vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This complaint concerns unlawful collection and credit reporting practices by Portfolio Recovery Associates involving the same alleged debt being reported with different account numbers across multiple credit bureaus, without required written notice or lawful validation.

The alleged debt is reported as follows : XXXX XXXX PORTFOLIO XXXX XXXX Balance : {$660.00} Status : Collection XXXX XXXX XXXX : PORTFOLIO XXXX XXXX XXXXXXXX Balance : {$660.00} Status : Collection Although the balances are identical, the account numbers are materially different, indicating inconsistent and inaccurate reporting of the same alleged obligation. Furnishing the same debt under different account numbers across credit bureaus violates the requirement of maximum possible accuracy and prevents consumers from meaningfully disputing or validating the debt.

Separately and independently, I never received any written notice of this debt, including the initial notice required under FDCPA 1692g ( a ). I was not provided notice within five days of any initial communication, nor was I provided notice prior to credit reporting. Credit reporting constitutes collection activity. As a result, statutory damages of up to {$1000.00} are available for this violation alone.

I timely submitted a written request for debt validation well over 30 days ago. Despite this, Portfolio Recovery Associates has continued to report the account and has failed to provide any validation, in violation of FDCPA 1692g ( b ), which requires all collection activityincluding credit reportingto cease until validation is provided. 
REQUEST FOR PROPER VALIDATION To lawfully validate this alleged debt, Portfolio Recovery Associates must provide competent documentary evidence, including but not limited to : Proof of its legal authority to collect, including a complete chain of title from the original creditor The original contract or agreement bearing my signature A complete itemized account history, including all charges, payments, interest, and fees Documentation explaining the inconsistent account numbers reported across XXXX XXXX XXXX XXXX  Evidence that the debt was lawfully assigned and accurately attributed to me To date, none of this information has been provided.

Portfolio Recovery Associates conduct constitutes violations of : FDCPA 1692g ( a ) Failure to provide required written notice FDCPA 1692g ( b ) Failure to cease collection activity pending validation FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681s-2 ( b ) Failure to conduct a reasonable
investigation after dispute XXXX  XXXX Reporting Standards Prohibiting inconsistent identifiers and unverifiable data Reporting the same debt under different account numbers while failing to provide notice or validation demonstrates noncompliance, not clerical error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint concerning Equifax Information Services LLC and its handling of a credit report dispute associated with Confirmation Number XXXX, completed on XX/XX/year>. 

While Equifax indicates that a reinvestigation was conducted, the response provided fails to include sufficient detail to demonstrate compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Specifically, Equifax did not adequately disclose : The specific procedures used to determine the accuracy and completeness of the disputed information ; Whether original source documentation was reviewed or whether verification relied solely on automated or electronic certification methods ; and The full name, address, and telephone number ( where reasonably available ) of each furnisher or source of information contacted during the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
A government unemployment benefit payment from XXXX dated XX/XX/year> for {$600.00} was deposited into the wrong bank account. I requested recovery, but XXXX has not initiated or documented a formal reclamation. I am requesting assistance to ensure proper recovery procedures are followed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In XXXX of last year, I had my XXXX XXXX picked up because I couldn't pay it anymore. I've lost my job and couldn't afford it. Toyota Motor Credit accepted my voluntary repossession then a tow truck was send to get it. I was told by the agent once it sells, I would received a detail contract that would include the date of the sale, the amount it was sold for and how it would be applied to my balance for repayment.

2 months went by and I had received nothing regarding my loan so I called. 

XXXX had no answers for me. The rep told me my loan had been sold to one of their third party companies for collections. I asked for their information and he gave it to me and called the collection agency.

The third party agency was called XXXX XXXX. 



After months of waiting, they told me XXXX had not send them the details of the sale or anything for that matter, apologized for the delay and " assured '' me he was going to escalade it to his Supervisor to contact XXXX for the details I was looking for which was I was promised. 

Almost 5 weeks went by, no contract or contact with me so I called again.

Same thing, different day.

They must have a script as every subsequent call stated the same message to delay my rights to have a valid and detail contract about my loan.

It always went like this. " Im so sorry about the that but rest assured, I will forward this to my immediate Supervisor to get it done for us. '' Is there anything else I can help you with?

I've called 5 times in 10 months and I have not received anything until 10 days ago that looks like the last page of your personal bank statement. It shows one date and a balance. None of the other equally important informationm Im going to provide the document here when I upload it. Its not a contract, it has no details about the sell of my car, interest accrued or any details, just a date and a balance after 9 months of CHASING THEM to pay them.

I still dont have a contract. I still haven't a clue of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am submitting this complaint regarding American Express and its handling of my Delta American Express credit card benefits after closing all of my accounts. American Express placed all of my accounts on hold and then closed them, despite my being in good standing for more than 20 years. As a result, I no longer have an active American Express card. However, I had already paid the annual fee for my Delta American Express card, whose primary benefit is the annual Delta Companion Certificate.

The Delta Companion Certificate is currently visible and valid in my Delta
SkyMiles account and is set to expire on XX/XX/year>. Delta has confirmed that in order to redeem the certificate, the required taxes and fees must be paid using an American Express card. Because American Express closed all of my accounts, I am unable to use the certificate. Delta has advised that it can not override this American Express requirement.

As a result, I paid an annual fee for a benefit that I am now unable to use through no fault of my own. American Express has effectively denied access to a paid card benefit while retaining the annual fee. This has caused me financial harm and loss of value. I have also experienced related losses with other co-branded programs, including Hilton Honors, due to the account closures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
im notsure if this should be a case sueingchase bank instead or not. 
Ill try to make it short.So i opened my account at chase bank in XX/XX/year> where i made a XXXX deposit. So in XXXX i noticed some transactions from online casinos i didntauthorize. I ended up getting that money back and was issued a new card but not a new account number. so i told the bank i did not gamble online and to my surprise these transactions continued. the bank also told me that ach transfers were coming out as well. so why i did not get a new account number is beyond me. so i ended up having some major surgeries and told the bank i would be healing from that. that was in XXXX. After healing for quite some time i was finally able to check my account and realized these transactions never stopped. i lost thousands and thousands of dollars to XXXX XXXX XXXX XXXX XXXX XXXX and a couple others. XXXX XXXX XXXX took the most money by far. so chase bank denied all my claims. one reason i was given was because not all transactions from a merchant were included in the claim. which has nothing to do with me i'm not the one able to even file the claim. Another reason was just they couldntget the money back. I have requested multiple times for documents stating how they investigated the claims and have yet to receive anything. I was even told i could have them reinvestigate the claim if i called the next business day. next day i called they told me they closed my account and there is nothing they could do. i also asked multiple times to update my phone number in XXXX before i had XXXX but couldn't get anyone to do it for me. chase bank also wont give me any info on these merchants. vgw gold coin was able to charge me XXXX at a time back to back. which is insane. 


i want my money back from the online casinos, especially XXXX XXXX coin which has taken the most money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
XX/XX/XXXX : I made a payment to a collection agency acting on behalf of Velocity Investments , LLC after being offered a settlement. I received written confirmation stating the account was settled in full, with a remaining balance of {$0.00}. 

XX/XX/XXXX : The written settlement confirmation identified Velocity Investments , LLC as the current creditor and did not disclose that multiple accounts were being collected or that the settlement was limited to only one account. 

After XX/XX/XXXX : No communication was provided advising that any additional account remained unpaid or that the settlement applied to only a portion of the debt allegedly owned by Velocity. 

XX/XX/XXXX : Wage garnishment activity was initiated by a law firm acting on behalf of Velocity regarding an alleged remaining balance. 

XX/XX/XXXX : I contacted the law firm and was informed that the prior settlement payment applied to a different account and that another account remained subject to collection and garnishment. 

XX/XX/XXXX : Velocity Investments responded to a complaint stating that it owned two accounts and that the settlement applied only to one, despite no such limitation being disclosed prior to payment. 

XX/XX/XXXX : I filed a motion with the court disputing the continued collection and garnishment based on the prior settlement in full. A court hearing was scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear Sir/Madam, I regularly travel between XXXX and XXXX  and primarily use XXXX XXXX for my travel. I am also an existing XXXX Citi Bank cardholder. 

I have attempted to apply for an XXXX XXXX AAdvantage credit card, but my application has been declined each time after a credit check on my SSN. I applied on XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. 

During a recent flight, I was provided with a promotional code by the XXXX XXXX inflight team and attempted to apply again using that offer ; however, the application was declined again on XX/XX/XXXX. 

I am only having 1 credit card in my name and the other two cards i hold are add on cards from my husband 's account. So i am not understanding the reason for rejecting my credit card application repeatedly despite of having a good credit score and less no of credit checks.

I have requested the citi bank to review my application and advise if any additional information or documentation is required from my side to support approval but haven't heard from them so far. I would greatly appreciate your assistance in helping resolve this matter.

if it is not possible to approve, i am requesting CITI Bank to remove the 3 credit checks on my SSN as this is impacting my credit score unnecessarily. For every check it costed me almost XXXX points dip in my credit score. 

Thank you for your time and consideration. I look forward to your guidance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MA

Complaint narrative:
I am submitting this complaint regarding an auto loan with Westlake Financial related to a vehicle that was returned to the dealership due to serious undisclosed mechanical defects. 

On XX/XX/XXXXXXXX XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in Massachusetts. The dealership itself took the vehicle for the mandatory inspection. On XX/XX/XXXXXXXX XXXX the vehicle would not start. I immediately contacted the dealership, and the owner arranged for the vehicle to be taken to a repair shop. 

On XX/XX/XXXX, the vehicle was returned to me, and I was told that a part had been replaced. However, from that point forward, the vehicle experienced continuous mechanical problems. Each issue was reported to the dealership owner via phone calls and XXXX messages. 

The vehicle remained in repair for approximately one week, but when it was returned, the same problems continued. In XX/XX/XXXX, the vehicle became unsafe to operate when it failed to accelerate properly while entering a highway, creating a serious safety risk. Once again, the dealership took the vehicle to a repair shop and later returned it, guaranteeing that the issues had been resolved. 

Due to ongoing concerns, I took the vehicle to an independent mechanic of my choice. After a full inspection, the mechanic identified numerous serious mechanical defects, including issues with the emissions system. I received a written inspection report and a repair estimate totaling approximately {$8400.00}. 

I returned to the dealership, presented the inspection report, and requested cancellation of the sale due to undisclosed defects. The dealership agreed to cancel the sale. 

On XX/XX/XXXX, I returned the vehicle to the dealership in person. At that time, the dealership refunded my down payment of {$2400.00} and agreed to pay off the auto loan and remove the debt from my name. 

Despite the vehicle being returned and the sale being rescinded, the loan with Westlake Financial remains active. I continue to receive billing statements and charges for a vehicle that I no longer possess. This situation is placing my credit score at serious risk. 

I have repeatedly requested written confirmation of the loan payoff and account status. No payoff confirmation or lien release has been provided. Instead, the dealership has attempted to pressure me into signing a broad Power of Attorney as a condition for resolving the loan, which I refused to sign due to safety and legal concerns. A Power of Attorney is not required for a dealership to pay off an auto loan. 

I am formally disputing this account and requesting that Westlake Financial immediately block further billing, fees, and any negative credit reporting related to this loan while this matter is under review. 

I respectfully request that this loan be resolved, paid off by the dealership as agreed, and fully removed from my name and credit history with no negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I previously submitted a CFPB complaint against this servicer regarding my loan payoff and escrow funds. Although that complaint was closed, the servicer has still not provided the documentation I have repeatedly requested specifically, a complete escrow account history, which I am entitled to under RESPA. 



Despite multiple requests over several months, the servicer has only sent me what appears to be a loan transaction ledger, not the escrow account history itself. This ledger does not show actual escrow account deposits, disbursements, balances, or the escrow analysis for XXXX. It also does not include the XXXX county property tax bill or any documentation showing how much was actually paid from my escrow account for property taxes after my homestead exemption was applied. 



I sold my home in XX/XX/XXXX. Throughout the year, the servicer continued collecting escrow funds based on the prehomestead exemption tax amount from XXXX. Since I was approved for the homestead exemption for the XXXX tax year, my XXXX property taxes should have been significantly lower, which means the servicer likely collected excess escrow from me for the portion of the year I owned the home. 



Because I no longer owned the property at the time the XXXX tax bill was issued, I never received a copy of the bill and therefore have no way to verify : what the XXXX taxes were with the exemption applied, how much the servicer actually paid out of escrow, and whether there was a surplus that should have been refunded to me after payoff. 



Without the full escrow history and XXXX escrow analysis, I can not determine whether the servicer owes me additional escrow refunds or if the payoff amount was calculated correctly. The servicer has not complied with repeated requests and has not fulfilled its obligations under RESPA to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bought a new device and got a new number XX/XX/XXXX. I have called the bank to get a one time code to be able to log into my account XX/XX/XXXX as that was the only thing I needed to continue the log in, They advised I needed to go into the brand to verify myself with form of ID. That Saturday the XXXX went inside the branch and handed them my ID, They verified it and they were able to update my number to the new number on their end. Then all of a sudden my password expired. When I was able to pass that request when using the app all I needed was the code. So the bank teller told me to call customer service and speak with chase customer service while in the bank because the bank teller said she couldnt wait long on hold. I spoke with the customer service and placed it on speaker as the customer service person said I needed to eat 24 hrs and then call customer service number again to get that one time code. I confirmed I did not have to go to a branch to do this one time code. Both the bank teller and customer service said no, it will all be done over there phone. I have still have not been able to get logged in, I called customer service today XX/XX/XXXX and they said they arent able to help me with the one time code but to call in 24 hrs. But more than likely I would have to go to the branch to get this fixed. I spoke with XXXX a supervisor regarding this and he attempted to send a one time code and then said he wasnt able to help and to call back in 24 hrs. I mentioned how this is a HUGE inconvenience not being able to access my bank account and having to drive to a branch to get told they cant help either. I request a credit compensation due to the inconvenience and he said no they dont do that. Only if I was in debt they can. I dont see how its only for those who arent on top of things and who cant pay their debt off they are able to get credited. I requested a higher up and he said he will make the complaint. I said what is the reference number to the call, he said he doesnt have that since it kicked him out of my account. So I said how would you have made a complaint on my account if you werent accessed to it. He couldnt answer that. I requested a complaint number which he gave me XXXX not sure if this is a fake complaint number or its legit. I hope you can understand my frustration as I need to have access to my account to be able to pay my bills, mortgage and get a hold of my savings if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: LA

Complaint narrative:
Company : LoanCare , LLC Loan Number : XXXX Property : XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Complaint : Following a completed foreclosure sale that fully satisfied the debt, I am requesting documents I am entitled to receive under Paragraph 28 ( Cancellation ) of my mortgage. 

Specifically, I request : The original paraphed promissory note marked Paid in Full, Despite written requests, LoanCare has not provided either document or identified the custodian of the original note. 

Please require LoanCare to respond and provide the requested documentation.

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