vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Im disputing the full balance with Columbia Debt Recovery, dba Genesis, despite the receipts they sent. Those papers show nothing realno dated invoices, and no proof the damages werent from their broken AC, leaks, or the mold buildup I lived with. Even the included fridge and microwave were already damaged when I moved in, yet theyre trying to bill me for items they never provided in usable condition. 
I paid rent every month and despite the constant mold smell and sickness ruined my lifeconstant XXXX, headaches, inability to breathe, work, or sleep. Mold exposure caused serious health issues that kept me from working for periods of time, leading to financial losses and disruption to my employment. 
My pleas for repairs were ignored, violating basic habitability rights. Under the FDCPA, verification must be legitimate, not just scraps. This fake debt tanks my credit and peacedelete it from all bureaus, halt collections, and provide written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Tilt Finance, Inc.
State: TX

Complaint narrative:
Tilt is repeatedly reporting inaccurate and misleading credit utilization information to XXXX XXXX and XXXX  that does not align with my billing cycle or actual statement balances. 

My billing statements close on the XXXX or XXXX of each month. I consistently pay the account down in accordance with the statement balance and have not carried high balances at statement close. Despite this, Tilt reports balances based on end-of-month or early-month XXXX  dates ( such as XX/XX/XXXX ), which reflect temporary usage rather than statement balances. 

As a result, Tilt has reported utilization of approximately 84 % for multiple months ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), even though my statements do not reflect high utilization. This reporting has caused repeated and documented credit score harm.

I disputed this reporting with the credit bureaus. The bureaus responded that Tilt verified the information as accurate. Tilt subsequently confirmed in writing that they report balances as of the last day of the month rather than the statement closing date and refused to make any correction or notation. 

This reporting practice misrepresents my true credit utilization, creates a misleading risk profile, and deprives me of any reasonable opportunity to demonstrate responsible credit use. Although the balance may be numerically accurate on a specific date, it is misleading and does not meet the Fair Credit Reporting Act standard for reasonable accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC
State: CA

Complaint narrative:
I am filing a complaint against a debt collector for harassment, threats, and deceptive practices. 

The individual identified himself as XXXX XXXX, calling from phone number XXXX. 

On XX/XX/year>, XXXX XXXX called and left a voicemail but failed to identify the company he represents, the reason for the call, or provide meaningful disclosure as required by law. 

During a prior phone conversation, XXXX XXXX threatened to have me served and stated he would contact my family members. He also referenced my divorce, which is completely unrelated to the alleged debt and inappropriate. When I told him he was not to threaten me, he stated that he would say whatever was necessary to collect the debt for the agency that hired him. 

After our call, XXXX XXXX emailed my an agreement letter which listed an address that I have not resided for over 10 years, and then claimed that I ignored the debt, despite using outdated and incorrect contact information. This is the reason I was previously unaware of the alleged debt. 

XXXX XXXX conduct includes harassment, threats of legal action, threats to contact third parties, failure to provide meaningful identification, discussion of personal matters unrelated to the debt, and deceptive communication practices. 

I believe this conduct violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c, 1692d, 1692e, and 1692f ) and applicable state consumer protection laws. I am requesting that this conduct be investigated and that all unlawful communication cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX SEQUIUM ASSET SOLUTIONS INC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Re : Account # : XXXX To Whom It May Concern : This letter is sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

I dispute the validity of the alleged debt referenced above ( or any portion thereof ) and formally request that you validate this debt. Until validation is provided, all collection activity must cease immediately.

Please provide me with the following : 1. The amount of the alleged debt ; 2. The name of the current creditor to whom the debt is owed ; 3. Verification that I am legally obligated to pay this debt ( e.g., the original agreement bearing my signature or a copy of any judgment ) ; 4. The name and address of the original creditor, if different from the current creditor ; 5. Proof that your company is licensed to collect debts in my state ( if required by state law ).

Pursuant to 15 U.S.C. 1692g ( b ), all collection activities, including but not limited to telephone calls, letters, and reporting to credit bureaus, must cease until you mail me the requested validation or verification of any judgment.

If this debt has been reported to any credit reporting agency, please immediately notify them that the account is disputed.

All future communication regarding this matter must be in writing and sent to the address listed above.

If you fail to properly validate this debt within the time allowed by law, I will request that the item be removed from my credit files ( if reported ) and that all collection activity permanently cease. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding a serious servicing error on my mortgage account related to my escrow account and property tax payments. This matter has caused significant financial harm due to Newrezs failure to properly execute instructions that were repeatedly confirmed to me. 
Over the course of last year, I contacted Newrez on close to 7 separate occasions to request the removal of my escrow account. As part of this process, I complied with all requirements provided by Newrez Mortgages representatives, including paying for and obtaining an appraisal at my own expense. Following this, my Private Mortgage Insurance ( PMI ) was removed, and I was explicitly informed on multiple phone calls that my escrow account had also been deactivated as well. 
Relying on these confirmations, I continued to pay my property taxes directly, as I had been instructed to do. 
However, nearly a year later, when I logged into my account to make my regular mortgage payment, I discovered that Newrez had paid approximately {$18000.00} in property taxes from an escrow account that should not have been active. These taxes had already been paid by me directly. As a result, this payment was unauthorized, unnecessary, and entirely avoidable had my escrow account been properly removed as confirmed multiple times by Newrez representatives. 
This represents a serious servicing failure, including but not limited to : Failure to properly process and execute my escrow removal request Providing inaccurate and misleading information over multiple calls Making an unauthorized payment on my behalf for an obligation that had already been satisfied Creating a financial discrepancy that I should not be responsible for correcting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On XX/XX/year> my CD matured. I asked to roll it over and pull some money from it to send to my bank account. We tried this XXXX times and it didn't work. So I have been calling them and talking to customer reps. Today I asked to have my account closed and to have a check mailed to me. I asked to talk to the specialist and they said they couldn't do that. Then he said I could talk to a manager, whom he didn't know the name. Again I was put on hold. 
I have now been on their chat and have asked the same thing. That person is looking into it. 
Now I have serious concerns that I will never see my money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Date : XX/XX/year> To : Bounce AI Inc. XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Re : Cease and Desist All Communication Account Number : XXXX Original Creditor : XXXX XXXX XXXX Balance : {$3000.00} To Whom It May Concern : I am writing to you regarding the debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am hereby directing you to cease and desist all communication with me regarding this matter immediately. 
This includes, but is not limited to : Telephone calls to my home, mobile device, or place of employment. 
Emails, text messages, and social media messages. 
Letters sent to my home or place of employment. 
I dispute the validity of this debt. Please note that my request for you to cease communication does not constitute an admission of liability. I maintain that this debt is invalid and inaccurate. 
If you contact me again for any reason other than to ( XXXX ) advise me that your collection efforts are being terminated ; or ( 2 ) notify me of specific remedies that you are invoking, I will consider such contact a direct violation of the FDCPA and will pursue all available legal remedies, including reporting your agency to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney Generals office. 
Thank you for your immediate cooperation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
As of XXXX, our summer taxes were not paid and the money was sitting in escrow. We were never notified, we found out by accident. We have called everyday since XXXX and as of XXXX we finally were told that the legal description was filed incorrectly by the mortgage company. We have refilled it with them but also they found it and have had it since XXXX and still have not fixed this issue. They were not going to pay our winter taxes either which could force a lien on our home. The money is sitting in escrow. The conpany still can't give any info as to why this happened or when they will fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
{$5900.00} is locked in a hijacked cashapp account and the company has made no resolution to return access to the account or unlock the funds or return the funds. Been working on this since XXXX  Called incessantly, submitted complaints and requests incessantly. The customer service rep hangs up every call after placing it on hold. They allowed someone to login and change the personal info and login information and cash tag on the account, won't allow me to make a new cashapp account and send the same " we are trying to resolve this issue '' automated response email to every attempt for technical help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Called Capital One requesting information on my charge-off accounts so I can get them resolved. They stated on the phone that they were unable to find my account. They asked for that i ether send by certified mail or fax them my SSN and bank so they can find my account. Roughly 28 days later I received a request for more information from them because they still are unable to find my account. If they are unable to find my account, it should be removed for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for debt validation regarding the accounts you are reporting under my name ( account numbers XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX ). 

Under the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act, please provide the following : Proof that Credence Resource Management owns or has been legally assigned this debt A copy of the original contract or agreement bearing my signature An itemized accounting of the alleged balance The date of first delinquency with the original creditor Proof that you have authority to report this account to consumer reporting agencies Until this information is provided, you are required to cease reporting this account. Failure to validate will require deletion of the account from all credit bureaus.

Please respond in writing within the time allowed by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am disputing the Credence Resource Management collection account ( account number XXXXXXXX XXXX XXXX XXXX XXXX ) reportedly associated with XXXX XXXX XXXX. 

This collection account is inaccurate and incomplete for the following reasons : No documentation has been provided establishing Credence Resource Managements legal authority to collect this debt.

No date of first delinquency has been reported.

No itemized balance or explanation of charges has been provided.

The reporting may constitute improper re-aging if not tied to the original XXXX XXXX XXXX delinquency. 

Under FCRA 611 and 623, all information must be accurate, complete, and verifiable. If Credence Resource Management can not fully validate this account, it must be deleted from my credit report. 

Please investigate and provide written confirmation of your findings. 

Sincerely, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK

Complaint narrative:
XXXX XXXX  refused account opening based upon unknown information from Chexsystems Inc and refused to disclose further information stating I had to contact Chexsystems about the issue through their website as the bank, XXXX XXXX, couldn't provide any of their contact information outside of just a print out of the company 's advertisement including a web address. I tried contacting the company, but when I went to visit the webpage to get the necessary contact information their website was banned for being unsafe.

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 2026-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DRB-40, LLC
State: ID

Complaint narrative:
I am submitting this complaint regarding unlawful debt collection practices by DRB-40 , LLC concerning XXXX alleged account originally attributed to XXXX XXXX XXXX XXXX 

On XX/XX/year>, I received a collection notice claiming a balance of {$7900.00}. I have formally disputed this alleged debt and demanded validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Despite my lawful request, the collector has failed to provide : A copy of any contract bearing my signature A complete payment history Proof of ownership and full chain of assignment Itemization of the amount claimed Proof of licensing and authority to collect in my state Evidence the statute of limitations has not expired The collector continues to attempt collection without providing competent evidence that the debt is valid or that they have standing to enforce it. This constitutes unfair and deceptive collection practices and places the burden of proof improperly on the consumer.

I am requesting the CFPB to require DRB-40 , LLC to : Provide full legal validation of the alleged debt, or Cease all collection activity and remove any credit reporting, and Confirm in writing that the account is closed and unenforceable. 

Attached is my sworn affidavit of dispute and demand for validation. 

This complaint is submitted under penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
On or around XX/XX/year>, I received notice from XXXX ( XXXX ) that a charged-off credit card account was sold to Jefferson Capital Systems , LLC. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I immediately disputed the alleged debt and requested full validation, including the original signed agreement, a breakdown of the {$500.00} balance, and proof of legal assignment. 

To date, Jefferson Capital has failed to provide any of the documentation required by law. Despite this, they have continued to pursue collection activity and/or report the account to consumer reporting agencies. This is a direct violation of the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ), which prohibits furnishing or collecting unverifiable or inaccurate data. 

I am requesting that the CFPB require Jefferson Capital to : Cease all collection and credit reporting activity until the debt is properly validated. 

Provide full documentation verifying that the debt is accurate, collectible, and lawfully assigned. 

Delete any reported information from my credit file if the debt can not be validated in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and I'm demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX -Date open XX/XX/XXXX {$1000.00} XXXX XXXX Date open XX/XX/XXXX - {$1500.00}, XXXX XXXX XXXXXXXX Open XXXX {$670.00}, XXXX XXXX XXXX Date XXXX XXXX {$1100.00}, fraudulent inquiries off of my report XXXX XXXX XXXX XXXXXX/XX/XXXX The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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