vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 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: MI

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
I have already filed a complaint with the Federal Trade Commission ( FTC ) and a complaint with my State Attorney General because of the conduct of Jefferson Capital Systems. I have received excessive phone calls from this company and have repeatedly asked them to provide proper validation of this alleged debt, yet they have failed to do so. The first violation is that I never received written notice of this alleged debt before it appeared on my credit report, which is required under FDCPA 1692g ( a ). I have no idea what this alleged debt is even for. I have done my research on Jefferson Capital Systems, and based on the complaints from other consumers, I am expecting them to claim that they sent notice. If that is the case, I am asking them to provide proof that it was actually delivered. It is 2026, and consumers now have access to information about our rights. Anyone can research the law and understand what proper validation of a debt requires. I am now filing this complaint with the Consumer Financial Protection Bureau, and I have already filed complaints with the FTC and the State Attorney General. Jefferson Capital Systems, if you claim you have proper validation of this debt, then you should upload it through this CFPB complaint. Proper validation would include documentation such as the name of the original creditor, an itemized accounting of the balance being claimed, proof that I am legally responsible for the debt, documentation showing the date the account was opened, and proof that Jefferson Capital Systems has authority to collect this alleged debt. If Jefferson Capital Systems does not know what proper validation is, they can easily research it. In 2026, anyone can literally XXXX what proper validation of a debt requires. However, I know that Jefferson Capital Systems will not be able to provide this documentation because I have no idea what this alleged debt is and I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Unrecognized Collection Account XXXX XXXX XXXX I am writing to formally dispute the accuracy of a collection account currently appearing on my credit report. The account in question is reported by XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$120.00}, account status : XXXX ) and is listed as 'Placed for Collection. ' I do not recognize this account. I have no knowledge of this debt, I did not authorize the opening of this account, and I have received no documentation establishing that this obligation belongs to me. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I hereby request that you : 1. Conduct a thorough investigation of this disputed account. 2. Contact the furnisher ( XXXX XXXX XXXX ) and require them to provide verifiable proof that this account is accurate, complete, and legitimately mine. 3. Provide me with the results of your investigation in writing. 4. Delete this account from my credit report immediately if it can not be verified. Please be aware that under the FCRA you are required to complete your investigation within 30 days of receiving this dispute ( or 45 days if I provide additional information during that period ). I have enclosed a copy of my government-issued photo ID and proof of address to verify my identity. Please send your written response to the address listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX Enclosures : Copy of government-issued ID, Copy of recent utility bill or proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: PA

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 XXXX : 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 2026-03-10 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: SC

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 30 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 2026-03-10 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: MN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV FUNDING - {$460.00} LVNV FUNDING - {$630.00} LVNV FUNDING - {$490.00} LVNV FUNDING - {$1500.00} XXXX XXXX - {$520.00} XXXX XXXX - XXXX XXXX XXXX - {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently pulled a copy of my XXXX bureau consumer report and noticed some items reporting on my credit file that arent reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( XXXX USC XXXX ( b ) ).

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 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: SC

Complaint narrative:
I am being harassed by Harvard Collection Services every XXXX years. Harvard is trying to collect {$530.00} for the IL Department XXXX XXXX XXXX. IL XXXX. of XXXX XXXX sent me a letter in XX/XX/XXXX. This was a debt of {$240.00} that was not paid since XX/XX/XXXX. I refused to pay since it was over XXXX years ago. The IRS stepped in and took {$250.00} from a joint tax refund in XXXX to settle this debt with the IL XXXX. of XXXX Services. I sent proof again to Harvard Collection Services and XXXX in XX/XX/XXXX, then again in XX/XX/XXXX. XXXX sent a letter informing me to write to CFPB, before the XXXX day deadline. XXXX also stated that this debt will stay on my credit report until XXXX. I do not agree with this decision since I never received another letter from the IL Dept. of XXXX Services since the XXXX letter I received back in XXXX of XXXX, stating that I owed {$240.00} not {$530.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, 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 ) 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 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 2026-03-10 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: CA

Complaint narrative:
Validation of Debt Request - CREDIT COLLECTION SERV - 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I just called the company and I provided my name and my account number. Thats on my credit report and they said they can not help me without my Social Security number and my personal address which I refuse to give due to the fact I didnt know who I was talking to and I dont want to give out my sensitive Social Security for personal information. She said that she cant help me and was very rude and hung up on me.

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 2026-03-10 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: OH

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 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didnt follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Adding additional information to a closed case # XXXX XXXX {$24000.00} from XXXX bank to an account at Chase bank XXXX Chase is holding the money in its high-risk account and wont return it, saying the funds are no longer at the bank. I have a copy of an audio recording between the payee and Chase, confirming they closed his account and are holding the funds in their high-risk account. That file is to big for me to upload here They tell XXXX that they cant return the funds because they are no longer available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On XX/XX/year>, I made a {$180.00} purchase from a merchant called XXXX XXXX through a XXXX advertisement using my Apple Card issued by Goldman Sachs Bank USA. The purchase was for outdoor furniture. I never received the merchandise. The merchant never provided an order confirmation, shipping confirmation, or tracking number. After waiting approximately XXXX to XXXX weeks with no delivery or communication, I searched online and found numerous complaints from other customers stating they had also never received their orders and that the merchant appeared to be operating a scam. The merchants website later disappeared and the company became unreachable. I disputed the charge with Apple Card. During the dispute process, Goldman Sachs relied on a tracking number submitted by the merchant as proof of delivery. However, this tracking number was never provided to me by the merchant and lists the shipping carrier as other. The tracking number can not be verified with any legitimate carrier such as XXXX, XXXX, XXXX, or XXXX. There is no proof of delivery, no signature confirmation, and no evidence that any shipment was delivered to my address. Despite explaining this multiple times and disputing the charge XXXX separate times, Goldman Sachs repeatedly reversed the temporary credit and ultimately closed the dispute in favor of the merchant. I believe the bank failed to properly investigate the validity of the shipping information and denied my dispute even though the merchant did not provide verifiable proof of delivery. I am requesting that Goldman Sachs Bank USA conduct a proper review of this dispute and correct the billing error for merchandise that was never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Denefits LLC
State: NY

Complaint narrative:
On XX/XX/XXXXXXXX XXXX 2025 I received a letter back in the mail and correspondence of the letter that I sent saying can not deliver and return to sender like they didn't accept my letter I sent it certified and I have it here a copy of letter. They are saying I owe them {$1700.00} for their services and they did not uphold the services like their contract says.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital system ( XXXX ) -XXXX XXXX, {$660.00} was being collected in debt, I have no knowledge of this account this is pure identify theft and fraud. This is affecting my credit score and my ability to live my life. I request that this be under investigation and removed and deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Company : Portfolio Recovery Associates , LLC Account Number : XXXX Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX I am filing this complaint because Portfolio Recovery Associates ( PRA ) is reporting and attempting to collect a debt without providing legally required validation under FDCPA 809 ( b ). PRA continues to furnish information to the credit bureaus despite failing to provide the documentation I requested. On XX/XX/XXXX, I sent PRA a formal written debt validation request. I requested the original signed contract, full chain of title, proof of ownership, itemized accounting, proof of legal right to collect in my state, and all required dates including DOFD, last payment date, and charge off date. PRA responded on XX/XX/XXXX. Their response did not include any of the required validation. Instead, they sent a generic XXXX XXXX billing statement dated XX/XX/XXXX. This document does not contain my signature, does not prove PRA owns the debt, does not include a bill of sale, does not include assignment documents, does not show chain of custody, does not show legal standing to collect, and does not include the required dates. A billing statement is not validation under FDCPA 809 ( b ). Despite failing to validate, PRA continues to report the account to the credit bureaus. This is continued collection activity and is illegal under FDCPA 809 ( b ). PRAs actions also violate FCRA 623 ( a ) ( 1 ) for reporting inaccurate information, FCRA 623 ( a ) ( 3 ) for failing to properly mark the account as disputed, and FCRA 623 ( a ) ( 5 ) for failing to provide required date information which raises concerns of illegal re-aging. PRAs investigation did not meet the requirements of FCRA 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent numerous attempts to collect this information with the last two being on XX/XX/XXXX and XX/XX/XXXX. They have failed to verify the debt and are now suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: NY

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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