vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Requesting Validation from XXXX XXXX In XX/XX/year>, after my divorce, I decided to get my credit on track and began addressing my financial situation. I settled several accounts that were negatively impacting my credit and resolved those that required settlement. 

From the outset, I sent letters to XXXX XXXX in XX/XX/year> requesting validation and information about the account that appeared on my credit report. I have continued to dispute the account with the credit bureaus and requested information on how they validated the account. To date, I have not received any response from any partythe credit bureaus or XXXX XXXX. 

I completed my disputes today and have sent them again while I was submitting this complaint. The reason for this action is that I have never received a letter validating this account. I have not changed my address, so if I am not receiving correspondence, it suggests that XXXX XXXX is not sending me any validation documents. 

I would not make any payment to an account that does not belong to me. 

Please review my case and provide the requested validation of the account, as well as any documentation related to how this account was verified and reported to the credit bureaus. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MEPCO FINANCE CORPORATION
State: AZ

Complaint narrative:
In XX/XX/year> I was contacted by a home warranty company. I thought I understood what they were offering but I absolutely did not. I called them on several occasions to cancel and was given rude answers and was even hung up on many of these attempts. My closest friend, XXXX XXXX, explained what this company was selling to me which I then understood and knew that this something I not only didn't want but could not afford to even have. It originally sounded like it was about {$300.00} a year but turned out that it was over {$290.00} a month. I am almost XXXX XXXX, on a fixed low income and couldn't afford this even if I wanted it. 
This company refuses to cancel and has been harassing me with phone calls and mailings Please help me to resolve this asap Thank you for your time XXXX XXXX ( this message is typed by XXXX XXXX as I do not have the ability to do so )

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Acra Intermediate Holdings, LLC
State: FL

Complaint narrative:
I TOOK OUT A CONVENTIONAL LOAN WITH CITADEL ON XX/XX/2018 FOR {$500000.00}. I HAVE MADE ALL PAYMENTS SINCE. I AM NOT SATISFIED THAT MY LOAN BALANCE IS {$480000.00} AS STATED BY THE COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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: Relay Financial (US), Corp.
State: AZ

Complaint narrative:
XXXX XXXX is filing this complaint due to Relay Financial / Relay Banks prolonged failure to respond to a formal dispute and claims matter. 

The claim was originally filed on XX/XX/XXXX. Relay-appointed technicians conducted two separate diagnoses, after which we were repeatedly assuredby Claim Resolution staff including an individual named XXXX a written resolution would be provided. Despite these assurances, no resolution or substantive response was ever issued. 

On XX/XX/XXXX, XXXX XXXX issued a formal Final Notice demanding a written response by that date and advising that regulatory escalation would follow in the absence of response. Relay Financial did not respond to that notice.

As of today, Relay Financial has provided no written determination, no explanation for the delay, and no meaningful communication, despite multiple good-faith follow-ups. This ongoing silence has caused operational harm and financial exposure to our business. 

We believe Relay Financials conduct constitutes unfair and unreasonable delay, failure to communicate in good faith, and failure to follow basic dispute resolution standards. 

We respectfully request CFPB assistance to compel Relay Financial to provide a substantive written response and resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
A collection account was recently added to my credit report by a collection agency for an alleged debt in the amount of approximately {$1000.00}. I have no knowledge of this account and do not recognize the alleged debt. 

The account was reported to the credit bureaus without any prior notice or debt validation letter being sent to me. I was not provided an opportunity to dispute or request validation before the account was furnished to my credit file, which I believe violates the Fair Debt Collection Practices Act ( FDCPA 1692g ) and the Fair Credit Reporting Act ( FCRA ). 

After discovering the collection, I conducted a licensing search through the Nationwide Multistate Licensing System ( NMLS ) and found no active license authorizing this company to collect debts in the State of Florida, where I reside. Despite the apparent lack of state authorization, the company reported this collection to the consumer reporting agencies. 

I have formally disputed this account as inaccurate, unverified, and unauthorized, and requested full validation and proof of licensing. At this time, the account remains on my credit report without proper verification. 

I am requesting that the CFPB investigate this matter and require the company to cease unlawful collection activity and remove/delete the unverified collection account from my credit report, as it is causing harm to my credit profile and was reported without compliance with federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP
State: IL

Complaint narrative:
See Exhibits Attached Basic Facts XXXX XXXX XXXX Applicant Credit Score XXXX Applicant XXXX Applicant XXXX XXXX Applicant Total Return Trust was not accepted as a valid income source at {$66000.00} in XXXX at {$5500.00} per month at XXXX XXXX Bank. 

I paid my Home Mortgage off in XXXX of XXXX at XXXX XXXX as sold by US Bank in XXXX. 

I paid off all leasing contracts at XXXX XXXX in XXXX of XXXX. 

I have a 5 % usage of revolving credit at XXXX XXXX. 

I have one installment agreement at {$140.00} a month with XXXX at a payoff of {$5000.00} US Bank XXXX XXXX Oral Denial by XXXX XXXX. Debt to Income Ratio too high. XXXX refused to provide specifics. 
2. " Living Trusts '' for Retirement Income as Total Return Trust conversions are not valid usable income at US Bank. XXXX refused to provide specifics. 
3. According to XXXX, I do not qualify for a minimum HELOC Credit line of {$25000.00}. No counteroffer was made on my inquiry. XXXX refused to provide specifics. 
4. I was in a life-threatening XXXX in XXXX in being XXXX and XXXX. I closed my business on XXXX at XXXX. XXXX XXXX ) referenced that my BUSINESS Schedule C NOL Income and 2 ) my retirement miscellaneous odd job income in XXXX at - {$350.00} ( unadjusted by my accountant on a new Schedule C ). 
5. XXXX stated that I would not be given a specific letter as to the reasons in arriving at the denial upon my request. 
6. I terminated the call in letting him know that I consider the denial a form of lender discrimination I consider the denial to be alleged discrimination. I have a valid retirement Total Return Trust income of {$5.00} at month at XXXX XXXX Bank with excellent credit rating ( XXXX ) with minimum debt to income ratios at a credit usage of 5 % on my credit report. I am citing Age and disclosed post XXXX XXXX XXXX in the alleged US Bank Discrimination to approve a HELOC Application that I believe am qualified for with or without a counteroffer. 

XXXX XXXX XXXX

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 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
This company is violating my rights Under 15 U.S.C 1681s-2 ( a ), data furnishers are required to report accurate and complete information. Reporting unverifiable or inaccurta data is a violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation
State: KY

Complaint narrative:
I received in the XXXX mail on XX/XX/year> a letter delivered to my home address that stated that I had been sent to a collection agency ( XXXX XXXX ) by XXXX for an outstanding credit card chargeback fee of {$1300.00}. I sent an email to this collection agency requesting specific information regarding the alleged initial transaction. They supplied to me a false customer name, a bogus batch number, and other inaccurate information about this alleged transaction. I do not own a business, and this information supplied to me says that I was in an agreement with XXXX to handle my business transactions ( I am a XXXX employee ). I asked that they produce a signed agreement between me and XXXX, and they sent me an unsigned account enrollment application with inaccurate personal information on it along with inaccurate information about this business they allege that I own. Things like the business establishment date, my phone number, my email address are all incorrect. I also have never had a business relationship or personal relationship with the bank they listed as the merchant bank on this form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: AR

Complaint narrative:
I have been calling the dealership since XXXX XXXX to make a payment. I have called : XXXX, XXXX ( XXXX ) XXXX, XXXX. I have called so many times. No answers. XXXX ( XXXX ) XXXX number I just recently got this number from one of the workers named XXXX and she told me to call that number and have been for a few days now. Calls go to voicemails and its not set up. I was informed the dealership was closed down and thats it nobody emailed nobody called just have been waiting to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
b'I am filing a complaint against Financial Recovery Services, Inc. (FRS) for providing false/invalid contact information on a debt validation notice, which effectively blocked my legal right to dispute a debt under the FDCPA.\n\nOn XXXX XXXX XXXX  I received a notice regarding an alleged XXXX XXXX (Account ending in 7632). The notice stated | had until XXXX XXXX XXXX, to dispute the debt in writing at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, I sent a formal Debt Validation Letter via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the exact address provided. XXXX XXXX XXXX XXXX, the mail was returned to me by the USPS marked "Vacant - Return to Sender."'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: OR

Complaint narrative:
We applied for a credit card, they said they couldn't finish the application because they could not validate identification information. We tried calling the number to resolve this, but there's no way to get through. Mind you we were able to open a retirement account and had enough identification information to do that.

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 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My issue is with misinformation given by XXXXPP rep when submitting payments for two special financing accounts : ( 1 ) {$22.00} & ( 2 ) {$29.00}. 
On XX/XX/year> I spoke with an agent in whom I ask to confirm the accounts would be removed from my statement upon receipt of payments and she did as a matter of fact say the accounts will be removed. 

Fast forward to XX/XX/year> I receive a email with update from PP, confirming payment I just made a day or so before and in checking my statement I see the two accts are still showing outstanding on my ( updated ) statement. I place call to PP card servicer XXXX only to be told it take at least two billing cycles for the acct to update after a payment is made. 

The complaint comes in because during the call with the XXXX rep I was ask to pay the same two balances again. Right after making a regular scheduled payment, greater than the amount due and the amount of both special financing accounts. As a long time consumer with PP I felt very disrespected. I did let the XXXX rep know I would be submitting a complaint. At the time of this complaint the two accts are still on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Garrison Investment Group
State: GA

Complaint narrative:
Beginning in XX/XX/XXXX, I was asked to pay an installment loan from a Finance Agreement that I did not sign. I informed the company that I did not know agree to these terms. I asked them to forward me a copy of how these terms were established. The copy of the finance agreement that was sent to me by them had terms that were totally different from what was quoted by the vendor. The finance agreement did not have my signature but a Docusign signature that I never agreed to send. The terms of the finance agreement were much higher than what was quoted by the vendor. The vendor submitted the Docusigned document to the finance company and because the finance company paid the vendor, they are coming after me for the project cost. 

Since XX/XX/XXXX, Foundation Finance has sent a statement every month with more interest accumulating. Also, I have since received several calls, statements, emails and a few letters from the finance company because of the

Docusigned finance agreement that was submitted by the vendor. I have also reached out to the vendor, Artifical Grass Pros, to let them know what has happened as recently as today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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: Wolf River Development Company
State: CA

Complaint narrative:
When I applied for the loan onXXXXXXXX for {$600.00}. I felt pressured to take the loan even when I stated multiple times I was at work and could not look at anything. I was not able to look over interest rates or anything. Everything was over the phone and very pushy to accept. Wanted access to my bank account I said I was not going to log in and give them access. I repeatedly asked if I could call back after work. But I was pushed to do the main right then. I was unaware of how much the loan would be paid back and the amounts change every time payment is due and are only allowing me to have ACH payments. I wasnt aware of all the fees that have been tacked on and how it was going to cost me over {$2000.00} to have a {$600.00} loan. None of this was discussed I was unaware until I made a log in and seen everything. They refuse to take my bank account off. On the agreement it says you can do payments by debit card but when you call to get the automatic payments off they wont let you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Weels fargo bank received my tax income refund money wich is {$6600.00} from the IRS and deposited to the wrong account, weels fargo should verify the income to match it with the account holder name, if its no Match, the supposed to return the money to the IRS, instead the accepted and deposited in wrong bank account. 
The IRS send a letter asking the money back, the never answered, thank IRS again send second letter and give them 90 days to return the money back, weels Fargo never did. 
Im bagging you please to solve the problem by asking werls Fargo to return my money to the IRS, so the IRS can send it to me. 
I have Ben waiting since XX/XX/year>, because IRS ask me to wait in order to retrieve the money from weeks Fargo. 
Weeks Fargo violated the rules when they did not Mach the name of the account holder to the name on transaction. 
Please help me to recover my money, Im a XXXX XXXX XXXX wife and XXXX kids and sick parents. 
I really appreciate your help.

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 2026-02-12 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
SUPERIOR COURT OF NEW JERSEY - XXXX The following notice is being sent from XXXX : Plaintiff Name : LVNV FUNDING LLC Defendant Name : XXXX XXXX, XXXX BANK, XXXX BANK, XXXX BANK Case Caption : LVNV FUNDING LLC XXXX XXXX XXXX Case Number : XXXX DC XXXX Docket Text : WRIT OF EXECUTION AGAINST XXXX AND XXXX assigned to XXXX XXXX XXXX XXXX XXXX Case Management Staff Transaction ID : XXXX Notice has been electronically mailed to : Plaintiff Attorney XXXX XXXX XXXX XXXX Court XXXX XXXX XXXX XXXX XXXX Defendant XXXX, XXXX XXXX Notice was not electronically mailed to : Other XXXX BANK XXXX XXXX XXXX XXXX XXXX, MT XXXX, NJ XXXX XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Please provide the date the accounts went into delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I'm on XXXX and opened a capital one card in order to build credit, I was using the card for the dollar purpose of building credit. When I would charge it to the limit, I would use my once a/month XXXX payment to pay it off. Capital One started holding my payments, without posting them to my account, and without adjusting my available balance. Keeping me from utilizing the card in the way it was intended for. They would take the payment from my account ( it would clear me back account within XXXX hours, capital one would not post it for up to 10 days. So now, I've made the payment but can not use the available credit, when on a tight budget, this is forcing me into a bag credit situation. They're able to charge me more fees and interest, and keeping me from building positive credit. 
They last two payment cycles, they charged me return payment and late fees, and then closed my account. 

Now I know, they never presented those payments to my bank. So when I paid off at the end of the month, they started holding payments and not making credit available. When I called to complain, the advanced tactic was to return my payment without presenting it and telling me my bank returned it. Then preventing me to make another payment until after my due date, because they would not post the return payment back to my account, leaving my balance at XXXX, which kept me from making an alternate payment. 

These practices are targeted at people like me, on XXXX, attempting to build credit, and they are predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
Around XX/XX/XXXX, I received an email claiming I had won a {$1000.00} Chime giveaway. The email contained a link to what appeared to be a Chime website. The link directed me to a fraudulent website ( hosted on a XXXX domain ) that looked like Chime and asked me to enter my login credentials, last four digits of my Social Security number, debit card information, and a one-time security code. 

I entered the requested information, believing the website was legitimate. The one time code I entered was a real security code from Chime, which was used by the scammer to gain unauthorized access to my account. 

After this, multiple unauthorized Pay Anyone transfers were made from my Chime account without my knowledge or permission. I did not authorize or approve any of these transactions, and I do not know the individuals who received the funds. 

The unauthorized transfers occurred between XX/XX/XXXX and XX/XX/XXXX and include transfers to individuals identified as XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

I am a victim of identity theft and account takeover fraud. I am requesting documentation of this identity theft to provide to my financial institution in support of my dispute and reimbursement claim.

Company response to consumer: Closed with explanation