vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
On Monday XXXX XXXX  at approximately XXXX XXXX i started getting telephone calls from telephone numbers i did not recognize, i finally answered the phone and it was the rudest representative i have ever talked to, he started off by telling me if i did not pay the debt i allegedly owed the company would come after me and take legal action, i asked him to call me back in about an hour so i could do some research on this but i never received another call that day. I did reach out to my attorney and he told me to download a voice recorder app on my phone so i did and the following day i received another call from a representative from Halsted financial and this time it was a female and i told her our call was being recorded and she informed me that she was doing the same thing and proceeded to ask me how i was going to pay for the debt allegedly owed and i told her i need some kind of proof that it was mine and she stated that it has to be mine if it wasn't how did the company get my contact info. I cut the conversation and told her i do not want any more phone calls or any kind of communication and i was blocking the number, this seemed to make her more agitated because she was talking over me and not letting me say anything else, so i just hung up, but i do still have the recorded conversation. since i blocked the number i constantly get phone calls from different numbers all day long and now i get endless emails telling me they can work out a payment plan with me... I have attached every email they have sent me. The harassment needs to stop or we will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wilber and Associates, P.C.
State: CA

Complaint narrative:
Hello, I received a debt letter from Wilber. 
Current claim amount {$3800.00} Wilber File Number XXXX Incident Location XXXX CA Incident Date XX/XX/year> But it looks like a scam. I dont know what happened. I never had been to the place where the incident occurred as mentioned in the letter. And there were no any accidents with my cars. So the debt is not true. Please investigate and confirm the authenticity of the debt and the debtor. Please stop the fraud debt. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am writing regarding information being reported and shared about me through Early Warning Services , LLC.

I recently discovered that information associated with my checking account history is being reported and distributed to other financial institutions. I have serious concerns about the accuracy of this information and the impact it is having on my ability to open banking accounts.

To the extent that any information is being shared that relates to accounts opened fraudulently in my name, I dispute the accuracy of that reporting. I did not authorize any fraudulent accounts, and I did not consent to inaccurate or misleading information being furnished to other banks.

Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I am formally requesting : 1. A full disclosure of all information being reported about me.

2. The names of all financial institutions that have accessed my report.

3. A reinvestigation of any disputed accounts.

4. Immediate correction or deletion of any information that can not be verified as accurate.

If any information is being shared that is inaccurate, incomplete, or the result of fraud, I request that it be immediately removed and that notification of the correction be sent to any institution that received the incorrect data.

Please provide written confirmation of the results of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XXXX  {$62.00} was charged to my card when the transaction didnt even process because my card was blocked from that account. I sent inappropriate documents to show that. 
XXXX XXXX {$33.00} I paid cash for this pizza. My card was stored in my account so I guess I charged it automatically. Im not too sure but I have the receipt proving that Ive paid cash and also uploaded it to XXXX  and XXXX havent heard one thing from them, not one. its been past the 10 days of the timeframe they give you for some kind of information and they havent even responded once.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a lawsuit from Capital One claiming I owed them over {$8000.00} in debt. I have never had a credit card with Capital One and received no evidence of the debt. The lawsuit 's only " evidence '' was a blank contract template that didn't even have my name on it from XXXX. 

At the first hearing I stated that I did not believe the debt amount was correct because I know I never had a credit card with Capital One and I don't recall ever owing that much money to Discover. I never received any communication from XXXX at all, no account statements or settlement offers or anything. The first hearing was in XX/XX/year>. The attorney for Capital One didn't have any evidence of the debt at the hearing so the court attorney rescheduled to XX/XX/XXXX to give the attorney time to produce evidence of the debt. 

At the second hearing on XX/XX/XXXX, I still had never received any evidence of the debt. The court attorney verified my address which I know Capital One has because they have been mailing me credit card offers weekly since they decided to sue me. The attorney for Capital One stated that he sent the alleged debt verification letter to XXXX XXXX XXXXXXXX, which is a debt consolidation law firm that I previously attempted to use 3 years ago, however after a class action lawsuit was brought against the law firm and their assets were frozen, I learned that they had been taking thousands of dollars from me and never even began actually settling any debts. So I severed tied with the company, they currently DO NOT have power of attorney over my debts and have not for years.

I don't even know how Capital One got their name because I never told them about this company, it didn't come up at all in the previous hearing or at any point in any communications. They just sent my personal financial information to a third party company without my consent. I believe this is a violation of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern I am writing this letter in response to your communication regarding the above-referenced account.this is a request for validation made pursuant to my rights under the fair debt collection practices act.i dispute this debt an request that you provide verification of the following 1.the name and the address of the original creditor 2.the full amount of the alleged debt, including an itemization of interest, fees, and charges 3.documentation showing I am legally obligated to pay this debt 4.proof that your agency is authorized to collect on this debt Until you provide proper validation, request that you cease all collection activity and communication with me regarding this account Thank you for your cooperation Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding a Santander XXXX  USA auto loan account that is reporting inaccurately on my credit report.

The account is reporting as Charged off as bad debt with a balance of {$16000.00}. However, the payment history reflects no 30, 60, or 90-day late payments, which is inconsistent with a charge-off status. This creates misleading and contradictory reporting.

I have disputed this account multiple times with the credit reporting agencies. Each time, the account was verified without Santander providing proper documentation to support the reporting.

To date, Santander has failed to provide : A copy of the original signed retail installment contract Full payment history from account opening through charge-off Documentation showing how the {$16000.00} balance was calculated Verification of the Date of First Delinquency Documentation
supporting the legal basis for the repossession and charge-off Despite multiple disputes, the account continues to report without competent evidence being provided.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), furnishers are required to conduct a reasonable investigation when a consumer disputes information. Automated or cursory verification does not meet this requirement.

I am requesting that Santander : 1. Conduct a proper investigation 2. Provide full documentation supporting the reporting 3. Correct or delete the account if accurate documentation can not be produced Continued reporting of inaccurate or unverifiable information is damaging and violates federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I contacted HSBC and requested my checking account be closed as I received a letter in the mail stating that they have new requirements to avoid a maintenance fee of {$50.00} a month. I do not meet the requirements and wanted my account closed for this reason. I contacted a HSBC agent with my request to close my account and was told that they are unable to close my account due to having {$0.00} in my global money account. They further told me that I need to transfer the amount out of the global money account, into the checking account. However, when I attempted to do so, I was unable to as the minimum amount to transfer from the global account is {$1.00}. I kindly request the agent transfer the XXXX to my checking account or send it as a check to my home address. The agent told me that they will have to ask the manager and that was the end of the first interaction. Since then I have contacted HSBC multiple times asking for an update on my request to close my account. The most recent interaction was the 1st of XXXX, XXXX. During this call, I was told that they would look further into why no one has processed my request and they would handle my situation personally. I was told they would call me within the week. I have still not been contacted about this ongoing dispute. I simply want my account shut so I do not get charged a $ 50 monthly maintenance fee. I do not care if I lose the XXXX in my global money account. I just want my HSBC account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Peer Advisors, LLC
State: NY

Complaint narrative:
This complaint concerns the same FHA-insured Home Equity Conversion Mortgage ( HECM ) referenced in prior CFPB Complaint XXXX XXXXXXXX. Since the companys response to that complaint, Compu-Link Corporation has issued a Notice of Intent to Foreclose & Accelerate Mortgage Balance dated XX/XX/XXXX, received XX/XX/XXXX. 

The servicer initiated acceleration of a balance exceeding {$670000.00} while material servicing and accounting disputes remain unresolved and subject to a formal written Notice of Error. 

Specifically : The principal foundation of the asserted balance includes early loan setup and disbursement entries totaling approximately {$85000.00}. 

The transaction history provided reflects entries marked as system XXXX, and does not identify payee, method of disbursement, instrument trace, signed authorization, settlement statement reconciliation, or source documentation substantiating those principal advances. 

Despite formal written request, the servicer has not produced documentation sufficient to verify these principal components included in the accelerated balance. 

The servicer previously represented that multiple outreach attempts occurred in XXXX and XXXX ; however, no call logs, mailing confirmations, field service reports, or supporting documentation have been produced. 

Acceleration has therefore been initiated during an active and unresolved servicing dispute, and while the principal components underlying the asserted debt remain unverified. 

The issuance of acceleration and threatened foreclosure under these circumstances raises concerns regarding : Adequacy of books and records supporting the asserted balance ; Sufficiency of the companys prior response to the original complaint ; Acceleration posture during an unresolved Notice of Error ; Documentation integrity relating to principal disbursements and migrated system entries. 

I respectfully request supervisory review of the servicers response adequacy and the decision to accelerate during an active dispute where material accounting components remain unverified. 

I am prepared to provide copies of the Notice of Intent to Foreclose, transaction ledger excerpts, and prior written dispute correspondence upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report.

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose.

This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

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 2026-02-16 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: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I've tried to pay Nelnet the remainder of my loan which is {$4900.00} They've been silently declining my repayment for 3 weeks now, it started late XX/XX/2026 and I'm still trying to pay off the loan. I've called 4 different times with 4 different customer service providers and i get the same answer every time which is, " Your loan is processing there's nothing we can do right now. '' My account on Nelnet 's website will say loan 'paid in full ' but 5 days later it will repost with interest accruing on the account even though I'm trying to pay the entirety of it. I've paid over the phone in the past 3 times which were large payments and had no issues. Up until this point where I'm trying to finish off my loan there is an issue with them accepting my money. They've said they filed a complaint I haven't heard anything back each time I call the customer service network there is no flag on my account to ensure this problem is being worked on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Green Square Company LLC.
State: AL

Complaint narrative:
On XX/XX/year> a representative of PRG and associates contacted my place of business and talked to a coworker. They informed my coworker that I had a debt through their office and they were seeking to garnish my wages. The coworker contacted me about this. I am not sure, but I believe other coworkers have talked to them on the phone because several coworkers have asked me about the debt and possible garnishment. I am embarrassed and feel my privacy has been violated.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: PA

Complaint narrative:
New debit card and to update my account. 
It has now been 3yrs and 2months that I have been trying to verify my identity to even speak to someone about my account. I finally got my personal documents together, confirmed my identity again and spoke to a rep in XX/XX/XXXX. They told me Id get a new card in 5 to 10 business days and still to no avail I have not received anything. 

I called back beginning of XXXX and they told me I had to verify my identity again, that my address, email and phone number didnt match, that the rep never updated it nor processed my request for a new debit card. 

The initial request occurred the week of XX/XX/XXXX we are now in XXXX OF XXXX. This is fraudulent, keeping the elderly from accessing there accounts, it is cruel the way they treat you while your looking for information or there code they send to emails, yet Ive been on hold for hours. When its close to 5 and they take your call, they act like they cant hear you and end the call. How many more ssi recipients are going through this? How many have given up? What if they have no family to help? New Technology? How many more innocent elderly peoples money is XXXX XXXX and the Government Really keeping from them!!! Stealing from them!!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
Fraudulent charge on my credit card of the amount {$1900.00}. The Credit Card account was with XXXX. It was denied and then i appealed the denial, and still it was denied after that. The card was stolen once I found out it was stolen. I called the company and submitted the fraud claim. And was granted a new card. The claim was denied and is still denied after the appeal. This was fraud and now I can not pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief