vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
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: NM

Complaint narrative:
I have asked for over 4 years now by sending certified letters to all the 3 credit reporting agencies XXXX XXXX XXXX XXXX XXXX remove all old or incorrect personal information. Also, I requested they send me proof of original contract with my signature which they can not provide for false negative reporting accounts that have negatively affected my credit report, score, etc. and caused me harm. I have also tried to contact companies making false claims to provide me with original contract with my original signature with no resonse. After requesting the 3 credit reporting agencies to send proof or immediately remove they do not fix my reports. I am having to file a law suit against the companies who are making false claims on my reports and this has caused me much harm in terms of aggravation, time, money, cost of not being able to be approved for better credit cars with better rates, being able to get a rental lease, etc. I am having to file lawsuits which also causing me harm in terms of time, money, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this formal complaint against Capital One Bank regarding the unlawful retention of my funds following the wrongful closure of my accounts. On XX/XX/year>, Capital One unilaterally closed my accounts based on a claim that I assert is entirely false and unsubstantiated. I was given no meaningful opportunity to dispute this claim prior to closure. As of today, XX/XX/year> thirty-seven days later Capital One continues to hold my money and has failed to issue a closeout check. This constitutes an unlawful withholding of my funds and a serious violation of my rights as a consumer. Capital One 's conduct in this matter reflects a profound failure of internal controls. A bank with effective compliance and account management procedures does not close customer accounts based on erroneous claims, nor does it retain customer funds for over a month without resolution. The absence of timely, accurate, and fair account closure procedures indicates systemic deficiencies in Capital One 's internal control framework deficiencies that are causing direct and ongoing financial harm to customers like myself. I am demanding the following immediate remedies : 1. Issuance of a closeout check for the full balance of my closed accounts without further delay. I have also filed a concurrent complaint with the Consumer Financial Protection Bureau. I expect this matter to be investigated thoroughly and resolved without further delay. Capital One 's continued retention of my funds is unacceptable and I will pursue every available legal and regulatory remedy until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: NC

Complaint narrative:
I have paid the dates for absolute resolution and it still appears on my credit report. The debt supposed to be paid and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: IN

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 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I called portfolio recovery associates to settle a debt, who transferred me to XXXX XXXX XXXX XXXX XXXX, acting on behalf of portfolio recovery associates. The reps at this law firm refused to negotiate in good faith, they used aggressive and disrespectful, high pressure scare tactics. When trying to settle my debt, they refused to accept my amount and demanded I pay theirs. They told me that a lawsuit has already been filed against me XX/XX/year> with a trial date in XX/XX/year>. I have received absolutely 0 notification of this. I have not been served. I asked the reps for a case number, and they refused to give it to me, claiming that it hasnt been given yet and that I will be served in the near future. I offered to pay their amount via money order/ check. They told me they do not accept debit/credit cards, only checking/savings account that I do not feel comfortable giving. When I offered to still send it in a check form, the rep threatened that the check would not reach them until XXXX, and my settlement offer would not apply, and I would also have to pay court costs. I eventually was able to speak to somebody else who extended the offer to XX/XX/XXXX to get the money order to them, but they also claimed there was an active lawsuit. I asked for a payment agreement in writing BEFORE i pay, and the rep told me that it would arrive in 48 hours. Which would be XXXX. So the first rep wanted me to pay, today, without a payment agreement, via checking/savings. I called Portfolio Recovery to confirm the lawsuit, they refused to give me any information and only gave the phone number to the law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing a second complaint against Midland Credit Management regarding their continued reporting of an unverified and inaccurate collection account. I previously filed a complaint with the Consumer Financial Protection Bureau regarding this account. Midland Credit Management responded, but failed to provide any documentation to support the validity of the debt. Instead, they referred me to their website and claimed information had been sent previously, which does not satisfy their obligation to properly verify the account. To date, I have not received : * A signed agreement or contract * A complete account history * Documentation showing Midland Credit Managements legal right to collect this debt Despite this, Midland Credit Management continues to report this account to the credit bureaus. Additionally, the credit bureaus have reported inconsistent results. XXXX has repeatedly updated the account, while XXXX and XXXX have claimed the account is verified, yet no documentation has been provided. This indicates that Midland Credit Management is furnishing information that is not properly verified. Under the Fair Credit Reporting Act, furnishers are required to conduct a reasonable investigation and provide accurate and verifiable information. Midland Credit Management has failed to meet these obligations. Because Midland Credit Management has failed to properly verify this account and continues to report it, I am requesting the immediate deletion of this account from all credit reporting agencies. Account Details : Midland Credit Management Account Number : XXXX Original Creditor : XXXX XXXX XXXX This complaint is being submitted due to Midland Credit Managements failure to adequately respond to my previous complaint and their continued reporting of unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BROKER SOLUTIONS, INC.
State: MO

Complaint narrative:
I am filing a complaint against my mortgage servicer, New American Funding, and their vendor, XXXX. While my home was occupied, XXXX and/or their subcontractors repeatedly accessed my property without permission. They initially changed my locks and removed my personal belongings, including food and furniture, leaving me locked out of my home. After this, I was later provided with a code to regain access. However, XXXX continued to treat the property as vacant. They repeatedly accessed the home without my authorization, including providing lockbox access codes to third parties. Even after I removed the key from the lockbox, they still gained entry by breaking a window to access the home. At no point was the property abandoned. I was actively occupying the home, and these actions were unauthorized and caused significant disruption, damage, and loss of personal property. In addition to removing my belongings and damaging the property, their actions also caused plumbing damage. The garbage disposal was misused, which led to a backup that caused my dishwasher to flood. This resulted in water damage requiring an insurance claim and repairs, including ceilings being opened. These actions caused substantial hardship and directly impacted my ability to maintain my mortgage, contributing to my current default and foreclosure status. I reported this issue to my mortgage company. They conducted an investigation but never contacted me or allowed me to provide evidence. They concluded there was no fault, which I dispute because the investigation was incomplete and did not include my account. I currently have a foreclosure sale scheduled for XX/XX/year>. I am requesting : - An immediate review of this matter - A postponement of the foreclosure sale - A full and fair reinvestigation including my evidence - Accountability for XXXX and any subcontractors involved - Compensation for damages and loss of personal property This situation involves repeated unauthorized entry into an occupied home, property damage, removal of belongings, and an inadequate investigation by the mortgage servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
I paid off my auto loan with TD Auto Finance in XXXX. The vehicle is currently titled in Nebraska, where TD Auto Finance remains listed as the lienholder. On or about XX/XX/XXXX, after identifying that the Nebraska Department of Motor Vehicles requires a specific Non-Participating Lender Lien Release form, I faxed TD Auto Finance the required Nebraska form and requested that it be completed and submitted. A few days later, TD Auto Finance submitted a New York lien release letter instead of the required Nebraska form. This document was rejected by the Nebraska XXXX. TD also sent me the same incorrect New York lien release letter. On XX/XX/XXXX, I faxed TD Auto Finance again, providing the required Nebraska form a second time, along with an official letter from the Nebraska XXXX explaining that this specific form must be completed by the lienholder. TD Auto Finance had previously stated that the XXXX needed to send such a request on official letterhead. Despite this, TD Auto Finance again failed to complete the required Nebraska form. Instead, they used a XXXX account I provided to send me the same incorrect New York lien release document for a third time. As a result, the lien remains on my Nebraska title, and I am unable to complete an insurance settlement for a totaled vehicle. This delay is causing ongoing financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 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: Chime Financial Inc
State: MS

Complaint narrative:
I made a legitimate purchase of {$900.00} with XXXX XXXX XXXX using my Chime XXXX XXXX card. After canceling my enrollment, the merchant sent me a written determination confirming that a 100 % refund of {$900.00} was processed to my original payment method and would be returned within 310 business days. I have attached this documentation. I initially filed a dispute, but it was incorrectly categorized as fraud instead of a billing dispute. The dispute was later closed. On XX/XX/year>, I received notifications from Chime stating that my refunds of {$350.00} and {$550.00} from the merchant were on the way. However, I was later informed by Chime that the merchant canceled the refund before it was completed, and I have not received my money. The merchant has failed to honor a written refund agreement, and Chime has not provided a resolution after the dispute was mishandled. I am requesting that Chime properly investigate this as a billing dispute for services not rendered and failure to honor a written refund agreement, and credit the full {$900.00} back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
I am submitting a complaint regarding XXXX XXXX and their authorized collection agency XXXX XXXX XXXX, in connection with an alleged account. I have previously requested validation of this account from both XXXX XXXX and XXXX XXXX XXXX. To date, no documentation has been provided to substantiate the debt. Despite this, collection activity has continued. Additionally, I have clearly requested that all communication be conducted in writing. This request has not been honored. Instead, I have received an excessive number of phone calls from XXXX XXXX XXXX, often from multiple phone numbers. The volume and frequency of these calls are unreasonable and appear to be intended to pressure or harass. I have documented call activity demonstrating repeated contact over a short period of time, despite my request for written communication only. These records are included as part of this complaint. Furthermore, a prior complaint was submitted regarding this matter, and no meaningful response or resolution was provided. Collection activity continued without proper validation or compliance with my communication request ( XXXX ). At this time, there is still no documentation establishing the validity of the debt, the chain of assignment, or the legal authority of XXXX XXXX to collect. I am requesting that XXXX XXXX and XXXX XXXX XXXX either provide full and proper validation of this account or cease all collection activity and request deletion from all consumer reporting agencies.

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 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft resulting in a fraudulent mobile service account that was opened without my authorization. This complaint is directed at Experian and XXXX XXXX XXXX for willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding a fraudulent {$350.00} collection account. Timeline of Events : XX/XX/XXXX : I personally reported the identity theft and fraudulent account at the original service provider 's retail location. I also hold an active civil lawsuit and an Order of Protection directly related to this identity theft. XX/XX/XXXX : Despite active court proceedings, the fraudulent account was transferred to a third-party debt collector, XXXX XXXX XXXX . I discovered this {$350.00} collection account appearing on my Experian credit report for the first time. XX/XX/XXXX : I sent certified mail to Experian and XXXX XXXX XXXX. Each package contained my official identity theft report, government-issued photo ID, proof of address, and a formal block/dispute request. XX/XX/XXXX : USPS tracking confirms that both Experian and XXXX received their respective certified mail packages. XX/XX/XXXX : Experian sent a rejection email falsely claiming I had not provided proof of identity. My identity documents were physically in Experian 's possession when they issued this rejection. Furthermore, Experian 's communication contradictorily claimed my request was procedurally deficient while simultaneously denying it on the merits. XX/XX/XXXX : Due to the continued refusal to comply with federal law, I filed a formal consumer complaint with my state 's Attorney General 's office. Specific Violations : XXXX XXXX XXXX received my certified dispute and identity theft documentation but dismissed it without conducting any reasonable investigation. They failed to mark the account as " disputed '' on my credit report as required by law. Their only response to the credit bureau 's reinvestigation inquiry was simply : " PLEASE REFER TO YOUR CREDIT REPORT ''. Experian willfully ignored my certified identity theft documentation and failed to block the fraudulent tradeline as mandated by the FCRA.

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 2026-04-29 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 Adjusters, LLC
State: NC

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA 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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I made a XXXX $ payment that I was told completed but then they put it back on my account. After speaking with multiple people I got the same answer that my payment was complete as of XX/XX/XXXX. I then get a notification that I was charged over XXXX $ for it going back onto my account when Ive already paid and completed

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 2026-04-29 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: TX

Complaint narrative:
I booked a trip via Capital One XXXX : * Confirmation # : XXXX * Property : The XXXX XXXX XXXX in XXXX, NY * Check-in : XX/XX/2026 * Checkout : XX/XX/2026 * Total Paid : {$820.00} * {$420.00} paid via Capital One credit card * XXXX Capital One Miles Upon arrival on XX/XX/2026, the property was uninhabitable due to an active rodent infestation, including visible mice droppings and mice actively running inside the unit overnight. We made multiple attempts to contact the host immediately and received no response. Due to the unsafe and unsanitary conditions, we were forced to vacate the property and secure alternative accommodations at our own expense. The host later acknowledged the issue and confirmed a full refund. However, it has now been over XXXX weeks, and no refund has been received. I have contacted Capital One XXXX multiple times and have been informed that confirmation from the host is still required, despite the host stating that a refund has already been initiated. This has resulted in an unacceptable delay in resolving what is clearly a case of services not rendered due to uninhabitable conditions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
Issue Type : Loan Servicing Issue Deferment/Repayment Status Error Description : I am filing a complaint regarding multiple servicing errors by my loan servicer, MOHELA. In XX/XX/XXXX, I requested to be removed from in-school deferment so I could enter repayment and begin making qualifying payments on my federal student loans. Despite this request, MOHELA failed to process the change, and my loans remained in deferment without my authorization. Because of this servicing error, I have lost over a year of potential repayment time, which impacts my loan progress and any forgiveness eligibility. Additionally, I have identified a missing payment on my account. While some payments submitted by the XXXX XXXX XXXX XXXX XXXX were applied, a payment dated XX/XX/XXXX has not been applied to my account. At that time, my required monthly payment was {$0.00} ; however, this payment should still have been properly applied and reflected on my account. I will provide documentation of this payment, including a copy of the check, for review. I have attempted to resolve these issues directly with MOHELA, but they have not been corrected. I am requesting the following : * Retroactive removal of in-school deferment effective XX/XX/XXXX * Correction of my loan status to reflect repayment beginning at that time * Credit for all months that should have counted toward repayment * Investigation and proper application of the missing XX/XX/XXXX payment * A full review of my account due to these servicing errors I can provide documentation supporting both my deferment removal request and the missing payment. This issue has caused unnecessary delays and potential financial harm, and I am requesting prompt resolution. Thank you.

Company response to consumer: Untimely response