vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CT

Complaint narrative:
I am submitting this complaint because Aldous & Associates is reporting a collection account that is inaccurate, unverifiable, and not properly validated. This alleged collection account is only appearing on my XXXX credit report and does not appear on other credit bureaus. This inconsistency raises serious concerns regarding the accuracy and validity of the reporting. I previously requested validation of this debt, and the company failed to provide any of the required documentation, including : Original creditor information Signed agreement or contract Complete account history Proof of legal authority to collect or report Despite failing to validate the debt, Aldous & Associates continues reporting this account, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Reporting an account that can not be validated and is not consistently reported across all credit bureaus does not meet the requirement of maximum possible accuracy. I am requesting : Immediate deletion of this collection account from XXXX Full written validation of the alleged debt Proof of authority to report this account If Aldous & Associates can not fully validate this account, it must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Original creditorCOMENITY BANK Balance {$800.00} Balance updatedXXXX XXXX, XXXX Original creditorCOMENITY CAPITAL BANK Balance {$650.00} Balance updatedXXXX XXXX XXXX Original creditorXXXX XXXX XXXX XXXX. Balance {$960.00} Balance updatedXXXX XXXXXXXX XXXX Original creditorXXXX XXXX Balance {$1200.00} Balance updatedXXXX XXXX, XXXX These accounts are not mines and i never opened these accounts with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: DC

Complaint narrative:
I request the original contract agreement. I received an update dated copy of a XXXX XXXX account. I requested for more clarification and received none.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have been receiving letter over the last three rears stating that my personal information has been comprised and multiple data breaches. Since then, I have had accounts appear on my credit report that don't belong to me. I have disputed these accounts several times with the credit reporting agencies, but they continue to come back as verified without a clear explanation of how they were verified. Some of the disputed items have also remained on my credit report for and extended period of time, which has a negatively affect my credit. I am requesting that the company conduct a full investigation into the disputed accounts and provide documentation showing how the information was verified. If the accounts can not be property verified, they should be removed from my credit report immediately. I would also like an explanation as to why these inaccurate items continue to reappear after multiple disputes and why the dates associated with the accounts appears to keep changing or extending

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies. I'm really worried about understanding why this account and wrong information are reported in my personal credit. I did not have a debt with this collector named CREDIT XXXX and XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation