vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Special Financing Company, LLC
State: VA

Complaint narrative:
Special Financing Company gave me a loan for IRS Debt consolidation. I paid them for 4 months then lost my job. I recently told them not to call me back, until at least XXXX because I need time to find another job before resuming payments, but they said they will continue to call not only me but my friend who I gave them as a reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need the purchase agreement and insurance Also, claim, and verification of the statute of limitations. " Provide the original written agreement with my original signature. '' not digital signature. The original contract was back in XX/XX/year> " Send the last billing statement from the original creditor. " Provide proof you're authorized to collect this debt. " Send the chain of assignment showing legal ownership. '' FCRA, it is liable to the consumer for actual damages and the consumer 's reasonable attorney fees and costs.liability I'm requesting 1099 Clam writing to request the blocking of inaccurate information on my credit report that resulted from identity theft, pursuant to the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). " Send the chain of assignment showing legal ownership. '' 15 U.S. Code 1681b ( a ) ( 2 ) is a provision under the Fair Credit Reporting Act '' Send the chain of assignment showing legal ownership. '' 15 U.S. Code 1681b ( a ) ( 2 ) is a provision under the Fair Credit Reporting Actwhom it relates :15 U.S. Code 1681 ( 4 ) ( You have a right to privacy. If you consider my late payments to be privat e information, they must be deleted from your credit ) 15 U.S. Code 1681 ( S ) -2 ( Any payments during COVID-19 are required to be deferred or forgiven )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: IL

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 non-monetary relief
Consumer complaint received 2026-05-20 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: AL

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX 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 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I submitted a formal dispute regarding inaccurate and materially misleading credit reporting connected to financial hardship caused during a government investigation in which I was ultimately found not guilty. The issue did not only affect vehicle loans or leases, but also impacted my overall financial profile, including credit cards, loans, and other accounts due to the seizure of financial assets and resulting financial constraints. I provided supporting court records, protective order documentation, and evidence of the circumstances involved. Despite this, the company issued a generic response without addressing the evidence submitted or explaining how the accounts were verified. They also failed to provide the requested method of verification, including records reviewed and parties contacted. I am requesting a proper reinvestigation, disclosure of verification methods used, and deletion of inaccurate or unverifiable negative reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts should not be reporting according to the FCRA my profile should be accurate at all times. Please provide proof of documentation you are using to do your validation process. If not thses accounts have to be deleted off my credit report

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 2026-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: MA

Complaint narrative:
* * Subject : * * Complaint Regarding Loan Imminent Short Sale Failure Due to Processing Delays by United Wholesale Mortgage Dear CFPB Complaint Team, I am writing to file a formal complaint against United Wholesale Mortgage ( UWM ) concerning my mortgage and their handling of a short sale on the property. I originally listed the property in XX/XX/XXXX as I had a significant downward change in income, and would not longer be able to support the $ XXXX monthly mortgage payment and ~ $ XXXX upkeep, utility and operating expenses on the $ XXXX property. I have been going through the short sale process since XXXX of XXXX. UWM has never, not once communicated with me on the status of my applications. This has resulted in me losing 4 offers on the house. Our most recent fully negotiated short sale contract is scheduled to close on Thursday, XX/XX/XXXX. This offer was made in XXXX of XXXX. UWMs Short Sale and XXXX XXXX XXXX have been fully informed of this tight timeline and had previously committed to delivering final clearance last week. That deadline was then moved by UWM to yesterday ( XX/XX/XXXX ). As of today, UWM has still not provided the required execution documents, and their escalation team has stopped responding to multiple urgent inquiries. Their delays and lack of communication has resulted in more than one of these time sensitive documents expiring. This delay has created an imminent risk of total transaction failure : - The buyers mortgage commitment expires on XX/XX/XXXX. Without UWMs clearance by that date, the buyers financing will be withdrawn and the sale will collapse. - If the sale fails, the property will proceed to foreclosure, causing significant financial harm to me, including severe damage to my credit and substantial economic losses. The file is otherwise complete. The only barrier to closing is UWMs failure to timely process and release the necessary short sale documents. * * Requested Resolution : * * I respectfully request that the CFPB require UWM to immediately assign a senior manager or executive with decision-making authority to review this file and provide the required clearance documents in time for the XX/XX/XXXX closing. I also ask that UWM be directed to communicate directly with me to coordinate the final paperwork. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc.

Complaint narrative:
Northlane has my card under a frud block due to phishing email XXXX. customer service saying card is active but won't remove block. I can not access my funds... I call plenty time to asking reason no reply.... Every time payment decline or withdrawal decline... I got message contact bank ... Decline payment on date XXXX XXXX, XXXX XXXX etc only last XXXX XX/XX/year> is successful ... After that decline .. Not even seen in my payment vault.... Customer service say they don't have proof.. Please help to unlock my debit card..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted a formal dispute regarding inaccurate and materially misleading credit reporting connected to financial hardship caused during a government investigation in which I was ultimately found not guilty. The issue did not only affect vehicle loans or leases, but also impacted my overall financial profile, including credit cards, loans, and other accounts due to the seizure of financial assets and resulting financial constraints. I provided supporting court records, protective order documentation, and evidence of the circumstances involved. Despite this, the company issued a generic response without addressing the evidence submitted or explaining how the accounts were verified. They also failed to provide the requested method of verification, including records reviewed and parties contacted. I am requesting a proper reinvestigation, disclosure of verification methods used, and deletion of inaccurate or unverifiable negative reporting under the Fair Credit Reporting Act.

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 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am filing a complaint regarding inconsistent balance reporting, lack of transparency regarding interest charges, and concerns involving the handling of my account by this debt collection law office. I was informed that I owed approximately {$620.00} including court costs. I was never personally served court paperwork and only became aware of the matter after finding documents outside near my property. Once I became aware of the account, I immediately contacted the office and entered into a payment arrangement. I have since made payments totaling approximately {$150.00} and retained receipts and screenshots documenting those payments and account balances. After making payments, my account balance had decreased to approximately $ XXXX {$470.00}. However, when I later logged back into the payment portal, the balance had unexpectedly increased to approximately {$580.00}. When I contacted the office regarding the increase, I was told it was due to interest, but no employee or supervisor has been able to provide an explanation, documentation, itemized statement, or calculation showing how the interest was determined or why the balance increased so substantially despite payments being made. I have requested : - A complete payment history - An itemized breakdown of fees, interest, and court costs - Documentation supporting the interest charges- Clarification regarding the balance discrepancies To date, I have not been provided with adequate documentation explaining these inconsistencies. I am requesting that this matter be investigated and that the company provide a full accounting of the debt and all charges being added to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
XXXX XXXX Solutions ( integrityfsolutions.com ) sent a text message from XXXX with their toll-free number ( XXXX ) and stated they have tried to contact me. When I called, I spoke to a woman who did not identify herself but stated that she was attempting to collect a debt for HSBC. I informed her that this XXXX account was covered in a bankruptcy ( XXXX ). She then stated that my bankruptcy was filed in XXXX and it is now XXXX and they will be taking me to court. This debt was included in that bankruptcy, which was discharged in XXXX and, thus, unable to be pursued as a debt for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I called they said I cant verify and I told them I cant verify because I never open account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I submitted for a loan with XXXX XXXX XXXX. Two additional inquiries followed immediately afterwards on the same day ( XX/XX/year> ) from XXXX XXXX XXXX ( Finance ) and Fifth Third ( Bank ) that were not authorized/approved by me. I only approved for XXXX XXXX. I would like these to be removed on my credit report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding a disputed credit card transaction involving a textbook order from XXXX. I disputed the charge because the physical textbook package was marked delivered by USPS but was never actually received by me. I checked immediately after the delivery notification and found no package present. I also did not observe any delivery vehicle at the time of the delivery scan. Additionally, the mailbox at my residence is physically too small to accommodate a textbook-sized package, which raised immediate concern that the package may have been misdelivered or incorrectly scanned as delivered. I contacted both the merchant and USPS regarding the issue shortly after the incident. However, no meaningful investigation or resolution was provided, and I was unable to obtain confirmation regarding the actual delivery location. Despite my explanation and supporting circumstances, XXXX concluded that the transaction was valid based primarily on tracking information indicating delivery. I respectfully believe that tracking status alone does not confirm actual receipt of merchandise by the cardholder. I am requesting review of the dispute handling process and reconsideration of whether a reasonable investigation into possible non-receipt or misdelivery was conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, Please help me remove fraudulent accounts from my credit report. Thank You

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have disputed a double charge from one of my vendors that did some work for me. The original legitimate charge was on XX/XX/2026 for {$570.00} from XXXX XXXX for plumbing and electrical services the owner XXXX XXXX preformed for my business. Two days later, on XX/XX/2026, XXXX XXXX charged that same amount again ( {$570.00} ), but this time under his own name. We contacted XXXX about this double charge, screenshots attached, and he said he would contact his credit card company and have the charge refunded. That didn't happen. We contact him again on XX/XX/2026 ( screenshot attached ) and he said he would get right on it, but we never got that refund. I contacted Capitol One about this on XX/XX/2026 to report a fraudulent transaction. I submitted the documents they requested. On XX/XX/2026 I received an email from Capitol One requesting more information regarding the dispute, of course the email, and the link to the website, didn't actually tell me what I needed to send to them so I had to call again and sit through 20 minutes of phone XXXX XXXX and having to explain the situation again to at least 2 different agents. Finally someone tells me what I need to send to capitol one. I upload it. Then on XX/XX/XXXX I get the same email form capitol one saying they need more info and until I send it are denying the claim. And shockingly they don't tell me what I need so I have to call again. This time Capitol One sends me a docusign with a non-fillable pdf that I need to print, fill out and upload through the portal. I do all of that, then on XX/XX/XXXX, I get yet another email from capitol one saying they need more info and are denying my claim until I send it. I call again and get the info I need to send, which is literally the same info they already have. But I do it again and upload it. Then yesterday, XX/XX/2026 I get another email saying they need more info and are denying my claim. At this point it is abundantly clear that Capitol One is trying their best to get me to give up on this so they don't have to provide the fraud protection they advertise for this card. But unfortunately for them I am very stubborn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
I am filing this formal complaint against Caine & Weiner regarding their failure to provide adequate debt validation as required under the FDCPA. I sent a certified letter requesting the original signed contract establishing my obligation to pay this alleged debt. To date, they have failed to provide the requested documentation. I only received an email and a written letter which is a final bill and not a valid or legal validation. Despite this lack of documentation, this debt continues to appear on my credit report as a closed account with a 100 % balance owned causing damage to my credit score. I am now documenting this as my INTENT TO SUE for violations of the FDCPA, as well as any applicable state consumer protection law.

Company response to consumer: Closed with non-monetary relief