vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I am filing this complaint because IQ Data IXXXX is reporting an eviction-related collection account on my credit report with inconsistent, inaccurate, and unverified balances, and they have failed to provide proper validation of the debt. The balance has changed multiple times without explanation, increasing from approximately {$36000.00} to {$45000.00}, even though no new charges or activity occurred. This is causing significant financial harm and emotional distress. The original lease was in my late mothers name. I cosigned for her because she was in recovery and working to stabilize her life. Unfortunately, her XXXX returned, which caused a severe relapse and rapid decline in her health. During this time, I was traveling back and forth to care for her, unaware of the full extent of the situation until it was too late. My mother was hospitalized, and shortly afterward, she passed away. I attempted to retrieve her belongings from the apartment within the 14day window, but I was denied access. I was never given the opportunity to resolve or understand the charges. The lease and all communications were sent to my mothers email, which I can not access after her passing, so I do not have the original documents. Despite these circumstances, IQ Data XXXXXXXX has continued to report this account with changing balances, no documentation, and no clear explanation. I sent a debt validation request, but they did not provide : - A copy of the original lease - A full ledger - A breakdown of charges - Proof of assignment - Any documentation supporting the changing balance Under the Fair Credit Reporting Act ( FCRA ), a furnisher must provide accurate, complete, and verifiable information. IQ Data has failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My PayPal account was deactivated due to inactivity without prior warning or clear explanation. After the account was deactivated, I attempted to remove my linked bank account for security reasons but was unable to do so because PayPal restricts all account changes once an account is limited. I contacted PayPal customer support through their chat system and formally requested that they either remove my linked bank account or provide written confirmation that they will not initiate any future ACH debits or withdrawals from my bank account. PayPal representatives stated that due to their internal policies, they are unable to remove the bank account and did not provide clear written confirmation that no future transactions could occur. Additionally, PayPal does not provide a direct customer support email, limiting my ability to obtain formal written documentation. I was informed that the only alternative is to send a physical letter, which delays resolution and does not address the immediate security concern. I am requesting that PayPal : 1. Confirm in writing that my authorization for any ACH transactions has been revoked, and 2. Ensure that no future debits or withdrawal attempts will be made against my linked bank account, or 3. Remove my bank account from their system. This situation creates a financial security concern, as my bank account remains linked without my ability to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I opened a Bank of America XXXX XXXX credit card ( XXXX XXXX card ) approximately XXXX month ago and linked it to a business savings account at XXXX XXXX XXXX XXXX for payments. On or about XX/XX/XXXX, Bank of America initiated XXXX micro-deposits to verify the external account ( XXXX and XXXX cents ). The account was successfully verified, and I was able to begin using the credit card. When I attempted to make my first payment ( on XX/XX/XXXX, before the first payment was due ), the payment was rejected. Bank of America treated this as a returned payment due to insufficient funds. However, this is incorrect. The linked account had sufficient funds at the time, and I have documentation to prove this. Following this event : Bank of America recorded a history of returned payments on my account, despite this being the first attempted payment. Based on this incorrect information, Bank of America reduced my credit limit from {$35000.00} to {$1000.00}, which materially impacts my business operations and credit profile. Bank of America has refused to review my supporting documentation ( including account statements showing sufficient funds ). Bank of America has not successfully debited the original micro-deposit verification amounts, even after more than XXXX month. Demonstrating that there is an issue with making a debit from this account. I have contacted Bank of America XXXX XXXX over the past month and have been transferred between departments without resolution. I spoke with a XXXX in the risk department who indicated they would investigate further ; however, no follow-up or resolution has occurred in over XXXX weeks. This situation appears to be the result of an internal processing or verification error, not a failure on my part. I am requesting the following : Correction of my account to remove any record of returned or failed payments related to this incident. Restoration of my original credit limit of {$35000.00}. Confirmation that my external account is properly verified and functional for payments. Successful reconciliation of the micro-deposit verification amounts. A written explanation of what caused this error and what steps are being taken to prevent recurrence. Relevant details : Product : XXXX XXXX Credit Card XXXX XXXX XXXX ) External account : XXXX XXXX XXXX XXXX savings account Approximate date of micro-deposits : XX/XX/XXXX Approximate date of rejected payment : XX/XX/XXXX I request that all responses be provided in writing. Thank you.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliphant United, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Oliphant Financial LLC XXXX XXXX XXXX, XXXX XXXX XXXX, FL, XXXX Account Number : XXXX Your companys name is listed on my credit report as the entity that is reporting this account. I do not recall having the alleged account. Please send via mail a copy of the following : 1. Original documents/account statements that proves that I owe the alleged debt. 2. Proof of original contract bearing my signature. 3. Name, address, and phone number of the company in which you are collecting this alleged debt. 4. Proof that you are authorized to attempt to collect this alleged debt. 5. Explanation of how you calculated the alleged amount that you say I owe. Please cease and desist reporting this alleged debt until you have surrendered the required items listed above. I am sure that you are aware of the FDCPA las so I will not list. Please respond with the requested information within 30 days of receiving this certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

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 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 2026-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a medical account that was referred to collections without proper billing or validation. On or about XX/XX/year>, I contacted the provider to address the account. During that call, I was informed that no final bill had been issued. This was later confirmed by another representative the same day. On XX/XX/year>, I spoke with a representative who confirmed that a request had been submitted to Accounts Receivable to review the account and pull it back from collections due to the absence of a final bill. On XX/XX/year>, I spoke with another representative who stated that billing had in fact been sent, which directly contradicted the prior information I had received. During that call, I again explained that I had never received a final bill. I requested escalation and a callback from a supervisor. No callback was ever received despite multiple requests. Throughout this process, I repeatedly requested the following : - A complete itemized statement - Verification of all billing notices, including dates and delivery method - Clarification of why the account was referred to collections - A direct method to resolve the balance with the original provider To date, the debt remains unverified. As a result, I have been unable to verify the validity of the debt. Despite this, the account was referred to a third-party collection agency. I am willing to resolve any legitimate balance promptly. However, the provider has failed to provide basic billing documentation or consistent information regarding the account. This situation raises serious concerns about improper billing practices, lack of adequate notice, and the referral of an account to collections without proper validation. I am requesting that this account be reviewed, that full documentation be provided, and that the account be withdrawn from collections until proper validation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with fraud alerts or security freezes — 
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
The company had been hacked and now Im receiving calls from someone who had my social security number and information and Im worried they may use my information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: MA

Complaint narrative:
On XX/XX/XXXX, I made a {$2000.00} purchase from XXXX XXXX on my Capital One XXXX credit card for a XXXX XXXX XXXX XXXX XXXX The package arrived on approximately XX/XX/XXXX containing only packing paper no phone. I reported this to XXXX the same day ( XX/XX/XXXX ) with XXXX timestamped photos of the empty box. XXXX opened a support case and acknowledged the report. XXXX then took XXXX days to issue a replacement device ( XXXX created XX/XX/XXXX ). By the time the replacement arrived, I had been forced to purchase another phone due to XXXX XXXX prolonged delay. When I requested a refund and offered to return the unopened replacement, XXXX denied my request, mischaracterizing my fulfillment failure claim as " buyer 's remorse '' under their XXXX return policy a policy that governs voluntary returns, not non-deliveries. I filed a dispute with Capital One on XX/XX/XXXX. Capital One issued a temporary credit and requested supporting documentation, which I provided in full ( including thXXXX XXXX XXXX XXXX XXXXonths of email correspondence with XXXX, and XXXX 's XXXX denial ). On XX/XX/XXXX, Capital One closed my dispute citing the chargeback timeframe without addressing the merits of the case or the documentation I provided. I called Capital One the same day ( XX/XX/XXXX ) to escalate. I formally asserted my rights under the Fair Credit Billing Act, 15 U.S.C. 1666i the claims and defenses provision against the card issuer. This is a separate and distinct federal right from the XXXX billing error window under 1666. The CFPB 's Official Commentary on Regulation Z confirms that 1666i operates independently of the billing error procedure and has no equivalent time limit. Section 1666i requires the card issuer to be subject to all claims and defenses I have against the merchant when ( XXXX ) I made a good-faith attempt to resolve the dispute with the merchant, ( XXXX ) the transaction exceeds {$50.00}, and ( XXXX ) the transaction occurred within XXXX miles of my address all three conditions are satisfied here. The Capital One agent ( XXXX XXXX XXXX XXXX refused to reopen the dispute, stating only that the chargeback timeframe had expired. He did not address the FCBA 1666i claim. Capital One has refused to honor my federal claims and defenses rights and has reapplied the disputed charge to my account. I am requesting that Capital One reopen the dispute under FCBA 1666i, conduct a substantive review of the documentation I have provided, and apply the appropriate consumer protection law not just Visa chargeback rules. I have not received the merchandise I paid for, the merchant has refused to refund me, and Capital One is the only remaining party that can honor my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: TN

Complaint narrative:
am filing a complaint regarding a debt collectors failure to validate an alleged debt while continuing to report it to the credit bureaus. On XX/XX/year> ], I sent a written request for debt validation to [ Company Name ] pursuant to the Fair Debt Collection Practices Act, XXXX XXXX. XXXX. I requested sufficient information to substantiate the debt and the companys authority to collect it. To date, the company has not provided any meaningful validation. Despite this, the account continues to be reported on my credit file. This conduct is misleading and results in an unverifiable tradeline being used to assess my creditworthiness. Reporting an account without providing sufficient validation raises concerns about compliance with federal law, including : * 15 U.S.C. 1692g Failure to provide validation of the alleged debt after a written request * 15 U.S.C. 1692e Use of false, deceptive, or misleading representations in connection with the collection of a debt * 15 U.S.C. 1692f Use of unfair or unconscionable means to collect or report a debt Additionally, continued reporting of an unverified account may violate : * 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in credit reporting * 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation and report accurate results after notice of dispute I am requesting the following resolution : 1. Immediate deletion of this account from my credit reports 2. Confirmation that the account will no longer be reported 3. A written explanation of how the account was verified for reporting despite the lack of validation provided to me I have made good-faith efforts to resolve this matter directly. The continued reporting of an unverified account is causing harm to my credit profile. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my account. The reported information contains errors that do not accurately reflect my payment history. I have been a responsible payer, and the negative remarks on my account are incorrect. Under 15 U.S. Code 1666b, creditors are required to promptly correct billing errors. Additionally, under 15 U.S.C. 1681i ( 7 ), I am entitled to a full description of the reinvestigation procedure conducted regarding my dispute. As a consumer, I request to know all the steps the agency took to ensure the accuracy of the reported information before it was added to my credit report. Despite my efforts to dispute this matter directly with the reporting agency, I have not received adequate verification or resolution.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Identity Theft, Data Breach Exposure, and Request for Immediate Correction of Inaccurate Credit Information I am submitting this complaint to the Consumer Financial Protection Bureau regarding identity theft and the presence of inaccurate, unverifiable, and unauthorized information on my consumer credit profile. I recently received alerts indicating that my personal information was exposed in a data breach. After reviewing my consumer credit reports, I discovered multiple accounts, names, addresses, phone numbers, collections, late payments, and derogatory marks that I do not recognize, did not authorize, and have no knowledge of. Based on my review, I believe I am a victim of identity theft and that my consumer file has been compromised with fraudulent and inaccurate data. Specifically, my credit profile contains : Unauthorized accounts and collections not opened or approved by me Inaccurate personal identifying information ( names, addresses, phone numbers ) Late payments, charge-offs, and derogatory marks that do not belong to me Entries that are unverifiable and can not be legitimately confirmed as mine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I formally disputed a debt collection account ( Account # XXXX ) via National Credit Systems ' electronic portal, exactly as instructed on their collection notice. I have attached a screenshot of the submission confirmation which clearly displays my Account ID. The underlying debt is entirely invalid and stems from a landlord-tenant dispute involving fabricated turnover charges and a documented XXXX habitability breach ( XXXX XXXXXXXX ). Furthermore, on XX/XX/year>, I sent a written demand to the original creditor requesting the required vendor invoices to substantiate these charges per XXXX State law ( XXXX XXXXXXXX ). The creditor ignored this lawful request and instead forwarded the disputed ledger to NCS in bad faith. I have attached the email chains proving this prior active dispute. Pursuant to the FDCPA, I demanded full validation of this debt via the NCS portal. Instead of validating the debt with the requested third-party vendor invoices or pausing collection efforts as required by federal law, NCS illegally reported this disputed, unvalidated debt to the credit bureaus in willful violation of the FDCPA and the FCRA. I demand the immediate deletion of this trade line from all credit reporting agencies and a complete cessation of all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: NC

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I am filing this complaint because Global Lending Services is reporting an auto loan as a profit and loss writeoff on my credit report, even though the vehicle was stolen, and the loss was completely outside of my control. I reported the vehicle stolen immediately and filed a police report. When the vehicle was eventually located, it had already been held in an impound facility for an extended period of time. The accumulated fees were over {$3000.00}, which I could not afford to pay in order to retrieve the vehicle. I contacted Global Lending Services to notify them of the theft and the impound situation. I was told that the lienholder was not responsible for the impound fees and that no assistance would be provided. Because of this, I had no reasonable ability to recover the vehicle, despite the fact that the loss resulted from theft and not from any misuse or neglect on my part. Global Lending Services is now reporting the account as a chargeoff/profit and loss writeoff, which is inaccurate and unfair. I should not be held responsible for a vehicle that was stolen and unrecoverable due to circumstances beyond my control. The lender refused to assist, refused to retrieve their own collateral, and is now penalizing me for a situation I could not prevent.

Company response to consumer: Closed with explanation