vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 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: NY

Complaint narrative:
Complaint Against : Cavalry Portfolio Services {$520.00} Complaint Type : Incorrect information on credit report / Request for removal Complaint Description : I am filing this complaint regarding inaccurate and unverified collection accounts being reported on my consumer credit reports by Cavalry Portfolio Services.

Cavalry Portfolio Services is reporting a collection account in the amount of {$520.00}. I have disputed these accounts with the credit reporting agencies ; however, the accounts continue to be reported without proper validation. 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification and validation of any alleged debt. To date, neither company has provided sufficient documentation to prove that : the debt is mine the amount is accurate they have the legal right to collect there is a valid, signed agreement bearing my signature These accounts are negatively impacting my credit profile and my ability to obtain housing and credit.

I am requesting that Cavalry Portfolio Services : Provide proper validation of these alleged debts, including original creditor information and a signed agreement. 
If they can not provide this documentation, immediately delete these accounts from all credit reporting agencies. 
Cease reporting inaccurate and unverified information. 
I am also requesting that the credit bureaus remove these accounts if the companies can not comply with federal reporting requirements. 
This matter is time-sensitive, and I expect a prompt investigation and resolution.

Desired Resolution : Removal of the account and the Cavalry Portfolio Services {$520.00} account from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CarMax, Inc.
State: IL

Complaint narrative:
CarMax Auto Finance calls me everyday 2-3 times a day. Per The Fair Debt Collections Practice Act, they can not call more than seven times within a seven-day period or within seven days of talking to me regarding the debt. I spoke with someone from XXXX about the debt XX/XX/XXXX and they continued to call each day after within the seven day period and has continuously called me more than seven times within a seven day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reviewed my consumer credit report and discovered information that is inaccurate, incomplete, and misleading. 

I never provided written authorization or consent permitting this information to be furnished or maintained on my consumer report. 

The reporting of this information lacks a demonstrated permissible purpose as required under 15 USC 1681b. Lawful authority to report is a prerequisite to any claim of accuracy, verification, or investigation.

The reporting of this information fails to meet the requirement of maximum possible accuracy under the Fair Credit Reporting Act, including 15 USC 1681e ( b ).

Additionally, the information reported includes data that is excluded from consumer reports under 15 USC 1681a ( 2 ) ( B ), as it reflects personal experiences rather than permissible credit reporting information.

Consumer reporting agencies have a duty to ensure fairness, accuracy, relevancy, and proper utilization of consumer information. This agency failed to adopt or follow reasonable procedures to ensure the accuracy and lawful reporting of this information.

Accuracy can not be established where the underlying disclosure itself is not supported by lawful authorization. 

This complaint does not constitute an admission of liability, ownership, or responsibility for the reported account. 

The absence of a demonstrated permissible purpose renders continued reporting improper regardless of any claim of accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
FORMAL FCRA DISPUTE LETTER Your Name Your Address City, State ZIP DOB ( last 4 only ) SSN ( last 4 only ) Date Re : Formal Dispute Under FCRA Inaccurate Third-Party Collection Account To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my credit report. 

The account listed as : ONLINE INFORMATION SERVICES Balance : {$2400.00} Opened : XX/XX/year> Status : Placed for collection is inaccurate and does not belong to me. 

I have never opened an account with ONLINE INFORMATION SERVICES. This appears to be a third-party collection agency attempting to report an alleged gas bill. I have no contractual relationship with this entity, nor have I provided authorization or permissible purpose for them to access or report my credit information.

Under the Fair Credit Reporting Act : 604 requires a permissible purpose to furnish or access consumer information.

623 ( a ) ( 1 ) ( A ) prohibits the reporting of information known to be inaccurate.

611 ( a ) requires a reasonable reinvestigation of disputed information.

Because I have no contract or account with ONLINE INFORMATION SERVICES, this reporting is inaccurate and misleading. If this is a third-party debt collector, they must also comply with the Fair Debt Collection Practices Act and provide proper validation of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am requesting a formal review of the permanent limitation placed on my husband XXXX XXXX account.. 

On XXXX I sent my husband XXXX XXXX {$160000.00} as a personal transfer. No goods or services were exchanged. The payment was not related to business activity and was deposited into his personal PayPal account. 

I did not select or authorize a purchase or goods and services transaction. If the system categorized it that way, it was not intentional. There were no options on the app to select any goods or services or purchase anything. I selected the amount his name and hit send. PayPal has flagged his account as high risk or fraud. The keep saying that it is a business transaction but the money is in my husbands personal PayPal account not a business account. It was personal from me to my husband for our bills. This is causing us financial harm. 

I understand PayPal has compliance obligations, and I am fully willing to provide any documentation needed to verify that this was a legitimate personal transfer between spouses.

At this time, his entire account has been permanently limited and funds are being held. I respectfully request : 1. A clear explanation of the specific policy violation cited.

2. A manual review of this transaction.

3. Restoration of my account if no violation occurred.

4. If the account can not be restored, prompt release of my personal funds without an extended 180-day hold, as no goods or services were involved.

I appreciate your time and look forward to resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
I have my mortgage Acct # XXXX with ServiceMac and they have not paid my property tax which was due XX/XX/XXXX, in the amount of {$4100.00}. with the late fee it is now {$4500.00}. there esrow statement shows a disbursement on XXXX XXXX the amount of {$4500.00}. According to XXXX tax collector as of XX/XX/year> no payment has been recieved. Escrow balance is {$8400.00}. I should not pay for late fees becuase the ServiceMac cant pay my property tax bill. I called ServiceMac property tax line at XXXX, I spoke with supervisor who said it may take upto a month to investigate the issue and there was a code not to pay. In my opinion this is an company issue not my issue and I just want my property tax paid without paying late fees. ServiceMac also has a project distrubution for my XXXX property tax and according to the statement they have added another late fee for me to pay, I guess they are planning to be late again. 

Please Help. 
Thank you in advance. 
XXXX XXXX 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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint against Capital One regarding a systemic technical failure on my XXXX XXXX account that is preventing me from redeeming earned travel reward The 'Transfer Rewards ' portal has been completely inaccessible, throwing a generic 'Oops, we hit a snag ' error. 

This issue is occurring across multiple devices, networks ( Wi-Fi and cellular ), and even separate accounts in my household. I recently removed an authorized user, which I believe triggered a security block that the system is failing to resolve. 

I have contacted Capital One support multiple times. The agents I spoke with were untrained on the XXXX XXXX airline transfer feature and were unable to provide any technical escalation or timeline for a fix. This technical barrier is preventing me from transferring miles to travel partners for time-sensitive bookings, effectively devaluing my earned rewards in violation of consumer protection standards.

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: VA

Complaint narrative:
b'CASHAPP REFUSES TO HELP OR REFUND MY MONEY FOR CLEARLY UNAUTHORIZED TRANSACTIONS. Ive made multiple attempts to get my money back through cashapp and have only received partial refund. Ive opened multiple police reports and multiple disputes with cashapp. I need full refund I dont want to have to keep disputing because Im only being partial refunded for unauthorized transactions\n\nStolen devices:XXXX XXXX XXXX XXXX XXXX XXXXWhat is your legal name? XXXX XXXX XXXX XXXX XXXX XXXXemail address:XXXX  \nphone number linked to your account? XXXX \nWhat is the date and amount of each transaction related to the issueXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theres MORE 3. Why do you believe an error occurred with this payment? My XXXX XXXX wallet, pin information, passwords, and State ID were stolen on XXXX XXXX  at XXXX XXXX XXXX and then my XXXX XXXX  was stolen again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tracked the devices on all 3 occasions, opened 2 police reports, and also opened multiple claims with the CFPB. I HAVENT RECEIVED A FULL REFUND'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX device ( Account # XXXX ) that was defective and non-functional. I was unable to use the service. Within days, I called XXXX customer service to cancel the service and return the device. I spent two full days on multiple calls with XXXX representatives to ensure the account would be closed properly and no charges would apply since the device never worked. 
XXXX delayed in sending me the return packaging. When I finally received it, I immediately returned the defective device. Despite my efforts to resolve this before any billing issues occurred, XXXX sent the account to XXXX XXXX collections. 
XXXX XXXX suspended collection activity in XX/XX/XXXX, stating XXXX was investigating the dispute ( XXXX XXXX Reference # XXXX ). I filed a CFPB complaint against XXXX XXXX ( Case # XXXX ) which has since closed. 
However, TSI has been texting me since XX/XX/XXXX ( sender number XXXX, phone XXXX ) claiming I owe {$250.00} on TSI account # XXXX. TSI is attempting to collect while XXXX XXXX simultaneously has this same account suspended pending XXXX 's investigation. This appears to be XXXX sending the same invalid debt to multiple collection agencies simultaneously, with both agencies pursuing collection on the same disputed debt. 
I have contacted XXXX XXXX Department multiple times to resolve this and was repeatedly transferred in circles with no resolution. I never used this service, the device was returned, and I should not owe this debt. The debt has been reported to my credit reports causing damage to my credit score. 
I am requesting that TSI validate this debt with proof I used the service and did not return the device, or immediately cease all collection activity and remove this from my credit reports.

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: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I opened an account with PayPal for legitimate freelance and business purposes. During the account verification process, I uploaded my valid National Identity Card as requested. However, about 30 seconds after submitting my ID, my account was suddenly and permanently limited without any clear explanation. 

I did not receive any specific reason for this action, and I believe this decision may have been made in error. All the information I provided is accurate, and the identification document I submitted is authentic and valid. I rely on this account to receive payments for my freelance work, and this unexpected restriction has negatively impacted my income and ability to conduct business. 

I have attempted to contact the company to understand the reason for the permanent limitation and to request a review of my account, but I have not received a clear or satisfactory response. I am willing to provide any additional documentation or information needed to verify my identity and comply with their policies. 

I am requesting that the company conduct a fair review of my case, clearly explain the reason for the permanent limitation, and restore my account if no violation has occurred. I also request transparency regarding their decision and the opportunity to resolve any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt an abundance of stress and humiliation. Being turned away by landlords for something I believe should not be on my record. This has impacted me in so many ways and has affected my ability to provide safe and stable housing for my children. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account which we ever agreed upon, and I never signed an agreement on. A legal Contract is signed by two parties and I was never a participant of such. Also they didnt follow the 5 step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly they have violated my rights and abused my privileges.

Company public response: Company can't verify or dispute the facts in the complaint
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 is not yours
Company: Self Financial Inc.
State: TN

Complaint narrative:
XXXX Bank XXXX Self Financial Acct XXXX XXXX or # XXXX In the Amount of {$710.00} This acct is on my credit report, with all XXXX Credit Bureaus , which I have no knowledge, stating that I Paid As Agreed, Never Been Late, I Demand The CFPB, XXXX to seriously investigate this dispute with XXXX Bank XXXX XXXX to the fullest, XXXX Bank has stated on my credit report with each credit bureau that I Paid As Agreed & Never Late, I demanded proof of authorization from any & each payment from any debit or credit card, money order that I made any payment and the date that I paid, because XXXX will not prove by any means this is my account, I ever paid any amount nor was I ever late, because I have no knowledge of this account. 1. Under the FCRA, I demand a very serious investigation into this account from all XXXX  credit bureaus, especially XXXX Bank, this is a fraudulent item and I demand it be removed and deleted IMMEDIATELY from each credit bureau because it has serious damaged my credit score & my ability to gain credit. 2. I Request For Proof Of Authorization. 3. I Have Filed A Fraud Dispute Against XXXX Bank concerning this account. 4. I Demand Information Disclosure Section ( 609 ) 5. I Have Filed A Police Report And FIC Identity Report. XXXX Bank, you will not get away with using false information against me stating I owe you & have no knowledge of this account, also to the point, stating that I paid as agreed & never was late. I never paid you anything, because I have no knowledge of this account. CFPB, I SERIOUSLY REQUEST YOU TO LOOK INTO THIS XXXX BANK/ XXXX XXXX XXXX TO THE FULLEST & HOLD THEM ACCOUNTABLE FOR DISTURBING PPL LIVES & CAUSING ISSUES BY PLACING FRAUDULENT ACCOUNTS ON CONSUMERS CREDIT & HOLD TRANSUNION ACCOUNTABLE AS WELL THAT A FULL & SERIOUS INVESTIGATION BE DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX, I contacted XXXX due to 7 months of unauthorized charges. On XX/XX/XXXX they credited 1 month and told me I needed to contact my bank to dispute the other 6 months. On XX/XX/XXXX I filed a dispute with chime as XXXX suggested. Chime eventually approved one of the disputes and not the other five. The one they approved never got credited to my account. They tried to tell me they did on XX/XX/XXXX. That one was between me and XXXX and not included in my dispute with chime. I did reopen the dispute for the other 5 that were denied, but they refuse to credit the one they approved. I asked to speak with someone who could help, they hung up on me. 
the unauthorized charges were as follows. 
XX/XX/XXXX XXXX .. denied by chime XX/XX/XXXX XXXX denied by chime XX/XX/XXXX XXXX denied by chime XX/XX/XXXX XXXX denied by chime XX/XX/XXXX XXXX denied by chime XX/XX/XXXX XXXX approved by chime... never gave me the credit XX/XX/XXXX XXXX approved by XXXX XXXX XXXX XXXX credit and told me I had to dispute the others with my bank. 

Why would chime approve XXXX month, but not the rest. And if approved, why the never gave me the credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: TX

Complaint narrative:
I am a victim of identity theft. On XX/XX/XXXX, an unknown individual used my name and address to open XXXX fraudulent Klarna Buy Now, Pay Later accounts and made purchases totaling approximately {$970.00} at a merchant listed as " XXXX '' ( Klarna Reference Numbers : XXXX and XXXX ). I did not open these accounts, authorize these purchases, or have any knowledge of them. 

On XX/XX/XXXX, Klarna mailed a collection letter to my home demanding {$85.00} for the first fraudulent account. When I contacted Klarna customer service, their representative confirmed that the account was registered under an XXXX email address that does not belong to me direct evidence that someone else opened the account. Despite this, Klarna continued collection activity. On XX/XX/XXXX, Klarna sent XXXX additional collection letters XXXX escalating the first account to {$130.00}, and XXXX revealing a second fraudulent account demanding {$120.00}. Total fraudulent debt : approximately {$980.00}. 

I have taken the following actions : ( XXXX ) Filed an FTC Identity Theft Report at XXXX ; ( XXXX ) Filed a police report with the XXXX XXXX XXXX ( Case # XXXX ) ; ( XXXX ) Sent Klarna a formal identity theft dispute letter via USPS certified mail demanding account closure, cessation of collection, and written confirmation of non-liability ; ( XXXX ) Filed disputes with XXXX XXXX, and XXXX ; ( XXXX ) Filed a complaint with the Texas Attorney General. 

This is part of a well-documented fraud pattern known as the " Klarna Method, '' where criminals use stolen identity data to exploit Klarna 's minimal identity verification and open fraudulent BNPL accounts XXXX Klarna acknowledged this fraud wave publicly on XX/XX/XXXX. XXXX XXXX XXXX XXXX fined Klarna approximately {$46.00} XXXX in XX/XX/XXXX for significant deficiencies in anti-money laundering controls, including inadequate customer due diligence the same type of deficiency that allowed these fraudulent accounts to be opened using my identity. 

Klarna 's own customer service confirmed the account email does not match mine, yet Klarna continued sending collection demands. Collecting on a debt when the creditor has evidence the account was opened by an unauthorized third party is unconscionable. 

I request : ( XXXX ) Immediate closure of both fraudulent accounts ; ( XXXX ) XXXX of all balances and fees ; ( XXXX ) Cessation of all collection activity ; ( XXXX ) Removal of any credit bureau reporting related to these accounts ; ( XXXX ) Written confirmation that I am not liable ; ( XXXX ) Assurance these debts will not be sold to third-party collectors.

Company response to consumer: Closed with explanation