2- Text received from XXXX advising that my line was ported out while I was sleeping 3- A police report confirming identity theft 4- Letter from XXXX confirming that an account was opened fraudulently under my name XXXX and XXXX  confirmation letters to freeze my credits after reporting my identity theft.

6- Chase Bank Letter denial of my claim in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Issue : Delayed reversal of provisional credit under Regulation E causing account harm Consumer : XXXX XXXX Claim Ref : # XXXX Amount : {$990.00} XXXX disputed a {$990.00} debit card transaction ( XXXX * XXXX XXXX  ). Wells Fargo confirms the merchant issued a refund on XX/XX/year> and that a provisional credit of {$990.00} was applied to my account on XX/XX/year>. 

However, Wells Fargo did not reverse the provisional credit until XX/XX/year>, more than XXXX weeks after the merchant refund posted. This delayed, lump-sum reversal is shown on my account as PROVISIONAL CREDIT REVERSAL {$990.00}. 

During this delay, both the merchant refund and the provisional credit existed simultaneously, inflating my available balance. When Wells Fargo later removed the credit without timely reconciliation or adequate advance disclosure, it caused or materially contributed to my account becoming overdrawn, ultimately reflecting a negative balance of {$730.00}. 

Wells Fargo states the credit was reconciled accordingly, but the transaction history shows delayed, retroactive reconciliation rather than prompt netting of the refund and provisional credit. This handling distorted my account balance and caused consumer harm, contrary to Regulation Es requirements for timely accounting and clear disclosure.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I deposited a check for XXXX on XX/XX/year> and it says it will be available to me by XX/XX/XXXX at XXXX and I have yet to receive it. I have been calling no results

Company response to consumer: Closed with monetary relief