vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
RE : Account # Notice of Dispute, Demand for Debt Validation, Notice of FDCPA & WA XXXX XXXX XXXX Violations by Genesis & XXXX To Whom It May Concern : I am writing regarding a {$16000.00} alleged debt for residential rent that Genesis Credit Management is attempting to collect and has reported to credit bureaus. This debt originated with XXXX XXXX XXXX XXXX XXXX XXXX and is not legally owed. 1. I dispute this debt in its entirety. The underlying lease with XXXX was lawfully terminated due to disability under RCW 59.18.200 and RCW 59.18.575. Under Washington law, landlords have a duty to mitigate damages. XXXX failed to re-rent the unit or mitigate and is attempting to charge me for the full remaining lease term, which is illegal. XXXX placed this invalid debt with Genesis for collection. 2. Demand for Debt Validation under 15 U.S.C. 1692g Pursuant to the Fair Debt Collection Practices Act, I demand that Genesis provide validation, including : a ) Documentation proving I am the person responsible for the debt ; b ) The original signed lease agreement with XXXX and itemized ledger showing how {$16000.00} is calculated ; c ) Proof that Genesis and Greystar are legally authorized to collect this debt in Washington State ; d ) Proof the debt is not barred by RCW 59.18.200, RCW 59.18.575, and Greystars duty to mitigate damages. 3. Notice of Violations Cease Collection Immediately Until Genesis provides validation, you must cease all collection activity per 15 U.S.C. 1692g ( b ). This includes calls, letters, and credit reporting. Further, Genesis representatives have violated the FDCPA and RCW 19.16.250 : - On XXXX XXXX, a Genesis representative stated on a legally recorded call that filing a dispute would be worthless and I had no legal leg to stand on, violating 15 U.S.C. 1692e and RCW 19.16.250 ( 8 ). - On XX/XX/year> supervisor XXXX XXXX stated on a legally recorded call that he could not give me a timeframe for response and demanded additional proof before acting, while continuing collection, violating 15 U.S.C. 1692g ( b ). Greystar violated RCW 19.16.250 and the FDCPA by placing a debt for collection that it knew or should have known was not legally owed due to disability termination and failure to mitigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year>, {$20.00} was taken from my Cash App account by XXXX XXXX XXXX without my authorization. I did not make this purchase, so I filed a dispute through Cash App to report the unauthorized transaction. After I submitted the dispute, the merchant contacted me directly by email acknowledging the issue and stating that they would issue a full refund if I canceled the dispute. Their message stated : Hi there, We saw that a dispute was filed on your recent {$20.00} USD charge If youre able to cancel the dispute and let us know, well process your full refund straight away. Based on this, I contacted Cash App support and requested to cancel the dispute. Cash App confirmed they would close the dispute and instructed me to wait for the refund. I was told : Got itthanks for the update. Since the merchant will refund you, heres what to do next : Well close your dispute for the {$20.00} XXXX XXXX XXXX charge from XX/XX/year>. Watch your Activity for the refund. Merchant refunds can take up to 10 business days to reach Cash App. If 10 business days pass and you still dont see it, come back and we will help with next steps. I followed these instructions exactly and relied on both the merchants and Cash Apps statements. Shortly after the dispute was canceled, my Cash App account was suddenly deactivated without warning. I did not engage in any fraudulent activity. The only recent activity on my account was reporting an unauthorized charge and then canceling the dispute as instructed. I appealed the account closure and requested a specific explanation of what Terms of Service I allegedly violated. Cash App only responded with a generic message stating I violated their Terms of Service, without identifying any specific activity or providing any evidence. As of now, I have not received the {$20.00} refund, and I have not been told where the refund was sent. Cash App has failed to provide transparency, failed to explain the alleged violation, and failed to ensure I received the funds taken from my account. I believe my account was unfairly and improperly deactivated in connection with my dispute of an unauthorized transaction, even though I followed all instructions given to me in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am filing this emergency complaint against Freedom Mortgage regarding extreme operational negligence and a total lack of communication that is actively threatening my upcoming loan closing and locked interest rate. Freedom Mortgage currently services my primary mortgage and is processing my home equity loan. My closing date is scheduled for XXXX XXXX XXXXXX/XX/XXXX, and my rate lock expires on XX/XX/XXXX. Despite meeting every deadline, my loan processor has neglected my file, and it has not even been submitted to underwriting. The loan ADVISOR says the delay was due to complex regulations regarding my manufactured home property. However, I have already successfully submitted 100 % of the required documentation, including : The structural engineer foundation certification The XXXX XXXX label ( s ) doublewide The elevation cert The 3rd party home appraisal There are zero outstanding documents or actions required on my part. The delay is entirely due to internal operational bottlenecks and a lack of response from Freedom Mortgage. I am facing severe financial harm if this delay causes me to miss my XX/XX/XXXX closing or forces my XX/XX/XXXX rate lock to expire. There is no reason that this has not already been turned over to underwriting

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
USAA Federal Savings Bank has implemented a policy where they are withdrawing the funds for online bill pay transaction a day to a week before the payment is to be made. This is an interest bearing checking account. For direct transfer of funds, the money is withdrawn a day before the transfer is made. For transactions where a check is sent to the merchant, the money can be withdrawn from my account up to a week before the merchant is receive the check. Which means USAA has removed funds from being eligible for interest before the merchant actually cashes the check. I contacted USAA to understand how they are able to do this - take my money from me, take the interest away from me before the actual payment was made and all I was told was " that's how bill pay works ''.

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 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Sometime around mid XX/XX/year> I received a collection notice reference # XXXX from ALDOUS & Associates a Utah based law firm acting on behalf of Powerhouse Gym. I responded to the collection notice on XX/XX/year>, disputing the charge and asking for documentation verifying the debt. I instructed ALDOUS & Associates to cease collection efforts and refrain from submitting any negative reports to credit agencies until they provided the requested documents. To date I have not received any documentation, follow up phone call, email, or letter from ALDOUS & Associates. On XX/XX/year> I received an email alert that there had been a change in my credit score. A review of my XXXX XXXX credit report shows an update, reported in XX/XX/year>, from ALDOUS & Associates indicating a collection action on the debt that they have failed to provide the requested verification documentation. This action taken by ALDOUS & Associates has adversely affected my credit rating, lowing my credit score by 93 points. I believe that the action taken by ALDOUS & Associates violates New Jersey consumer protection laws as well as the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XX/XX/year>, I sent Midland Credit Management a formal written Debt Validation Request under FDCPA 809 ( b ) regarding the collection account they are reporting with a balance of {$1000.00}. In that letter, I disputed the debt in its entirety and requested full validation, including : Original signed contract bearing my signature, Full chain of custody from the original creditor to Midland, Proof of ownership of the alleged debt, Itemized accounting of the alleged balance, Proof of assignment or purchase agreement, Proof that Midland is licensed to collect in XXXX, Name and address of the original creditor, Date of last payment, Date the debt allegedly became delinquent. Under FDCPA 809 ( b ), Midland was required to cease all collection activity and cease credit reporting until they provided proper validation. Despite this, Midland never responded to my validation request and did not provide any of the required documentation. Instead of validating the debt, Midland continued to furnish the account to the credit bureaus. My XX/XX/year>, XXXX XXXX credit report shows that XXXX is still reporting the account with a balance of {$1000.00}, marked as derogatory, and listed as a collection account. For example, the report shows : High Balance : {$1000.00} Balance Owed : {$1000.00} Account Rating : Derogatory Payment Status : Collection/Chargeoff Additionally, XXXX issued XXXX dispute update on XX/XX/year>, stating that the Midland account has not been changed and will remain on your credit report. This confirms that Midland continued reporting the account after receiving my debt validation request and without providing validation. Midland has therefore : 1. Failed to provide any debt validation, 2. Continued collection activity by furnishing information to XXXX XXXX XXXX XXXX 3. Continued reporting a disputed, unvalidated debt, 4. Failed to respond to my written request, 5. Caused ongoing harm to my credit profile, as the account continues to appear as a derogatory collection. These actions violate FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), which require a furnisher to report a debt as disputed and to stop collection activity until validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a text message from someone I genuinely believed to be a colleague, asking me to purchase XXXX gift cards for a surprise party they were organizing. On XX/XX/XXXX, I went to a XXXX XXXX store and purchased two XXXX gift cardsone for {$450.00} and another for {$250.00}. Immediately after the purchase, I felt uneasy. When I attempted to reply to the message, it suddenly disappeared from my phone, and I realized I had likely been targeted by a phishing scam. I contacted XXXX XXXX customer service right away, but they informed me that, as a thirdparty retailer, they are only responsible for selling the gift cards and could not assist further. They advised me to contact my bank. I promptly reached out to XXXX XXXX XXXX, and the bank issued me a new card. At that time, I believed the fraudulent charges would be refunded. However, when I checked the status on XX/XX/year>, I discovered that the {$450.00} and {$250.00} charges had not been resolved and had instead been transferred to my new credit card account. The bank continues to request supporting documentation, but the only items I possess are the original purchase receipts and the physical, unused gift cards. Given these circumstances, I would greatly appreciate guidance on whether I should file a police report and submit a complaint to the Consumer Financial Protection Bureau ( CFPB ) at this stage. As a loyal XXXX XXXX XXXX customer, I sincerely request your active cooperation in resolving this matter. I hope to maintain my trust in your company, and I respectfully ask for your assistance in helping me reach a fair 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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : Inadequate Regulation E Investigation Unauthorized EFT Dispute I am filing a complaint regarding Fifth Third Bank and its handling of my Regulation E unauthorized transaction dispute. XXXX unauthorized transactions occurred on the same day, at the same merchant, and as part of the same fraudulent event. The bank reversed one transaction as fraud but denied the second transaction for {$35.00} at XXXX XXXX XXXX dated XX/XX/year>. The banks denial letter contains only the statement : Our research confirms that the transaction was valid. The bank failed to provide any meaningful explanation or factual basis for its determination and failed to explain why one same-day transaction was considered fraudulent while the other was treated as authorized. I requested a proper explanation and supporting documentation relied upon in the investigation, including authorization records and merchant documentation. I believe the bank failed to conduct a reasonable Regulation E investigation and issued a conclusory denial unsupported by sufficient explanation. I request : * a proper reinvestigation, * production of all documents relied upon, * and reimbursement of the unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: GA

Complaint narrative:
Company : National Credit Systems Issue : Incorrect information on credit report I am disputing a collection account reported by National Credit Systems in the amount of approximately {$6500.00} related to a former apartment lease. I participated in the Georgia Rental Assistance program administered through the Georgia XXXX XXXX XXXXXXXX XXXX ( XXXX ). The program approved rental assistance for my account, and XXXX records show rental assistance payments associated with my tenancy. I also possess written correspondence from the landlords Associate General Counsel stating : XXXX XXXX XXXX is withdrawing the application for XXXX XXXX and Please do not send any assistance to XXXX XXXX XXXX as it will be returned back to XXXX. This correspondence demonstrates that the landlord directed Georgia Rental Assistance not to send assistance payments and that any assistance sent would be returned. Despite the availability of rental assistance, the balance was later reported as an unpaid debt and placed with National Credit Systems. I disputed this account with Experian and supplied supporting documentation, including Georgia Rental Assistance records and the written correspondence from the landlords legal representative. The account was nevertheless verified. I am requesting that National Credit Systems conduct a reasonable investigation and provide documentation supporting the validity of this debt in light of the rental assistance records and the landlords written instructions rejecting assistance. If the debt can not be substantiated as accurate, I request that it be removed from my credit reporting records. I am attaching copies of the Georgia Rental Assistance records, the landlords written correspondence, and the Experian dispute results for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I had four unauthorized charges posted to my account from a company called XXXX. I called Venmo and told them I did not authorize these charges and they were unfamiliar to me. I contacted XXXX who stated they could only refund 1 charge as the others were from a " partner company '' whom they would not give information about but directed me to contact my bank. I contacted Venmo immediatly, they cancelled my debit card and opened up three disputes and issued me a new debit card. Although 1 unauthorized payment was willfully refunded by XXXX, Venmo denied/refused to return my money for the unauthorized charges. Furthermore, when I tried to use the new debit card Venmo issued, it was blocked by Venmo saying it was a security risk. I again called Venmo and asked why I am not able to access my money but was treated rudely, hung up on by managers and simply told they did not have an answer. This went on for about 8 phone calls for hours! Venmo refused to allow me access to my money. I called again and an agent again told me it was a security risk and I had to send her a copy of my identification, and a picture of me holding my identification which I did. I made two transactions then my debit card denied again and after several more phone calls I was told there was nothing they could do. I informed Venmo that I was trapped with no access to my money and could not get home. Venmo was unconcerned. As I sit here today, I had to spend overnight outside and can not eat because I have no access to my money. I am a 58yr old diabetic and this is causing me major problems. Venmo refuses to give me a reason for not letting me have access to my money but I suspect they are doing something illegal as they are essentially getting an intrest free loan. It is not clear to me how many customers they do this this to but according to one of their manager I spoke to she stated " You have been a Venmo customer for a long time and you should be use to this ''. They may have been doing this for profit for a very long time. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
timeline regarding claim number XXXX. I have disputed this charge to Bank of America XX/XX/XXXX and twice in XXXX where they keep denying my dispute. B.O.A has requested the exact date that I " cancelled '' services, I never hired this merchant ; therefore, I could not legally cancel services.The merchant, Trust Counsel, was retained strictly by my uncle, XXXX XXXX. The retainer agreement was signed solely by him, and all invoices were generated and addressed directly to him. I never signed a contract, never agreed to be financially liable, and never authorized XXXX XXXX to charge my card for drafting fees or hourly work. Under the Fair Credit Billing Act ( FCBA ), this charge constitutes a billing error and an unauthorized merchant charge.OFFICIAL TIMELINE OF EVENTS : XX/XX/XXXX Payment Deposit of {$1800.00} : A payment was processed on my card strictly to cover verbal court/government filing fees. No contract, fee schedule, or drafting terms were ever disclosed to me.XXXX XXXX XXXXXXXX Alleged Start of Work : The date XXXX XXXX claims they began document drafting work. This work was entirely unauthorized by me, and no additional fees were disclosed.XXXX XXXX, XXXX Retroactive Invoice Date : XXXX XXXX generated an after-the-fact invoice backdating charges to XX/XX/XXXX. This invoice was addressed to XXXX XXXX, not me. No prior invoice or billing authorization existed.XXXX XXXX, XXXX Official Memorandum Date : XXXX XXXX issued a formal memorandum stating they were unable to file the case. This memorandum was explicitly addressed to my uncle, XXXX XXXX, legally ending their involvement and explicitly stated that any communication through phone calls and emails were not charged to me XXXX XXXX XXXX there for the deposit I authorized. I DID NOT authorize applying my funds to any invoice for services or any work to be done except to open probate which was not done

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 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Momnt Technologies, Inc.
State: WA

Complaint narrative:
We used Momnt for temporary financing of a heating system. We authorized a payment of {$20000.00} on XX/XX/year>, but our account was charged $ XXXX the approved amount. We contacted the company immediately to have this corrected. On XX/XX/XXXX, ticket ID # XXXX was created. As of XX/XX/XXXX, there has been no update or progress on resolving this issue. This overcharge is now negatively impacting our credit score. We are requesting urgent assistance to correct the billing error and update our credit reporting accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
This account is not mine. I requested verification and all documents used to verify ownership on my last dispute with ChexSystems, but i didn't receive it. Since they can not provide competent evidence, I am asking that they delete this item according to FCRA 1681e ( b ), 1681i ( a ), and 1681s-2. It is affecting my relationships with other banks all because someone else negligence and fraudulant ways.

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