vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am disputing a collection account being reported by LVNV Funding LLC. 

The account is being reported with an inaccurate and/or unverifiable balance, and I have never been provided proper itemized documentation supporting the amount claimed. 

Despite my dispute, LVNV Funding LLC has failed to provide sufficient validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA 1692g ).

Additionally, LVNV Funding LLC is furnishing this account to consumer reporting agencies without ensuring the accuracy and completeness of the information, which is a violation of the Fair Credit Reporting Act ( FCRA 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
Went to court was told date was move to another day then the company lied and went and never notified me of the new dates and got a judgement for a disputed debt I was never notified of the new case date I was told the case was dismissed. Then get notification from employer about a garnishment never even notified about it. 
I disputed the debt and the company never supplied me with any origination about the debt or a validation of the debt as requestwd they pursued a charged off closed account XXXX XXXX sold faulty merchandise and when complied about it they never would return it and never fix it and I had to go and buy a new one to have something working and it has a XXXX year warranty and it was that they installed it wrong and it got damaged by XXXX XXXX. Never worked right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KS

Complaint narrative:
I am a public school teacher pursuing Public Service Loan Forgiveness ( PSLF ) with 104 qualifying payments out of 120. I have submitted multiple Income-Driven Repayment ( IDR ) plan change requests and secure messages to MOHELA with no response.

My loans were placed into administrative forbearance due to servicer processing delays, preventing me from making qualifying PSLF payments. Interest continues to accrue, and my forgiveness timeline is being delayed due to MOHELAs inaction.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate deletion of a credit inquiry made by your company that appears on my consumer credit report. This inquiry was not authorized by me and is the result of identity theft and theft by deception. I am a documented victim of identity theft. Enclosed with this correspondence is a police report filed with the XXXX XXXX Police Department ( XXXX # XXXX ), which establishes criminal misuse of my personal and financial information. This letter constitutes formal notice under the Fair Credit Reporting Act ( FCRA ). 

FRAUDULENT CREDIT INQUIRY DETAILS XXXX XX/XX/year> Equifax LEGAL BASIS FOR DELETION Under FCRA 604 ( 15 U.S.C. 1681b ), a company may access a consumers credit report only if it has a valid permissible purpose. I did not apply for credit, authorize access, or conduct business with your company.

Further, under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies and furnishers are required to block and delete information resulting from identity theft once a valid identity theft report is provided. 

Because this inquiry was made without my authorization and is connected to identity theft, it lacks permissible purpose and is unlawfully reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
This is not my debt I have never attempted or attended this XXXX XXXX XXXX in XXXX XXXX. I don't owe nothing to this company I want this off of my credit information please and thank you if I have to I will take legal action against this company for manipulated my information and now saying I owe over XXXX I have no affiliation with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate deletion of a credit inquiry made by your company that appears on my consumer credit report. This inquiry was not authorized by me and is the result of identity theft and theft by deception. 
I am a documented victim of identity theft. Enclosed with this correspondence is a police report filed with the XXXX XXXX Police Department ( Case XX/XX/XXXXXXXX ), which establishes criminal misuse of my personal and financial information. This letter constitutes formal notice under the Fair Credit Reporting Act ( FCRA ). 

FRAUDULENT CREDIT INQUIRY DETAILS WFBNA AUTO XX/XX/year>XX/XX/XXXXLEGAL BASIS FOR DELETION Under FCRA XXXX ( 15 U.S.C. XXXXb ), a company may access a consumers credit report only if it has a valid permissible purpose. I did not apply for credit, authorize access, or conduct business with your company. 

Further, under FCRA XXXX ( 15 U.S.C. XXXX ), consumer reporting agencies and furnishers are required to block and delete information resulting from identity theft once a valid identity theft report is provided. 

Because this inquiry was made without my authorization and is connected to identity theft, it lacks permissible purpose and is unlawfully reported.

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 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-01-01 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: CA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 U.S CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: TN

Complaint narrative:
Reference # XXXX To Whom It May Concern, I am in receipt of your response regarding my CFPB complaint dated XX/XX/XXXX. Your reply again fails to address the substance of my complaint and continues to avoid providing legally required validation of the alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), once a consumer disputes a debt and requests validation, a debt collector must cease collection activity until it provides verification of the debt. This verification requirement does not authorize a collector to condition compliance on the consumers disclosure of additional sensitive personal identifying information such as a full date of birth or Social Security number.

I have sufficiently identified myself as the consumer disputing this account using my full legal name and address, which you have already associated with the alleged debt through your collection activity. Courts have repeatedly held that a debt collector may not use identity-verification demands as a pretext to avoid providing validation or to continue collection without compliance. See XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

To date, Credit Control has not provided : The name and address of the original creditor The amount of the alleged debt and an itemized accounting A copy of any contract, agreement, or instrument bearing my signature Proof that Credit Control has legal authority to collect this debt Instead, you are improperly demanding additional PII while continuing to withhold validation. This constitutes continued noncompliance with the FDCPA and may also violate 15 U.S.C. 1692e ( false or misleading representations ) and 1692f ( unfair practices ).

I reiterate that I dispute this alleged debt in its entirety. Until proper validation is provided, you are required to cease all collection activity and reporting. If Credit Control continues to fail to comply, I will pursue all available remedies, including additional regulatory complaints and legal action.

Please provide proper validation of the alleged debt or confirm that this account has been closed and any related reporting has been removed. 

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
On multiple occasions ive asked them not to contact my employer, my family, my coworkers and yet they have multiple times. It's happened more than 5 times so im not sure the exact dates of each but my work has told me my job is on the line. ( Company is security finance, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Repeat calls from different numbers. Calling on recognized federal holidays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX Account To Whom It May Concern : I am writing to dispute the accuracy of information your agency has furnished to consumer reporting agencies regarding my child support obligations. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s1 and 1681s2.

Issue : Your agency has reported arrears that are inaccurate and/or misleading. Specifically : - The arrears amount reported does not match my payment records.

- No advance notice was provided prior to furnishing this negative information, as required by FCRA 1681s1.

- After I disputed the information with the credit bureaus, your agency failed to conduct a reasonable investigation and correct the inaccuracies, in violation of FCRA 1681s2 ( b ).

Legal Basis : - FCRA 1681s1 requires child support agencies to provide notice to the consumer before furnishing arrears information to a credit bureau.

- FCRA 1681s2 ( a ) requires furnishers to report accurate information.

- FCRA 1681s2 ( b ) requires furnishers to investigate disputes and correct or delete inaccurate information.

* * Requested Action : * * 1. Immediately correct the reporting to reflect accurate payment and arrears information.

2. Provide written confirmation that the tradeline has been updated to comply with FCRA and XXXX XXXX reporting standards. 
3. Ensure that future reporting complies with the notice and accuracy requirements of the FCRA.

I have enclosed supporting documentation ( payment receipts, agency statements, etc. ) to assist in your reinvestigation. Please provide me with written confirmation of the results of your investigation within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
I received my credit report from XXXX  today and noticed a collection in the amount of {$1900.00} from Credit Control LLC for a bill that doesnt belong to me. My account is current with XXXX so if m unaware of this debt and it caused a major dip in my credit score!

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I had an XXXX XXXX through USAA with a {$250.00} limit. I made a purchase for under the limited and paid the card down to {$0.00} owed, the company I made the purchase through then charged me XXXX XXXX to which I called USAA to dispute. When I offered to send corresponding information I told not to & it would be handled. USAA reversed the transaction then months later reversed the reversal causing these fraudulent charges to reappear on my account as owed, USAA began to charge excessive interest on said charges which are well more than the set card limit. I contacted USAA about redisputing it in which I was told not only that I could do but that they were processing, during the time I got a notification that if the fraudulent charges werent paid the card would be closed and effect my credit, I called to verify that the dispute would prevent that which they said it would, I received another message saying the card was closed and when I called and reached the higher ups I was told that the redispute was invalid & they were never going to reverse the fraudulent charge & although I was misled for several weeks to think it was a valid dispute it wasnt and there was nothing I could do to prevent closure of card and the negative effects on my credit. I was misguided and mislead up until the point where I could no longer pay it down to prevent these effects on a completely fraudulent charge in which I initially was mislead to believe I didnt need to upload evidence in regards too. Said evidence was uploaded in the redispute that USAA later said was invalid and shouldnt have been started

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM 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 U.S CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I tried to use this card multiple times online and at retail stores and my XXXX, grocery store, XXXX etc. it was declined every time and I never tried to use anywhere near the balance except for at XXXX where I tried to use the XXXX {$100.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate deletion of a credit inquiry made by your company that appears on my consumer credit report. This inquiry was not authorized by me and is the result of identity theft and theft by deception. I am a documented victim of identity theft. Enclosed with this correspondence is a police report filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which establishes criminal misuse of my personal and financial information. This letter constitutes formal notice under the Fair Credit Reporting Act ( FCRA ). 

FRAUDULENT CREDIT INQUIRY DETAILS GLOBAL LEND XX/XX/year> XXXX  LEGAL BASIS FOR DELETION Under FCRA 604 ( 15 U.S.C. 1681b ), a company may access a consumers credit report only if it has a valid permissible purpose. I did not apply for credit, authorize access, or conduct business with your company.

Further, under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies and furnishers are required to block and delete information resulting from identity theft once a valid identity theft report is provided. 

Because this inquiry was made without my authorization and is connected to identity theft, it lacks permissible purpose and is unlawfully reported.

Company response to consumer: Closed with explanation