vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX XXXX in the amount of {$1100.00}. 
On or about XX/XX/XXXX, I formally disputed this debt and requested written validation from the collector. The company acknowledged my dispute by email and stated that the account was placed on hold while they awaited documentation. 
Nearly a month has passed, and the collector has not provided any validation or documentation to support the debt. 
Despite failing to validate the debt, the company continues to report the account on my XXXX  and XXXX  credit reports. 
Additionally, the account appears to have been illegally re-aged. The collection account shows an opened date of XX/XX/XXXX, which does not reflect the original Date of First Delinquency from the original creditor. This improperly extends how long the debt may remain on my credit report and is prohibited under the Fair Credit Reporting Act.

The continued reporting of an unverified debt and the alteration of delinquency dates constitute violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

I am requesting permanent deletion of this account from all consumer reporting agencies and that all collection and reporting activity cease immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Payday America Inc.
State: MN

Complaint narrative:
Your financial institution has posted a collection against me on each credit bureau. I do not believe that there is any legal collection that could be posted against me personally. However, I request a letter stating the facts pertaining to the charge-off collection, and a contact person and phone number to reach a representative that can help me resolve the matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX using a credit collection agency that is harassing me. I've contacted them numerous times to try to resolve this issue. As soon as I called, years after the incident, they send me a bill for over {$700.00} which has turned into {$1400.00} magically. I provided them with XXXX different insurance companies who were willing to cover the bill at the time of the service rendered. The XXXX service and collection agency have failed numerous times to follow the law. 

The collection agency is American Adjustment Bureau , Inc., with their office based out of XXXX XXXX. It's a common theme for them to try to illegally collect paid for medical debts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I am submitting this complaint against Credence Resource Management for knowingly furnishing inaccurate, unverified, and fraudulently misattributed collection information to consumer reporting agencies in violation of federal law. 
I am the consumer and natural person associated with my consumer report. The legal name and identity reflected on my government-issued identification is XXXX XXXX XXXX The collection account being reported by Credence Resource Management does not belong to me and is the result of a mixed file and identity misattribution. The consumer name under which this account is being reported does not correspond to my legal identity. 
I have no contractual relationship, no liability, and no authorization associated with this alleged account. I never applied for, agreed to, or authorized any credit, collection activity, assignment, or permissible access to my consumer report by Credence Resource Management. 
Despite receiving proper notice and government-issued identification, Credence Resource Management has failed and refused to produce any admissible proof of liability, including but not limited to a signed contract, application, instrument, or document. Credence Resource Management continued reporting of this misattributed account violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ) 15 U.S.C. 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) 15 U.S.C. 1681s-2 ( b ) ( failure to investigate and correct after notice ) This conduct has caused actual harm, including damage to my credit profile, denial of credit opportunities, and emotional distress, and constitutes knowing and willful noncompliance once notice was provided. 
I am demanding immediate deletion of this misattributed account from all consumer reporting agencies, written confirmation of correction, and cessation of any further furnishing related to this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank ( issuer of PayPal Credit / PayPal Mastercard ) reduced my credit line based on an adverse action explanation that is inaccurate and unsupported by the credit bureau data it relied upon. Synchrony stated the credit line reduction was based in part on delinquency and internal scoring tied to PayPal and/or Venmo activity. However, the TransUnion credit report used by Synchrony shows the account as current and in good standing, with 100 % on-time payment history, XXXX late payments ( XXXX ), and no derogatory information. There is no delinquency. The adverse action explanation also references Venmo activity, which I do not use, and PayPal Pay in XXXX metrics, despite all XXXX in XXXX installment loans being paid in full. Additionally, Synchrony cites average difference between payment and minimum payment due, which penalizes consumers for paying the required amount rather than paying above the minimum. Paying as agreed is not delinquency. As a result of the unsupported credit line reduction, my utilization increased and my credit score declined. I made numerous lump sump payments around the same amount to other creditors which caused my score to increase. After PayPal decreased my limit my credit score decreased. This harm was caused by XXXX action, not consumer nonpayment. I am submitting this complaint to document unfair or misleading credit practices and for immediate assistance in resolving the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding the improper reporting and attempted collection of a disputed and unverified debt. 

On XX/XX/year>, I submitted a written dispute to the collection agency regarding an alleged {$140.00} debt associated with my former apartment residence, The XXXX at XXXX XXXX. The dispute requested full debt validation and clearly contested the accuracy and legal basis of the balance. 

Despite receiving my dispute, the collection agency reported the account to the credit bureaus without first providing verification of the debt. To date, no validation or documentation has been provided to substantiate the alleged balance. 

The only move-out statement issued by the apartment complex shows charges solely for utilities, and those utilities were confirmed as paid by the propertys XXXX XXXX XXXX in written correspondence. There are no itemized charges, invoices, inspection reports, photographs, or documentation supporting any alleged cleaning, painting, or repair charges. As such, the debt being reported is inaccurate and unsupported. 

Reporting a debt after receiving a written dispute, without first validating the debt, constitutes collection activity and violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Additionally, furnishing unverified and inaccurate information to consumer reporting agencies violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

This account was reported after my dispute was submitted and without proper verification, causing harm to my credit profile. If the account was reported as disputed, it was still reported without substantiation ; if it was not marked as disputed, that constitutes an additional violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I have charges to XXXX XXXX and XXXX XXXX that were sent out to 2 separate collection agencies. I notified both companies that I did not authorize the use of my card for those charges. My debit card was used for a few months to make payments to midland credit collections, however that card was closed by me because that card was used in fraud charges. I didnt authorize those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It May Concern, This letter constitutes formal and final notice that you are to immediately cease and desist all communication with me regarding the alleged debt you claim I owe. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ) and the California Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788 et seq. ), I am exercising my legal right to demand that all contact stop effective immediately. This demand applies to all forms of communication, including but not limited to phone calls, text messages, emails, letters, voicemails, and contact with any third party.

I formally dispute this alleged debt in its entirety. Until you provide proper, written validation as required by law, you are prohibited from continuing any collection activity.

You are hereby instructed that your only permissible responses are : 1. Written confirmation that you will comply with this demand ; or 2. Written notice of specific legal action you intend to pursue.

Any further communication outside of these narrow exceptions will be considered knowing and willful violations of federal and California law. Such violations will be documented and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals Office, and may result in civil action against your organization.

This correspondence does not constitute an acknowledgment of any debt, nor consent to contact, nor authorization to continue collection activity.

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MoneyLion Inc.
State: MN

Complaint narrative:
Your financial institution has posted a collection against me on each credit bureau. I do not believe that there is any legal collection that could be posted against me personally. However, I request a letter stating the facts pertaining to the charge-off collection, and a contact person and phone number to reach a representative that can help me resolve the matter. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Sunbit, Inc.
State: IL

Complaint narrative:
Sunbit through XXXX XXXX  approved a credit card with an initial credit limit of {$2300.00}. The card was received but I was unable to activate the card, however, was able to download it via online. 

The card was reported to the three credit bureaus and closed immediately.

Sunbit advised that they could not give any reason for closing the account, but they would send a written explanation. Numerous calls were made, verbal questions were asked and were answered. They never sent anything in writing, nor gave a verbal explanation.

One lady said that an explanation was emailed to me, so I asked her to resend the email to me via email, and she put me on hold, came back to the phone and then stated that she's sorry it was not emailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To Whom It May Concern, This letter constitutes formal and final notice that you are to immediately cease and desist all communication with me regarding the alleged debt you claim I owe.

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ) and the California XXXX Fair Debt Collection Practices Act ( California Civil Code 1788 et seq. ), I am exercising my legal right to demand that all contact stop effective immediately. This demand applies to all forms of communication, including but not limited to phone calls, text messages, emails, letters, voicemails, and contact with any third party.

I formally dispute this alleged debt in its entirety. Until you provide proper, written validation as required by law, you are prohibited from continuing any collection activity.

You are hereby instructed that your only permissible responses are : 1. Written confirmation that you will comply with this demand ; or 2. Written notice of specific legal action you intend to pursue.

Any further communication outside of these narrow exceptions will be considered knowing and willful violations of federal and California law. Such violations will be documented and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals Office, and may result in civil action against your organization.

This correspondence does not constitute an acknowledgment of any debt, nor consent to contact, nor authorization to continue collection activity. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
I disputed a collection matter with XXXX collection agency. I explained to them that I do not owe them anything. They call me and talk very ruled and disrespectful. I latter call to parent company and asked for the supervisor. They transferred me to the collection manager name XXXX. He listen to my complaint and them begin the same tactics as the previous person. I told him to note there account on me not to comtact me moving forward. He told me to file a police report and press charges against my son. He never asked me any questions regarding this account they have. He treated me like I was guilty of some major crime. I basically told him the conversation, we are having is not going anywhere so lets just end the call. His last words to me, that he will make sure ( threathing ) that I will never get credit until I pay a debt that I dont feel is mind. He, tells me that he will be setting up there system to report a debt of {$130.00} to all three credit bureals twice a month. This is collection tactics they tell consumers they would use against them like a punishment. I am a Disable Veteran who has the right to dispute any thing that I dont agree with as well as any of citizen of this country. The evidence they provide is inconclusive and do not conincide with my past and present residence status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I opened a credit card with Avant but never received statements electronically or otherwise. I have documented at least a dozen times in the last XXXX or XXXX months to inform them that their app was not working and I can't get my information. Multiple times, I requested access to my account information and only once, I was allowed to do so, but only after setting up a new password which is not sustainable. I began paying blindly over the phone. Each time I called them, I told them that I couldn't access my account information. Tonight, I tried again. Even after multiple attempts to ask for a manager, it never happened. I had to listen to my phone call being put on speaker phone with a group of girls giggling in the background while they listened in. I have made many efforts to try to work this out with total frustration and lots of disrespect. I requested an audit of my account as I am sure they are charging me right and left without my knowledge with all kinds of punitive charges. This is abusive. I may not be wealthy but I pay my bills. At the same time, I am sure I am paying things I shouldn't. I want my money back for the gratuitous fees and at this point, I believe I owe nothing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
We left the apartment complex and was told since it was taken in a month and they took our deposit the debt wouldnt effect my credit, 5 months later the sold my info to a credit debt collection and the representative said if we didnt pay that the way Ive and immigration customs had been going around the country me and me husband could be deported if not pay off the debt we dont own. First off me and my husband are XXXX XXXX  Im XXXX XXXX so this was out of line and I need those removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: FL

Complaint narrative:
I disputed a {$140.00} charge from a towing company based on improper service, misrepresentation, and coercive payment practices. Although the vehicle was towed from private property, the dispute was not about the legality of the tow itself, but about how the service was carried out and billed. 

I was not informed of or did not agree to a 10-minute grace period prior to the tow. At the time of vehicle release, I was falsely told that I was not listed on the vehicle registration and was coerced on scene to pay {$400.00} in cash under that false claim. I was later directed by the towing company to the wrong location to resolve the issue, waited over an hour in a dark and unsafe parking lot, and was then told by another individual that I had been sent to the wrong place.

I submitted a signed written statement to Capital One explaining that the service was not rendered as agreed due to misrepresentation and coercion. Capital One declined to review these claims and closed the dispute, stating that the matter was outside the scope of credit card disputes and directing me to legal recourse instead. Capital One did not meaningfully investigate the coercive payment or misrepresentation aspects of the dispute and treated it as a cancellation or towing legality issue rather than unfair or misleading billing.

I am requesting that Capital One be required to provide a written explanation for refusing to investigate these claims and to reconsider the dispute under the appropriate billing dispute standards.

Company response to consumer: Closed with explanation