vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: AZ

Complaint narrative:
I just received a call from Property Receivables from a person called XXXX stating that I owe a debt that I ( XXXX XXXX XXXX have been released from. My husband ( XXXX XXXX XXXX and I have sent them proof of the release and have even had the apartment complex contact Property Receivables numerous times that XXXX and I do not owe this debt and that it should just be XXXX XXXX and XXXX XXXX. The apartment complex has been working with us to get it resolved with Property Receivables on why they are constantly calling us. We filed a complaint ( XXXX ) back in XXXX and Property Receivables stopped calling for about a month and now they are calling again. We are asking them to make sure XXXX and XXXX are removed from the account and to stop calling phone number XXXX. If they do not do as follows we will seek legal counsel for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: WI

Complaint narrative:
I am disputing this debt because Aldous & Associates has failed to provide a written Validation Notice via postal mail within XXXX days of their initial contact, as required by XXXX CFR XXXX. Their only communication has been via unsolicited text messages, which do not satisfy federal validation requirements. Furthermore, I do not owe this debt as the original creditor failed to comply with state-mandated notification laws regarding security deposit deductions. I am requesting that this unverified item be removed from my credit report immediately as it is hindering a mortgage transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SG and Associates
State: CA

Complaint narrative:
today XX/XX/year> ive received multiple calls from this company Stafford Group back to back no messages left

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
FROM : XXXX [ Your Last Name ] DATE : XX/XX/year> RE : XXXX XXXX Schools XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Investigate Fraud Statement of Facts : I am filing this complaint against Schools XXXX XXXX XXXX for predatory and coercive practices related to a vehicle financing contract dated XX/XX/year>. This contract is currently the subject of an active criminal fraud investigation by the California XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX. Specific Violations : Financial Coercion : On multiple occasions, representatives of Schools XXXX XXXX XXXX have verbally stated they will refuse to process or assist with my fraud claim on the XX/XX/XXXX contract unless I first resolve an unrelated delinquency on a separate account. Violation of the FTC Holder Rule ( XXXX CFR Part XXXX ) : As the holder of the consumer credit contract, the Credit Union is legally subject to all claims and defenses I could assert against the seller. By refusing to acknowledge the documented fraud, they are attempting to bypass federal consumer protection laws. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The Credit Union is leveraging my vulnerability from a prior vehicle accident to force payment on a fraudulent second contract, which is a clear abuse of their position as a financial provider. Desired Resolution : I request that the CFPB compel Schools XXXX Credit Union to : Immediately cease all collection efforts and interest accrual on the XX/XX/year>, contract pending the outcome of the XXXX XXXX XXXX investigation. Provide a written explanation for their refusal to investigate the fraud claim to date. Separate the handling of my XXXX accounts so that an unrelated delinquency is not used as a weapon to deny my legal right to a fraud investigation. Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX has been sending me collection notice in the amount of {$250.00} the collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
On XX/XX/year> I XXXX XXXX contacted each credit bureau in reference to account ( GM FINANCIAL - XXXX - Balance : {$740.00} ) under XXXX U.S.C. XXXX ( b ), the furnisher of this information is required to conduct a reasonable investigation and correct or delete information that can not be verified after receiving notice of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Mercari, Inc.
State: CA

Complaint narrative:
XXXX. Sale was made and shipped on XX/XX/year>. Last tracking is XX/XX/year>, never updated since then. Order amount is {$50.00} ( product worths {$58.00} ). The package was lost during transit. I have contacted XXXX and XXXX. Both parties denied providing help or taking responsibility. XXXX stopped responding to me. I have tried XXXX calling multiple times and contacted their online support center. No real solution from them. Package was sent with XXXX saver. Tracking : https : XXXX XXXX & XXXX & XXXX XXXX said, we have transferred the package to XXXX XXXX so we cant help you. XXXX said, we are still waiting for ups to send us the packages. XXXX. Order was shipped on XX/XX/year>, and marked as delivered on XX/XX/year>. Sale amount is XXXX The product was delivered and the system is supposed to automatically complete the transaction if the buyer did not do it manually within XXXX days. XXXX app simply told me we are unable to complete the transaction, which withhold my funds without telling me what was going wrong and how can I get my funds back. Messages XXXX, all they said is they will investigate and didnt say how long. Called XXXX times and no one answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: OK

Complaint narrative:
Enable Loans claims I owe them money. I sent them a fraud report, a police report, nothing helps. Then they sent a XXXX XXXX after me. This company never contacted me, in violation of the FCRA they contacted my employer. In addition the loan is question is XXXX, frozen interest, BUT XXXX XXXX demanded XXXX! XXXX XXXX should be BANNED from any collection actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: TX

Complaint narrative:
I have filed a complaint with the Federal Trade Commission and with my State Attorney General after researching IQ Data XXXX and learning about repeated allegations of unlawful collection practices. I believe I am a victim of those practices. I do not recognize this alleged debt being reported by IQ Data XXXX, yet the company placed this account on my credit report without first providing the required written notice of the debt. Under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must send written notice of the debt within five days of initial communication, including the amount of the debt, the name of the creditor, and notice of the consumers right to dispute the debt. I never received this notice. In addition, I repeatedly requested proper validation of this alleged debt well over 90 days ago, yet IQ Data XXXX has failed to provide any documentation meeting the legal standard of debt validation. Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt and requests validation, the collector must cease collection activity until verification of the debt is provided. Despite this law, IQ Data XXXX continues to report and attempt to collect this alleged debt without providing validation. I have also received repeated and excessive phone calls regarding this account. During one of these calls, a representative threatened legal action if I did not pay the alleged debt. Under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations, including threatening legal action that is not intended or legally authorized. These actions may also constitute harassment under 15 U.S.C. 1692d, which prohibits abusive and harassing collection conduct. Additionally, reporting a debt to credit bureaus without verifying its accuracy may violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2, which requires furnishers to report accurate information and investigate disputed information. By continuing to report an unverified debt, IQ Data XXXX may be furnishing inaccurate or unverified information to the credit bureaus. Under federal law, violations of the FDCPA may carry statutory damages of up to {$1000.00} per violation ( 15 U.S.C. 1692k ) in addition to actual damages and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Last Four of SSN : XXXX Company : Jefferson Capital Systems Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Amount Written Off : {$700.00} I am formally disputing the above-referenced account and requesting a full investigation pursuant to federal law. This account was allegedly originated with XXXX XXXX XXXX XXXX XXXX ) and later sold to Jefferson Capital Systems. I dispute the validity, accuracy, and enforceability of this alleged debt. Violations and Legal Basis for Dispute 1. Failure to Provide Proper Debt Validation FDCPA Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must provide validation of the debt upon dispute. I have not received : A copy of the original signed agreement, A complete payment history, A breakdown of how the {$700.00} balance was calculated, Documentation proving the chain of title from the original creditor to Jefferson Capital Systems. Continued collection without proper validation may violate 15 U.S.C. 1692e and 1692f ( false, deceptive, or unfair collection practices ). 2. Inaccurate or Incomplete Credit Reporting FCRA If this account is being reported to any consumer reporting agency, I dispute its accuracy and completeness under : 15 U.S.C. 1681s-2 ( a ) ( duty to report accurate information ), 15 U.S.C. 1681s-2 ( b ) ( duty to investigate upon dispute ), 15 U.S.C. 1681e ( b ) ( requirement to follow reasonable procedures to assure maximum possible accuracy ). If Jefferson Capital Systems can not provide competent evidence substantiating this debt, the account must be deleted. 3. Cease Collection Pending Validation Regulation F Under 12 C.F.R. 1006.34 and 1006.38, collection activity must cease until proper validation is provided after a timely dispute. 4. Proof of Legal Authority to Collect I request proof that Jefferson Capital Systems is legally licensed and authorized to collect debts in the Commonwealth of Virginia

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: CT

Complaint narrative:
I am disputing a debt being collected by Professional Debt Mediation related to a residential lease. Although I signed a lease agreement, I never took possession of the apartment and was never provided keys to the unit. Because possession of the unit was never delivered, the lease was never executed in practice. Despite this, the landlord later claimed I owed rent and sent the account to collections. The unit was subsequently re-leased to a new tenant starting XX/XX/scrub>XXXX The collection agency has only provided a lease agreement and a ledger as validation. These documents do not demonstrate that I ever took possession of the property or that the charges are legally owed. Additionally, the collection agency contacted my workplace in an attempt to reach me, which raises concerns regarding improper communication under the Fair Debt Collection Practices Act. I request that the debt collector provide proper validation demonstrating that I took possession of the unit and that the charges are legally owed. If such documentation can not be provided, I request that the collection activity stop and the account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: TX

Complaint narrative:
I am submitting this complaint regarding unauthorized credit inquiries that are appearing on my credit file maintained by Equifax. I have reported identity theft and provided supporting documentation, including Identity Theft Report number XXXX. The following inquiries appear on my consumer report without my authorization : XXXX XX/XX/year> XXXX XX/XX/year> These inquiries were not initiated by me and are believed to be the result of identity theft. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, consumer reporting agencies are prohibited from furnishing consumer report information, including inquiry records, without a permissible purpose or consumer authorization. Additionally, under 15 U.S.C. 1681c-2, consumer reporting agencies are required to block and remove information resulting from identity theft within four business days after receiving appropriate proof, including an identity theft report, consumer identification, and identification of the disputed information. I have submitted documentation supporting my identity theft claim. However, the unauthorized inquiries continue to appear on my credit file, indicating noncompliance with federal identity theft protection requirements. The continued reporting of these inquiries is negatively affecting my credit profile and may represent a failure to comply with consumer protection laws. I am requesting regulatory assistance to ensure that this matter is investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: VA

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYSTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I contacted Midland Credit Management regarding this account several times after being notified that the debt had been sold to them. I made multiple attempts in XX/XX/year>XXXX to discuss resolving the account. On XX/XX/year>, I contacted Midland Credit Management for the third time that day in an effort to reach a resolution. My purpose in calling was to attempt to resolve a charged-off account with a one-time settlement payment of {$1000.00} on a {$2300.00} balance. I had borrowed money and spent several months saving specifically to settle this debt in good faith. During my call with a representative and later a manager, both individuals were extremely rude and dismissive. They refused to discuss any settlement options and repeatedly pushed me to enter into a monthly payment plan instead. When I declined and explained that I had saved a lump sum to settle the account, their tone became hostile. The manager repeatedly referenced a lawsuit and stated that I could not make a settlement because I had already been sued. This statement was presented in a threatening manner during the call. I was also told that my previous attempts to contact them to resolve the account were not acceptable. I am attempting to resolve this account responsibly and in good faith with a lump-sum payment. However, I was not given a reasonable opportunity to discuss settlement and was instead met with aggressive and disrespectful communication. I am requesting that Midland Credit Management review this matter and provide a fair opportunity to resolve this account with a reasonable settlement.

Company response to consumer: Closed with explanation