vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: WA

Complaint narrative:
On or about XX/XX/2026, I obtained an installment loan from Uprova Credit , LLC in the amount of {$1900.00}. After reviewing the loan agreement more carefully, I discovered that the disclosed XXXX was approximately 486 % and that the total scheduled repayment amount was listed as approximately {$6800.00} if carried through the full loan term. I made a payment of approximately {$400.00} within about XXXX weeks of receiving the loan. I later contacted the company and learned that the current payoff amount was still approximately {$2100.00} despite the payment already made. This means that after borrowing {$1900.00} and making an early payment, the total amount required to satisfy the loan would still be approximately {$2500.00}. I believe the loan terms and cost of borrowing are excessive and potentially predatory. The structure of the loan front-loads extremely high finance charges in a very short period of time. The required payments of approximately {$800.00} per month are causing significant financial hardship and make it difficult for me to afford essential living expenses and bills. The agreement also states that the lender is operating under tribal law and not XXXX state law, which concerns me because I reside in XXXX. I am requesting review of the lenders practices, disclosures, interest rates, and compliance with applicable consumer protection laws. I am seeking assistance regarding affordable repayment options, review of the loan terms, and any consumer protections that may apply.

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 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I am submitting this complaint regarding unfair and deceptive practices by my auto loan company : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I am formally requesting a review and resolution regarding my auto loan account due to ongoing concerns about inconsistent balances, unexplained interest charges and lack of clear communication regarding my loan status. Recently, have noticed that the balance on my account would continue to stay stagnate, increase or change despite making payments. I was also provided different payoff and balance amounts at different times, including situations where I was told the balance was lower. Although, the lower balance was displayed on their website, it would increase later without notice or proper explanation. For approximately one year, I was continuously charged interest and additional amounts on my account without being properly informed of the reason or account status. During that time, I repeatedly contacted the company asking for clarification about the charges, balance increases, payment application, total payment amount due including interest but I was not given clear or accurate explanations. Despite my efforts to understand and resolve the issue, the company failed to properly disclose what was happening with my account while continuing to collect payments and interest. I believe this conduct was misleading, unfair, and financially harmful. I am requesting a full investigation into my account history, including : 1. How my payments were applied 2. Why interest and charges continued accumulating 3.Whether any improper fees or interest were added 4. Copies of all account records and communications related to my loan I am also requesting correction of any improper charges and reimbursement for any amounts wrongfully collected. Thank you for your attention to this matter. P.S. I also have phone recordings *

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates Re : Alleged Account Balance : {$730.00} To Whom It May Concern, I am writing regarding the alleged collection account being reported by Portfolio Recovery Associates. I have no knowledge of this alleged debt and I dispute it in its entirety. Under 15 U.S.C. 1692g ( b ), I request full validation of this alleged debt, including : * Name of the original creditor * Full account number * Date of first delinquency * Itemized balance and explanation of charges * Proof that Portfolio Recovery Associates owns or has authority to collect this alleged debt * Any contract or agreement bearing my signature * Complete payment and account history Until this debt is properly validated, you must cease collection activity. Additionally, under 15 U.S.C. 1692e ( 8 ), if you report this account to any credit reporting agency, you must report it as disputed. I also request that you cease and desist from contacting me by phone. All communication must be made in writing only at the address listed above. If you can not fully validate this alleged debt, you must delete this account from all credit reporting agencies where it appears. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates Re : Alleged Account Balance : {$730.00} To Whom It May Concern, I am writing regarding the alleged collection account being reported by Portfolio Recovery Associates. I have no knowledge of this alleged debt and I dispute it in its entirety. Under 15 U.S.C. 1692g ( b ), I request full validation of this alleged debt, including : * Name of the original creditor * Full account number * Date of first delinquency * Itemized balance and explanation of charges * Proof that Portfolio Recovery Associates owns or has authority to collect this alleged debt * Any contract or agreement bearing my signature * Complete payment and account history Until this debt is properly validated, you must cease collection activity. Additionally, under 15 U.S.C. 1692e ( 8 ), if you report this account to any credit reporting agency, you must report it as disputed. I also request that you cease and desist from contacting me by phone. All communication must be made in writing only at the address listed above. If you can not fully validate this alleged debt, you must delete this account from all credit reporting agencies where it appears. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
XXXX XXXX is reporting a collection account on my credit report. I disputed the account and requested validation under the FDCPA. LVNV and its servicer, Resurgent Capital Services, have repeatedly failed to provide legally required validation. Instead of providing documentation from the original creditor, they sent multiple internally generated account summaries that contradict each other and explicitly state they are not statements from the original creditor. These documents contain material inconsistencies, including : Different original creditors ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Different balances Different dates of last payment Different chargeoff dates Different addresses Different spellings of my name Different acquisition amounts None of the documents provided include : A copy of the original creditors records A signed agreement A full accounting Any documentation created by the original creditor This is not verification under the FDCPA. Critical fact : LVNV sued me and lost LVNV Funding previously filed a lawsuit against me in XXXX XXXX XXXX XXXX for this same alleged debt. On XX/XX/year>, the court entered a XXXX of XXXX because LVNV failed to validate or prove the debt. Despite losing the case and failing to validate the debt in court, LVNV continues to : Report the account to the credit bureaus Attempt to collect Provide conflicting and unverifiable information Refuse to provide proper validation This is a postlitigation continuation of unlawful collection activity. Why this violates federal law FDCPA Violations Failure to provide proper validation ( XXXX ) Continuing collection activity without validation Providing misleading, inconsistent, and contradictory information Attempting to collect a debt that was dismissed in court FCRA Violations Furnishing information that is inaccurate, inconsistent, or unverifiable ( XXXX ) Failing to conduct a reasonable investigation Reporting conflicting data to the credit bureaus Continuing to report a debt they could not validate in court UDAAP Concerns ( Unfair, Deceptive, or Abusive Acts or Practices ) Sending contradictory information to confuse the consumer Misrepresenting the nature and validity of the debt Continuing collection efforts after a court dismissal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank denied my Regulation E claim for an unauthorized electronic funds transfer despite clear evidence that my online banking account was hacked and a fraudulent XXXX XXXX payee was added without my authorization. Details : On XX/XX/year>, I discovered that my checking account balance had dropped from approximately {$2500.00} to {$250.00} overnight. Upon reviewing my account, I found that someone had accessed my online banking ( computer login, not mobile app ) and added a fraudulent XXXX XXXX payee ( XXXX XXXX XXXX ) with an incomplete account number and no individual name. I immediately contacted Citibanks fraud department and reported that my account had been compromised and that I did not authorize the payment. I requested that they stop the transfer or contact the receiving bank. I also requested provisional credit. Citibank told me the funds had already been electronically delivered and that I would need to wait XXXX business days. On XX/XX/year>, Citibank denied my claim, incorrectly stating that the transaction was made using my debit card and was consistent with my normal activity. This is false. I have no XXXX XXXX, no relationship with XXXX XXXX, and no history of payments to this merchant. The transaction was not a debit card transaction it was a fraudulent XXXX XXXX transfer initiated by someone who gained unauthorized access to my online banking credentials. Citibanks denial letter contains false statements, and they have not provided any evidence supporting their conclusions. They also failed to provide provisional credit within the required timeframe. I am requesting that the CFPB compel Citibank to comply with Regulation E, reopen the investigation, and issue provisional credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: AMERICAN HONDA FINANCE CORP
State: ND

Complaint narrative:
A vehicle that i am a cosigner of with my brother was repossessed XXXX XXXX XXXX ( America honda XXXX ) on Thursday XX/XX/XXXX, we were then told that the truck was 3 months behind when we were not, we told them about this and they requested us to email them the bank statements showing that we payed and that the truck would be put on hold from auction in the meantime and that they would escalate the problem. We sent over the bank statements but covered anything that was not related to the payments to ahf. They told us that was not enough and then requested full bank statements for the past 6 months to prove the payments didn't bounce. We questioned why they needed that and they said there was no records of the payments but we then asked how they could have records of previous payments bouncing but not these ones, we even got something from my brothers bank saying that thoes payment did not bounce and where sent, we where then made aware that the last payment they received was in XXXX but for {$450.00} when the bank statements from the account that payment came from shows a {$900.00} transaction and they could not explain where the rest of the payment went until they foun the rest of it somewhereelse in there sytem on XX/XX/XXXX. We then where asked to re send over the bank statements again because they didn't get all of them apparently and when we sent them over we where told this would be resolved in 24-48 hours. By this time it was the weekend so we were unable to get ahold of them until Monday again and were told to resend the documents and asked to pay for the vehicle to be released and they would refund us later if we could prove we paid even tho we sent them bank statements. We were then told that they escalated the mater again that their higher ups need to sign off on each month after they investigated, they are still unable to find any trace of the money being sent to them and even accused my brother of logging into the wrong account but they implemented a feature that send you a pin via email to login and it's been the same one even for the payment they can find. We recorded our conversations with them since they could not find call logs at first but now can. They still have not given the vehicle back and comes to find out it was not put on hold for auction and was still scheduled to go up until today XX/XX/XXXX. They have reported on our credit that we are behind when we are not and even the repossession when it was wrongfull. They have told us again they need the documents and it will be 24hrs again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Advantage Mortgage Group, Inc.
State: MS

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My wallet was stolen and so was my phones my whole purse was stolen that had all my bank cards in it including my ID and social security card the person who stole my bag had access to everything of mine when the bank called to confirm transactions the person approved them and it wasnt me and nobody had permission to use my card c or accounts but bank of america told me different c things everytime I called and one even told me I would have my provisional credit 100 % on the XXXX which is today they never looked into any of that they just waited until the XXXX and denied my claim without even looking into it I know this because ive talked to some of the merchants who reported they were never even contacted they denied me so they wouldnt have t o give me provisional credit in ten days they they do to everyone and im going to push this as far as I can because im about to lose everything in my storage including my son 's ashes because of this bank not doing there job like they are supposed to I even have a police report for the stolen phone and fraud case

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXXXXXX RE : Cease and Desist Communication Under 15 U.S.C. 1692c ( c ) To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding the alleged debt referenced by your company. Under federal law, once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the collector to cease further communication, the debt collector must stop contacting the consumer except to advise that : 1. Further collection efforts are being terminated ; 2. Certain specified remedies may be invoked ; or 3. The debt collector intends to invoke a specified remedy. I request that you immediately stop all telephone calls, emails, text messages, letters, and any other forms of communication to me, my family members, my employer, or any third parties regarding this matter. Additionally, if this debt has been reported to any credit reporting agency and is inaccurate, incomplete, or unverifiable, I request that you investigate and correct the reporting accordingly. Please provide written confirmation that you have received this notice and will comply with federal law. Failure to comply with this request may constitute violations of the Fair Debt Collection Practices Act and other applicable laws. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MS

Complaint narrative:
Sunrise Credit Services-Illegal Re-Aging, Duplicate Reporting and Furnishing False Information to Credit Bureaus . XXXX XXXX XX/XX/year> Sunrise Credit Services has reported a collection that is not mine, and the information appears to be altered, re-aged, and duplicated from a previous collection report listed a few months ago. This includes : A changed account number, a changed/ re-aged date, a reused balance from a prior Sunrise Collection, a new account entry and reporting a debt that doesn't belong to me. These actions violate the FCRA and the FDCPA. I have disputed the first Sunrise collection and no original documents and dates not provided. I called Sunrise on today and they only saw XXXX account in their system, She put me on hold and when she returned she said that this has been happening to a lot of people 's credit reports, I did not have any AT & T mobility in my name last year are previous years,

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing inaccurate and unverifiable information being reported by LVNV Funding LLC on my credit report. This account is being reported as a Factoring Company Account, which appears misleading and inaccurate under the Fair Credit Reporting Act ( FCRA 1681e ( b ) ). Additionally, this account appears connected to outdated identifying information and addresses that have already been removed from my credit profile as obsolete and inaccurate. Any verification conducted using outdated information raises concerns regarding the reasonableness and accuracy of the investigation. I requested proper validation of this alleged debt, including : * Original signed agreement * Complete payment history * Full chain of assignment * Documentation proving authority to collect To date, sufficient documentation has not been provided. I am requesting : 1. Full validation of the account 2. Documentatio n supporting the reporting classification 3. Immediate deletion if the account can not be fully verified and accurately reported This matter involves potential violations of the Fair Credit Reporting Act and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a billing dispute for merchandise that I did not receive. I placed orders through XXXX totaling {$520.00}, which were marked as delivered by XXXX on XX/XX/year>. However, I never received the packages. There was no delivery photo provided, no signature confirmation, and I did not take possession of the merchandise. I immediately called carters to report the issue. XXXX XXXX was very rude and also allowed me to know that I am ban from shopping online. I was told that whatever route I took, which was filing a police report or filing a dispute with Comenity, nothing would change that decision. I disputed these charges because I did not receive the items. Despite this, Comenity Bank denied my dispute. I do not believe there is sufficient proof that the packages were delivered to my exact address or to me personally. I have tried speaking to XXXX, but XXXX said only the shipper ( CARTERS ) could open an investigation or start a claim. XXXX has refused to do anything. I spoke to a supervisor at carters and she Said shed request coordinates and it might take a week to hear back but she emailed me right away and said they denied any further investigation because the coordinates were " Correct ''. I AM asking for that paper email proof and I am being ignored. I am requesting a fair reinvestigation of this matter, including review of all evidence relied upon to deny my claim. Specifically, I request any GPS delivery coordinates, proof of delivery, delivery photographs, signatures, driver notes, or any third-party delivery intelligence used to conclude that I received the packages. I am seeking a resolution for merchandise totaling {$520.00} that I did not receive and ask for this matter to be reviewed carefully based on the lack of confirmed delivery proof.

Company response to consumer: Closed with monetary relief