vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have filed an FTC complaint and a complaint with the Attorney General against this company. I began receiving excessive and repeated phone calls from National Credit Systems attempting to collect an alleged debt. During these communications, representatives of this company also threatened to sue me if I did not pay the alleged balance. After researching my rights under federal law, I discovered that threatening legal action on a debt that has not been properly validated may violate the Fair Debt Collection Practices Act ( FDCPA XXXX ), which prohibits false or misleading representations in connection with the collection of a debt. I requested proper validation of this alleged debt well overXX/XX/XXXX days ago and have asked for it multiple times. I have not received any documentation validating this debt. I never received the required written notice before this account was placed on my credit report, which raises concerns under FDCPA XXXX ( a ), which requires that consumers receive written notice of the debt and their right to dispute it. This appears to be some type of apartment or rental collection account. Proper validation of this type of debt must include the signed lease agreement, an itemized final statement showing how the alleged balance of {$16000.00} was calculated, documentation identifying the original creditor, documentation proving the debt belongs to me, move-out accounting records, documentation showing the date the account was opened, and documentation demonstrating that National Credit Systems has the legal authority or assignment to collect the alleged debt. I have done my research on this company and understand that it is common for them to claim that something was mailed. However, I have not received a single document from them validating this debt. If this company actually has proper validation of this alleged debt, then I am requesting that every document required to validate this debt be attached to the CFPB complaint response for review. I am 100 % confident that this company does not possess all of the documentation required to properly validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: SC

Complaint narrative:
I am submitting this complaint regarding the reporting of a XXXX-day and XXXXday late payment on my Discover credit card account that occurred in XXXX and XXXX of last year. During that period, I experienced an unexpected loss of employment which created a temporary financial hardship. As a result of that situation, I fell behind on my payments for a short time. Once I regained employment, I immediately brought the account current and have maintained consistent on-time payments since that time. My account is currently in good standing and I have continued to demonstrate responsible credit behavior. Since resolving the hardship, I have made multiple attempts to work directly with Discover to request a goodwill adjustment for the late payment reporting. I first contacted Discover through their secure messaging system requesting a goodwill review due to the temporary hardship and my otherwise positive payment history. My request was denied with a statement that the company is required to report accurate information. I then followed up again requesting that the matter be escalated for further review. During that conversation I again explained that the late payments were the result of a temporary job loss and that the account has since been brought current and maintained responsibly. I was advised to contact Discover by phone to request escalation through their Account Services department. Following that guidance, I contacted Discover by phone and spoke with their escalation team to request a further review of my goodwill adjustment request. Despite explaining the circumstances and the steps I took to resolve the issue and maintain positive payment behavior since that time, I was informed that the late payment reporting would not be removed. I understand that creditors must report information accurately ; however, this late payment resulted from a brief and documented hardship related to job loss and does not reflect my normal credit behavior. Since that time, I have acted responsibly by bringing the account current and maintaining on-time payments. Given that this was an isolated hardship-related event and that my account is now in good standing, I am respectfully requesting that Discover conduct a further review of my account and consider granting a XX/XX/XXXXtime goodwill adjustment to remove the XXXXday and XXXXday late payment reporting from XXXX and XXXX. I believe this would more fairly reflect my overall payment history and current responsible use of credit. I appreciate the CFPBs assistance in helping facilitate a fair review of this matter.

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

Complaint narrative:
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 ) XXXX, 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 nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Validation of Debt Request XXXX XXXX XXXXXXXX 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TN

Complaint narrative:
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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
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: TX

Complaint narrative:
I have filed an FTC complaint and a complaint with my XXXX Attorney General against your company. I began receiving excessive and repeated phone calls regarding an alleged debt and was threatened with legal action if I did not immediately pay. After researching my rights, I learned that threatening legal action on an unverified debt may violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of any debt. I have no knowledge of this alleged account and only became aware of it after reviewing my credit reports and seeing it reported there. I never received any written notice before the account was placed on my credit report. This raises concerns under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which requires furnishers to report information that is accurate and verifiable, and under XXXX XXXX reporting standards, which require that all data furnished to consumer reporting agencies be complete, accurate, and properly substantiated. After discovering the account, I formally requested proper validation of the alleged debt pursuant to the FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ). It has now been well over XXXX days since my request, and I have not received a single document or piece of correspondence from your company. Proper validation should include documentation identifying the original creditor, documentation showing the full accounting of the alleged balance and how it was calculated, documentation proving that the debt belongs to me, and documentation demonstrating that your company has the legal authority to collect the debt. These are the basic elements required to verify the legitimacy and enforceability of an alleged debt. I have conducted research on your company and understand that it is common for companies to claim that validation was mailed ; however, I have not received any written notice, validation, or documentation whatsoever. If your company does in fact possess lawful validation of this alleged debt, I request that the documentation be provided through the CFPB complaint portal so that it can be reviewed. As of today, I have received nothing from your company despite my request for proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Peer Advisors, LLC
State: MI

Complaint narrative:
My grandmother passed away last XXXX. It came to our attention in XXXX that she had a reverse mortgage. We found the paperwork that was addressed to the estate of XXXX XXXX, which is my grandmother. We would love to offer a settlement in the case, but there is no phone number to contact the bank. We have been told numerous times that we can not contact the bank. I have sent about XXXX emails, including an email from my attorney to XXXX XXXX in order to resolve the mortgage by law and by the paperwork the paperwork say that they are willing to do a hardship settlement as well as give us XXXX months of extensions. We have sent XXXX emails requesting a XXXX months of extension because we just found a paperwork, but copy link refuses to answer our request. I do believe that they have started at foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I went to close on a home with my mortgage company. I received a message from my broker that a collections agency ( XXXXXXXX XXXX ) reported to the credit agencies that I owe XXXX XXXX {$7700.00} from XX/XX/XXXX. I closed my account with XXXX in XXXX. I called XXXX and they were confused as well and said I have no balance with the company and never have opened any other accounts. XXXXXXXX XXXX said that XXXX sold them the debt but I have no accounts with XXXX. XXXX told me to inform XXXX that this is a mistake on XXXX part. I was going to close on a home in XXXX days and now have to pay XXXX dollars more a month if I want this home. My credit dropped XXXX points because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I believe this charge is from a XXXX I had in XXXX. In XXXX, it was included in my bankruptcy petition, so it has been XXXX as of XX/XX/XXXX. I have previously disputed and it still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: NV

Complaint narrative:
I graduated from XXXX XXXX XXXX approximately XXXX years ago with a XXXX XXXX in XXXX XXXX. My account for that program was paid in full and I received my degree. Recently I received a call from XXXX claiming that I had dropped out of the program and owed money that would be sent to collections. This was incorrect because I successfully completed the program and graduated. When I contacted their financial department, I was told XXXX had migrated from an older system to a new system and that the balance appearing was an error caused by their legacy system. I was told the incorrect balance would be removed. During that same conversation I was then told I supposedly owed money related to a Medical Assistant program I enrolled in more than XXXX years ago. At the time I was informed by XXXX that I had been removed from that program and switched into the XXXX XXXX program, which I later completed. Despite disputing the debt, I agreed to pay {$630.00} toward the balance because I was specifically told the account was NOT in collections. After making the payment I discovered that the account had already been placed in collections with Ability Recovery Services and reported to XXXX. This collection account appears to be the result of XXXX internal system errors and incorrect information provided to me by their staff.

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 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a XXXX billing statement via e-mail on XX/XX/XXXX stating that I owe {$100.00}. This transaction is fraudulent. I looked at the statement and it shows the purchase was made on XX/XX/scrub> 2025 at the XXXX XXXX, XX/XX/XXXXstore. I currently live inXX/XX/XXXX and last left the state XXXX years ago. I have never stepped foot in the XX/XX/XXXXstore and I have my card in my possession. The reasons given for the error on my part is that the XXXX and XXXX are on the receipt provided. I'm not paying for goods that I never purchased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
CFPB Complaint Text Company : Chase ( JPMorgan Chase Bank , N.A . ) Product : Credit Card Chase Sapphire Preferred Issue : Problem with account access / credit reporting Complaint from : XXXX XXXX XXXX ; SS XXXX ; Cell ( XXXX ) XXXX ; Email : XXXX ; Last XXXX digits of CC XXXX ( no additional credit card numbers in front of XXXX provided by Chase ) On XX/XX/XXXX, I was approved online for a Chase Sapphire XXXX credit card. Chase performed a XXXX credit inquiry as part of the approval. The following morning, I was unable to access my account because Chase had a XXXX phone number on file ( which has been disconnected for years ) rendering me unable to receive their required text verification to log in. Chase had no alternative option to verify my identity -- short of providing a CC number which I did not have since the card had yet to be mailed. Over the course of approximately XXXX hours, I spoke with XXXX customer service representatives and XXXX technical support staff members. Despite repeated attempts, they were unable to update my phone number in their system, preventing me from verifying my identity and accessing my account. Because Chase could not correct its own records or provide access to the account, I canceled the card XX/XX/XXXX. I was informed at that time that the XXXX inquiry placed on my credit report can not be reversed. This inquiry occurred solely due to Chases internal system failure and inability to update basic account information. I am requesting : XXXX. Written confirmation that the account is closed with a {$0.00} balance and no fees. XXXX. Removal of the XXXX credit inquiry with XXXX XXXX XXXX XXXX due to Chases documented internal error. XXXX. A formal explanation of why customer service representatives were unable to update a simple phone number necessary for identity verification. Chases internal system limitations should not result in negative credit impact to a consumer. If Chase is unable to remedy the situation, I will work with our internal AI department to ensure the Chase Sapphire XXXX card is not listed as the number XXXX card for travelers to obtain. XXXX XXXX XXXX ( Last XXXX of SS " XXXX '' & Last XXXX of CC " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: TX

Complaint narrative:
The first violation is that I never received the required written notice before this alleged debt was placed on my credit report. I have already filed an FTC complaint and a complaint with my State Attorney General against this company because I requested proper validation of this alleged debt well over XXXX days ago and have not received a single document validating it. Under the Fair Debt Collection Practices Act ( FDCPA 1692g ), when a consumer disputes a debt and requests validation, the debt collector must provide documentation validating the debt and must cease collection activity until that validation is provided. That has not happened in this case. Proper validation of a debt requires documentation identifying the original creditor, a complete accounting of the alleged balance and how it was calculated, documentation proving the debt belongs to me, documentation showing the date the account was opened, documentation supporting the balance being claimed, and documentation demonstrating that your company has the legal authority to collect the alleged debt. These are the basic documents required to substantiate and lawfully collect a debt. Despite my requests, your company continues to report this alleged debt without providing any validation whatsoever. Reporting a debt that can not be verified raises serious concerns under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( XXXX ) ( A ) ), which requires that any information furnished to consumer reporting agencies be accurate and verifiable. In addition, XXXX XXXX reporting standards require that all data reported to consumer reporting agencies be complete, accurate, and fully substantiated with documentation. I am an informed consumer and I know exactly what proper validation of a debt requires. I am also fully aware that companies such as yours often claim that validation was mailed. If your company intends to make that claim, then I am requesting that every document required to validate this alleged debt be attached directly to the CFPB complaint response for review. That includes documentation identifying the original creditor, a full accounting of the alleged balance and how it was calculated, documentation proving the debt belongs to me, and documentation demonstrating that your company has the legal authority to collect the debt. I am 100 % confident that your company does not possess the documentation required to properly validate this alleged debt. If your company continues to report this account without lawful validation, I am prepared to consult with a consumer rights attorney regarding these violations.

Company response to consumer: Closed with explanation