vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I am filing a formal complaint regarding the conduct of a specific representative named XXXX at Columbia Debt Recovery LLC DBA Genesis. I contacted the company to discuss an apartment related debt and to communicate my intent to make a payment. During the call, I clearly explained that I did not have the funds available that day but would be receiving income on Friday and planned to make a payment at that time. During this conversation, the representative identified as XXXX became increasingly disrespectful, displayed an unprofessional attitude, and began arguing with me instead of assisting me. His tone was inappropriate and made the interaction uncomfortable and stressful. When I requested to speak with another representative or a supervisor, my request was not handled properly, and the situation did not improve. I am making a goodfaith effort to resolve this debt, and I expect to be treated with professionalism and respect. I am requesting that this incident be reviewed, that appropriate action be taken regarding this employees conduct, and that my account be handled respectfully moving forward. I would also prefer that future communication be conducted in writing to avoid further issues

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have an American Express gift card for {$500.00} that was gifted to me. I tried using the card for the first time on I believe XXXX XX/XX/XXXX2026 and it was denied by the retailer. I called the number listed on the card for customer service and was told that the funds hand been turned over to the state in which the card was purchased for lack of use. I live in Massachusetts and am fairly sure the card was purchased here.I do not know when the card was purchased but the valid thru date is XX/XX/XXXX. I contacted the Massachusetts agency XXXX and was told that I needed to get confirmation from American Express that the funds had been escheated to the state. After being shuffled around to several contacts at American Express I was not able to make any progress toward getting proof of escheatment of these funds or recovering these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I am writing to file a formal dispute regarding a medical debt in the amount of {$90.00} that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate, incomplete, or unverifiable. I am requesting that the Consumer Financial Protection Bureau investigate this matter. Details of the Debt Amount : {$250.00} Type : Medical Collection Reporting Agency : ( XXXX XXXX and/or XXXX list those showing the debt ) Collection Agency ( if listed ) : Medical Commercial Audit 1 Reason for Dispute I believe this medical collection is inaccurate and/or improperly reported, and I am requesting a full investigation. Medical billing is often subject to errors, insurance delays, and inaccuracies, and federal consumerprotection guidance recognizes the high error rate in medical debt reporting and the importance of ensuring accuracy. Additionally, the nationwide credit bureaus have removed many categories of medical debtsuch as paid debts and medical collections under $ XXXX credit reports as part of industrywide reforms to reduce reporting of erroneous medical bills. Given these widely documented issues, I am requesting validation and verification of the following : That the debt is accurate and correctly billed. That the amount is correct and reflects all insurance adjustments. That the debt meets all current reporting requirements under federal law and creditbureau policies. That the furnisher has properly investigated my dispute in compliance with the FCRA. Requested XXXX If the furnisher or credit bureau can not fully validate and substantiate this medical debt, I am requesting its immediate removal from my credit report. Please provide written confirmation of the results of your investigation, along with any documentation used to verify the validity of this debt. Thank you for your attention to this matter. I appreciate your help ensuring the accuracy of my consumer credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: OH

Complaint narrative:
I am filing a complaint against Zip ( QuadPay ) regarding order XXXX. I used Zip to make a purchase through XXXX XXXX, but I never received the item. I opened a dispute based on non-delivery. Zip denied my dispute without properly investigating the order. I never reported this transaction as a scam, however Zip incorrectly categorized it as a scam-related case and used a one-time courtesy refund from a completely separate order in XXXX ( order XXXX ) to deny my current claim. This is a different transaction in XXXX with a different merchant, and it should have been reviewed independently based on non-delivery. Instead, Zip relied on an unrelated past case and refused to issue a refund. Additionally, Zip referenced and refunded an XXXX order that I never contacted them about, while denying the actual order I disputed. This raises concerns that my case was not properly reviewed. I am being required to pay for an item that I never received, without a proper investigation. I am requesting a full review of this dispute and a refund for order XXXX based on non-delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Failure to Process a XXXX IRA Correction Request. I made an excess XXXX Contribution for XXXX and requested a recharacterization to a Traditional IRA ( which I opened at XXXX specifically for this ). This recharacterization requires a broker calculation of XXXX XXXX XXXX ( XXXX ) under IRS rules. Despite multiple requests, the assigned investment XXXX " XXXX XXXX - XXXX # XXXX '' failed to act or respond for over XXXX days. This is a time sensitive request, with financial repercussions with the upcoming XX/XX/XXXX Tax deadline. Despite multiple requests, this " XXXX '' has failed to act, respond, or escalate accordingly. After this communication and mentioning of a XXXX XXXX complaint, XXXX has ceased all communication and has been unable to provide any update or resolution. This is a time-sensitive request tied to published IRS deadlines XXXX The failure to process exposes me to IRS penalties, incorrect reporting, and prevents me from completing a compliant XXXX XXXX IRA conversion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Express Recovery Services, Inc.
State: FL

Complaint narrative:
Account Details : Account Name : EXPRESS RECOVERY SER Account Number : XXXX Original Creditor : XXXX XXXX XXXX # XXXX Account Name : EXPRESS RECOVERY SER Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Issue Summary : I am writing to file a complaint regarding XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ). I have disputed the above-referenced accounts multiple times, informing XXXX that these accounts are fraudulent and are the result of identity theft. Despite my disputes, XXXX has refused to remove these items from my credit report. In contrast, I disputed the same accounts with XXXX and XXXX. Both of those credit reporting agencies conducted a reasonable investigation and subsequently removed the accounts from my credit reports. XXXX has failed to conduct a proper investigation. They have not provided me with any proof of ownership or verification of the debt, nor have they removed the accounts, despite my clear assertion that they are products of identity theft. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), XXXX is required to conduct a reasonable investigation. Their failure to do so, especially when the other two major bureaus have determined the accounts to be invalid, constitutes a violation of federal law. I am requesting that the CFPB compel XXXX to immediately remove these fraudulent accounts from my credit report and provide me with documentation of their investigation methods.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear I paid off the dept on XXXX XXXX the dept collecter agency sent me my paid off letter.When the agency contacted me I called check N go to verify if they actually working for them, they provided me the name and the phone number. I Worked with the agency and made a payment plan and they offer me a settlement to resolve the matter faster, I accept the debt was {$3700.00} the settlement is for {$2400.00} XXXX I paid the settlement and they sent me my paid off letter Last week a company call XXXX XXXX XXXX XXXX locate at XXXX XXXX XXXX XXXX XXXX, FL XXXX TEL ( XXXX ) XXXX Called me trating to pay them {$2000.00} if XXXX n't pay them they will take me to court they said the dept is from XXXX XXXX XXXX when I called XXXX XXXX XXXX told me the account been sold to the same company I knew of I called them they talked me my dept was paid off XXXX years ago but those people at the XXXX XXXX XXXX XXXX kept treating me Ineed some help to find the true and some light pleasse

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
Validation of Debt Request - HELVEY & ASSOCIATES XXXX XXXX XXXX - XXXX * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
It was fraudulent account I never owned the card .my ex opened it and I found it during divorce.i

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 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I have been reaching out to your team for XXXX weeks now. Please call me or email me as soon as possible. I would have loved to resolve this with robinhood directly, but Ive tried emailing, texting, and the call back function and have not been able to reach a human. Its truly unbelievable. There are XXXX issues XXXX trying to resolve. I called to book a hotel through this ( XXXX ) XXXX. Its a third party booking agency for the pontchartrain hotel. Their agent told me the hotel cost {$250.00} and then mistakenly charged me {$900.00} for a XXXX night stay. I instantly got the notification while on the phone with him and let him know. He acknowledged his mistake and put me on hold to fix his mistake. After a brief hold he simply hung up on me and never reached back out. I spent XXXX hours calling their agents to get this resolved until I was finally able to get an email confirmation that it had been canceled. They tried various times to charge me for it since it is non refundable. I declined of course, because I never consented to that payment. After this, I got a text from the hotel to check me in! They never canceled it. I tried ( to exhaustion ) in good faith to cancel through them, but after realizing they werent going to I disputed the charge through robinhood. Id love to be able to speak to someone at robinhood to confirm its been blocked as {$900.00} is a big charge. I have not been able to reach anyone in XXXX XXXXays, have sent various texts, emails, and even their callback function. Secondly, I initiated a {$4700.00} credit card payment on XX/XX/XXXX, before my due date. It bounced due to a bank account mix-up on my end. I meant to pay it out of my XXXX funds and it came out of my XXXX that didn't have enough money in it. Once I realized I did that I then moved my money to my XXXX from my XXXX.. well now I'm realizing my bank account is going to bounce the payment and my XXXX money is otw to XXXX XXXX XXXX. Is there any way you could block this withdrawal and just use that money to pay for my CC. That is what I initially meant to do. That's why those amounts match up. Feel free to call me to discuss. Funds came in XX/XX/XXXX. I want to make sure this isnt reported as a late payment and request any late fee be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Solar Mosaic LLC
State: OH

Complaint narrative:
I filed XXXX XXXX bankruptcy and received a discharge. My solar loan with Solar Mosaic LLC was included and XXXX. There is an active XXXX financing statement filed in Ohio ( XXXX No. XXXX ) against my property. I have sent written requests and certified letters requesting that Solar Mosaic LLC file a XXXX termination to release this lien. The certified letter was delivered on XX/XX/year>. I have received no response. I am requesting that Solar Mosaic LLC immediately file a XXXX termination to release the XXXX, as my personal liability has been XXXX and I am not reaffirming the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: VA

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS 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 CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing a complaint regarding a dispute claim that has been mishandled and excessively delayed. I initially filed a dispute with my Chime bank, and the claim was wrongfully closed due to an internal error. The bank later acknowledged this issue and reopened the claim. Since then, it has been nearly XX/XX/XXXX days, and I have submitted all requested documentation promptly and in full. Despite my compliance, I have not received a final resolution, a clear update on the status, or any provisional credit during this extended review period. This delay is causing financial hardship and appears to be a failure to properly handle the dispute in a timely manner. I am requesting : - Immediate review and resolution of my claim - Clear communication regarding the outcome - Any provisional credit I may be entitled to due to the delay I believe my claim is not being handled in accordance with required timelines for dispute investigations. I am seeking assistance in ensuring that my case is properly reviewed and resolved. Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
In early XXXX I requested the following info from American Credit Acceptance but did not receive a response : XXXX. Notification before Disposition of Collateral ; XXXX. Timeliness of Notification before Disposition of Collateral ; XXXX. Contents and Forms of Notification before Disposition of Collateral ; XXXX. Explanation of Calculation of Surplus or Deficiency ; XXXX. Copy of the Retail Installment Sales Contract ; XXXX. Account Payment History

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: NC

Complaint narrative:
Upon discovery I see that XXXX XXXX is reporting an alleged debt onto my credit report without an active debt collector license required by the NC XXXX XXXX XXXXXXXX to operate/collect in the state of North Carolina which is a XXXX XXXX XXXX pursuant to NCGS Chapter 58/Article 70. I am demanding that XXXX XXXX cease all communication & collection activity immediately.

Company response to consumer: Closed with non-monetary relief