vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
I am submitting this complaint regarding Cavalry Portfolio Services , LLC and their failure to properly investigate and validate a disputed account. I previously sent a written dispute regarding an account they are reporting on my credit report. In response, XXXX sent letters dated XX/XX/year> and XX/XX/year>. In both letters, they stated that my dispute lacks specific facts and refused to conduct an investigation. Despite receiving my dispute, Cavalry has failed to provide any documentation validating the debt, including proof of the original creditor, account history, or evidence that I am legally obligated to pay this debt. Instead of conducting a reasonable investigation as required, they have repeatedly requested that I provide additional information while continuing to report the account. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, the burden of investigation and validation is on the furnisher of the information, not the consumer. Cavalrys refusal to investigate and failure to provide validation raises serious concerns about the accuracy and legitimacy of the account being reported. Additionally, sending repeated responses without conducting an investigation demonstrates a pattern of avoiding their legal responsibilities. I am requesting that Cavalry Portfolio Services : 1. Provide full and proper validation of the debt, including documentation supporting their claim 2. Conduct a reasonable investigation as required by law 3. Remove the account from all credit reporting agencies if they are unable to properly verify the debt This account continues to negatively impact my credit and financial standing, and I am seeking resolution in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems is reporting a collection account that does not belong to me. I have disputed this account multiple times and it continues to be verified without providing documentation or identifying the original creditor. I have never opened or authorized this account. I am requesting proof of the debt or immediate removal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Received a statement in XX/XX/year> stating that I owed XXXX on my federal student loans, the due date for that payment was XX/XX/year>. On XX/XX/year>, before being 90 days late, I made a payment of XXXX which was the amount due stated on the statement. I later got notice on my credit reports stating that I was 90 days late with my payment because I did not pay my " regular monthly payment '' of XXXX. However, the statement was given said I owed XXXX and that was what I paid. I don't understand how I am supposed to pay a different amount if the statement is not specifying that amount. I would like all of the 90 day late reports removed from my credit report since this has negatively affected my credit due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) I am submitting this complaint regarding the handling of a promotional financing plan associated with my XXXX XXXX credit account. After paying off my promotional balance, I was charged deferred interest due to missing the promotional payoff deadline by a few days. I believe the circumstances surrounding this charge warrant review. At the time of purchase, I understood that making the required minimum payments would keep the account in good standing while I paid down the balance. I was not clearly aware that the remaining promotional balance needed to be paid in full by XX/XX/year> in order to avoid the application of deferred interest. Although the promotional terms were available in the companys mobile application, I did not receive any alerts, reminders, or proactive notifications indicating that the payoff deadline was approaching or that interest would be applied if the balance was not paid in full by that specific date. Had I received any type of notice, I would have paid the remaining balance before the deadline. Once I became aware of the requirement, I paid the remaining balance in full on XX/XX/year>. The delay was unintentional and only a few days past the deadline. Since then, I have contacted the company multiple times to request a goodwill adjustment or partial consideration due to the lack of notification and my otherwise consistent history of responsible, on-time payments. My request has been denied without any form of accommodation. I am requesting that this matter be reviewed and that the interest charges be reconsidered, either fully or partially, based on the circumstances, my payment history, and the lack of proactive notification regarding the promotional deadline. My goal is simply to seek a fair resolution to this situation. Submitted by : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX amp XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am reporting an issue with my bank account at Discover Bank regarding a deposit and transaction history that does not make sense. I received a deposit that shows it was made at XXXX AM, but my bank is reflecting a different time ( around XXXX PM ). Additionally, even though the deposit appeared in my account, the funds were not available for me to use. I have been using money transferred from my savings account to cover my expenses, which is reflected in my transaction history. This indicates I did not actually receive or use the deposited funds. Despite this, the bank is claiming that I spent the deposit amount. This is incorrect. The funds were not available to me, and the timing discrepancies raise concerns about how my account activity was processed or recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting a complaint regarding a solar loan financed through XXXX XXXX XXXX ( Loan # XXXX ), which was originated through the XXXX XXXX XXXX XXXX XXXX, now out of business. This loan was entered into based on multiple material representations made during the sales process that have not been honored. First, the sales representative stated in writing that the system included a yearly production guarantee and would produce approximately XXXX kWh per month. The system was also presented as producing approximately XXXX kWh annually. However, actual system production in XXXX was approximately XXXX kWh, representing a significant shortfall of roughly 24 %. The system appears to be functioning, but the output does not align with what was represented during the sale. Second, the sales representative stated in writing that he would provide {$7500.00} from his commission after the sale to help reduce the cost of the system. This payment was never received. Third, I was told the monthly payment would be approximately {$190.00} for the life of the loan. While the loan began at that amount, the payment increased significantly after the initial period, which was not clearly explained in a way consistent with the sales representations. After installation, I made repeated attempts to resolve these issues directly with the XXXX. My concerns were delayed or postponed, and before any resolution occurred, the XXXX went out of business, leaving me without recourse against the seller. I submitted documentation of these issues on XX/XX/XXXX. Including written text message evidence, to XXXX XXXX XXXX. However, my complaint was closed on XX/XX/XXXX without addressing the substance of the evidence provided. Under the FTC XXXX XXXX, consumers XXXX assert claims and defenses against the holder of a credit contract that could be asserted against the seller. Given the material misrepresentations and the inability to resolve the matter with the now-defunct XXXX, I am requesting that XXXX XXXX XXXX XXXX XXXX meaningful review and provide a fair and equitable resolution.

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 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX keeps harassing me about a debt that I do not owed. Please I need this debt removed from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I contacted the company multiple times to request the full and accurate payoff amount for my credit card account. Each time, I was provided with a specific balance and was told that paying that amount would satisfy the account in full. I relied on the information given to me and made payments accordingly, including a payment of approximately {$110.00} and XXXX separate payments of {$89.00}. I also have records of conversations with a supervisor who specifically stated that a payment of {$89.00} would pay my account off in full. I relied on this information when making my payments.Despite following the instructions provided by the company, my account was not brought to a XXXX balance. Instead, additional fees were added to my account after I made those payments, including a late fee of approximately {$15.00} and another fee of approximately {$49.00}. These fees were not clearly disclosed to me when I requested the payoff amounts, and I was not informed that additional charges would continue to be XXXX made multiple attempts to resolve this issue by contacting the company and speaking with representatives and supervisors. However, the issue was not corrected, and I was not provided with a clear or accurate explanation of why these fees continued to be added or what exact amount was needed to fully pay off the account.This situation was caused by the company providing inaccurate, incomplete, and misleading payoff information. As a result, I was unable to resolve my account despite making payments in good faith based on what I was told.I am requesting that the company remove all improperly assessed fees, including the {$15.00} and {$49.00} charges, provide a clear and accurate payoff amount, bring my account to a XXXX balance, and correct any negative impact associated with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX & I'm reaching out regarding a claim # XXXX. I am a victim of identity theft & have my credit frozen along with a police report that shows I'm a victim of identity theft. Someone had gotten ahold of my information & purchased XXXX XXXX online. I have NEVER purchased XXXX XXXX. My account is now negative for something that I honestly didn't do & I am requesting the information provided by the merchant that ya 'll said they provided to ya 'll that shows/proves it was me that made these purchases for XXXX TV XXXX which is false. I will also be filing another police report for fraud .I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My wife and I are submitting this complaint regarding inaccurate credit reporting and servicing errors related to my FHA mortgage loan serviced by Shellpoint Mortgage Servicing. We entered into an approved mortgage forbearance plan in XX/XX/XXXX due to both our unemployment. Our financial hardship continued, and during a documented conversation on XX/XX/XXXX, we informed our assigned point of contact that our hardship would extend into the new year. At that time, we were advised that our forbearance would be extended accordingly. Our assigned representative subsequently left the company without notice, and we did not receive any follow-up communication regarding additional steps required to maintain or extend my forbearance. We remained under the reasonable belief, based on prior communication, that our forbearance would continue uninterrupted. As a result of this servicing breakdown, XX/XX/XXXX was not processed under forbearance, and our loan was reported as delinquent. Additionally, it appears that delinquency reporting may have been applied retroactively to months from XXXX through XX/XX/XXXX, which were covered under an approved forbearance. If accurate, this reporting is incorrect. During this same period, our household was experiencing continued hardship, including the birth of a child, caring for XXXX additional young children, and our transition back into employment. Despite these circumstances, we remained engaged in the loss mitigation process and relied on the servicers guidance. We are currently back in an approved forbearance plan covering XXXX through XX/XX/XXXX. This situation resulted from a servicing failure and breakdown in communication, not from a willful failure to pay.

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 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
Comenity bank literally wont leave me alone at all hours of the day and they call me XXXX times a day from an unknown number. I have screenshots to prove it and my payment is barely late. They always threaten legal action as well every time Im on the phone and theyre really rude, doesnt matter who Im talking to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX, at XXXX XXXX branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a bank employee deliberately misled me a recent XXXX from XXXX with XXXX XXXX proficiency into signing a Home Equity Line of Credit ( HELOC ) agreement. I explicitly refused to sign any documents without a XXXX translation. The employee assured me : Dont worry, you are signing only as a WITNESS, which I verified in my pocket dictionary. Believing this, I placed my signature on the WITNESS line. Subsequently, an arrow was drawn from the WITNESS line directly to my name in the BORROWER section, falsely indicating I was a co-borrower. This constitutes fraudulent inducement and alteration of the document. Additionally, my husband, XXXX XXXX XXXX, took the originally notarized Quit Claim Deed ( dated XX/XX/XXXX, transferring the property solely to me ) and handwrote his name into the GRANTEE field, adding ( A married couple ) forgery under Florida Statute 831.01. The bank accepted this altered deed as collateral for the {$100000.00} HELOC ( account XXXX ), despite knowing or having reason to know of the alteration. I have paid monthly installments ( approximately {$1200.00} {$1400.00} ) since XXXX to prevent foreclosure, though I am not personally liable. The lien remains invalid due to fraud and forgery. I request : 1 ) Disclosure of the employees full name and ID who processed the transaction on XX/XX/XXXX ; 2 ) Investigation into the banks role in accepting and servicing a fraudulent loan. Attachments : Original Quit Claim Deed, forged version, mortgage document with arrow, payment records.

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 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am disputing a rental collection account that was improperly billed and reported. I vacated the apartment in XXXX and never received a final account statement, itemized list of charges, or any notice of a balance within the required 30-day timeframe under Texas Property Code 92.10392.104. In XXXX, after I contacted the apartment complex regarding my security deposit, I was informed in writing that my account had been overlooked and not processed correctly. This confirms that the delay was due to the propertys internal error and not any action on my part. Despite this, the account was later sent to collections and is now being reported on my credit, which is inaccurate and unfair. I was not given the legally required notice or opportunity to address any alleged balance in a timely manner. This has negatively impacted my ability to obtain housing.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WLCC
State: FL

Complaint narrative:
I signed up for a loan put in all my personal information but after realizing Im being scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Started the purchase of my home around XXXX of XXXX. After being subjected to a couple appraisals paid for by me. Having to keep putting money down as the deposit due to time lapse per the underwriter was continuously requesting bank statement and requesting more money equaling the amount in my account or nearly equal to the amount in my account on the third time the amount was large they suggested that should borrow from a family member I did that and I had to get the family member so to write a letter saying the {$2000.00}. Amount was a gift that was done. I ended up closing on my house XXXX XXXX. On or around XXXX the mortgage starting going up due to escrow account then modification / forbearance started but was never fully explained I was sent from person to person getting nowhere then the loan was sold with any help with the modification the new loan holder went straight in to foreclosure talk then said well do a modification they set an amount. The amount was paid no late or missing payments. They then sent out paperwork to be signed the papers were signed and sent back the loan holder regected the papers said sign them without any statements or we will foreclose. The loan holder wanted the borrower to falsify the documents to favor the loan holder. They said it wasn't signed then they said it was too late but we spoke with XXXX XXXX, who was over our case she said they denied it because he did sign it the way they wanted him. They would not put it in writing only said it on the phone so we recorded her admitting it. Now they started the foreclosure back in XXXX XXXX of XXXX set up a deal of modification where we pay XXXX per mo. Not missing any months we did that but because we did not falsify the paperwork the foreclosure took effect XX/XX/XXXX. They are still requesting money and they never told us they started the full foreclosure. Additional information provided by consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX ; XXXX -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: GA

Complaint narrative:
Issue : Credit Reporting Charged-Off Account / Accuracy & Mortgage Impact I am filing this complaint regarding Koalafi and a charged-off account currently being reported on my credit report ( XXXX ). This account is being reported in a manner that is negatively impacting my credit profile during an active mortgage approval process, causing immediate and significant financial harm. I have reason to question the accuracy and completeness of the information being reported. I am requesting a full investigation and verification of the following : The date of first delinquency The reported balance and any past due amounts The account status ( charged-off vs. closed vs. open ) The completeness and accuracy of the payment history Additionally, I have been informed that a third party, XXXX XXXX , may be associated with this account. However, there is no corresponding collection account reporting on my credit file, which raises concerns regarding the accuracy and handling of this debt. Given these concerns, I am requesting : Immediate and thorough investigation of this account Expedited handling due to mortgage underwriting deadlines Removal of the account if it can not be fully verified as accurate and complete Written confirmation of the results of this investigation This matter is time-sensitive, as it directly impacts my ability to obtain housing. I am requesting prompt resolution.

Company response to consumer: Closed with explanation