vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 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: CA

Complaint narrative:
I am submitting this complaint regarding a debt collection matter related to a former apartment lease at XXXX XXXX. I moved out of XXXX XXXX approximately two years ago. At the time of move-out, the management informed me that there would be cleaning-related charges exceeding {$1000.00}. When I questioned the amount and requested clarification, the only explanation I received was a screenshot of paint from XXXX XXXX, which did not provide a detailed or itemized breakdown of the charges. The apartment used an online rent payment platform. After moving out, I saw in the system that my entire security deposit had already been deducted. However, I never received any formal itemized statement explaining how my security deposit was applied or whether any balance remained. After I vacated the apartment, I did not receive any additional communication from the apartment management regarding outstanding charges. I did not receive any invoices, receipts, or itemized statements explaining additional costs. Approximately two years later, I unexpectedly received a notice from a debt collection agency, Columbia Debt Recovery LLC, stating that I owed {$400.00} related to the apartment. This was the first time I had ever been informed that any balance remained. Because I was concerned that collection activity might negatively impact my credit record, and because this was my first time encountering such a situation, I felt pressured to make the payment to avoid potential damage to my credit. However, I still have not received any documentation validating this debt, including an itemized statement, receipts, or records explaining how the charges were calculated or why they were not disclosed at the time of move-out. I am requesting that the company provide documentation validating these charges and explain why I was not notified of any outstanding balance at the time of move-out but instead received a collection notice two years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: NJ

Complaint narrative:
Firstsource Advantage , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fax : ( XXXX ) XXXX Reference : XXXX Claim # : XXXX To Whom It May Concern, This letter serves as a formal complaint and notice of dispute regarding a collection letter I received concerning an alleged debt related to a GoDaddy account. This alleged debt is completely disputed. The account referenced in your correspondence was terminated approximately XXXX years ago. There is no valid contract, agreement, or legal relationship between Firstsource Advantage , LLC and either myself or XXXX XXXX XXXX XXXX that would authorize your company to attempt to collect any funds. Your claim appears to be without legal basis. More troubling is the fact that your company attempted to debit a bank account without authorization. Any attempt to withdraw funds from a bank account without clear authorization raises serious legal concerns and may violate federal and state consumer protection laws governing electronic funds transfers and debt collection practices. I demand an immediate written explanation for this attempted debit, including the authority under which your company attempted to access or debit the account. You are hereby instructed to cease and desist immediately from all collection activities related to this alleged debt, including letters, phone calls, electronic communications, or any other form of contact regarding this matter. Be advised that this situation is being treated as a formal consumer protection complaint. Documentation of your letter and this correspondence is being prepared for submission to the following regulatory and enforcement agencies for investigation into your companys practices : Consumer Financial Protection Bureau Federal Trade Commission Better Business Bureau New XXXX Office of the Attorney General XXXX XXXX XXXX XXXX XXXX A hard copy of this complaint is also being sent to your office at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, and to the XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX for review. If your company continues to pursue collection on this disputed and invalid claim, or fails to provide an immediate explanation regarding the attempted unauthorized debit, all available legal and regulatory remedies will be pursued to ensure that these actions are fully investigated and addressed. XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have filed several complaints the reps have failed to open a new investigation the new rep XXXX XXXX XXXX they can't and won't review evidence that proves i did not receive my deposits even tho the machine show a command to return funds the hardware failed so that mean the components stopped working how is it possible for the machine to return bills it shows it already accepted on top of another deposit I made. They have shown no effort to remedy my claim this is a violation of my rights according to regulation E the bank must view evidence that proves my claim. The atms cassettes and internal pathways must be checked there are plenty place the money could have been place without showing an overage

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 2026-03-11 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
onsumer Financial Protection Bureau Subject : Complaint Against PayPal Failure to Refund Fraudulent Transaction I am filing a formal complaint against PayPal regarding their refusal to refund {$1500.00} that I paid to an individual who fraudulently represented himself as a New York State attorney. On XX/XX/year>, I hired an individual named XXXX XXXX after he represented to me that he was a New York attorney who could prepare legal paperwork and file a case in court on my behalf. Based on that representation, I signed a retainer agreement and paid {$1500.00} through PayPal. The signed retainer agreement and email communications clearly state that the service being purchased was legal representation, including the preparation of legal documents and the filing of a case as my attorney. I later discovered that XXXX XXXX is not a New York State attorney and is not licensed to practice law in New York. Because he was not an attorney, he could not legally represent me or file the case as agreed. This means the contract could never be legally completed and the payment was obtained through fraud and misrepresentation. I provided PayPal with the retainer agreement and emails clearly showing that I hired this individual under the belief that he was a licensed attorney. Despite this evidence, PayPal has denied my dispute multiple times and has refused to apply their Buyer Protection policy. PayPal continues to allow this individual to operate on their platform after being informed that he is falsely presenting himself as a New York attorney. PayPals refusal to investigate this fraud properly and refund my payment has left me without recourse and has allowed this fraudulent activity to continue on their platform. I am requesting that PayPal be required to refund the {$1500.00} and that this matter be investigated as a fraudulent transaction involving misrepresentation and impersonation of a licensed attorney. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/year>, I paid {$2100.00} via XXXX XXXX XXXX XXXX to a seller for a Riftbound collectible card ( 'XXXX XXXXXXXX XXXX ) in a XXXX Marketplace group . The item was never shipped or deliveredno tracking provided. Seller claimed funds were withheld, issued a partial refund of {$1400.00} on the same day, and asked to resend the {$1400.00} to a different business XXXX account. When I requested a full refund, seller said 'sure file a claim. ' I filed an Item Not Received claim with XXXX ( Case ID : XXXX ) on XX/XX/year>, but it was denied as 'not covered under Purchase Protection, ' misclassified as resale intent. This was a personal collection purchasemy XXXX activity shows XXXX % + as purchases, with inflows only from friends ( non-G & S ). Request review and full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
My recent paycheck came into my savings account and it was removed because of my charge off I spoke to them prior to this about my card. They told me that once it was sold that I will have a balance and then we could organize a payment schedule from that like nobody told me that my funds will be directly taken out and I definitely didnt think that because Ive had XXXX or XXXX checks go in there. I couldve easily had the money going to a different bank. I never intended on not paying a debt and then for to wake up and have all my funds taken out of my account, I thought that was extremely excessive, especially considering that I communicated and I was trying to resolve the issue. Now I dont have money for food and necessities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
: Missing Business Payment of {$1600.00} Refusal to Investigate Valid Trace ID Date : XX/XX/year> Financial Institutions : XXXX XXXX Bank ( Sender ) & American Express ( Receiver ) Statement of Facts : Transaction Details : A payment of {$1600.00} was initiated for my American Express business account. The funds officially cleared my XXXX XXXX Bank account on XX/XX/year>. Bank Confirmation : My bank XXXX at XXXX XXXX Bank has confirmed the funds were successfully transmitted via the XXXX network. Evidence Provided : I have provided American Express with the XXXX ACH Trace ID and a Transaction Number, which are the unique identifiers for this electronic transfer. XXXX XXXX : American Express refuses to accept these standard identifiers, demanding a " XXXX XXXX. '' My bank has stated that no such form exists beyond the XXXX ID already provided. Financial Impact : As of today, the {$1600.00} remains missing. Amex has not credited my account, causing potential late fees and business credit risks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
My account ending in XXXX has been over limit for quite sometime, at this point, I do not know if account closed or open, due to status of account and length thereof. If account has a restriction which will not be lifted, I then request account closed

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Date : XX/XX/year>XXXX Jefferson Capital Systems, XXXX XXXX XXXX XXXX, MN XXXX Account XXXX To Whom It May Concern, I am writing in response to your alleged account referenced above. I dispute the validity of this debt in its entirety. This letter constitutes a formal request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to 15 U.S.C. 1692g and 15 U.S.C. 1692c ( c ). Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activities until you provide proper validation of the alleged debt. Please provide the following documentation : 1. The name and address of the original creditor. 2. The original account number associated with the alleged debt. 3. A complete accounting of the alleged balance, including principal, interest, fees, and charges. 4. A copy of the original signed contract, agreement, or instrument bearing my signature that created the obligation. 5. Documentation proving Jefferson Capital Systems , LLC has legal standing to collect this debt, including a complete chain of assignment or purchase agreement from the original creditor. 6. The date of the alleged default and the date of last payment. 7. Documentation verifying the alleged debt is within the applicable statute of limitations. 8. Proof that your company is licensed or authorized to collect debts in my state, if such licensing is required. Additionally, if you are reporting or have reported this account to any consumer reporting agency, you must ensure that such reporting complies with the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681s-2. Reporting information that is inaccurate, incomplete, or can not be verified is a violation of federal law. If you can not provide the requested validation, you must immediately : Cease all collection activity Remove any reporting of this account from all consumer reporting agencies Confirm in writing that the account has been closed and collection efforts terminated Furthermore, pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to cease communication with me regarding this alleged debt except for the following purposes : 1. To provide the requested validation and documentation 2. To notify me that collection efforts are being terminated 3. To notify me of specific legal remedies you intend to pursue Any attempt to collect this debt without providing the requested validation, or continued reporting of an unverified debt to credit reporting agencies, may constitute violations of the FDCPA and FCRA. Such violations will be documented and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. All future correspondence must be made in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi good morning. Almost a year ago, I submitted a transaction disputewith one of my Capital One credit cards. Ever since then, the Capital One Merchant Offers section of my account has been completely disabled ( both on the app and the website ). ( For example, where you usually get 10 % cash back on XXXX and things like that ). I have spoken to over 2 dozen Capital One customer service representatives and no one has been able to fix the issue. I would like to escalate this. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I paid for but did not receive contracted services in full. I only received a portion of them. Vendor is only offering a XXXX % discount but i requested the value of the missing services. Citi will not respond

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 2026-03-11 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Hello, I bought a rear liftgate replacement for my vehicle on XXXX with my credit card on XX/XX/XXXX for {$1400.00} The litigate arrived damaged with broken glass. The seller refused to make it right wanting me to send the item back when i could not physically send it back. Due to broken glass and needing to be crated. So i filed a dispute on my card. XXXX was going to give me my money back but then the credit card stepped in and XXXX told me i couldnt get my money back through them then. Later my credit card denied my dispute even though i should be protected by the fair credit bill act so i filed an appeal which also was denied today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding a dispute with Bank of America about unauthorized transactions totaling {$560.00} associated with XXXX. I did not authorize, approve, or knowingly make these transactions. I do not recognize these charges and I do not know who used my card information to complete them. As soon as I discovered these transactions, I reported them to the bank in good faith and requested a dispute. Bank of America initially provided a provisional credit but later reversed the credit and denied my claim. I formally requested that the claim be reopened and reinvestigated, but the bank informed me that the case is now closed. I strongly disagree with this determination. These transactions remain unauthorized from my perspective, and I am requesting a fair and thorough review of this matter. I am asking that the bank provide a full explanation of the evidence used to determine that the transactions were authorized and that my case be properly reinvestigated. I also request that the disputed funds be returned to my account if it can not be proven that I knowingly authorized these transactions. I am filing this complaint because I believe my dispute was not adequately resolved and I am seeking assistance to ensure a fair review of my claim

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 2026-03-11 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: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Help my rights are being violated,15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt-including a signed agreement, full account history, and verification of your authority to collect- you must cease all collection efforts and remove the information from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: GA

Complaint narrative:
Hello, Ive been trying to access my account with Discover Credit Card to make a payment and discuss my payment plan options. Ive called multiple times and have been told by three different members that theycant access my account because I am unable to access the old number and email on file. My phone associated with the account broke and Ive since had a new number. My email is associated either with that lost number and has been replaced as well. Even though I have my social security number, address, DOB and other personal information, no can seem to get to the account. Not only that but they dont give any direction on how to move forward with the situation. I would like this company permanently removed from my credit report as I cant make payments, view my account, or discuss with employee members.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year> I booked a flight to XXXX, FL via XXXX XXXX with four tickets. The total was {$760.00}. On XX/XX/year> I had to cancel the flight. I reached out to XXXX by phone. I am told by XXXX that they will not reimburse my account for the cancelation, and only apply the credits to the passengers that the tickets were purchased for. I am purchaser of all four tickets. Two of the four tickets were purchased for minors. I am seeking full reimbursement for all four tickets that I purchased. I also filed a formal complaint to XXXX with case # XXXX. I have not received a response.

Company response to consumer: Closed with explanation