vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: OR

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX because XXXX continues to treat a fraudulent XXXX XXXX XXXX XXXX loan as valid despite new, material evidence from XXXX XXXX proving that the XXXX XXXX account XXXX relied on was also fraudulent and not mine. XXXX previously responded to my identity-theft complaint and stated that its investigation remained unchanged. In its response, XXXX claimed that the loan proceeds were disbursed to a XXXX XXXX checking account ending in XXXX, and that payments were made from that same XXXX XXXX account. XXXX also stated that XXXX allegedly returned my name on that XXXX XXXX account. XXXX relied on this information as the basis to conclude that it could not substantiate my identity-theft claim. However, XXXX XXXX has now completed its own identity-theft investigation and issued a letter dated XX/XX/year>, under Claim No. XXXX. In that letter, XXXX XXXX confirmed that the fraud claim involved accounts ending in XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX XXXX specifically confirmed that I did not open or have knowledge of those XXXX XXXX accounts and that XXXX XXXX released me from any financial liability associated with those accounts. This directly contradicts XXXX investigation. The XXXX XXXX account ending in XXXX is the same account XXXX relied on to deny my identity-theft claim. XXXX used that account as alleged proof of loan disbursement, payment activity, identity verification, and account control. But XXXX XXXX, the actual bank, has confirmed that the account was not opened by me, was not known to me, and was part of my identity-theft claim. Because the XXXX XXXX account ending in XXXX was fraudulent, it can not be used as proof that I authorized, received, controlled, or benefited from the XXXX loan. Any alleged loan proceeds sent to that account do not prove I received the funds, and any alleged payments made from that account do not prove I authorized the loan. The underlying bank account itself was fraudulent. XXXX own response stated that if I provided new, materially different information calling the authorization evidence into question, such as bank documentation showing that the XXXX XXXX account ending in XXXX was fraudulently opened or controlled by an unauthorized third party, XXXX would promptly review that information. I now have exactly that evidence from XXXX XXXX. Despite this, XXXX has not deleted or suppressed the fraudulent account from its systems, has not corrected its findings, and has not confirmed that it notified Velocity Investments , LLC, the debt buyer that allegedly purchased the account, that XXXX prior conclusion is contradicted by XXXX XXXX fraud determination. This account was opened fraudulently, and XXXX XXXX XX/XX/year> letter proves that the bank account XXXX relied on was also fraudulent. XXXX continued reliance on that account is unreasonable, inaccurate, and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX XXXXe and their collections agency, Associated Credit Services , Inc. ( ACS ), regarding an improper debt collection of {$1400.00} related to Order # XXXX. FACTS OF THE MATTER : 1. ORDER DETAILS Order # XXXX placed XX/XX/XXXX XXXX XXXX XXXX XXXX Total of 10 memberships purchased ( XXXX XXXX XXXX XXXX XXXX ) Initial payment of {$300.00} made via XXXX on XX/XX/XXXX XXXX. MEMBERSHIPS WERE NEVER USED While we did visit the park paying separately for admission, the memberships themselves were never activated or used All memberships show Scan Date : N/A in XXXX XXXX ' own records confirming this Not a single membership was ever scanned at any XXXX XXXX location Members include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 . MULTIPLE CANCELLATION ATTEMPTS IGNORED I attempted to cancel the memberships multiple times starting XX/XX/XXXX XXXX XXXX repeatedly failed to process my cancellation requests Memberships were not cancelled until XX/XX/XXXX 5 months after purchase I never received any response or confirmation of my cancellation attempts 4. EMAIL NOTIFICATION FAILURE The email address on file ( XXXX ) is a dedicated business email used exclusively for business operations This email is not used for personal communications and is not actively monitored for personal matters All billing notices, past due notices, and collection warnings were sent to this business email without my knowledge I only discovered this collection recently when reviewing my credit report While the email address technically belongs to me, it was not a suitable or effective means of personal notification XXXX XXXX and XXXX failed to establish proper communication despite having my phone number on file : XXXX 5. IMPROPER COLLECTION AMOUNT XXXX XXXX is claiming {$1100.00} cancellation fee + {$30.00} late fee This cancellation fee is for memberships that were NEVER activated or used ( N/A scan dates on all items ) Charging a cancellation fee when the consumer attempted to cancel multiple times and memberships were never used is an unfair and deceptive practice 6. CREDIT REPORT DAMAGE XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reported this collection to all three credit bureaus This is negatively affecting my credit score despite the debt being disputed XXXX refused to issue a pay-for-delete agreement during our phone conversation today REQUESTED RESOLUTION : Immediate removal of this collection from all three credit bureaus ( XXXX, XXXX, XXXX ) Full waiver of the {$1400.00} collection balance Investigation into XXXXXXXX XXXX XXXX cancellation practices and failure to use available phone contact information I have attached Order # XXXX documentation showing N/A scan dates on all memberships as supporting evidence. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: NC

Complaint narrative:
On XXXX XX/XX/year> I was XXXX and XXXX by a girl her name is XXXX XXXX XXXX XXXX, she used my XXXX to send money to herself using remitly app, I filed a police report in XXXX and USA in the police report clearly stating the time I was robbed her name and stating that my XXXX and wallet were stolen after I filed a dispute with remitly they denied my request and not even talking to me or giving me someone from management to explain to me the reason the NC law protects and say I have to be treated fairly and respected, I m not treated fairly from remitly I would like you to follow up with this company I want to get a refund back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Re : Credit Report Dispute To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report regarding the following account : XXXX XXXX Account Number : XXXX I dispute the accuracy and validity of this collection account for the following reasons : - The reported balance has increased from the original amount of {$1100.00} to {$1300.00} without proper explanation or supporting documentation. - The reporting information appears inconsistent regarding the account status and update dates. - I request verification that this debt is accurate and that the collection agency has legal authorization to collect it. - I request a complete breakdown of the balance, including any added fees, interest, or charges. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be fully investigated and that any inaccurate, incomplete, or unverifiable information be corrected or removed from my credit file. Please provide written confirmation of the results of your investigation. Thank you for your prompt attention to this matter. Sincerely, mg XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital is trying to collect a debt that they are stating they are the original creditor which they are not. They have not provided me with a legal signed contract between myself ( XXXX XXXX ) and Jefferson Capital reason being there is not one. What Jefferson Capital is trying to collect is a debt they purchased from XXXX XXXX. I did not have a contract with XXXX nor did I have a contract with Jefferson Capital

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We have a XXXX XXXX XXXX credit card through Chase bank. We are allotted free baggage and should not be charged fees. We were also forced to pay for bags at the airport which was an overcharge we should been refunded for immediately. In XX/XX/year>, XXXX XXXX put through a refund of {$280.00} for all of the bags fee for a trip we took that month. They keep saying the refund was posted back to out XXXX XXXX XXXX credit card. There is an issue on credit card end ( Chase bank 's end ) as the refund has not shown up on our statement. Chase Bank has not been helping to identify the issue as I keep calling them and putting in inquiries. They keep sending letters to me saying to contact XXXX XXXX for a refund- which has already been done! XXXX XXXX keeps saying the refund has been issued and to contact XXXX XXXX XXXX credit card ( Chase bank ). Chase bank is of absolutely no help and not following through. They owe me the refund!! I will take them to small claims court if I have to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi and XXXX XXXX advertised a {$200.00} discount for applying for the Citi AAdvantage credit card during XXXX checkout and using the new card for the purchase. I applied through the checkout page, was approved instantly, but Citis system failed to provide an instant card number. This system error prevented me from redeeming the offer. I had to purchase the flight with my personal card to avoid losing the fare, and I lost the {$200.00} benefit through no fault of my own.

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 2026-05-11 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: CA

Complaint narrative:
XXXX XXXX sent an " Account Transferred to Litigation Department '' letter on XX/XX/year>. Debt now owned by Portfolio Recovery Associates. XXXX XXXX XXXX XXXX XXXX, is the Counsel for them. I've sent multiple, timely " Debt Validation Request '' letters to both parties and I keep receiving the same inadequate information from Portfolio Recovery Associates, including generic bulk bills of sale and old statements. They have not provided a signed contract, full itemization, or account-specific ownership proof. Letters sent out on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both Portfolio Recovery Associates and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: VA

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 2026-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
Audit & Adjustment filed a lawsuit against me for a medical debt that was not brought to my attention previously. I was only aware of a dispute over a vision exam bill that my insurance company was not paying, due to perceptions that my primary insurance had vision coverage which it did not. They state they made an attempt to reach me via a single letter correspondence a year ago that I did not received, and then made phone calls but to my phone that is blocked to spam calls. They made no further attempt via letter or sending a certified letter. The medical account that they are representing did not show any out standing owed balances, and no way for me to pay any owed balances. What they did do was send a XXXX XXXX XXXX to my home after XXXX at night who woke up me and my children by banging on the windows and doors in the dark, to a point that they were crying thinking we were being XXXX, with me a XXXX mom and no ability to defend them. They did not sleep the rest of the night and now are having nightmares about men coming to the home to XXXX them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: FL

Complaint narrative:
I am disputing a collection account reporting under TrueAccord XXXX for XXXX XXXX XXXX. The account is reporting on my XXXX credit report with a balance of {$180.00}, date opened XX/XX/XXXX, date updated XX/XX/XXXX, and estimated removal date XXXX/XXXX. The report lists the pay status as Collection and the remark as Placed for collection. It also does not show a phone number for the collection agency. I have not received proper written notice or validation of this alleged debt. I am disputing the balance, original creditor information, current creditor information, ownership, date of first delinquency, and TrueAccords authority to collect or report this account. I am not asking for a generic response. I am requesting actual documentation showing that this debt is valid, belongs to me, is being reported accurately, and that TrueAccord has the authority to collect and report it. Under 15 U.S.C. 1692g and 12 C.F.R. 1006.34, debt collectors are required to provide validation information. Under 15 U.S.C. 1681s-2, furnishers must report accurate and complete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I contacted Navy Federal Credit Union in an effort to resolve a charged-off account. During this interaction, I was provided with a balance amount that does not match the amount currently being reported on my credit report ( {$1700.00} ). This inconsistency makes it impossible for me to accurately determine what is actually owed and raises concerns about the accuracy of the information being furnished to the credit bureaus. I am attempting to resolve this account in good faith ; however, I can not proceed while the balance being reported is inconsistent with what I have been told directly by the creditor. I am requesting that Navy Federal Credit Union provide a full accounting of the balance, correct any inaccurate reporting, and ensure that all information reported is accurate and verifiable in compliance with the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX handling of an alleged debt account, their failure to provide requested validation, and continued threatening collection activity through a third party despite my dispute. Approximately one month ago, I formally disputed the alleged debt and requested written validation. Since that time, XXXX XXXX XXXX has failed to provide any meaningful response, documentation, or validation of the debt. Every attempt to contact the company results only in voicemail. Representatives are rarely available, and the voicemail box is frequently full, making communication nearly impossible. I work during banking hours and have limited opportunities to call, yet the company has made no reasonable effort to communicate with me or resolve this matter. Before I was ever able to successfully speak with XXXX XXXX XXXX, I began receiving threatening collection calls from XXXX XXXX regarding alleged legal action tied to this account. After eventually reaching a representative at XXXX XXXX XXXX, I was told to ignore XXXX XXXX and was informed it was not likely I would actually be sued. The representative also stated XXXX did not yet even have access to my account in their system and implied XXXX XXXX was essentially attempting to strong arm payment. This has created significant confusion and concern regarding the legitimacy and handling of this alleged debt. On one hand, a third party was threatening legal action, while on the other hand XXXX XXXX XXXX own representative indicated they did not even have account access and downplayed the legal threats. Despite my formal dispute and validation request over a month ago, no proper validation has been provided while collection pressure and threats continued. I believe the companys conduct has been deceptive, unprofessional, and potentially in violation of the Fair Debt Collection Practices Act. I have acted in good faith and attempted repeatedly to resolve this matter responsibly, but XXXX XXXX XXXX has failed to provide even basic communication or required validation. Due to the companys failure to validate the debt, failure to maintain proper communication, and the threatening and contradictory conduct surrounding this account, I no longer consider this company trustworthy or capable of properly servicing this account. I am maintaining records of my communication attempts and the collection activity related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: Paypal Holdings, Inc
State: ID

Complaint narrative:
paypal has terrible support. doesnt answer the questions then lies to cfpb and tells them they are not the proper company??? they charge me MORE than whatever im buying and the charge wont go through unless they charge more than the charge actually is for them to reverse the overcharge later??? if im trying to spend {$5.00} on paypal their system charges me for {$1.00} and then {$5.00} and then returns the {$1.00} some other day. so i need {$6.00} in paypal to spend {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America is holding {$15000.00} from my small business after I sent in all requested info. Staring XX/XX/year> I have collected payment from my retail and wholesale customers for XXXX XXXX products I am selling on our XXXX XXXX and have not got paid. XXXX referred my account for risk review, and I got an email from them asking for information related to my business and randomly picked transactions ( including transactions I already got paid from them ). I provided my clear answer and provides all proof of purchases from customers. BOA Rep called me and we did not have a good conversation, after that she requested more docs, I sent her everything she asked for. However, She turned around and said she decided to close my account and hold my funds for a minimum of XXXX days, and she mentioned she did not accuse my small business is fraud. However, I logged onto my account and saw they referred my business as " Merchant Payment fraud '' even though I provided all proof of purchases from customers and receipts are sent and tracking number through text conversations to show customers already received all items in hands. I asked her for a specific reasons and time frame and she said she could not disclosed. I asked her to send info to me via BOA secured email portal and until today I have not received anything. I also tried to call Merchant Customer Service and they said funds are hold for up to XXXX days and nothing they can do. BOA has failed to provide clear details and timeframe to their customers which cause huge problems for my business. I don't have funds to buy new merchandise and short on funds to pay my business loans. Also mismatch information provided by BOA ( XXXX said minimum of XXXX days hold, and XXXX said up to XXXX days hold ), and also no detail reasons provided will cause customers not to trust them. This is unfair business practices. I have been in business for XXXX years with XXXX charge backs so they can not call us high risks. I sent out an email offered to send in more docs if needed but they never responded to my email.

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