vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
XXXX XXXX XXXX Issue Subject : Incorrect rental debt reported to credit bureaus due to landlords failure to submit approved XXXX  payment Complaint Summary : I am disputing a debt that has been placed in collections and reported to my credit by Columbia Debt Recovery ( also listed as COLUMBIA DEBT RCVY GENESIS ) in the amount of {$23000.00}. 
In XXXX, I was approved for XXXX  ( XXXX XXXX XXXX XXXX XXXX  XXXX ) in Nevada, which was designed to cover rental payments for tenants impacted by COVID-19. I submitted all required documents on time and maintained active communication with both XXXX  representatives and my property manager.

XXXX confirmed that my case was approved and that payment would be made to my landlord once they verified the rental balance. However, despite multiple emails and phone calls from both myself and the XXXX  caseworker, the property manager failed or refused to submit the final verification paperwork before the claim timeframe expired. As a result, XXXX  could not issue the payment, and I was later charged for the same rent that should have been covered by the program. 
This debt is now being reported as a collection, even though the nonpayment was due to negligence or intentional inaction by the landlord/manager, not by me. I have documentation showing : My XXXX  approval and correspondence with the XXXX  representative Emails and calls showing that I submitted all required documents on time Evidence that XXXX  attempted to contact the landlord but they did not respond Because of this, I should not be held responsible for this debt. The debt is inaccurate and unfairly reported, and it has negatively impacted my credit. 

Supporting Documents I Can Provide : XXXX  approval letter or case confirmation Email correspondence with XXXX  and the property manager Proof of timely submission of documents Copy of the credit report entry showing Columbia Debt Recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, an unauthorized card transaction in the amount of {$760.00} was withdrawn from my Chase account. I reported the transaction immediately and filed a police report ( Report Number : XXXX ) because I was a victim at the scene of a crime at the time of the withdrawal. 

Chase investigated but denied my fraud claim, stating that the transaction was most likely authorized. I appealed the decision, provided the police report number, and explained that I did not authorize or perform this transaction. Despite this, my appeal was also denied. 

I am requesting that this claim be re-investigated and that the {$760.00} be reimbursed as an unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NV

Complaint narrative:
I am filing a complaint against PNC Bank for mishandling a clear case of impostor fraud via XXXX and refusing to escalate it to their fraud department despite multiple submissions of detailed evidence. 
Transaction details : Amount : {$200.00} Date : XX/XX/year> Recipient : XXXX XXXX ( XXXX ) Payment method : XXXX via PNC Bank Reference # : XXXX What happened : On XX/XX/year>, I interacted with the verified XXXX  coach XXXX XXXX  ( XXXX followers ). Immediately afterward, I was contacted by a fake accounXXXX XXXX XXXX  ( two underscores ), using the same photo, name, and bio. Believing this was the same verified coach, I engaged with the impostor. He later moved our conversation to XXXX and introduced a supposed assistant, XXXX XXXX. 
The impostor told me to send {$200.00} through XXXX for a trading mentorship service. After I sent the money, he asked me to buy cryptocurrency and transfer it further. Thats when I realized it was fraud. I stopped communication, blocked the number, and reported it to PNC and XXXX within XXXX hours. 
Why this is fraud : This was not a voluntary or mistaken payment. It was identity impersonation fraud the scammer cloned a verified public figures account to deceive me. According to PNC XXXX Terms of Use XXXX, reimbursement is available for unauthorized transactions or transactions resulting from certain qualifying impostor scams. My situation fits that definition exactly. 
PNCs mishandling : My claim was denied three times within 24 hours each, with no review of evidence. Representatives admitted they had no record of my email or attachments being reviewed. Every time I called, I was routed to basic customer care instead of the fraud department. Even the fraud representative said, we dont handle disputes, and promised a callback that never came. 
I have filed a related complaint with the OCC ( XXXX # XXXX ) and attached the XXXX  Terms of Use highlighting the impostor scams reimbursement clause. Im submitting this to the CFPB to ensure proper investigation and accountability for PNCs failure to classify and review this case correctly. 
Supporting evidence and screenshots are included as a single PDF attachment and also the terms if service of XXXX and PNC downloaded from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
VIA CERTIFIED MAIL TO : Date : XX/XX/2025 Lockhart morris & mont FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX fl XXXX Re : Acct # XXXX To Whom It May Concern : I am sending this letter to you in response to a notice I received from you on Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say l owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say l owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

If your offices have reported invalid information to any of the three major Credit Bureaus ( XXXX, XXXX  or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
b'I am submitting to formally dispute several inaccurate, incomplete, and unverifiable items currently appearing on my credit report. Upon a thorough review of my credit file, I have identified these specific entries as being reported inaccurately or without sufficient validation, which violates the provisions of the Fair Credit Reporting Act (FCRA). The FCRA mandates that all information reported on consumer credit reports must be complete, accurate, and verifiable to protect consumers from harm caused by erroneous or misleading data. In accordance with FCRA 611 (15 U.S.C. 1681i), I am exercising my right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable. Furthermore, FCRA 607(b) (15 U.S.C. 1681e(b)) requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Additionally, under FCRA 623(a)(1)(A), furnishers of information are prohibited from reporting any data they know or should know to be inaccurate or misleading.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance\t: XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX Balance:'

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
b'I am submitting to formally dispute several inaccurate, incomplete, and unverifiable items currently appearing on my credit report. Upon a thorough review of my credit file, I have identified these specific entries as being reported inaccurately or without sufficient validation, which violates the provisions of the Fair Credit Reporting Act (FCRA). The FCRA mandates that all information reported on consumer credit reports must be complete, accurate, and verifiable to protect consumers from harm caused by erroneous or misleading data. In accordance with FCRA 611 (15 U.S.C. 1681i), I am exercising my right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable. Furthermore, FCRA 607(b) (15 U.S.C. 1681e(b)) requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Additionally, under FCRA 623(a)(1)(A), furnishers of information are prohibited from reporting any data they know or should know to be inaccurate or misleading.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance\t: XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX Balance:'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had Solar installed in my house by XXXX XXXX despite multiple request to the agent to cancel the job. The Agent from affordable Solar forged my signature in both the contract and the permit. He had the solar installed, reported to Dividend the job was completed before the cable installation was even completed.XX/XX/XXXX days later, Dividend started withdraw money from my account despite multiple phone calls plea to try to tell them the record was false, I never signed any contract, I did not have any connected Solar in my house. XXXX years and half later, no solar in my house. 
Dividend went on and withdrew XX/XX/XXXX months payments from my account and was about tostart withdrawing a higher payment amount when I put a stopped payment through my Bank. Even though I had a XXXX on the case, it has started going through litigation process, Dividend reported me as delinquent to the credit Bureau. It has been a year, my credit score plunged from Excellent to poor. I have tried to dispute with XX/XX/XXXX and was unsuccessful because Dividend provided additional negative information to them. Because my credit is impacted, it has placed a negative impact in my life, Thus, also impacted my family. 
The case is still in litigation through the court, Dividend is still reporting me delinquent every month, the only negative thing in my credit report. 

XX/XX/XXXXXXXX damaged my roof, I have fixed and repaired XXXX different leaks since they badly damaged my roof. I obtained XXXX estimates, every company told me my roof was badly damage, I need to redo it, the leak repairs are just bandages over a big wound. 
XX/XX/XXXXXXXX claimed the job was {$80000.00} then {$100000.00} ; however, Dividend charged {$100000.00} ; I tried to dispute these charges were not accurate, they did not have a signed contract for the job that supposedly installed at my house. Dividend told me in multiple occasions I needed to talk to XXXX XXXX. A XXXX from the company hang up the phone on me ; the agent kept telling me the job was not done yet, they did not get paid. 

XXXXXX/XX/XXXX and half later, I have a damaged roof I patched XXXX and still leaking. 
XXXX years later, I had no solar connected, I still pay my regular light bill, I have a XXXXXX/XX/XXXX loan attached to my house as a lien that I never signed a contract for or received service for. 
XXXX years later, I spent a lot of money in Lawyer 's fees to try to get help with this legal nightmare that impacted my life and the XXXX of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on an internet bill that does not belong to me. I have disputed this account multiple times, yet XXXX XXXX XXXX and its collection agency, Credence Resource Management, continue to report this debt and pursue collection efforts.

Approximately three years ago, I contacted XXXX XXXX XXXX because I noticed I was being billed for two accounts when I only had one account in service. After reviewing my case, XXXX XXXX XXXX determined that there was a duplicate or incorrect account being billed to my address. They confirmed the error and removed the incorrect account from their system. 

After this issue was resolved, I terminated my services with XXXX XXXX XXXX. Despite this, XXXX XXXX XXXX later sent this same incorrect bill to collections through Credence Resource Management. I have repeatedly requested validation and proof that this debt is mine, but neither XXXX XXXX XXXX nor Credence has provided any documentation verifying ownership or responsibility for the debt.

This account is now being reported to the credit bureaus, damaging my credit profile. This is not my debt, and I dispute it in full. 
The actions by XXXX XXXX XXXX and Credence Resource Management violate several consumer protection laws : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

1681i ( a ) : I have the right to dispute inaccurate information on my credit report.

1681s-2 ( a ) & ( b ) : XXXX XXXX XXXX and Credence are prohibited from furnishing information they know ( or should know ) is inaccurate. Once notified of a dispute, they must investigate and correct or delete false information within 30 days. 



XXXX XXXX XXXX and Credence failed to conduct a reasonable investigation and continue to report false information about this debt.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

1692e ( 2 ) ( A ) : Credence is falsely representing the character, amount, or legal status of a debt.

1692e ( 8 ) : They are communicating false credit information after being informed of a dispute.

1692g ( b ) : They have not provided proper debt validation as required by law before continuing collection activity.

3. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 XXXX XXXX XXXX continued attempts to collect a debt that it previously acknowledged as erroneous constitute unfair, deceptive, and abusive acts or practices ( UDAAP ) under the CFPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mandarich Law Group, LLP
State: WA

Complaint narrative:
Spring oaks had mandirich law to garnish wages they collected all the money I have explained this to the credit bureau full investigation has not been done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC
State: WA

Complaint narrative:
Spring oaks had mandirich law to garnish wages they collected all the money I have explained this to the credit bureau full investigation has not been done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting this complaint because all three major credit bureaus have failed to properly respond to multiple disputes I have made regarding inaccurate, unauthorized, and unverifiable information on my credit reports. More than 35 days have passed since my most recent dispute filing, and the bureaus continue to publish incorrect information without providing required documentation or corrective action. 

Despite specific requests, each bureau responded only with generic verified responses without supplying the legally required method of verification, in violation of 15 U.S.C. 1681i ( a ) ( 7 ). The continued reporting of erroneous information also violates 1681i ( a ) and 1681e ( b ), which mandate reasonable investigation and maximum possible accuracy. 

Disputed and Unresolved Items The following items remain inaccurate or unverifiable : Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these items have been validated despite repeated legal requests. 

Legal Violations The credit bureaus are violating several sections of the FCRA including : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy I have not been provided with : Any documentation supporting the reported information Procedures used in verification Names or contact information of furnishers who allegedly verified the items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to dispute the inaccurate reporting of my XXXX XXXX  XXXXXXXX XXXX  account on my credit report under the Fair Credit Reporting Act ( FCRA ). 

Account Name : XXXX XXXX XXXX XXXX Reported Issue : Equifax and XXXX  are reporting this account under different account numbers, which appear to reference the same account. 
XXXX  is not reporting the account at all, causing inconsistent and misleading reporting across the credit bureaus. 

This reporting violates : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

FCRA 611 15 U.S.C. 1681i ( a ) : Duty to delete unverifiable or inaccurate information. 

Because of these discrepancies, this account can not be verified with complete accuracy. I am formally requesting immediate deletion of all versions of this account from my credit reports with Equifax, XXXX XXXX XXXX 

Please complete your reinvestigation within 30 days as required by law and send written confirmation of the deletion to the address listed above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation