vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: I.C. System, Inc.
State: MN

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INC - XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC amount of {$780.00} they have reached out I want them to provide written proof that they have the legal right to collect this debt

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 — Collected or attempted to collect exempt funds
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
Complaint Narrative : I am submitting this complaint regarding XXXX XXXX attempts to collect a debt through the courts. The debt collector filed a motion requesting a default judgment, claiming that I did not respond to the lawsuit. This is false. According to the court docket : I filed an answer on XX/XX/year> A pretrial hearing was completed on XX/XX/year>. A second pretrial is scheduled for XX/XX/year>. I have attached copies of my filed answer and pretrial notice as evidence. Despite this, the debt collector is attempting to misrepresent my actions to the court. They are also fully aware that my income is XXXX-based and protected under XXXX, yet continue collection efforts. These false statements are misleading, may constitute harassment, and appear to violate the Fair Debt Collection Practices Act ( FDCPA ), including 1692e ( misrepresentation ) and 1692e ( 5 ) ( threats of legal action ). In return I will pursue counter claim for FDCPA VIOLATIONS.

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: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
I have attached copies of authorized users advertising taken from Discovers website. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It appears that if you are an authorized user Discover reports your account to the cra. So if there is no account reporting to a cra it must mean you were never an authorized user? So please explain why Discover has stated XXXX XXXX was an authorized user on my account but this account does not report to any cra and was removed on XX/XX/year>. Provide the specific reason given to each credit reporting agency for the removal of the trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I've called citi bank to change my payment date and they dont want to honor it saying that the payment has to be done first but they purposefully make the bill cycle the day after its due so you won't be able to make the due date change so they can keep charging fees and interest,

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Beginning XX/XX/year>, Frost Bank froze my personal account ( # on file ) and XXXX my XXXX transfer capabilities without any written notice or explanation. Another Frost Bank customer can use XXXX without issue, confirming this restriction is specific to my account. I received a phone call from a Frost Bank representative stating they were " not comfortable '' with me visiting a local branch, and told me my only option was to transfer funds to another XXXX account for a third party to withdraw an unlawful restriction on access to my own {$4200.00}. When I visited the branch, I had recently closed my deceased mother 's account and returned days later to deposit proceeds from the sale of her vehicle. Staff at the branch acted unprofessionally and made light of my grief. After that visit my accounts stopped working. Phone lines ring without answer. All contact has been through AI chatbots and scripted chat agents who deflect and provide no resolution. Dates : XX/XX/XXXX, XXXX, XXXX XXXX Branch : XXXX & XXXX XXXX XXXX, TX. Frost Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am filing a complaint regarding a collection account reported by Portfolio Recovery Associated in the amount {$460.00} This account appears on my credit reports with XXXX, XXXX, XXXX. The account was originally opened with XXXX XXXX on XXXX XXXXThe collection account is showing a last activity date of XXXX XXXX. I disputed this account after noticing it on my credit report and requested proper validation of the debt. AS of today, the company has failed to provide documentation such as a signed contract, account statements, or proof that they legally own the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Healthcare Finance Direct LLC.
State: PA

Complaint narrative:
My name is XXXX XXXX I got this email Refund Down Payment Inbox XXXX Unsubscribe Thu, XX/XX/XXXX, XXXX ( 8 days ago ) to me Refund Process XXXX Hi XXXX XXXX XXXX A {$52.00} refund has been processed to your account. Please allow 3-5 business days for your bank to complete the transaction. solid Refund Receipt details Name Payment Plan ID # Date Refund Amount Refunded to XXXX XXXX XXXXXXXX XXXX {$52.00} Ending in XXXX Questions? email-us call-us logo Powered by : Healthcare Finance Direct All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX Privacy Policy but I emailed XXXX to see if it was true or no but they responded but they answered my question or resolve my issue and when I asked again they didnt respond and for this complaint I need to see if this is true or not and also I didnt get the refund to my bank account for that amount etc.

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: TX

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYSTXXXX XXXX XXXX XXXX Validation of Debt Request- JEFFERSON CAPITAL SYST/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XXXX, I met the {$1000.00} spend requirement for the Citi XXXX XXXX promotion, which was advertised as {$300.00} after spending {$1000.00}. On XX/XX/year>, Citi credited XXXX ThankYou Points to my account. On the same date, I redeemed all XXXX points for a statement credit, but only received {$150.00}, not the {$300.00} promised in the promotion. I attempted to contact Citi by phone multiple times, but the calls repeatedly disconnected. I am requesting Citi review the promotion attached to my account and provide the remaining {$150.00} promised in the original advertisement.

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 — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
I entered a settlement money with Bridgecrest for a term of 6 months of XXXX $ and I payed them every month. I asked for a letter of verification XXXX and they never sent one. I called again XXXX and they said they XXXX no control over it and now another debt collector is calling me about the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
I entered a settlement money with XXXX for a term of 6 months of XXXX $ and I payed them every month. I asked for a letter of verification XXXX and they never sent one. I called again XXXX and they said they XXXX no control over it and now another debt collector is calling me about the amount.

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 non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: AL

Complaint narrative:
Aargon Agency I am writing to dispute the alleged debt you claim I owe related to a XXXX XXXX account dated XX/XX/year>. Please provide full validation of this debt, including : The original XXXX XXXX account number The service address associated with the account An itemized billing statement showing how the balance was calculated Proof that Aargon Agency is authorized to collect on behalf of XXXX XXXX Until this debt is properly validated, please cease all collection activity. The account continues to be reported without proper validation or the address in which they are saying that I owe it from. I have lived at my address for 4 years and it is total electric so I am not sure this alleged debt is coming from or which address or if they have the wrong 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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My husband, XXXX, me the money for a rent check and I put it into my checking account. I called on the third to make sure that the check was OK and I was told by a representative in Texas that the check was processed and it was fine. The next day, the check came back, returned when we called and spoke to a representative. We were told that they moved money from the checking into the savings and thats what bounced the check. The funds were there. She kept stuttering all over herself, trying to come up with excuses why they returned the check. The money was there though. This is the second time Bank Of America has done this to us in a matter of a week. They returned a payment to a credit card and the funds were there as well..

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 — 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: CT

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Per HJR-192, 18 USC 8 I owe no debt and all debts are discharged. Per UCC 1-308 I hereby reserve all Rights. Also I do not and have never had any written contract with this 3rd party debt collector so as such why are they attempting to get me to pay them when we have never had a prior agreement to work together. I do not consent to contract. Per UCC 1-103.6 Common law remains in force except where displaced by the code, a statue should be construed in harmony with common law and the code cant be read to preclude a common law action. Under common law all contracts must be entered into knowingly, willingly and intentionally and must also be based on substance. With the XXXX taken in XXXX and the XXXX in XXXX there is no Lawful money for which me to pay a debt anyways. So since my common law rights can't be upheld the remedy for those violated rights must be enforced and that sole remedy is complete discharge of the debt.

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: LA

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS 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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: V.I.P. MORTGAGE, INC.
State: AZ

Complaint narrative:
My servicer, VIP Mortgage, is in violation of Regulation XXXX ( XXXX C.F.R. XXXX ). Despite a formal acknowledgement of an Independent Second Review dated XX/XX/XXXX, a representative verbally stated on XX/XX/XXXX that the review was denied in XXXX hours. This representative was unaware of my documented {$15000.00} monthly surplus, proving no human audit occurred. Furthermore, the bank is ignoring a Successive Hardship exception ( XX/XX/XXXX job loss ) that they formally approved in a letter dated XX/XX/XXXX. I am nearly {$110000.00} under the 30 % principal cap, yet the bank refused to offer a Deferral, Modification, or Repayment Plan, demanding an immediate {$54000.00} lump-sum reinstatement. I demand a manual review that honors the established XX/XX/XXXX precedent. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I submitted a complete loss mitigation application to Shellpoint XXXX NewRez and have been attempting to communicate with my assigned Single Point of Contact for over a month regarding resolution options. My calls and emails have not been returned. Despite actively attempting to work out a repayment arrangement and retain my home, I have now received a Notice of Foreclosure Sale scheduled for XX/XX/year>. I have repeatedly informed the servicer that I am requesting loss mitigation and have funds available to contribute toward resolving the delinquency. I am requesting immediate review of my loss mitigation application and confirmation that foreclosure activity will be paused while my application is evaluated. I am also requesting that the servicer respond to my communications and provide a clear status update regarding my application.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I applied for a loan with XXXX and XXXX informed me that I could not be approved due to a debt I have with them since 2023. I informed them that, that could not be true since I paid off any debt I had with them. They said the collections department said otherwise and after being transferred XXXX different times, I spoke with TSI which had my collections previously. I asked them why did XXXX say I owe them money if I have bank statements clearly showing I paid them. They stated that the person who handled my account and final payment missed a step and that she had done it now and that XXXX will be notified in a couple of days. I think its ridiculous that, I was completely unaware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
They called stating I owe XXXX and I asked for validation that the company, bankers life, used the chargeback account before sending this to collections and from which accounts were there chargebacks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I disputed information reported to XXXX XXXX XXXX ( XXXX ) by Navy Federal Credit Union. The investigation response I received states the information is accurate, but I do not believe the reporting is correct and I was not provided documentation verifying the claim. I am requesting that XXXX XXXX provide full validation of the reported information and correct or remove any inaccurate reporting from my XXXX XXXX XXXX consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Credence Resource Management illegally reporting collection on my credit report. I have never had nor did I ever sign up for anything with Credence Resource Management. I have no knowledge of this account. I have never signed up for anything with this company. Illegally obtaining debt from third parties to then illegally report it on my credit as if this debt was from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 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:
Date Opened : XX/XX/year> File dispute was not removed. This is not my account that is being reported to my credit report Balance Reported : {$180.00} this is not me damaging my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
These unauthorized hard inquries are attached to my credit report, I have filed an FTC claim and I need these removed. This is so unfair as I have not authorized any of this.

Company response to consumer: Closed with explanation