vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 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: TX

Complaint narrative:
Accounts Reporting : PORTFOLIO XXXX Collection {$720.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection Same alleged debt reporting under XXXX different account numbers I am filing this complaint because Portfolio Recovery Associates XXXX Portfolio RC is reporting the same alleged debt multiple times using different account numbers, which is inaccurate, misleading, and illegal under federal law. A single debt can not lawfully be reported as multiple separate collection accounts, regardless of how the furnisher internally tracks the account. 
I have never received any written notice explaining why this alleged debt is being reported under XXXX different account numbers, nor have I received any documentation proving that these are separate obligations. This reporting creates a false impression of multiple debts, artificially inflates derogatory information on my credit file, and causes demonstrable consumer harm. 
I have disputed this account for well over XXXX months and formally requested validation under FDCPA 809 ( b ) and verification under FCRA 611 and 623. To date, Portfolio Recovery has failed to provide competent evidence establishing : That these are separate debts That the balances are independently owed That Portfolio has lawful ownership for each account number That proper notice was sent prior to reporting That the information is accurate and XXXX XXXX compliant Legal Violations FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information that is inaccurate and misleading FCRA 611 : Failure to properly investigate and correct inaccurate reporting FDCPA 809 ( b ) : Continuing collection activity without proper validation FDCPA 807 : False or misleading representation of the character and amount of a debt XXXX XXXX Compliance : Prohibits duplicate, fragmented, or internally inconsistent reporting of the same obligation Reporting the same XXXX XXXX account as multiple collections under different account numbers is not a clerical errorit is a systemic compliance failure. XXXX XXXX standards require that each tradeline reflect XXXX unique obligation, not multiple entries for the same debt. 
I have researched Portfolio Recovery Associates and am fully aware that debt buyers frequently engage in duplicate reporting, which has resulted in repeated regulatory scrutiny and consumer litigation. Each improper reporting instance constitutes a separate violation, exposing the furnisher to statutory, actual, and punitive damages, as well as attorneys fees. 
I Have Requested ( Repeatedly ), Proof that these are separate, legally enforceable debts Complete chain of title for each alleged account Itemized payment history for each account Documentation explaining why multiple account numbers exist for the same debt None of this has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX To Whom It XXXX Concern : This letter serves as a formal notice that you must immediately cease and desist all communication with me and all attempts to collect an alleged debt that I do not recognize or owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my legal right to request that you cease all communication with me regarding any and all accounts or claims you assert against me. If you believe that this alleged debt is valid, I request that you provide written verification of the debt, including a full accounting of the amount claimed, the original creditors name, and proof that you have the legal right to collect the debt. Furthermore, if you are reporting or have reported any account to the credit bureaus, be advised that reporting inaccurate or unverified information is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and such actions will not be tolerated. If this activity continues, I will pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state attorney generals offices, as well as seeking damages in civil court. You are hereby instructed to : Immediately stop all calls, letters, emails, or any other form of contact with me. Cease all collection efforts unless and until you provide proper verification of the alleged debt. Cease any reporting of inaccurate information to credit bureaus. Provide written confirmation that you have complied with this request. Failure to comply with this cease and desist letter will leave me with no choice but to take legal action to protect my rights. This letter does not constitute an acknowledgment of any debt, nor is it a waiver of any rights. Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from a Florida dealership. The total loan amount was approximately {$19000.00}, with a {$3500.00} down payment paid at purchase. Financing was provided by the lender named in this complaint. 

Shortly after purchase and following limited use, the vehicle experienced a major drivetrain failure involving the clutch, flywheel, and hydraulic components. A certified repair facility documented in writing that the condition reflected long-term deterioration inconsistent with short-term ownership or ordinary post-sale use and that the defect existed prior to sale. As a result, the vehicle was not fit for ordinary transportation at the time of sale. 

Immediately following the initial failure, I made multiple documented attempts to coordinate inspection and towing through the selling dealership. Despite repeated outreach, no inspection was scheduled and no tow was arranged. 

Because the dealership did not act, I obtained independent repair solely to mitigate loss and prevent further damage. The repair failed almost immediately, and the vehicle experienced a repeat failure. I incurred over {$1500.00} in out-of-pocket repair costs. The vehicle is currently inoperable and not being driven. 

On XX/XX/XXXX, I submitted a formal written dispute to the lender asserting seller-related defenses and requesting review under the FTC Holder Rule. I did not submit documentation at that time, and I was not asked to provide documentation. 

The lender later issued a denial stating that the documentation submitted was not sufficient to conclude pre-existing issues and declined to escalate the matter for further review. The response did not identify what documents were reviewed, who provided them, or what evidentiary standard was applied. 

As of today, I remain financially obligated on the loan for a vehicle that can not be used, while no substantive investigation of the dispute has occurred. 

I am requesting regulatory review of the lenders dispute handling, including failure to conduct a reasonable investigation and failure to disclose the evidentiary basis for its decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: NY

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, and LVNV Funding LLC for improper debt collection and inaccurate credit reporting. 

These companies are attempting to collect and report multiple time-barred debts, including : XXXX XXXX XXXX XXXX XXXX from XXXX XXXX loan account from XXXX All accounts are well beyond the XXXX reporting limit under the Fair Credit Reporting Act and beyond the statute of limitations for collection under New York XXXX. 

I informed the collectors that these accounts are not mine. The collection company stated that they do not have my government-issued ID or verification connecting me to these debts.

Despite this, they have continued : Collection calls Attempts to collect debts not owed Reporting or attempting to report obsolete accounts Listing misleading last payment dates that I did not make I went to the police department and was informed that these are time-barred debts and not legally enforceable.

These actions violate the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and they are harming my credit while I am actively trying to purchase a home.

I am requesting : 1. Immediate cessation of all collection activity 2. Permanent deletion of all related credit reporting 3. Written confirmation that these accounts will no longer be pursued

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I initiated an international bank transfer withdrawal from my Kraken account to my personal bank account ( XXXXXXXX XXXX XXXX XXXX  ) using the XXXX XXXX 

Kraken has confirmed that the withdrawal was processed and completed on their side. However, the receiving bank has confirmed that no funds were received and that there are no pending or incoming transactions associated with my account. 

I have contacted Kraken multiple times requesting the XXXX  confirmation document ( XXXX or equivalent ) and the XXXX code required to trace the transaction through the XXXX  system. To date, Kraken has not provided the XXXX or XXXX, making it impossible for the receiving bank to locate or investigate the transfer. 

Without the XXXX, the funds can not be traced, and I am unable to determine whether the transfer is being held by an intermediary bank, delayed, or improperly processed. 

I am requesting assistance to compel Kraken to provide full transaction details ( XXXX and XXXX  ) or to take responsibility for resolving the missing international transfer. 

This lack of transparency and failure to provide standard XXXX documentation has resulted in financial uncertainty and inability to access my funds.

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 2026-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally demand restitution for the unfair and deceptive conversion of my Business Savings account to a non-interest-bearing Checking account. This action was taken without any prior notification, costing my business approximately {$2200.00} in accrued interest. 

The Facts : Deceptive Language : Your terms state the bank " could '' change account status for excessive transfers. It does not state it " would '' or that it is automatic. This implies discretion. 

Failure to Notify : Capital One failed to notify me when this discretion was exercised. I received no warning to stop transfers and no notice that the account type had changed. 

Financial Harm : Due to this silence, I unknowingly kept ~ {$130000.00} in a 0 % interest account for 6 months, losing over ~ {$2200.00} in market-rate interest ( ~3.4 % APY ). 

Detrimental Reliance : I maintained the balance in the account solely because your representatives instructed me to wait 30 days for a resolution on XX/XX/year>. I operated under the good-faith belief that moving the funds would disrupt the reinstatement of the Savings status. I should not be penalized for following your support instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased goods from the merchant under Invoice # XXXX for a total of {$4100.00}. The items purchased were XXXXXXXX XXXX XXXX XXXX XXXX ( {$1200.00} ), XXXX XXXX XXXX XXXX ( {$1500.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1300.00} ). 
I did not receive any of the items. XXXX days after the purchase, I contacted the merchant to request tracking information or confirmation of delivery but did not receive a response. 
I later received an email from the merchant stating that the items were no longer available, that they accepted the loss related to the dispute, and that no further action was required from me. The merchant advised me to contact my payment provider regarding the refund. 
I submitted all supporting documentation, including the invoice and the merchants written confirmation, to American Express. Despite this, the dispute remains unresolved, and I have not received the goods or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Dave Operating, LLC
State: GA

Complaint narrative:
Company : Dave,

Inc. Product : Payday loan / cash advance ( ExtraCash ) Issue : Unauthorized withdrawal / account access Amount : {$610.00} State : Georgia Complaint Narrative Dave , Inc. initiated an unauthorized ACH withdrawal of {$610.00} from my bank account after changing my banking information in their app without my knowledge or consent. 

The bank account that was debited was never authorized by me for ExtraCash repayment. I did not add, update, or approve this account in the Dave app, nor did I provide written, electronic, or verbal authorization for Dave to modify my banking information or withdraw funds from this account.

Despite the lack of authorization, Dave altered my banking information and withdrew funds. This constitutes an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

I contacted Dave to dispute the transaction and requested an immediate reversal. Dave has refused to return the funds and has not provided any authorization records or proof that I approved the account change or withdrawal.

I have notified my bank and initiated a Regulation E dispute regarding this transaction. 

This dispute is based on lack of authorization, not whether a balance is owed. An alleged debt does not grant a company permission to modify banking information or debit an unauthorized account.

I am requesting the CFPBs assistance in requiring Dave to : 1. Immediately reverse the unauthorized {$610.00} withdrawal 2. Provide documentation showing how and when my banking information was changed 3. Confirm removal of all unauthorized banking information 4. Cease any further unauthorized debit attempts 5. Ensure no negative reporting results from this unauthorized activity

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: Chime Financial Inc
State: NE

Complaint narrative:
this person was pretending to be someone else who could help me out with some money, they texted me on telegram i thought it was legit. they told me to transfer XXXX dollars twice to therefore get money in return. after i did do that they never sent me money back and blocked my contact information. i really need this money, my bank doesnt want to help me they said i need to talk to the police. 

i have screenshot proof of when it happened, by who, how much and where. 

the second transfer was on XX/XX/XXXX at XXXX pm to XXXX XXXX according to my bank this person is living in michigan the first transfer was made on XX/XX/XXXX XXXX for {$300.00} to XXXX XXXX, this person is living in michigan also. 

I dont know any of these people, i currently live in XXXX nebraska XXXX is there any way you all could help me recover this money back please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I am the surviving owner of a Bank of America joint checking account opened in New Jersey in XXXX. After the co-owners death, I requested closure or retitling of the account in recognition of my survivorship rights. 

At the time of the co-owners death, the account balance was {$240.00}. Despite notification of the death, the bank continued to assess maintenance fees and did not allow closure or retitling of the account. 

When I attempted to resolve the issue, I was instructed to complete Form XXXX / XXXX, even though I am not the executor and do not have access to the decedents estate accounts or information. 

I contacted the bank multiple times between XX/XX/XXXX and XX/XX/XXXX, but the issue remains unresolved. I believe the banks actions are inconsistent with New Jersey law governing multiple-party deposit accounts and survivorship rights.

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 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
They keep calling with threatening phone calls that theyre gon na sue me. Theyre gon na garnish my wages. Theyre going to send this to their lawyers and start a Sue, and they will not verify the debt that they bought from the creditor. The creditor had already prior to this reached a settlement with me of almost XXXX of the amount, but now they are basically asking for the triple the amount that that I would already had been able to settle with a creditor for, and they dont give me proof of that. The debt is there is legally, and the creditor has charged off the amount as they bought it from the creditor. I dont have anything other than the threatening letters to start payments and Ive sent verification notification, but it was after a 30 day. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Someone used my email address as a guest account on XXXX to purchase an item, addressed to me at my home address. This sent the transaction email to my email, and used our card. This was not an item we chose to purchase nor was it in a watchlist, previous search, or anything. We had no interest in the item. It also does not appear in my purchase history. I can provide any proof needed for this. 

My husband received a text from Chase about a declined transaction a couple minutes after this one was made, for a similar amount ( around {$1000.00} ). We were both sleeping at the time of the transactions and we did not choose to buy this or any other item. He called Chase XXXX and they cancelled both the card and the transaction that he got the text about. I called XXXX and they seemed to understand the situation but they could not cancel the purchase because I had already initiated an investigation via Chase. We tried cancelling via the seller around XXXX hours after the transaction. The seller denied the auction cancellation request days later after the item was reported as delivered. 

The seller added the tracking number after we tried cancelling and after we filed through Chase XXXX. The tracking shows XXXX received a package XXXX days before the XXXX purchase occurred. The tracking says the item was delivered to a dock and received by a person named " XXXX '', when my house does not have a dock or a person named XXXX. There was also no delivery to my address. We also have a ring camera and had no delivery people show up on that day with XXXX giant yeti coolers. It would be obvious. Additionally, the tracking number was added AFTER the item was supposedly delivered but the XXXX tracking side showed movement, but the XXXX site showed the truth of the creation date/delivery proof. 

Again, neither of us chose to purchase this item, we did not receive an item, and we did not want to receive this item. We do not know the person that did this. They stole my identity in order to steal money from us, and neither chase, nor XXXX have been helpful. They didn't even bother checking with XXXX to verify where the tracking number was addressed to. 

Please let me know if you need any other documents or further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My XXXX XXXX XXXX XXXX account ( issued by Comenity Capital Bank ) was closed by the bank. 
At the time of closure, the account had a credit balance of approximately {$280.00}. 

The automated phone system confirms the account is closed and shows a {$0.00} balance, but I never received a refund, check, ACH credit, or written notice explaining what happened to my credit balance. 
There is no option to speak with a representative. 

I am requesting written confirmation of where my credit balance was sent, or immediate issuance of the refund. If the funds were escheated, please confirm the date and state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AR

Complaint narrative:
This company continually emails me saying I owe a debt that I know nothing about. I sent them a debt validation letter and a cease and desist letter. They continue to email me and have not validated the debt. I sent the letters on XX/XX/year> certified mail.

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