vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX Ny  XXXX ] [ XX/XX/year> ] [ cavalry portfolio serv ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX CT XXXX ] RE : Account Number [ XXXX ] To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt referenced above. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Be advised that this is a formal demand for validation, not a mere verification of my identity. To satisfy your legal burden of proof, you are required to provide the following : Itemized Proof of Debt : A complete breakdown of the alleged debt, including the original principal, and an itemized list of all interest, late fees, and collection charges added. The Original Agreement : A copy of the signed contract or agreement between myself and the original creditor. Chain of Title : Legal documentation proving that your agency has the authority to collect this specific account ( e.g., a Bill of Sale showing the transfer from the original creditor to you ). License Verification : Evidence that you are legally licensed to collect debts in the state of [ Your State ]. Regarding Credit Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : As a furnisher of information, you are legally prohibited from reporting any information to credit bureaus that you knowor have reasonable cause to believeis inaccurate. Because I am formally disputing the accuracy and existence of this debt, any continued reporting of this account to XXXX XXXX, or XXXX  without first providing the requested validation will be documented as a willful violation of the FCRA. You must cease all collection activity immediately until you have provided the requested documentation. If you can not provide this evidence within 30 days, I expect you to close the file and remove all references to this account from my credit reports. Sincerely, XXXX XXXX ] I want the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
This is in regards to a dispute of charges on my account. Unauthorized charges. The actions SOFI bank customer support people are doing is unacceptable. A charge from XXXX XXXX came through for {$99.00} and because I didn't answer the text asking if I should accept this yes or I should not accept this charge no they take it upon themselves to pay it where there had been no charges from credit ever and over 2 years that I've been with them then there is together loans there were XXXX charges XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX and I have screenshots of these then it went down to XXXX charges then it went down to XXXX charges after I spoke with him but I never received the money back well they just did deposit back {$10.00} for XXXX charges but they took it was XXXX charges all together then there was XXXX financial at {$10.00} a piece 4 times. I have been going through this for over 3 weeks I'm XXXX citizen like I said I can't get into my account now because they want a security thing and I don't have my ID cuz I'm my birthday I just need to renew my birthday was just a month ago and I had a date to get my renewal but they took my money and I can't get it done as I said this customer service support team has been so tacky the way they speak to me.. and now they keep adding more charges I don't even understand how and why they can keep doing this please help me I have only fixed income I have a government phone and please charge it on my account over 2 years and they will not refund it back but yet credits ain't says they did a chargeback and the bank is holding my money that is so taking advantage of me I feel like I'm being discriminated against because of my age and I can't get into my account this is so wrong again My name is XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX is when I noticed my device was missing/stolen. This device had my CashApp already logged in. When I logged into CashApp from my other device, I noticed several transactions that I didnt make/authorize. I noticed the same thing when logging into my online banking. I disputed this with CashApp, letting them know my phone was stolen. They then denied them, saying that I authorized these transactions due to a security lock feature when they told me previously that it is possible to bypass, if the phone already had cashapp logged in. After this, I disputed it with my bank. The bank ( XXXX XXXX ) approved XXXX out of several disputes but denied the rest .. even though they all occurred at the same day & time. They wouldnt allow me to file an appeal due to XXXX stating that the transactions were made from a device with previously authorized transactions. Which of course it would, if the device was STOLEN. I dont understand how XXXX transactions can be approved but the rest are denied, when they all happened at the same time and went to the same recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
Account : XXXX XXXX XXXX.. XXXX XXXX : XXXX The account were not properly investigated According to XXXX XXXX XXXX ( XXXX ) I see it states after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer an item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I opened a Capital One 360 Checking account on XX/XX/2025, specifically to receive the {$300.00} promotion. I switched my Social Security direct deposit to Capital One, but due to the government processing time, my first deposit didnt arrive until XX/XX/2025. 

Because of this timing, I missed the XXXX requirement for XXXX deposits by XXXX deposit cycle. I have been receiving consistent deposits since then and intended to make Capital One my primary banking relationship. 

I am requesting a review of my account for the promotional credit, as I met the intent of the promotion and brought my Social Security benefits to Capital One. I would greatly appreciate a courtesy credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America for violating the Fair Credit Billing Act ( XXXX ) by falsely denying my fraud claim due to " untimely reporting. '' The bank claims I failed to report the unauthorized charges within XXXX  days. This is factually incorrect and contradicted by their own records. 

Evidence : My attached XX/XX/XXXX billing statement proves I reported the fraud immediately. Page XXXX clearly shows " FRAUD DISPUTE '' credits processed on XX/XX/XXXX, and XXXX, XXXX. 

They did not answer any of my email or call. 

Violation : It is impossible for my report to be " late '' when the bank 's own statement shows they were already processing the dispute in XXXX XXXX. The bank is ignoring its own documented timeline to deny a valid claim. 

Resolution : I request that Bank of America immediately correct this error, reopen the dispute based on the attached proof of timely reporting, and permanently credit the fraudulent charges.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX ny XXXX ] [ XX/XX/year> ] [ portfolio recovery XXXX XXXX XXXX XXXX [ XXXX VA XXXX RE : Account Number [ XXXX ] To Whom It XXXX Concern, I am writing to formally dispute the validity of the alleged debt referenced above. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). Be advised that this is a formal demand for validation, not a mere verification of my identity. To satisfy your legal burden of proof, you are required to provide the following : Itemized Proof of XXXX : A complete breakdown of the alleged debt, including the original principal, and an itemized list of all interest, late fees, and collection charges added. The XXXX XXXX : A copy of the signed contract or agreement between myself and the original creditor. Chain of Title : Legal documentation proving that your agency has the authority to collect this specific account ( e.g., a Bill of Sale showing the transfer from the original creditor to you ). License XXXX : Evidence that you are legally licensed to collect debts in the state of [ Your State ]. Regarding Credit Reporting ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) : As a furnisher of information, you are legally prohibited from reporting any information to credit bureaus that you knowor have reasonable cause to believeis inaccurate. Because I am formally disputing the accuracy and existence of this debt, any continued reporting of this account to XXXX XXXX XXXX XXXX  without first providing the requested validation will be documented as a willful violation of the FCRA. You must cease all collection activity immediately until you have provided the requested documentation. If you can not provide this evidence within XXXX  days, I expect you to close the file and remove all references to this account from my credit reports. Sincerely, XXXX XXXX ] I want the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
XXXX, XXXX financed a vehicle through Ally Financial under XXXX XXXX. XXXX. Ally Financial remains the lienholder. 

For over XXXX months, XXXX XXXX XXXX has attempted to obtain a copy of the vehicle title or title memorandum required to comply with Pennsylvania Department of Transportation ( XXXX ) Section XXXX registration requirements. 

Ally Financial referred XXXX XXXX XXXX to XXXX XXXX XXXX to obtain the title documentation. XXXX XXXX XXXX has confirmed it can not release the title without authorization from Ally Financial. Ally Financial has not provided such authorization. 

A revised payment arrangement was executed with payments scheduled to resume XX/XX/year>. Despite this agreement, Ally Financial has not issued any updated XXXX documentation, written confirmation, or copy of the title. 

On XX/XX/year>, XXXX XXXX XXXX submitted a formal Compliance Escalation and Pre-Litigation Demand via Allys secure customer portal, allowing XXXX ( XXXX ) business days to cure the issue. The cure period expired XX/XX/year>. Ally Financial has not responded. 

The failure to provide title documentation is preventing compliance with state vehicle registration requirements and exposes XXXX XXXX XXXX to regulatory risk through no fault of the borrower. 

XXXX XXXX XXXX requests immediate release of XXXX proof of title or written authorization permitting release through XXXX title vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: OR

Complaint narrative:
We got pre approved for a loan through XXXX XXXX in Oregon. We ended up not proceeding due to needing a roof before we could have solar installed. XXXX XXXX sent the loan through anyway and we now have an open balance since XX/XX/year> of over {$21000.00}. XXXXolar Mosaic is the loan company ( now called Solar Servicing LLC ). There seems to be quite a few complains about my exact situation. Its hurting my ability to finance other things for my family. Ive been going back and forth with both XXXX forever and Solar Mosaic. I have a cancellation confirmation from XXXX XXXX so it appears the issue to be on the financial companies side.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MA

Complaint narrative:
What Happened : On XX/XX/XXXX, I submitted a Direct Consolidation Loan application to consolidate approximately {$100000.00} in federal student loans. On the same date, I submitted an Income-Driven Repayment ( XXXX ) Plan Request form selecting the XXXX plan ( now XXXX ), as instructed by the federal consolidation application. 

My consolidation was processed in XX/XX/XXXX and transferred to MOHELA for servicing. 
In XX/XX/XXXX, I called MOHELA about my account status. The representative acknowledged that MOHELA had mistakenly failed to place my loans into SAVE forbearance. The representative said MOHELA would correct the error and fix my credit reporting, and that this would take a few months. 

In XX/XX/XXXX, my credit report still showed delinquent status. When I called MOHELA in XXXX, a representative contradicted the earlier admission of fault, claiming I should have submitted a new XXXX application after consolidation and that it was my responsibility to call when I received bills. The agent then transferred me to a supervisor line ; the line disconnected without connecting me to a supervisor. 

On XX/XX/XXXX, I attempted again to resolve this directly with MOHELA : Call XXXX : Disconnected during transfer to a XXXX Call XXXX : Requested supervisor callback that was never fulfilled MOHELA admitted their mistake in XX/XX/XXXX but never corrected my credit reporting. My credit continues to show delinquent due to their failure to process my XXXX application that was correctly submitted with my consolidation.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC and its servicer XXXX XXXX XXXX are attempting to collect and report a debt of XXXX dollars with Date Opened XX/XX/XXXX while reporting Date of First Delinquency XX/XX/XXXX. The account reflects inconsistent removal dates across credit bureaus. I have disputed this with XXXX XXXX XXXX XXXX XXXX reports no historical payment data. This debt appears time barred under Florida law. The amount and reporting are inaccurate and misleading. Please provide full documentation including original contract complete payment history and chain of assignment or delete the account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
CARTER-YOUNG is falsely reporting on my credit. I have never had any accounts with them. Per my research CARTER-YOUNG 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: AZ

Complaint narrative:
So this has to do with unauthorized transactions that continue to clear my account and this has left me countless times with no money. While trying to stay afloat and alive during these trying times somehow I am yet another XXXX target. With this being said duplicate charges clear my account and I have submitted stop payments on said merchants and yet this issue stops for about a month and then starts right back up. This is a cheap tactic that's used to exhaust my money to keep me from being able to afford the necessities that a person needs to live day to day not to mention it's just another way to try to continue to harass me because at this point that is exactly what this is and it's obvious. The most recent charges totaled XXXX and there were XXXX transactions that cleared my account and not realizing it and now it's too late.. .I think not. This same XXXX XXXX happened with XXXX and XXXX as I was getting charged by both companies at the same time different amounts. Now explain to me how this is possible given that its hard to ride in two different vehicles at the same time but I also understand they both operate on the same platform.... 
So yes I fixed the issue with that but this is just another issue that's exhausting my money. If I wanted you in my business XXXX I would include you. Your not XXXX XXXX and your going to XXXX XXXX believe it.There has to be something that protects me as a consumer and customer with this bank and or the quick way to resolve this would be to close the account and reopen another one but I should not have to do this because of my information being leaked out or someone watching my every move which is illegal and get a XXXX life XXXX, stay XXXX  XXXX out of my account and go XXXX yourself XXXX because this is XXXX that I am the one having to be the one that's under attack for someone XXXX with my account and your XXXX XXXX can go to XXXX XXXX because you already know this is the truth and you continue to use your cheap XXXX tactics on harassing me in this way should be the same reason your XXXX is sent to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: VELO LAW OFFICE
State: IL

Complaint narrative:
Our company phone number received three calls from a debt collection law firm but the messages say they are calling for employment verification and are not disclosing that they are attempting to collect debt. 
https : //velo.law/contact/ See attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am filing this complaint against Midland Credit Management for obtaining my consumer report without establishing lawful permissible purpose and for reporting an alleged collection account without providing proper validation or proof of ownership. 
XXXX accessed my consumer report despite there being no demonstrated collection relationship between myself and their company. I have not entered into any contract with Midland Credit Management, and they have failed to provide documentation establishing that they lawfully own or were properly assigned the alleged debt. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( a ) ( XXXX ) ( A ) ), a company may only obtain a consumer report if it intends to use the information in connection with the collection of an account of the consumer. XXXX has not produced evidence that such an account exists or that it has legal authority to collect it. 
Additionally, pursuant to 15 U.S.C. 1681e ( b ), furnishers must follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting a collection account without substantiating ownership and assignment fails this statutory requirement. 
Further, under 15 U.S.C. 1681i ( a ), when a consumer disputes information, a reasonable reinvestigation must be conducted. Automated verification through systems such as XXXX, without producing documentary evidence of ownership, does not satisfy the requirement of a reasonable reinvestigation. 
Courts have recognized that debt buyers must demonstrate competent evidence of ownership and assignment when attempting to collect or report debts. In XXXX XXXX XXXX XXXX XXXX, involving XXXX XXXX XXXX, the court emphasized that a debt buyer must establish that it owns the specific account at issue and has authority to collect it. Generic bills of sale without account-level documentation are insufficient to prove standing or ownership. 
Accordingly, I am formally requesting that Midland Credit Management provide : Complete chain of title / chain of assignment from the original creditor to XXXX. 
A copy of the executed assignment contract transferring my specific account. 
A bill of sale identifying my alleged account by name and account number. 
Documentation establishing the date XXXX acquired the account. 
Documentation demonstrating permissible purpose at the time of accessing my consumer report. 
A copy of the original signed agreement bearing my signature.

Company response to consumer: Closed with explanation