vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
CFPB EVIDENCE ATTACHMENT SUMMARY PORTFOLIO RECOVERY ASSOCIATES ( PRA ) Company : Portfolio Recovery Associates , LLC Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRA Letter XXXX XXXX XXXX Account ( Ending XXXX ) What the document shows : PRA acknowledges that I disputed the account. PRA states the letter is for the limited purpose of responding to your dispute and NOT an attempt to collect a debt. PRA provides only basic account metadata ( open date, chargeoff date, balance, creditor name ). PRA provides no validation documentation, including : No chain of title No bill of sale identifying my account No itemized statements No payment history No signed agreement No proof PRA has the legal right to collect or furnish information Why this matters : This letter confirms PRA is responding to my dispute, but PRA did not provide any documentation required under FDCPA 809 ( b ) or FCRA 623 ( a ) ( 3 ). -- - 2. PRA Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) What the document shows : PRA again acknowledges that I disputed the account. PRA repeats the same disclaimer : This communication is made for the limited purpose of responding to your dispute and NOT an attempt to collect a debt. PRA again provides only basic account metadata ( last payment date, balance, creditor name ). PRA again provides no supporting documentation, including : No chain of title No bill of sale No itemized statements No payment history No signed agreement No evidence supporting the accuracy of the balance Why this matters : This second letter confirms PRA is responding to my dispute, but PRA again failed to provide any legally required validation. -- - 3. Summary of PRAs Deficiencies ( Both Accounts ) Across both letters, PRA failed to provide : No validation package No documentation supporting accuracy No proof of ownership No reasonable investigation No evidence supporting the balances reported No documentation showing PRA has the right to furnish information PRAs responses consist only of XXXX, which does not satisfy : FDCPA 809 ( b ) validation requirement FCRA 623 ( a ) ( 3 ) duty to conduct a reasonable investigation FCRA 623 ( a ) ( 1 ) ( A ) prohibition on furnishing inaccurate or unverified information -- - 4. Why This Evidence Supports My Complaint The attached letters show : PRA acknowledges I disputed both accounts PRA responded without providing any validation PRA continues to furnish derogatory information without verifying accuracy PRAs responses do not meet federal requirements for validation or investigation This evidence supports my request that the CFPB require PRA to : Provide full validation or Delete both accounts from all consumer reporting agencies XXXX XXXX XXXX Documents Attached Attachment 1 : PRA letter regarding XXXX XXXX XXXX account ending XXXX Attachment XXXX : PRA letter regarding XXXX account ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: Sezzle Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I ordered a juicer from glow-hounds.com. I received a receipt of purchase. A couple days past no tracking information was provided. I then reached out to Sezzle this is the platform that allowed me thecredit for the purchase. I shared with Sezzle that I think the site is fraudulent. I reached out to glowhounds only to be ignored still no tracking information weeks later. Sezzle asked that I provide proof but all I had at that moment was the receipt since the merchant was ignoring me. I reached out to Sezzle to let them know this was fraud. They use a very unreliable engine to upload documents and they kept treating the transaction as if it wasnt fraud. I then contacted my bank to let them know what took place. My bank then retrieves the installment payments and returns them to me, they sided with me because it was proven to be fraud. Once my bank got involved out of nowhere the merchant emails me weeks after the supposedly delivery with tracking information. In this email there is a parcel service and pictures of said delivery item being left out in the open on a mailbox and not my door. Since there was no tracking for information before hand I never knew a delivery even took place. In these pics there is a small bag like package that couldnt be enough to be a juicer. I will attach pictures of the item I ordered. So not only did I not receive what was ordered the package that was left out in the open was fairly too small to be a jumbo sized juicer. I never received any package and that package that was in the pictures was left out in the open and not in front of my door. Its a scam even the photos look weird like theyre photoshopped. Im going to see if I can forward the email in its entirety with the pictures included. I even reached out to the merchant with another email letting the merchant know that I knew they were attempting fraud. The merchant never replied after that and I have attached the email I sent for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IL

Complaint narrative:
AGREED SETTLEMENT ORDER This matter coming on for status XX/XX/year>, both parties in agreement and advised by counsel, it is hereby ordered : XXXX. Defendant shall vacate the premises that are the subject of Plaintiffs complaint ( the premises ), on or before XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and cause the same to be vacant on said date. Defendant shall also tender keys to Plaintiff on or before said date. XXXX. The parties agree that so long as the Defendant complies with XXXX XXXX, the matter will be dismissed without prejudice on the compliance date. The dismissal order shall state that Plaintiff may immediately retake possession of the premises, change the locks thereto, and discard any items remaining therein. XXXX. In the event the Defendant fails to vacate under Paragraph XXXX above, Plaintiff shall be granted an Eviction Order Instanter with no stay of enforcement on the compliance date and a money judgment for {$15000.00} in back rent and {$500.00} in court costs. The case file shall also be unsealed. XXXX. This case file shall be sealed instanter XXXX. This matter is continued to XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for compliance status. I moved out on XX/XX/year> before XXXX I have all documentation to prove everything so ask you read this, this is from my court agrement document by the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am a seller on XXXX. I sold an XXXX XXXX XXXX XXXX ( plus included accessories like cases, screen protectors, and a carrying bag ). The item was delivered to the buyer today, XX/XX/2026, via XXXX ( Tracking : XXXX ). Despite the tracking status clearly showing 'Delivered ' and me fulfilling all seller obligations, PayPal is withholding my funds. I contacted PayPal customer support today ( XX/XX/2026 ) and was held on the phone for XXXX minutes. During this call, the agent explicitly promised they would remove the hold, but then ultimately claimed they 'could n't, ' providing false and conflicting information regarding the manual release policy. The buyer has the device and all extras but is non-responsive to requests to confirm receipt. This unauthorized and prolonged hold on verified funds is causing immediate and severe financial hardship, as I am at risk of eviction and require this money for my rent payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 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: IL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a " goodbye '' letter from Klarna in regard to an unpaid debt. This debt was the full amount owed to Klarna at the time {$730.00}. They were informing me that XXXX XXXX XXXX XXXX XXXX was now in charge of this debt as of XX/XX/XXXX. I was on an attorney handled debt repayment plan at the time and sent the debt to them on XX/XX/XXXX to see if it could be added to my plan and paid off. On XX/XX/XXXX, I received a confirmation email to agree to add the debt and pay it off. I sent confirmation on XX/XX/XXXX. The debt was paid in full on XX/XX/XXXX. Not soon after the debt was paid in full, I would say a month or so, XXXX XXXX started sending flyers stating that I still owned the debt and had in fact taken the full amount of different purchases made on Klarna and split them into separate purchases and attempted to have me pay for them once again. The full amount was stated by Klarna to resolve the debt, they accepted it, and it was paid. I do not own this or any other Klarna debt. They also failed to inform Klarna that the debt was paid because I tried re-sign up to test the process and it stated that the debt was still owned when it was not. I called XXXX XXXX and a representative there told me they were never contacted by my debt settlement plan attorney and that as far as she knew, I still owned the debt. I have asked Klarna to provide an itemized list of the full balance and all the purchases to make it up. I will upload it once it arrives. I am giving this creditor to opportunity to correct this issue before escalating the issue further as they are causing huge impact with my credit and affecting my credit score for a debt that I no longer owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX at approximately XXXX around there 5 guys approached me near XXXX XXXX XXXX with a fraudulent game to catch my attention they had said if I put down a certain amount of money I can play the game I said I didnt have cash and they said well lets see your account balance I had set my phone down and was already logged in and one of them went and zelled himself {$500.00} I reported this to Chase and they are denying my claim saying it was sent from the same Ip address of course it was my phone not my authorization also I reported this to police and have witnesses

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
To whom this may concern, I XXXX XXXX, social security number : XXXX XXXX XXXX Drivers License ID number : XXXX, XXXX Passport Number : XXXX, is requesting for the following update on my mortgage loan account number : XXXX - [ ] I l like set a password for any type of access to the mortgage loan account number : XXXX. The password will be : XXXX - [ ] Deactivate any form of online access. - [ ] All payments will be made by paper check, I would like for you to refuse and block any other form of payment. I would like this information noted on the account. - [ ] I would like all emails to be removed from the account and the only XXXX email address on the account will be my personal email : XXXX - [ ] I would like all phone numbers to be removed from the account and the only XXXX phone number on the account will be cell phone number : XXXX I have attached a copy of my drivers license, passport and social security card are attached with this letter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I am disputing the accuracy of a debt previously handled by XXXX XXXX XXXX XXXX ( XXXX ) on behalf of AAFES ( Military Star ). The original balance was approximately {$6300.00}. Since then, a significant amount has already been paid toward this account through multiple sources, including : Wage garnishment ( approximately {$3000.00}, beginning around XX/XX/year> ) XXXX XXXX XXXXXXXX ( tax refund offsets, approximately {$4000.00} ) Additional direct payments made by me Despite these payments, the current balance being reported and collected does not reflect the total amount paid and appears to be inaccurate. I have made multiple attempts to resolve this issue directly with the company, including phone calls, disputes, and written communication. However, I have not received a complete or accurate accounting of the debt. I specifically requested a full Proof of Debt ( POD ), including a complete payment history, itemized balance breakdown, and verification of all payments, but this information has not been properly provided. Due to these discrepancies, I believe that the amount being collected is incorrect and not properly validated. I am requesting that XXXX XXXX XXXX XXXX provide full documentation supporting the balance, including all payments applied. If they are unable to validate the debt accurately, I request that the balance be corrected accordingly.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: AL

Complaint narrative:
I received a collection notice from Associated Credit Services , Inc. regarding an alleged debt ( Reference ; XXXX ) that is the result of identity theft. I did not open, authorize, or benefit from this account. I have no knowledge of this debt. I have filed an identity theft report with the Federal Trade Commission ( FTC ) regarding this matter. Despite this, Associated Credit Services is attempting to collect on a fraudulent account without providing proper validation or documentation. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), a company must cease collection activity once notified that a debt is the result of identity theft unless proper verification is provided. I am requesting that Associated Credit Services immediately cease all collection activity related to this account and ensure that this fraudulent account is not reported to any credit reporting agencies. I also request written confirmation that this account has been closed and removed due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
I filed a QWR Notice of Error ( NOE ) against my Mortgage company to make corrections to a Adjusted Escrow Analysis that they performed on Escrow Cushion Shortage Account on XX/XX/year>. My complaint is based on the fact that Vanderbilt mortgage has a number of times in the past few years made erroneous errors against my loan account and created illegal cushion and escrow shortages which illegally increased my monthly mortgage payment, which I believe has come to the point of being deceptive practices ( See all attachments ). After receiving a response from Vanderbilt ( See attachment page XXXX ), they have refused to correct their errors. I am not satisfied with Vanderbilt mortgage response, and seek assistance from CFPB to mediate, review the complaint I filed against Vanderbilt mortgage, investigate this complaint, and issue your findings to Vanderbilt mortgage for them to make any and all error corrections if any be found. ( See all attachments XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Was open fraudulent also was on my credit report for more than XXXX years drop off and the next day was added back again

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
I am writing to formally file a complaint regarding my recent attempts to obtain assistance with my student loan account. On XX/XX/XXXX, I contacted your office via email requesting help with switching to an income-driven repayment plan, resolving ongoing login issues, and obtaining my account number so I could make payments directly through my bank. I did not receive a response to these inquiries. I followed up again on XX/XX/XXXX, but my questions were still not addressed. On XX/XX/XXXX, I attempted to resolve the matter by phone ; however, the call was disconnected before any assistance was provided. I then used your chat service to seek help, but my questions were again not answered. This pattern of non-response and lack of support is concerning, particularly given that I am actively attempting to manage my account responsibly and remain in good standing. The inability to access my account and obtain basic information directly impacts my ability to make timely payments. I am requesting the following : A prompt and complete response to my original questions Immediate assistance with account access and repayment plan options An explanation for the lack of response across multiple communication channels Please treat this matter with urgency and provide a written response as soon as possible. If this issue can not be resolved promptly, I will consider escalating this complaint to the appropriate regulatory agencies. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX Bloomingdales Card Ending # XXXX Dispute # : XXXX Amount : {$4200.00} Subject : Merchandise Not Received I made a purchase through Bloomingdales in the amount of {$4200.00}. The item associated with this charge was not delivered to my apartment. Although the tracking information shows the package as delivered by XXXX, I did not receive the merchandise. There is no proof confirming delivery to my apartment unit, no signature, and no delivery photo with my apartment number showing where the package was left. I reported this issue, but the claim was denied even though the item was not received. Bloomingdales wants to hold me accountable for this.

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 monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Nothing happen Im waiting for company nelnet to address this situation as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On or about XX/XX/year>, my phone was stolen out of my hand. Shortly after the theft, unauthorized transactions totaling approximately {$10000.00} were made from my account through Cash App. I did not authorize these transactions, did not initiate them, and did not benefit from them in any way. I immediately took action once I became aware of the issue, including filing a police report and reporting the fraud to my bank, XXXX XXXX, as well as to Cash App. I even filed an Identity Theft report and froze my credit. Despite this, my claim was denied based on a statement that I benefited from the transactions. This is incorrect. The funds were sent to another account that does not belong to me, and I received no benefit from these transfers. This situation constitutes an unauthorized electronic funds transfer resulting from theft. Under Regulation E, I am requesting that this matter be properly investigated and that I be reimbursed for the unauthorized transactions. I am also requesting that the companies provide the documentation they relied on to deny my claim, including any evidence that allegedly shows I authorized or benefited from the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Block, Inc.
State: PA

Complaint narrative:
The terms of eligibility are : deposit exceeding {$300.00} per month ( met with XXXX direct deposit ) No overdrafts ( never once overdraft ) Yet I am ineligible. I spoke with several people who basically told me oh well, and didn't care about me taking my business elsewhere.

Company response to consumer: Closed with explanation