vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
My Zelle account was recently flagged for fraud on my XXXX & XXXX accounts and I would like to clarify the situation. I am a private event decorator, and a client submitted a {$150.00} payment to secure my services. As clearly stated in my booking policy, all deposits are non-refundable. After making the payment, the client chose to cancel her services and requested a refund. When I upheld my non-refundable policy, she reported the transaction as fraudulent. This claim is inaccurate. The payment was willingly sent to me via Zelle as a booking deposit, not an unauthorized or fraudulent transaction. As a result of this false report, my Zelle account has been restricted. I have documentation and communication records that confirm the payment was legitimate and agreed upon. I respectfully request a review of this matter, as the claim of fraud is unfounded and has negatively impacted my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I fell be hind on pagments and agreed to a pyament plan for XX/XX/XXXX, i agreed to an auto withdrawl for the payment plan and provided my debit card details for them to save on file. Thwy charged me intereste and fees, dinged my credit and sisnt pull the funds. Then i called bakc to adress teh issue, spoke with an account executive who re did the process, i agreed to pay XXXX to get bakc in good standing, again agreed to the auto withdrawl, and it didnt happen ive recieved another late fee and my credit will reflect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A person scammed me saying they are from Wells Fargo and had me close out my CD account worth of {$20000.00}. They made me physically cash it out and deposit it to Wells Fargo national bank association which I know doesnt exist now. The account they had me deposit all that cash to is account number : XXXX and routing number : 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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: DC

Complaint narrative:
On XX/XX/year> : I went on credit Karma thinking I was going to connect my bank/link my bank account to raise my credit score using just money. I HAD NO IDEA THIS WAS CREDIT LINE. This opened a new credit line on my account and reported on my credit report. On AXXXX XXXX XXXX : I am checking my credit reports because I want to get a mortgage. When I saw the report, I closed the account when I saw the items on my credit report. This was too late because it already caused damage to my credit score and my credit report. I disputed it to XXXX. Now, they are saying my credit score is TOO HIGH to be eligible?!? What a joke!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing this complaint regarding a debt that does not belong to me and is being reported/collected in error. Midland Credit Management is attempting to collect on an account originally from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, account ending in XXXX. This account is not mine. The name and address associated with this account are different from mine, and the address listed is in the state of Florida. I have never lived in Florida and have no connection to this account. I contacted Midland Credit Management and was advised to file a complaint with the FTC. I believe this is a case of mistaken identity or potential identity theft. I am requesting that this account be investigated and removed from any association with my name, and that all collection efforts cease immediately. I am also concerned about the accuracy of my credit report and request that any reporting related to this account be corrected. Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am filing this complaint regarding improper billing and collection activity on an XXXX XXXX account that was repeatedly confirmed in writing as closed with a {$0.00} balance. On XX/XX/XXXX ( Case # XXXX ), I received a written email from XXXX XXXX ( XXXX XXXX ) confirming : Your mobile account is fully disconnected. The balance is now XXXX. This was reaffirmed multiple times by different representatives : XX/XX/XXXX ( Case # XXXX ) XXXX XXXX XXXX confirmed the balance issue was resolved XX/XX/XXXX ( Case # XXXX ) XXXX XXXX confirmed the balance was {$0.00} and no further statements would be issued XX/XX/XXXX ( Case # XXXX ) XXXX XXXX confirmed the case had been resolved Despite these repeated written confirmations, the issue continued : I continued to receive overdue notices for months from XXXX XXXX and have complained to XXXX XXXX and his team, but this was not resolved. In the end XXXX XXXX told me that they would escalate this issue to Debt Collection. On XX/XX/XXXX, I explicitly warned XXXX XXXX in writing that these notices were threatening escalation to collections and requested confirmation that this would not happen On XX/XX/XXXX, I received a notice from the third-party debt collector ( Sunrise ) regarding this account, despite the prior confirmations that my balance was {$0.00} This escalation to collections occurred after multiple written confirmations and after I had already warned the company in advance, indicating a serious failure in internal account handling and communication. In addition, I specifically requested that all communication be conducted in writing ( via email ) for documentation purposes, given the inconsistencies in prior communications. However, this request was disregarded : XXXX XXXX continued to contact me by phone instead of responding in writing He did not respond to my email inquiries regarding the collection issue He indicated that he would provide further information around XX/XX/XXXX, but no follow-up or explanation was provided More recently, I was informed that the internal balance is now XXXX. However, this does not resolve the core issue : the account was sent to collections despite repeated written confirmations of a {$0.00} balance and prior notice of the risk, and I have not received confirmation that the collection has been formally withdrawn or that my credit has not been affected. I have retained all written communications confirming that my balance was XXXX, as well as my XX/XX/XXXX warning and subsequent follow-up attempts. Despite this, the company failed to prevent escalation to collections and has not provided a complete or documented resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
XXXX XX/XX/year> received a call from a number masked as my sheriffs department claiming to be a federal agent and stated that I needed to load funds onto an account via money order before going to the sheriffs office, they threatened arrest and used fear mongering, I have never encountered a scam and used a car accident I was in in XXXX as reference for why I owed money. They also provided badge numbers and such. After I transferred the money the call dropped and when I called the XXXX department back they informed me that that was a scam that has been circulating and I needed to call my bank immediately I called USAA immediately and asked them to stop the charge, a dispute was opened and I was given credit for the {$1500.00} I lost USAA never contacted me for any documents or extra information and today XXXX XX/XX/year> they reversed the credit and sent my account into - {$1700.00}. I dont understand how the charge wasnt stopped, I have never had any issues with disputes in the past this is the first time its ever happened to me. I uploaded a receipt I have from that day and my sheriffs department number but they are telling me I will need to wait another 5 business days and I have a mortgage and car payment. I have been with USAA for over 10 years and the first time I needed help they completely XXXX me over and ruled in favor of the scammers.

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 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I reviewed my credit report and found that the account listed below is reporting inaccurate and incomplete information. I sent a formal dispute requesting verification of this account, including verifiable proof such as the original signed consumer contract. The account is damaging my creditworthiness and my ability to obtain credit. I requested that the company verify the account through proper documentation or update/remove the inaccurate information in accordance with the Fair Credit Reporting Act. Additionally, my credit file contains inquiries that were not authorized or are not related to active credit accounts. I also requested promotional suppression to prevent unnecessary access to my credit file. I am filing this complaint because the inaccurate reporting has not been properly resolved and I want the company to provide proper verification or correct the information being reported.

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 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I reviewed my credit report and found that the account listed below is reporting inaccurate and incomplete information. I sent a formal dispute requesting verification of this account, including verifiable proof such as the original signed consumer contract. The account is damaging my creditworthiness and my ability to obtain credit. I requested that the company verify the account through proper documentation or update/remove the inaccurate information in accordance with the Fair Credit Reporting Act. Additionally, my credit file contains inquiries that were not authorized or are not related to active credit accounts. I also requested promotional suppression to prevent unnecessary access to my credit file. I am filing this complaint because the inaccurate reporting has not been properly resolved and I want the company to provide proper verification or correct the information being reported.

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 non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am filing a complaint regarding a {$6500.00} credit card charge from a mechanic shop identified as XXXX XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, NJ XXXX, phone number ( XXXX ) XXXX. On XX/XX/year>, I authorized a payment over the phone expecting a legitimate repair service for a commercial semi-truck ( tractor-trailer ). However, the merchant never provided any invoice, receipt, or detailed explanation of the work performed. I made multiple attempts to contact the business and request documentation, but they failed to provide any information and eventually stopped responding. The business now appears to be unreachable. At the time, I contacted my bank seeking assistance in obtaining documentation from the merchant, but I did not understand that I needed to file a formal dispute within a specific timeframe. Because the merchant never provided any documentation, I was unable to properly dispute the charge. My bank denied my request based on time limitations, without addressing the fact that the merchant failed to provide any proof of service or documentation. I am requesting a formal review of this case due to misrepresentation and lack of verifiable proof of service. Additionally, the transaction was processed manually, which raises further concerns about the legitimacy of the charge.

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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
XX/XX/year> - I reached out to an agent through their customer service app because you can not call the company directly and get a person. I asked for my legal name to be changed and supplied them with my license. They advised they could not even with the documentation because I have " verified '' my account. Their help section was confusing when trying to " verify '' my account. XXXX, the representative took more than 10 minutes to even reply to my request and stated because I have " verified '' my account, they can not change my last name to my new legal last name which is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
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 2026-04-21 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: MN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, multiple unauthorized withdrawals totaling {$15000.00} were made from my Cash App account. I did not authorize these transactions or benefit from them in any way. My phone was stolen prior to these transactions, and an unknown individual gained access to my Cash App account. This individual linked a debit card to my account and withdrew funds without my knowledge or consent. This was an account takeover resulting from a stolen device. I first reported these unauthorized transactions on XX/XX/year>. My claim was later denied with the explanation that the transactions were considered authorized. I then filed a second dispute on XX/XX/year> ( Case # XXXX ), which has not received any response or resolution. On XX/XX/year>, I obtained a police report confirming that my phone was stolen. I submitted this new evidence to Cash App ; however, they stated that there was no new information and refused to re-investigate my claim. Cash App has only provided a basic summary of the transactions and has not provided any detailed evidence to support their conclusion, such as device information, IP address logs, or authentication data. I am seeking a full refund of {$15000.00} and a proper investigation that takes into account the police report and the fact that these transactions were the result of an account takeover.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My loan was originally serviced by XXXX XXXX Approximately one year ago, I requested the removal of my Private Mortgage Insurance ( PMI ). In processing this request, the servicer erroneously removed all insurance from my escrow account, including my required homeowners insurance with XXXX ( XXXX ). I was not notified of this error until my insurance provider contacted me regarding a pending cancellation for non-payment. Despite multiple attempts to resolve this with XXXX XXXX customer service, I was forced to pay the premium out of pocket to prevent a lapse in coverage. Subsequently, my loan was transferred to Rocket Mortgage. I contacted Rocket Mortgage to ensure the escrow records were corrected and that future insurance premiums would be paid. I was assured the account was set up correctly. However, last week I was again notified by XXXX ( XXXX ) that my premium is past due. Upon contacting Rocket Mortgage, they confirmed that my property insurance is still not listed on my escrow account. Despite my immediate request to add it, they informed me it would take XXXX days to process. This delay once again forces me to pay out of pocket for a service I am already funding through my monthly escrow payments. Both servicers have failed their fiduciary duty to manage my escrow account accurately, resulting in repeated financial strain and the risk of policy cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: MD

Complaint narrative:
I reviewed my credit report and found that the account listed below is reporting inaccurate and incomplete information. I sent a formal dispute requesting verification of this account, including verifiable proof such as the original signed consumer contract. The account is damaging my creditworthiness and my ability to obtain credit. I requested that the company verify the account through proper documentation or update/remove the inaccurate information in accordance with the Fair Credit Reporting Act. Additionally, my credit file contains inquiries that were not authorized or are not related to active credit accounts. I also requested promotional suppression to prevent unnecessary access to my credit file. I am filing this complaint because the inaccurate reporting has not been properly resolved and I want the company to provide proper verification or correct the information being reported.

Company response to consumer: Closed with non-monetary relief