vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing in response to your collection efforts regarding the above-referenced account. I formally dispute the validity and accuracy of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). Please provide proper validation of this alleged debt, including : 1. The name and address of the original creditor 2. The amount of the alleged debt, including an itemization of fees and interest 3. Documentation showing I am legally obligated to pay this debt 4. Proof that your company is authorized to collect on this account 5. The date of alleged default and payment history 6. Verification that the debt is within the applicable statute of limitations Additionally, pursuant to 15 U.S.C. 1692c ( c ), I request that you cease telephone calls, text messages, and electronic communications to me regarding this matter. Please communicate with me in writing only. If this account is being reported to any consumer reporting agency, I request that you investigate the accuracy of the information being furnished. Reporting inaccurate or unverified information may constitute violations of the FCRA, including 15 U.S.C. 1681s-2. Furthermore, under Regulation F, 12 CFR 1006.34, consumers are entitled to validation information regarding alleged debts. If your company can not provide sufficient validation, I request that all collection activity cease until proper verification is provided. This letter is not an acknowledgment of liability, nor is it a refusal to pay. I am exercising my rights under federal law to request validation and dispute this account. Please provide all requested documentation within the time allowed by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/year> I ordered a package deal of luggage from XXXX XXXX. The advertising claimed it would be sent within 3-5 days. Unfortunately, the last and most important piece of the luggage package was NOT received until XX/XX/year>. I received other smaller pieces of the luggage package piecemeal throughout the five-week period but I needed it for a two-week trip much earlier than XX/XX/XXXX. Since the luggage didn't arrive before my trip, I had to buy other luggage from another company for my trip. They eventually sent me an email saying that there were delays because of customs and encouraged me to trade my original request for an alternative product since it was in the US and they could deliver within 3-5 days. I opted for this option since I was desperate for my luggage, but another couple of weeks passed, and still nothing. I sent multiple emails with no response. Their website spoke of a live chat, but I looked everywhere and didn't find it. This company continues to misrepresent itself and avoid accountability and communication with its customers. I am desperate. They also need " truth in advertising. '' You shouldn't continue to sell a product that you know you can't deliver as promised. After I reported XXXX XXXX to the Better Business Bureau, I was given the name of XXXX XXXX to contact. I started working with him by phone and text. He told me he was unable to process the return until the final piece of luggage was received. After it arrived on XX/XX/XXXX ( five weeks later, not 3-5 days later ) I informed him that I had the entire package. He then sent me three UPS labels to return the entire package, which I did. I attached proof of delivery for each of the three UPS return labels he sent me to this form below. Unfortunately, he only did a partial refund. This is what I wrote to him : " Also, why did you NOT cancel the entire loan when I sent everything back to you? As you will see in this Affirm statement, you only adjusted {$160.00}, but still left {$470.00} for me to pay when I returned EVERYTHING. I should be refunded the {$100.00} already paid, and the rest of the loan should be canceled since I returned everything. I just received notice from Affirm.com that they are going to report me to all three credit bureaus on XX/XX/year> for not paying my loan when XXXX assured me that everything would be cancelled and refunded upon return of the luggage. Please, what is going on? I am attaching the statement from Affirm.com so you can see more clearly what happened. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TN

Complaint narrative:
Heres a strong CFPB complaint message you can submit. I also included references to your certified mail proof and debt letter. I am filing a complaint against Hunter Warfield regarding an alleged debt they reported to the credit bureaus. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation and verification of this debt after receiving their collection notice dated XX/XX/year>. I mailed my dispute and request for verification through certified mail on XX/XX/year>. Despite receiving my request, the company failed to provide sufficient verification or competent evidence proving that I legally owe this debt. They also failed to provide documentation such as a signed lease agreement, payment ledger, itemized charges, or any contract bearing my signature establishing liability for the amount being reported. Even after my formal dispute and verification request, Hunter Warfield continues reporting this account on my credit reports, which is damaging my creditworthiness and causing financial harm. Under the FDCPA and Fair Credit Reporting Act ( FCRA ), a debt collector must properly investigate and verify disputed information before continuing collection activity or credit reporting. Reporting unverified debt information is inaccurate and unfair. I am requesting that : XXXX. Hunter Warfield immediately delete this account from all credit reporting agencies. XXXX. They cease all collection activity unless they can provide full legal verification of the alleged debt. XXXX. The CFPB investigate their failure to comply with federal consumer protection laws. Attached are copies of : * The original debt collection notice. * Certified mail receipt. * USPS proof showing my verification request was mailed. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have had my home for 3 years now. The original lendor sold the loan to a new company ( Loancare ) and they are horrible. I am now 90 days past due on my mortgage. I have been paying every month but am behind and have been behind. it was 60 days behind, but now that it has slipped to 90 days. I have reached out to them multiple times to ask for assistance from them ( Loancare ). Hoping they could consider the most recent payment as current, and add the 3 months to the end of the loan ( As many Lendors do ). But they will not. I even mailed in my last payment and they return it to me and will not acccept it. Said I have to make 3 full payments for them to accept it! I have never heard of that ... a company that wants my money but will not accept it. Insane. I want to get caught it but they will not work with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
Consumer : XXXX XXXX | XXXX XXXX XXXX XXXX, XXXX, GA XXXX Reference No. : XXXX | Original Creditor : XXXX XXXX | Amount Claimed : {$2100.00} I am filing this complaint against Diversified Adjustment Service XXXX XXXX for attempting to collect a disputed, inaccurate debt in violation of the Fair Debt Collection Practices Act ( FDCPA ). XXXX. Debt Is Fully Disputed The underlying XXXX XXXX account contains systematic billing errors including an invalid XX/XX/XXXX bill for service that did not begin until XX/XX/XXXX ; unauthorized lines ( XXXX and XXXX ) generating charges I never authorized ; duplicate XXXX billing ; wrongful reconnection fees ; and unresolved service credits for data failures spanning XXXX and XX/XX/XXXX. The {$2100.00} balance being collected does not reflect a valid or accurate debt. XXXX. Debt Validation Request Ignored FDCPA Violation On XX/XX/XXXX, I sent a formal written debt validation request to Diversified Adjustment Service via email to XXXX, requesting a full itemization, original contract, account history, and documentation establishing me as the responsible party. It has now been nearly 60 days with no substantive response. FDCPA Section 1692g requires debt collectors to provide verification upon written request. Continued collection activity on an unverified, disputed debt is a federal violation. XXXX. Failure to Mark Account as Disputed My XX/XX/XXXX letter explicitly demanded that this account be marked as disputed with all consumer reporting agencies immediately. To date I have received no confirmation that this was done, in further violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: VA

Complaint narrative:
Someone took out a bunch of Klarna pay later accounts in my name abs my bank account was hacked into, I didnt take any loans out with Klarna never did business with them how I found out was they were taking money out of my checking account for months and I didnt notice it until I pulled my credit report and seen it on my credit report then I audited my bank account and saw a bunch of little payments coming out for months, they need to credit my bank account for all the money they took and they need to remove all these Klarna accounts off my credit report, they dont verify nobody they just give out these loans and none of these loans are mine I want this fixed now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a complaint regarding a {$4.00} charge added to my Synchrony credit card account after I paid the account balance in full before the statement closing date. The card does not have an annual fee, and the account was fully paid off. Despite this, an additional {$4.00} charge was added afterward. I contacted the company for clarification and remain concerned about the accuracy and fairness of this charge. I am requesting a review of the charge and an explanation of why additional fees or interest were assessed after the account was paid in full.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
on XX/XX/XXXX I received a letter from Citi concerning a balance on a Citi XXXX XXXX card. I immediately called the number on the letter ( XXXX ) to report that I do not own a citi XXXX XXXX card. They explained that I applied for the card and that it was sent to my address, which I never received, and that there was a XXXX dollar balance on it. I asked them to immediately put a hold on that card because I did not apply for it nor did I receive a card. they were supposed to put a hold on the card and do an investigation on XX/XX/XXXX XXXX. On XX/XX/XXXX I received there response, they concluded that a card was mailed to my address along with statements so there for it's my debt. Also the debt is ow over XXXX dollars despite my asking them to put a hold on the card. I again called on on the day i received there response ( XXXX ) they told me the same thing they will put a hold and do an investigation. I did not apply for this card, and if I had there wouldn't be a problem with payment as I have never been late much less refused to pay my debts.I think Citi should quite being lazy and do a legitimate investigation into this matter and stop trying to get me to pay for someone else 's debt. They should have put a hold on this card the minute I told them it wasn't mine, instead they have let this fraud continue. they have sent my information to capital management services who are threatening to ruin my life long credit in pursuit of payment.

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
My friend from back home sent me {$190.00}, then i recieved {$180.00} and a permanent banned from the app they told me the reason is not disclosed with the customers, and they are not gon na provide me with a reason, the money was refunded to my friend by me, but i got a permanent banned with no provided reason, no help at all, and there won't be an option for me to appeal this permanent banned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems regarding an account they are reporting and/or attempting to collect that I do not recognize and do not believe belongs to me. On XX/XX/year>, I mailed Jefferson Capital Systems a formal debt validation request disputing the alleged debt and requesting documentation to verify their claim. Specifically, I requested proof that they have the legal authority to collect this debt, a copy of any signed agreement bearing my signature, a complete account history, and documentation showing how the balance was calculated. To date, I have not received any response, validation, or supporting documentation from Jefferson Capital Systems. I am not aware of this account, I never entered into any agreement with Jefferson Capital Systems, and I have never received any prior correspondence, statements, contracts, or notices that would establish that I owe this debt. Despite my good-faith effort to dispute and verify the account, the company has failed to provide the information necessary for me to determine whether this debt is legitimate. As a consumer, I believe I have the right to receive proper validation of an alleged debt before it continues to be reported or collected. The company 's failure to respond to my dispute has left me unable to verify the accuracy of the account and has caused significant stress, anxiety, and concern regarding my financial reputation. The continued reporting of an account that has not been properly verified is harming my creditworthiness and negatively affecting my ability to obtain credit on fair terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: Chime Financial Inc
State: TX

Complaint narrative:
I purchased XXXX fishing reels what I got was XXXX empty box inside of a shipping box that was way too small to hold the fishing reels and the shipping weight on the label is less than the fishing reels and secondly it looked to have been retaped. I tried to reach out with no answer so I disputed it on my card and they are not helping me at all the guy on the phone actually told me too bad we wont do anything to help protect your money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATE XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide the following : 1. The name and address of the original creditor 2. The full account number associated with the alleged debt 3. A copy of the original signed agreement or contract 4. A complete payment history, including all charges, fees, and interest 5. Proof that your company is authorized to collect in my state 6. Proof that I am legally obligated to pay this debt Until you provide proper validation, you must cease all collection activity and reporting to credit bureaus. If this debt can not be validated, you must remove it from my credit report and cease collection efforts immediately. I also request that all future communication be in writing only. This is not a refusal to pay, but a request for validation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My tax refund was deposited into a bank account that XXXX belong to me and Bank of America knows its not my account but refuses to send the money back to the irs I already did many tracking cases with the irs about the money I been told its nothing they can do its Bank of America XXXX holding them up

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 2026-05-26 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: GA

Complaint narrative:
I am writing to formally demand that you immediately stop contacting me regarding the alleged debt you are attempting to collect. I dispute the validity of this debt, and I do not authorize any further calls, letters, emails, or other communication from your company. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, you are legally obligated to comply. Continuing to contact me or report this alleged debt after this notice would be considered a willful violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/XXXX, I signed up for a subscription service ( XXXX ). I was not supposed to be charged until XXXX days before my box shipped, but despite canceling the subscription same day, I was charged {$120.00} ; it was taken out of my PayPal balance. On XX/XX/XXXX, I contacted XXXX about the charge and asked for a status on the refund. At first they told me ot was only a {$1.00} authorization charge and then upon further investigation, they confirmed I was billed in error, {$120.00}. They sent me a transaction receipt showing PayPal denied my refund. They told me to contact PayPal to resolve the issue. I contacted PayPal and the customer service representative told me the document XXXX sent me was made up and they were trying to confuse me. They told me to open a case because I had XXXX XXXX through PayPal. I submitted my case that same night ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX emailed me in response to a review I left on the BBB. They acknowledged I was billed in error and strongly suggested I close my dispute with PayPal so they could refund me {$120.00}. I asked why PayPal told the refund transaction receipt me was made up, and they could not answer that. I called PayPal support and asked them again to review the receipt XXXX sent and try to resolve this issue. The PayPal customer support representative again told me the document was not real, that PayPal would have notified me of a failed refund or other issue on my account. Because I received no notification, they told me the refund attempt did not take place and to not close my claim or I would not get my refund because a claim can never be opened again. On XX/XX/XXXX, PayPal denied my case- Based on the merchants response and the information we have to date, we have denied your case. This decision was made because our records show that this transaction was processed correctly. I submitted the alleged made up transaction receipt, a copy of an email from XXXX confirming I am owed the {$120.00} and I was billed in error. I do not know what else to do to get my refund. The seller, XXXX, states PayPal denied their refund attempt. PayPal states no refund attempt was made, but denied my case. How do I get refunded when the financial institution denies the transaction, claims the seller is making up documents about said transaction, but denies my case and supports the sellers claim that the transaction processed correctly, despite an email showing the seller admitting the charge error?

Company response to consumer: Closed with monetary relief