vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MA

Complaint narrative:
I moved out of XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. Upon move-out, the property management applied a {$550.00} charge for " XXXX XXXX, '' resulting in an alleged remaining balance of {$420.00} after deducting my {$120.00} security deposit. I disputed this underlying charge because the baseboards were already in a heavily degraded and aged condition when I first moved in on XX/XX/XXXX, which constitutes a pre-existing condition and normal wear-and-tear. Recently, this unverified debt was reported to my credit profile as a collection account. To exercise my rights under the FDCPA, I formally sent a Debt Validation Letter to the collection agency. In response, they provided a copy of the lease and a " Final Account Statement '' issued by the landlord. However, this response is legally insufficient and fails to properly verify the debt. The landlord 's own statement explicitly notes, " See the itemized charges for a complete listing of the work. '' Yet, no such itemized charges, contractor invoices, material receipts, or labor breakdowns were ever provided by the landlord or the collection agency. They are attempting to collect a arbitrary lump-sum of {$420.00} with XXXX financial transparency. Furthermore, I have timestamped move-in photographs proving that the cosmetic condition of the baseboards existed at the very beginning of my tenancy, as documented by photographs taken on XX/XX/XXXX, just days after my move-in. The collection agency has failed to provide sufficient information to validate the actual components and legitimacy of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Mercury Financial Intermediate LLC
State: PA

Complaint narrative:
I received a letter in the mail on XX/XX/XXXX stating they are increasing the interest rate to 36 %, charging a {$99.00} dollar a year service fee and a {$3.00} a month processing fee. I called them on XX/XX/XXXX to dispute. All they would do is offer {$50.00} for me to keep the card active or close the account which will effect my credit score. I chose to close the account. How is this not predatory? I just updated my income within a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I switched insurance and this caused a XXXX in XX/XX/year>. I purchased new insurance with XXXX and paid in full for the year XXXX Wells Fargo sent me an XXXX XXXX XXXX XXXXXXXX dollars I sent them the policy and payment for homeowners ' insurance that I paid. They have increased my mortgage payment saying they are billing me for past insurance, when the past is the past and they want to charge me the new esccorw for 12 months before they will review it again. When I changed and there was XXXX month lapse, they get XXXX, not XXXX This is stealing money from me. They are stealing XXXX dollars

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 2026-05-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
Believe to be company with XXXX XXXX I had them as a cell service provider, at which point decided to end service with them they locked my phone so where I could not take my phone with new service provider after the phone was paid for on recorded line. Then was asked if I owe anything else like a bill wise due a possible new billing cycle. Rep for T- mobile stated on a recorded line that I only had the line open only a few days after last billing cycle and stated that I didn't not need to pay it due to it wasn't a full billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OR

Complaint narrative:
Im writing to file a complaint against Jefferson Capital LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: CA

Complaint narrative:
Subject : Request for Debt Validation To Whom It May Concern : I am responding to your recent communication regarding the alleged debt which you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. I dispute this debt and request that you provide competent evidence that I have a legal obligation to pay. Please provide the following information : XXXX. The name and address of the original creditor ; XXXX. The amount of the alleged debt, including an itemization of any interest, fees, or other charges ; XXXX. Copies of any documents bearing my signature showing I agreed to assume the debt ; XXXX. Proof that your agency is authorized to collect in my state ; XXXX. Proof that the debt is within the applicable statute of limitations ; and XXXX. Documentation showing your legal authority to collect this debt if it has been assigned or sold. Until you provide proper validation of this debt, you must cease all collection activities and reporting related to this account as required by federal law. If you can not provide the requested documentation, I request that this matter be closed immediately and that any negative credit reporting associated with this account be removed. This letter is not an acknowledgment or acceptance of liability for the alleged debt, nor is it permission to contact me except in writing regarding the requested validation. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
Recently, I experienced an issue with my bank account following a wrongful termination settlement related to XXXX discrimination from my former employer. At the time, the account had a negative balance, so I transferred funds from my crypto account into my checking account while waiting for the settlement check to be deposited. That transfer was completed approximately a week and a half ago. The bank is now claiming that my account had no activity within the last XXXX days, which is inaccurate. In addition to the XXXX XXXX, the account was also actively receiving direct deposits from XXXX, even if the amount was small. My settlement check from XXXX is scheduled to be deposited tomorrow, yet the bank chose to close my account the day before while falsely claiming there had been no recent activity. As a result of their actions and misinformation, the deposit of a significant settlement payment has now been delayed. At this point, I am considering taking legal action due to the financial hardship and complications their actions have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/year> XXXX5 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-05-21 00:00:00
Product: Credit card — Store credit 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: Colony Brands, Inc.
State: MD

Complaint narrative:
I am filing a formal complaint against Colony Brands XXXX XXXX for unfair billing practices, systemic computational errors within their consumer portals, technical blocks preventing account management, and unlawful, coercive debt collection tactics. Despite documenting and executing timely payments in complete good faith, the creditor 's digital infrastructure reflects severe data discrepancies, contradictory account flags, and a total system lockout ( HTTP Error XXXX ) that actively bars me from managing my accounts. Furthermore, corporate representatives have explicitly refused to process normal payments unless a separate, time-barred account from approximately 15 years ago is satisfied first. Exhaustive, chronologically organized proof of these systemic and regulatory violations is attached in the accompanying XXXX master packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: OK

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: CARS Acquisition, LLC
State: FL

Complaint narrative:
Vehicle loan originally defaulted during a financial hardship i later contacted dealer to pay off the debt via settlement agreement with a pay to delete when settlement received, Settlement was paid title was recieved I now own the vehicle legally with documents showing agreement was reached and met except for the pay to delete from credit report attempted to contact company about it they claim it never happened and that I tried to dispute, which I did after paying off my debt via agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was a victim of a scam on XX/XX/year> at XXXX XXXX It started with me trying to sell some clothes on a website called XXXX, which asked me to verify my information so that I could get paid for the clothes I was selling. I thought I was verifying my account with XXXX at this website, which was displayed prominently on XXXXXXXX XXXX XXXX XXXXXXXX When I opened that link, a XXXX told me that I could enter my XXXX information to get paid by XXXX through my XXXX account. The scammer texted me a link from this phone number XXXX XXXX. Almost immediately, I saw that {$500.00} had been charged to my XXXX account and paid to XXXX I realized at this point I was being scammed. Somehow, the scammer had taken control of my XXXX account, without my authorization, and sent {$500.00} from my account to XXXX Still using my XXXX account without my authorization, the scammer tried three more transactions ( {$500.00}, {$220.00} and {$110.00} ) from my account, which XXXX declined. This shows me that the scammer was able to breach XXXX XXXX security on the first attempt, and then XXXX had the ability to stop the scammer on three subsequent attempts. When I saw the transactions in my email, I immediately deleted my XXXX account and called XXXX XXXX to prevent any money from being withdrawn from my bank account. As you can see from the evidence below, this was obviously a scam. Again, I never authorized any payments to XXXX Instead, the scammer did so after taking control of my XXXX account without my consent. I am hoping that you can determine the IP address used to extract this money that was not authorized by me. I view this as a security breach of XXXX app. The scammer took control of my XXXX account without me knowing and apparently did so by only having my XXXX XXXX code and phone number. I have reported this to the FBIs Internet Crime Complaint Center. My submission ID for this complaint is : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 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: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland credit kept sending emails after I response to them to not contact me and proceeded to continue threatening for several years. Midland has three accounts XXXX one for XXXX and one for XXXX. I was in an XXXX relationship and was financially XXXX and I had no control over any accounts. As I didnt even open these account there were fraudulent from my XXXX XXXX that I am now XXXX from. These have been removed and placed back on my credit several times now. With very inconsistent reporting causing damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I am submitting this complaint regarding Barclays failure to block new purchases on a credit card that had already been locked using the card security lock feature. The authorized user card ending in XXXX was locked on or around XX/XX/year> through the Barclays/JetBlue mobile application. The application specifically states that locking the card will block all new purchases and cash advances for this card only. Despite the card being locked prior to the transactions, the following charges were still approved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were not recurring subscriptions, credits, refunds, or account adjustments. These appear to have been new one-time transactions. My complaint is not primarily with the merchant. XXXX could only proceed because Barclays approved the transactions. My concern is that Barclays approved new purchases on a card that had already been locked through its own security feature. I relied on the lock feature as a means of preventing unauthorized use. The language presented in the application clearly states that new purchases would be blocked. I immediately contacted Barclays to dispute the charges and reported the issue. I also closed/replaced the compromised card to prevent any additional activity. During the process, I was provided escalation and claim numbers ; however, upon follow-up I was initially informed there was allegedly no dispute on file and had to reopen the dispute process. I have now received notification that the investigation was completed and that Barclays declined to issue a permanent credit. I am extremely disappointed that I was not protected despite using the lock feature specifically for security purposes. Additionally, I paid the balance associated with these charges in order to protect my credit standing while this matter was being reviewed. I am requesting : XXXX. Reconsideration of the denied dispute XXXX. A written explanation as to how these new purchases were approved while the card was locked XXXX Review of the effectiveness and representation of the card lock security feature XXXX. Appropriate reimbursement or correction relating to the unauthorized approved charges I have retained screenshots showing : * the card locked status, * the disputed charges, * and the completed investigation results.

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good Day, I am here to make a complaint against Chase Jp Morgan. XX/XX/year> my account was given a {$34.00} XXXX fee that was refunded on XXXX XXXX XXXX XXXXXX/XX/XXXX my account was given XXXX overdrawn fees in total each at {$34.00}. XX/XX/year> my account again was hit with XXXX overdrawn fees each at {$34.00}. On XX/XX/year> I was refunded only XXXX due to chases policy on receiving the maximum for the year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: VA

Complaint narrative:
On XX/XX/year>, I submitted an Income-Based Repayment Plan recertification application that was approved and processed on XX/XX/year>XXXX for a monthly payment amount of XXXX. On XX/XX/year>, I received a notice that my payment schedule and amount was changed to XXXX due on XX/XX/year>XXXX justification. I never requested any additional changes to my repayment plan. This change will cause an undue hardship on my financial situation and I am unable to make those payments. I fully qualify and provided all the documentation on my initial application that was approved on XX/XX/year>XXXX so I do not understand why the change.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Good day, I am formally disputing a collection account that is unverified and does not belong to me. I have been subjected to repeated collection attempts, harassment, and threats regarding a debt I neither authorized nor owe. This conduct is unacceptable and a violation of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX I closed out a XXXX XXXX from XXXX XXXX XXXX XXXX XXXXXXXX and was given a cashier 's check for the amount. I went to Bank of America in XXXX, XXXX to deposit that check into my checking account. I was told by the teller and also confirmed by the banker, XXXX XXXX, that the funds would be available the next day. When I got home a few hours later I saw an email from Bank of America saying they were putting a hold on the deposited check for 10 days, without any details. I went back to the bank and they could not explain with any degree of logic as to why this was happening, and they refused to return my check. They also could not explain why they were not crediting my account for at least {$5500.00} which is required by the OCC regulations when depositing a large cashier 's check in person. So now Bank of America is holding my XXXX XXXX to what ever whims they have or decide to have and I am left out in the cold with no access to my monies and unable to pay the bills I expected to pay with those monies. There is no way this can be legal, fair, or right. Please help.

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 monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
I dont not know this company or accumulate any debit from them I also let the credit bureau about this situation

Company response to consumer: Closed with non-monetary relief