vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
Jefferson Capital Systems , LLC RE : Cease and Desist / Notice of Dispute / Opportunity to Cure Account Number : [ XXXX ] To Whom It May Concern : This letter serves as formal notice that I dispute the alleged debt referenced above and demand that Jefferson Capital Systems , LLC immediately cease and desist all collection communications and collection activity regarding this matter except as required by law. Further, before any continued reporting, collection, transfer, or enforcement activity may occur, you must provide competent documentary evidence establishing all of the following : 1. Proof that Jefferson Capital Systems , LLC has the legal right to collect on the alleged debt ; 2. Proof that Jefferson Capital Systems , LLC legally owns the alleged debt ; 3. Complete documentation establishing that the chain of assignment has not been broken from the original creditor to the present holder ; 4. Copies of all assignments, bills of sale, transfer agreements, and purchase agreements related to this alleged account ; 5. Verification bearing my signature showing I contractually agreed to the alleged obligation ; 6. The complete accounting and payment history for the account ; 7. The name and address of the original creditor and all subsequent owners of the account ; 8. The specific method of verification used to validate the account ; and 9. Copies of all ACDV ( Automated Consumer Dispute Verification ) records, e-OSCAR communications, and any information furnished to any consumer reporting agency concerning this account. You are hereby provided an opportunity to cure any inaccurate, incomplete, misleading, or unverifiable reporting associated with this alleged debt. If you can not fully substantiate your claims with competent evidence, you must immediately cease collection activity and delete all related tradelines and reporting from all consumer reporting agencies. Be advised that any continued collection efforts, reporting of inaccurate information, or failure to properly investigate disputed information may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This correspondence is not an acknowledgment, admission, or acceptance of liability for the alleged debt. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XX/XX/2026 XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number : # XXXX Dear XXXX XXXX XXXX, Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entireties, and you are required to provide me with validation of the debt by providing me with all of the following information : A copy of the original signed contract. Itemized statements of monies owed, including interest. A copy of bill showing last default date XXXX that debt is valid and collectible and within the statue of limitations for Nevada. Proof that you are licensed to collect in Nevada. Until this information is provided, you must cease all collection activity and cease reporting this account to any consumer reporting agency. If the debt can not be properly validated, you must immediately request deletion of the trade-line from all credit reporting agencies to avoid continued reporting of inaccurate or unverified information under the Fair Credit Reporting Act XXXX and the FDCPA XXXX. All future communication regarding this matter must be in writing. I am allowing you XXXX days to produce this information. If you are unable to validate this account, then you are to remove it from all of my credit reports. Sincerely, 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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: MD

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I purchased a marriage coaching session package from XXXX XXXX on XX/XX/year>. The selling strategy was high-pressure for {$5000.00}. Within less than 24 hours and after not using the service, I requested to cancel on XX/XX/year> because I did more research and there are many negative reviews. I reached out to cancel the service, and the company refused to cancel. I then reached out to affirm to dispute the charge, twice, and affirm sided with the merchant both times. I have not used the service, nor have I even been provided access to the service I purchased ( likely because I disputed the transaction ). It is now XX/XX/year> nearly 2 weeks since purchase and the " product '' I purchased was never delivered. I am only asking for a refund of what I did not use, and will not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of contract fraud and predatory reporting by Lobel Financial XXXX. In XX/XX/XXXX, a loan was established using a placeholder SSN ( XXXX ), a fraudulent residency address, and a government ID lacking an expiration date. I negotiated and paid a {$3000.00} down payment for a XXXX XXXX XXXX ( XXXX ), but the lender is reporting a charge-off for a XXXX XXXX XXXX. Furthermore, the reporting in XXXX shows a " Recent Balance '' of {$30000.00}, which exceeds the original loan amount of {$27000.00}. This balance is a mathematical impossibility as it ignores my {$3000.00} down payment and the asset repossession. Despite my previous disputes ( noted in XXXX ), the company has failed to correct these blatant errors. I request the immediate deletion of this unverified and fraudulent trade line.The account continues to be reported in a manner that appears to refresh or re-age the derogatory status monthly, causing ongoing damage to my consumer credit profile. If the furnisher is inaccurately updating the account in a way that misrepresents the true delinquency timeline or charge-off status, such conduct may constitute improper re-aging and unfair credit reporting practices prohibited under federal law.I previously disputed these inaccuracies directly with the furnisher. Despite receiving notice of the disputes, the furnisher failed to conduct a reasonable investigation as required under : * 15 U.S.C. 1681s-2 ( b ) * and related provisions of the Fair Credit Reporting Act. To date, the inaccurate and disputed information continues to be reported without adequate validation or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Victim : XXXX XXXX XXXX Purpose : Fraudulent Accounts Reported Without Authorization I am reporting that the following accounts were opened, used, and/or reported under my personal information without my authorization, consent, or knowledge. I dispute responsibility for these accounts and affirm that I am a victim of identity theft. These accounts are currently causing severe damage to my consumer credit reports and financial standing. THD/CBNA The Home Depot / Citibank Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$11000.00} Status : Collection / Charge-Off Reported as fraudulent and unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX / XXXX ending XXXX XXXX XXXX XXXX XXXX Reported Balance : {$13000.00} Status : Collection / Charge-Off Reported as fraudulent and unauthorized. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$6600.00} Status : Collection / Charge-Off Reported as fraudulent and unauthorized. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$8000.00} Status : Collection / Charge-Off Reported as fraudulent and unauthorized. XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$7400.00} Status : Collection / Charge-Off Reported as fraudulent and unauthorized. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX / XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$28000.00} Status : Collection / Charge-Off Reported as fraudulent and unauthorized. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$720.00} Status : Collection / Charge-Off Reported as fraudulent and unauthorized. XXXX XXXX XXXX XXXX Citibank Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$8100.00} Status : Collection / Charge-Off Reported as fraudulent and unauthorized. I affirm under penalty of perjury that I did not authorize, open, use, benefit from, or consent to the above accounts and transactions. I request a full identity theft investigation and immediate blocking of these accounts pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2.

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 non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing a rental collection account being reported and/or collected by National Credit Systems XXXX I do not believe the alleged debt has been properly validated, verified, or accurately reported under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The company has continued reporting and attempting to collect the alleged debt despite my dispute and requests for validation. I requested documentation supporting the legal obligation for the debt, including competent evidence bearing my signature and a full accounting of the amount being claimed, but the company has failed to provide sufficient validation. The continued reporting of disputed and unverifiable information has negatively affected my credit profile and housing opportunities. I also requested that the company cease collection activity and provide written confirmation that no balance is owed if the debt can not be properly validated. I am requesting that National Credit Systems : * Immediately cease collection activity ; * Conduct a proper investigation; * Delete the account from all consumer reporting agencies if the debt can not be validated ; * Correct any inaccurate reporting ; and * Provide written confirmation regarding the status of the account. I have attached supporting documentation related to my dispute and correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX transfers were done without my knowledge by an unauthorized person one being performed at the actual time I was presently using the app. I informed Wellsfargo immediately and had the account frozen. Upon their investigation they determined the transactions were not fraudulent somehow which is incorrect. I asked for a letter to describe which methods they used to determine the denial and was informed I would receive it.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AE

Complaint narrative:
Im currently XXXX XXXX military and American Express will not apply the Military lending act on my credit card. I have applied multiple times including sent my XXXX XXXX orders. The company says Im not eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery This company continues to harass me and calling contacting me at odd hours and calling during my work shift Under 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), you are legally protected from harassing, inconvenient, and unauthorized communications from debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc.
State: AK

Complaint narrative:
This company refuses to return my debt to the original creditor despite my written requests, and they failed to remove negative marks from my credit report. When I asked for validation of the debt, they did not provide proof that they are the legal owners of the account. Instead of providing documentation, they are demanding a settlement of over {$10000.00} for a non-use fee related to my timeshare. This demand is ridiculous, and I have no interest in dealing with them further under these conditions. They have a responsibility to comply with my requests for validation and to return the file to the creditor so I can resolve it directly. I need your assistance in holding them accountable to federal debt collection standards. Their lack of transparency has caused a great deal of stress and harm to my credit score. I look forward to your help in ensuring they respect my rights and provide the necessary proof of their claims or relinquish the disputed debt back to the original creditor. Sincerely, 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 2026-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I paid off my auto loan with Ally Financial on XX/XX/year>. Since then, I have not received the title, and the XXXX remains on the vehicle. Ally told me multiple times they mailed a lien release letter to XXXX different addresses, but I never received any letter at any of the addresses. I later learned that XXXX requires XXXX releases to be submitted electronically to the XXXX XXXX XXXX. Paper letters are not accepted. Ally is responsible for submitting this electronic release, but they have failed to do so and refuse to do so. They say since the lien release has been converted to paper, they can no longer release the lien electronically. I do not understand why they would do that. I never requested for a paper lien release. Every single time I call their customer service and explain my issue, they default to sending a XXXX release letter that never arrives. It has been over XXXX months since my payoff date. I no longer live in XXXX, but the XXXX is still active, and I can not clear the title. I have contacted Ally repeatedly with no resolution. I am in the process of a move and I need to sell my vehicle. I planned on selling it months ago and have been stuck in limbo with ally.

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 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal has unilaterally frozen my account, each time under a different pretext Since they do not let me use the account, I have requested closure of the account, numerous times, and they keep lying and refusing to do so regardless of their excuses, I do not want to have a Paypal account anymore PayPal should not force consumer to have accounts against their will After numerous request via phone and chat systems, and Paypal 's disingenuous and stalling tactics, I need to ask the Government to help with this company 's abusive behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: TN

Complaint narrative:
On XX/XX/26 I made a purchase with my XXXX XXXX XXXX Credit Card through Chase Bank, from a merchant named XXXX, for {$450.00}. I purchased a pair of cowboy boots. On XX/XX/26, it said the package was delivered to my home. NO delivery photo was provided, along with a signature that was not mine. I immediately reached out to the merchant, and went back and fourth with them for a month trying to resolve this. The merchant stopped responding to me, so I went to my bank to file a dispute. The bank immediately sided with the merchant, and declared the package stolen ( the package was not stolen nor is there proof of that happening ). Chase refuses to look into this dispute and says they are siding with the merchant, although I have provided all neccessary proof to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief