vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : PORTFOLIO RC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on XXXX XX/XX/year> and XXXX XX/XX/year> Amount : {$2000.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 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: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On or around XXXX XXXX XXXX my debit card ending in XXXX was used without my authorization after I lost my wallet. Two unauthorized transactions were made : {$100.00} from XXXX XXXX XXXX on XX/XX/year> and {$380.00} from XXXX XXXX on XX/XX/year> XXXX I did not make or authorize either transaction. I filed disputes with Discover for both charges. Discover refunded the {$100.00} but denied the {$380.00} dispute, which is inconsistent since both were unauthorized transactions made under the same circumstances. I am requesting a full refund of {$380.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CO

Complaint narrative:
I am submitting this complaint to request a formal investigation into inaccurate and unverified collection accounts currently being reported on my credit file. The companies involved are XXXX XXXX XXXX, which has reported a collection account to XXXX, and Southwest Credit Systems, which has reported a collection account to XXXX. Both accounts appear to be reporting the same balance of {$290.00}. I do not recognize this alleged debt and have never entered into any contractual agreement with Southwest Credit Systems or XXXX XXXX XXXX. I have never signed any contract or agreement with either of these third-party collection agencies that would create a legal obligation for me to pay them directly. The companies mentioned are : XXXX XXXX XXXX ( reported to XXXX XXXX Southwest Credit Systems ( reported to XXXX ) Often this happens when a single original debt gets sold or assigned to multiple collectors, or when one collector re-ages or reassigns the account. If two collectors are reporting the same debt simultaneously, that can potentially violate the Fair Credit Reporting Act. I am requesting full validation of the alleged account, including documentation identifying the original creditor, the complete account history, proof of assignment or transfer of the alleged debt, and documentation demonstrating that I have a legal obligation to pay this debt. Additionally, I have discovered that another collection agency is reporting the same balance on my credit file, which raises serious concerns about the accuracy and validity of this account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. Furthermore, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a consumer has the right to request validation of an alleged debt, and a debt collector must provide proper verification before continuing collection activities. Because I do not recognize this debt and have no contractual agreement with either collection agency, the reporting of this account without proper validation may constitute inaccurate or unverified reporting to consumer reporting agencies. If Southwest Credit Systems or XXXX XXXX XXXX can not provide sufficient documentation proving the validity of this debt, the identity of the original creditor, and their legal authority to collect and report this account, I request that the account be immediately removed from all consumer reporting agencies, including XXXX XXXX, and XXXX. I am requesting written confirmation that the disputed accounts have been investigated and permanently deleted from my credit reports if proper validation can not be provided. Thank you for your attention to this matter and for ensuring compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Multiple items are reflected on my credit report that I do not recognize to be mine including names, addresses, data breaches, and creditors. These items have negatively impacted my credit ratingoverall and ability to get new credit.

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 2026-03-06 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: TX

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

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 origin al 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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to formally dispute an account listed on my credit report under Columbia Debt Recovery with a reported balance of {$26000.00} and an opening date of XX/XX/year>. After reviewing my report, I have serious concerns about the accuracy of this account and the collection practices used in connection with it. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that may be inaccurate or unverifiable. I am requesting a full reinvestigation of this account and written proof that this debt has been properly verified. If the furnisher can not provide verifiable documentation proving the accuracy and ownership of this debt, the account must be deleted. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information reported on my credit file. Reporting an account that can not be properly verified would violate this requirement. Furthermore, the actions of this collection agency raise concerns under the Fair Debt Collection Practices Act. I have received repeated calls from blocked or No Caller ID numbers, often late at night around XXXX XXXX, and almost daily. I have also informed the caller that they are not permitted to contact me at my workplace, yet they have continued to do so. These actions appear to violate several provisions of the FDCPA, including : 15 U.S.C. 1692c ( a ) ( 1 ) Prohibits communication at unusual or inconvenient times, generally before XXXX XXXX or after XXXX XXXX 15 U.S.C. 1692c ( a ) ( 3 ) Prohibits contacting a consumer at their place of employment after being told such communication is not allowed. 15 U.S.C. 1692d Prohibits harassment or abuse, including causing a phone to ring repeatedly with the intent to annoy or harass. 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations in connection with collecting a debt. Because of these violations and the lack of proper validation, I am requesting the following : A full investigation of this account under 15 U.S.C. 1681i. Written verification of the alleged debt, including the original creditor, account documentation, and proof that the collector has the legal authority to collect it. Immediate deletion of the account if it can not be verified or if it was reported inaccurately. If this account can not be properly validated and verified in accordance with federal law, it must be permanently removed from my credit file. Please provide the results of your investigation within the time allowed by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: TX

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA 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 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Axela Technologies, Inc
State: NC

Complaint narrative:
I am requesting immediate release of the XXXX on my property. My account with XXXX XXXX XXXX management was sent to Schwartz Vays for collection on XX/XX/XXXX, while I was actively making payments. To avoid delinquency, I prepaid XXXX dues for XXXX XXXX ( Schwartz Collections ) and XXXX XXXX ( XXXX XXXX ). I was actively paying XXXX, XXXX, and partial XX/XX/XXXX, but was blocked from continuing payments after XX/XX/XXXX. My XXXX income is $ XXXX, covering only my mortgage and XXXX. XXXX refused a reasonable payment plan based on my income ; I began paying on my own in good faith. A mailed {$510.00} check on XX/XX/XXXX was returned. Schwartz Vays added a {$400.00} collection fee, the second such fee in XXXX year, and added improper late fees and interest.I was making consistent efforts to pay my balance under my current financial circumstances. Instead of receiving assistance or an opportunity to continue paying, the account was sent to collections, resulting in additional fees and interest. My balance has now increased to {$3300.00} without fee and interest, which is extremely difficult given my XXXX inc. My property was placed under XXXX despite active payments.

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 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received an offer and Pre-Approval, with Capital One, for a XXXX XXXX Credit Card. However, upon submitting application, received a denial ; that indicated XXXX reason for denial. Denial : Based on information, we were unable to access XXXX or more of your credit bureaus ; therefore the application is denied. I immediately reached out to each credit bureau, to determine why and what each bureau showed on their end. I learned there was a fraud alert, on XXXX end. I requested it be removed. It was successfully removed. I have verbal and written confirmation. I received confirmation from Equifax that the fraud alert is officially removed. I also logged out and back into XXXX and my file was successfully updated. I checked all ( XXXX ) bureaus and I no longer had any alerts. Therefore, I reached back out to Capital One, to inform them I had the offer and preapproval however received a denial due to Capital one being unable you access XXXX ; however, has since had that corrected and has confirmation of No present alerts on any/all credit bureaus, and if they could kindly reconsider ; as that was the ONLY reason listed per Capital One, as to why I was declined, when previously pre-approved. Unfortunately, the Capital One representative & manager ( XXXX ) informed, There is nothing we can do, The decision is final. I informed Capital One, I felt discriminated against because I RECEIVED the Credit Card Offer, was literally Pre-Approved ; however, when fixing the XXXX challenge- Credit alert Lift, was still declined and no longer being presented the offer as it disappeared. Being treated as if I did not qualify and I did per prior record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding a payment plan that was applied to my Chase credit card account and the resulting restriction on my ability to use the card. My credit card has a {$2000.00} limit. Over the past year, I have maintained a high balance due to roommates moving out, but consistently kept the account active by making at least the minimum payments each month. Toward the end of 2025, my balance temporarily went over the limit due to unexpected expenses while I was in the process of securing a new apartment and moving with my XXXX toddlers. During that time, I received a notice stating that if I did not pay a certain amount by a specified date in XXXX, my card would be locked. The notice also mentioned an alternate option ; a XXXX payment plan option. I attempted to review and apply for this payment plan through the Chase app ; however, the page crashed during the process. I did not receive any confirmation that the payment plan had been approved or applied to my account. I also did not receive a confirmation email, notification, or agreement outlining the terms. Shortly afterward, I was able to pay down the over-limit amount, and eventually I paid the full balance on the account. Because my account was paid in full and my card had not been locked, I believed the matter had been resolved. However, when I later attempted to use the card, it was declined. When I contacted Chase customer service, I was informed that my account is currently restricted because I am considered to be enrolled in the XXXX payment plan. I was also told that I will not be able to use my credit card until the program ends. This was never clearly disclosed to me at the time of enrollment. I never received confirmation that I had successfully entered into this agreement, nor was I informed that participation in the program would completely prevent me from using the XXXX after paying the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
Validation of Debt Request - SPRING OAKS CAPITAL XXXX BANK - 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 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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
TRUEACCORD XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD 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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
I pulled a copy of my credit report and found that Jefferson Capital LLC. I don't recognize this debt and would like for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: TX

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