vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
I disputed this apartment-related collection with the credit bureaus and it was verified without proper documentation. The account lists the original creditor as unknown and no itemized move-out statement, lease agreement, or proof of damages has been provided. I never received proper notice of this balance. Due to financial hardship and housing instability, I am requesting full validation or removal of this inaccurate reporting. 


Date : XX/XX/year>2025 Amount : {$4900.00} Actions I took : I submitted a dispute with the credit bureaus ( XXXX XXXX regarding this apartment-related collection. I requested documentation, including the original lease agreement, itemized move-out statement, and proof of any damages. 
Actions taken by the company : The company responded to the dispute but did not provide the requested documentation. The account lists the original creditor as unknown, and no itemized statement, lease, or proof of damages was supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: SC

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting. 

The same account is being reported with conflicting and incorrect original lender information across XXXXXXXX XXXX  and XXXX. In some cases, the debt buyer is incorrectly listed as the original creditor. 

A debt buyer can not be the original lender. These discrepancies render the account inaccurate and unverifiable. 

Despite my prior disputes, the accounts were marked as verified without correcting or addressing these inconsistencies. This demonstrates a failure to conduct a reasonable investigation and violates the Fair Credit Reporting Acts maximum possible accuracy requirement under 15 U.S.C. 1681e ( b ) and 1681i.

I am requesting deletion of the inaccurately reported accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
I don't know about XX/XX/XXXX at XXXXXX/XX/XXXX my check was deposited into my time checking account I woke up that afternoon about XXXX hungry and decided to check my account when I take my account I notice I only had XXXX and something dollars so I looked at I panicking and I looked at the transactions and noticed that there was XXXX transactions from a XXXX XXXX an a XXXX XXXX so I immediately call chime they said I would have to wait until until the transactions were completely finished before I can follow dispute so that means these transactions were pending they could have stopped them they allowed them to go through when I called and told him that they wasn't authorized therefore and I waited furiously XXXX off cuz I only had XXXX and something bucks left and while I'm sitting there in a couple hours later all of a sudden the XXXX dollars disappeared because of XXXX XXXX from XX/XX/XXXXalso hit my account for {$410.00} and then I think like a {$20.00} so at this point I had like just {$2.00} left in my account I was mad I called trying back they said I need to call cash out when I called cash out they said I had to wait for the transactions to go through before they can do anything yeah this is way out of line this has been happening to me all year long this is my social security benefits and I need this money I don't have no toilet paper no food no hygiene my transportation to my doctors I can't pay for now I mean it's just as out of line I would not only do I want my money back but I want to file a lawsuit on timeXX/XX/XXXX and whoever is responsible for this I want to prosecuted at the fullest I did file a police report and the police keeps telling me there's nothing they can do they my phone was hacked and I have no way to make phone calls now because they took the operating system out of my phone when they did this hacking to get into my account I can't even send a text message I've been on the phone wentXX/XX/XXXX ever since then a whole week now trying to get this settled and can't get it done please help me thank you and God bless

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To Whom It May Concern, This letter serves as a formal request that XXXX XXXX XXXX XXXX XXXX immediately cease and desist all communication with me regarding the above-referenced account. 
Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), once a consumer submits a written request to stop communication, a debt collector must comply, except to notify the consumer of specific legal actions. 
You are hereby instructed to stop all forms of communication, including but not limited to phone calls, voicemails, text messages, emails, letters, or contact with third parties. 
Any further communication from your company beyond what is permitted by law will be documented and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Florida Attorney General, and may expose your company to legal action. 
This letter is not an acknowledgment of any debt, nor is it a refusal to pay. It is a demand for compliance with federal law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency Credence Resource Management # XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
Reference # : XXXX Steel River is attempting to collect and report a vehicle loan account that it states was acquired from XXXX XXXX XXXX. The vehicle was allegedly repossessed and sold, yet I was never provided required notices, including a Notice of Default or Right to Cure, Notice of Sale, or a Deficiency Balance Notice. I was not informed of how the balance was calculated after the sale of the vehicle. 
Despite the vehicle being repossessed and sold, the debt continues to be reported and collection activity has occurred without proper documentation or verification. This conduct appears to violate the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2, the Uniform Commercial Code 9-611 and 9-614, and the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g. I am requesting investigation and corrective action as I will not tolerate the harassment and threats. This conduct constitutes harassment and unlawful collection practices under 15 U.S.C. 1692d, 1692e, and 1692f, and continued contact after notice violates 15 U.S.C. 1692c ( c )

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am filing this complaint regarding Wells Fargo Case Number XXXX, involving my Wells Fargo XXXX Checking account ending in XXXX. 

On XX/XX/year>, I sent a {$500.00} XXXX payment for a XXXX XXXX purchase. After payment was sent, the seller directed me to a supposed logistics company ( XXXX XXXX ) that claimed delivery could not occur unless I paid a refundable insurance license fee. This logistics company is not legitimate, and the insurance demand is a known online marketplace scam tactic. No legitimate shipment existed, and no item was ever delivered. 

I reported this to Wells Fargo as authorized but fraudulent, as the payment was induced through deception, impersonation, and a fake shipping company. Wells Fargos executive escalation team denied my claim solely on the basis that I authorized the transaction using my login credentials, stating that this was not a bank error and instructing me to contact the merchant for a refund. 

This denial improperly treats the transaction as a payment error rather than fraud. Authorization alone does not negate fraud when funds are obtained through deception and impersonation. There was no legitimate merchant to contact, no legitimate shipment, and no legitimate goods or services provided. 

I am requesting CFPB review because Wells Fargo failed to properly evaluate this as an authorized but fraudulent XXXX transaction involving impersonation and non-delivery, and instead closed the case without addressing the fraudulent nature of the transaction.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter serves as a formal request that XXXX XXXX XXXX , XXXX immediately cease and desist all communication with me regarding the above-referenced account.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), once a consumer submits a written request to stop communication, a debt collector must comply, except to notify the consumer of specific legal actions.

You are hereby instructed to stop all forms of communication, including but not limited to phone calls, voicemails, text messages, emails, letters, or contact with third parties.

Any further communication from your company beyond what is permitted by law will be documented and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Florida Attorney General, and may expose your company to legal action. 
This letter is not an acknowledgment of any debt, nor is it a refusal to pay. It is a demand for compliance with federal law. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: MD

Complaint narrative:
I initially contacted Village Capital to request to close our escrow account and take over paying our home insurance ourselves when we had major issues and delays getting responses and assistance in our escrow analysis once we were exempt from property taxes. This was our Second time dealing with major issues and delays with Village Capital and the XXXX  department. The first one being when they did not update our insurance and charged us the wrong mortgage amount for 8 months and then it took 11 phone calls, 7 messages in the portal and 8 emails to rectify this situation costing the homeowners time we did not have when they were at fault. I have record of that entire situation as well. 

All my of my requests are below all written to the company requesting to CLOSE OUR ESCROW ACCOUNT AND TAKE OVER PAYING OUR HOME INSURANCE OURSELVES. 

First request- We requested in writing to XXXX & XXXX to cancel our escrow account due to these issues on XX/XX/XXXX. 

Second request- We requested in writing to XXXX & XXXX to cancel our escrow account due to these issues on XX/XX/XXXX. 

Third request-We requested in writing to XXXX & XXXX to cancel our escrow account due to these issues on XX/XX/XXXX. 

Fourth request-We requested in writing to XXXX & XXXX to cancel our escrow account due to these issues on XX/XX/XXXX. 

Fifth request-We requested in writing to XXXX & XXXX to cancel our escrow account due to these issues on XX/XX/XXXX. 

Sixth request-We requested in writing to XXXX & XXXX to cancel our escrow account due to these issues on XX/XX/XXXX. 

Seventh request-We requested in writing to XXXX & XXXX to cancel our escrow account due to these issues on XX/XX/XXXX. 

Each time we request this we are either ignored prompting another follow up or told " the request is being escalated ''. In each of my written requests I have requested the paperwork required to complete this, a timeline of when this will be completed and steps we need to take. None of those things have been completed by the company or even responded to. I want to warn others to stay far away from this mortgage company as they are unprofessional and unethical to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request that Portfolio Recovery Associates , LLC immediately cease and desist all communication with me regarding the above-referenced account. 
Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), once a consumer submits a written request to stop communication, a debt collector must comply, except to notify the consumer of specific legal actions. 
You are hereby instructed to stop all forms of communication, including but not limited to phone calls, voicemails, text messages, emails, letters, or contact with third parties. 
Any further communication from your company beyond what is permitted by law will be documented and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Florida Attorney General, and may expose your company to legal action.

This letter is not an acknowledgment of any debt, nor is it a refusal to pay. It is a demand for compliance with federal law.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing the accuracy and completeness of XXXXXXXX XXXX XXXX credit reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
XXXX XXXX XXXX is reporting a collection account with a balance of {$420.00} that contains material inaccuracies and incomplete information, including but not limited to : XXXX XXXX XXXX is incorrectly listed as the original creditor, despite being a debt buyer The account is reporting as open, which is inaccurate for a collection account No original creditor name or original account number is provided No date of first delinquency is reported The account type is missing I previously disputed this account and XXXX failed to correct these inaccuracies, instead verifying incomplete and misleading data. 
Under FCRA 611 and 623, furnishers are required to report information that is complete, accurate, and verifiable. Reporting materially misleading information constitutes a violation even if some data is correct. 
I am requesting that CFPB require XXXX XXXX XXXX to either : Correct all inaccurate and incomplete fields immediately, or Delete the account due to inability to accurately report required information. 
I am attaching my credit report showing the inaccuracies described above.

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 2026-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I made a purchase at a merchant called XXXX XXXX XXXX using Cash App in the amount of {$74.00}. During the transaction, the merchant stated that their payment system went down and claimed the payment did not go through. 

Despite this claim, the {$74.00} charge later posted and fully settled in my Cash App account. Because the merchant insisted the payment failed, I was required to submit a second payment in store in order to complete the purchase. 

As a result, XXXX separate charges posted and settled in my Cash App account for what was effectively the same transaction. I disputed the original {$74.00} charge with Cash App and provided screenshots showing both charges as completed. 

Cash App denied the dispute after reviewing the matter with the merchant, who claims their internal system does not reflect the original charge. However, the funds clearly left my account and settled, resulting in a duplicate charge. 

The merchant refuses to issue a refund solely because their internal system does not show the charge, despite the fact that Cash App records confirm the transaction was completed. 

I am requesting that Cash App review the settlement and merchant processing records and refund the duplicate charge of {$74.00} that was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
A debt collection company, Columbia Debt Recovery, has been contacting me repeatedly by phone, text, and email regarding an alleged debt of {$22000.00}, offering a settlement of {$19000.00}, related to XXXX XXXXXXXX XXXX I have never rented from, leased with, or entered into any agreement with this company or its affiliates. This debt is fraudulent. 
The company previously operated under the name XXXX XXXX XXXX XXXXXXXX, then changed its XXXX name and reappeared under different business identities. The property involved was allegedly purchased under a first-time homebuyer program and was illegally rented out before the required occupancy period, which is not permitted. I was given access to a property without meeting any representative in person, using a lockbox with keys left inside. I was not permitted to place utilities in my name, yet excessive utility charges were later claimed without explanation. When I contacted utility providers directly, the charges did not match the amounts being claimed. 
After I refused to pay, the company ceased communication, disappeared, and later resurfaced under a new name. The current collection activity appears to be based on unlawfully obtained personal information, false representations, and misidentification of the alleged debtor. 
This conduct appears to violate the Fair Debt Collection Practices Act, including 15 U.S.C. 1692d ( harassment ), 1692e ( false or misleading representations ), 1692f ( unfair practices ), and 1692g ( failure to validate the debt ), as well as the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, regarding inaccurate and unverifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: CA

Complaint narrative:
I am filing this complaint against SoFi Bank for multiple violations of Regulation E ( 12 CFR 1005.11 ) and its own Deposit Account Agreement ( Section VIII ). 
1. Failure to Issue Mandatory Provisional Credit : On XX/XX/XXXX, I reported XXXX electronic fund transfer errors : {$430.00} ( Ticket XXXX XXXXXXXX ), {$500.00} ( Ticket # XXXX ), and {$460.00} ( Ticket # XXXX ). Per a SoFi agents written confirmation, today, XX/XX/XXXX, is officially the XXXX business day since my report. Under 1005.11 ( c ), SoFi is required to issue provisional credit if the investigation is not complete within 10 business days. SoFi has failed to issue these credits for the {$430.00} and {$500.00} claims. 
2. Improper Denial and Evasive Communication : SoFi issued a blanket denial of credit for Ticket # XXXX ( {$460.00} ) on XX/XX/XXXX, stating only that it " does not qualify ''. This is a violation of 1005.11 ( d ), which requires a written explanation of findings when a bank determines no error occurred. Furthermore, SoFi is attempting to reclassify these as " Merchant Disputes '' to bypass federal timelines. I assert these are " Incorrect Electronic Fund Transfers '' and " Billing Errors '' under 1005.11 ( a ) ( 1 ) ( ii ), as the funds were transferred in an incorrect amount for services not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I submitted a dispute on XX/XX/scrub>, 2025. Cash App states disputes take up to XX/XX/XXXX days. It has now been over XX/XX/XXXX days. Cash App refuses to provide a final determination and instead closed my complaint without approving or denying the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter to experian requesting my master promissory note and chain of custody. I sent the letter with my name, date of birth, address and SSN. Experian sent me a card saying they didnt have enough information to confirm my identity.

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