vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems , LLC has repeatedly sent debt collection text messages to my mothers phone regarding an alleged XXXX Credit Card balance. The messages include debt-related details and were sent on multiple dates, including XX/XX/XXXX and XX/XX/XXXX. I never provided my mothers phone number for debt collection purposes, we do not share accounts or phone plans, and we have a strained relationship. Their repeated XXXX-party communication has caused distress and concern. I am requesting that the company cease contacting XXXX parties regarding this matter and investigate how they obtained her information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 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: NC

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 2026-05-19 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: FL

Complaint narrative:
On XX/XX/XXXX, I noticed XXXX unauthorized charges on my Bank of America Credit Card which at the time ended in XXXX. I immediately tried to contact XXXX and XXXX to dispute the charges. There were between XXXX and XXXX phone numbers and trying to get onto XXXX online to dispute the charges and I could not get a hold of XXXX human being. I then called Bank of America to start a fraud claim. There are XXXX charges. Starting XX/XX/XXXX and it ended XX/XX/XXXX for a total of {$2700.00}. Every month since XXXX I have gone to Bank of America to check on my claim. They refuse to reimburse me for the fraud. They did close the XXXX account and provided me with a new card ending in XXXX, which I immediately locked. I have even contacted an attorney to help my case which has not helped. It is now XX/XX/XXXX, with zero resolution. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 I always pay my credit card on time, and I have paid for everything on this card that was a valid authorized purchase. I have since opened up another credit card with another bank company. I need this resolved. Sincerely, 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 monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Unisa, Inc
State: NY

Complaint narrative:
FORMAL COMPLAINT : DECEPTIVE MARKETING & UNLICENSED DEBT COLLECTION. I am filing this complaint against UNISAXXXX regarding a {$7500.00} ISA contract obtained through fraudulent inducement. CORE VIOLATIONS : XXXX. Bait-and-Switch : I was offered a {$1800.00} price via email ( Exhibit XX/XX/XXXX ), but the link coerced me into a {$7500.00} contract ( ExhibitXX/XX/XXXX), a 300 % markup. XXXX. Deceptive Labeling & TILA Violations : The agreement completely lacks a mandatory TILA " Fed Box '' and falsely claims it is " NOT A LOAN. '' This intentional obscuring of the true cost of credit is a per XXXX violation and directly mirrors the deceptive practices penalized in the XXXX CFPB v. XXXX case ( XXXX ) and XXXX enforcement precedents. XXXX. Lack of Standing & FTC Holder Rule : The original creditor ( XXXX ) is a revoked corporation ( Exhibit XX/XX/XXXX ), and the CEO has disavowed the debt ( Exhibit XX/XX/XXXX ). Under the FTC Holder Rule, a debt collector is subject to the same claims and defenses as the original seller. XXXX. Failure of Consideration : XXXX has abandoned its digital infrastructure ( Exhibit XX/XX/XXXX) ; my credentials are now untraceable and unverifiable by employers. XXXX. Statute of Limitations : This XXXX debt is time-barred under the NY Consumer Credit Fairness Act ( XXXX limit ). I assert the contract is void XXXX XXXX due to fraud. PLEASE REFER TO THE ATTACHED PDF ( " XX/XX/XXXX' ) AND THE XXXX SUPPORTING EXHIBITS FOR FULL LEGAL ARGUMENTS AND DOCUMENTED PROOF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: CT

Complaint narrative:
I bought XXXX about XXXXXX/XX/XXXXworth, tried to send it out of my account wouldn't, then I couldn't even log into my account, there no phone number, messenger in text, said I used XXXX emails, but I have all my info said they fix it but he can't seem to, said escalated it but can give me no time frame when mite help or anything, think there company scams kit people, so I'm locked out my account just put XXXXXX/XX/XXXX on and can't do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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:
We personally paid property taxes on XX/XX/XXXX in the mount of {$6400.00}. Rocket Mortgage separately paid the same property taxes in the same amount, on XX/XX/XXXX, which was removed from our escrow account. The county has returned the extra payment amount of {$6400.00} to Rocket Mortgage. It is noted in the county tax record that the accepted property taxes were paid for through a personal and private account, and not Rocket Mortgage. We have spoken to Rocket Mortgage several times ( approximately once every two weeks ) since XXXX of XXXX and assured that they are aware that there is a problem, they opened an investigation and verified that the money was indeed returned to Rocket Mortgage, and that the money would be returned to our escrow account within XXXX weeks. It is now XX/XX/XXXX and we have not yet received the payment back to our escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am responding to the account your company is reporting and/or attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting full validation of this alleged debt. Please provide the following documents and information : A complete accounting of the alleged debt, including all fees, interest, and charges. A copy of the original signed contract or agreement bearing my signature. Documentation proving Midland Credit Management has the legal right to collect this debt. A complete chain of title showing transfer of ownership from the original creditor to Midland Credit Management. A copy of the bill of sale specifically identifying my alleged account. Proof that the statute of limitations has not expired. The name and address of the original creditor. Documentation showing Midland is licensed to collect debts in my state, if required. Additionally, I specifically request : A signed bill of sale with authorized signatures from both parties involved in the transfer. Documentation showing my account was included in the sale or assignment. Verification that the amount being reported is accurate and legally enforceable. Until you provide proper validation, you must cease collection activities and reporting this account to any credit reporting agencies pursuant to the FDCPA and Fair Credit Reporting Act ( FCRA ). If you can not provide the requested documentation, I demand that this account be deleted from all credit bureaus immediately. This letter is not a refusal to pay, but a request for lawful validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Im filling a dispute attachment with ftc report and proof that this fraud account was removed back in XX/XX/XXXX reinstated XX/XX/XXXX Experian please remove immediately

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 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint regarding the handling of my dispute with Affirm related to a returned purchase financed through their platform. I purchased shoes through a merchant using Affirm financing and later returned the item after concerns regarding authenticity. The merchant approved the return, received the item back, and later confirmed by email that a refund had been processed. However, no refund was ever reflected through Affirm or XXXX. The order continued showing return in progress, and the merchant did not provide proof of the refund transaction. I disputed the charge with Affirm and submitted supporting documentation including return tracking, screenshots, and merchant emails. I also experienced technical issues with Affirms dispute upload portal and had to email supporting documentation separately because the system would not allow uploads through the dispute link. I reopened the dispute after believing important evidence had not been properly reviewed, but Affirm still determined that I remain responsible for the payment plan despite the unresolved refund issue. I am requesting a further review of the submitted documentation and assistance resolving this matter fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NH

Complaint narrative:
To the Legal and Executive Escalations Department, I am writing to formally request a review of a fraudulent transaction conducted through Cash App involving an impersonation and social-engineering scam. I was contacted by an individual posing as a legitimate customer support representative regarding alleged suspicious activity involving my XXXX account. During the interaction, I was instructed to share my XXXX screen and was guided through a Cash App transaction under the false representation that the transfer was necessary to secure my account and resolve fraudulent activity. At the time of the transaction, I reasonably believed I was communicating with a legitimate support representative acting in a protective capacity. He stated my account has been compromised and I need take action immediately. I later discovered that the individual was operating under a false identity using fraudulent contact information. I reported the incident immediately after realizing I had been deceived. The transaction remained pending for several days, and I contacted both Cash App and my financial institution ( XXXX Bank ) during that period in an attempt to stop or reverse the transfer. A police report was filed regarding the incident with the XXXXXX/XX/XXXXpolice XXXX. The responding officer subsequently confirmed through investigation that the name, phone number, and associated address used by the individual were fraudulent and not traceable to a legitimate person or residence. This incident was not a normal voluntary payment or consumer dispute. It involved impersonation, deception, and real-time manipulation through screen sharing by an individual falsely presenting himself as customer support personnel. I respectfully request that Block, Inc. and Cash App conduct a further review of this matter, including any available fraud-monitoring records associated with the recipient account, transaction activity, device history, and any related reports connected to the account involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Manufactured home loan
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: Rocket Mortgage, LLC
State: LA

Complaint narrative:
To Whom It May Concern, I am requesting a review of the 30-day late payments reporting on my FHA mortgage account. During the time these late payments occurred, our family was experiencing temporary financial hardship related to my husbands disability. Despite these circumstances, we worked diligently to bring the account current and maintain our mortgage obligations. The account is now current, autopay has been established, and there has not been a continued pattern of delinquency. I respectfully ask that your team review the reporting for possible accommodation or adjustment considering the hardship circumstances and the otherwise positive payment history on the account. We value our relationship with XXXX XXXX and are committed to maintaining timely payments moving forward. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OK

Complaint narrative:
I got robbed 3 months ago and lost all my bank cards, IDs and XXXX id. I couldn't access my email or account. I had to send off for a new birth certificate from XXXX, then apply for new XXXX State identification. After receiving the physical copy of my new ID. I went to the process of verifying my identification. Everything went through but they're not accepting it. My benefits check from the VA goes in there every month there's almost XXXX there's almost XXXX tied up in that account and they're not helping me get into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My XXXX credit card statement showed I owed {$13000.00} on a balance transfer with a XXXX interest rate expiring on XX/XX/scrub> 2026. I also had a {$8300.00} fixed loan at XXXX XXXX for life of loan. I wanted to pay off the balance transfer, to avoid paying the new rate of 23.24 %. I did call credit card bank to verify that if I sent the money to payoff the balance transfer it would be applied to balance transfer, which would have a higher balance as of XX/XX/XXXX. The rep said the cash above the minimum payments would be applied to balances with highest interest. I sent in the cash to pay the balance transfer on XX/XX/scrub>, 2026 and waited to see how bank applied the payment. About a week after the fixed rate loan showed as paid off, so I called the bank and the rep assured me this would be fixed in a few days and worse case scenario would be fixed by the time the XXXX statement went out. The XXXX statement is out showing no fixed rate loan, and {$8300.00} is charged 23.24 % interest. I called the bank back and after a few transfers, got someone from fraud department. ( I think he said fraud ). Told me how payments are applied, the computer takes XXXX to XXXX days to show the higher rate etc. Also said the last rep should not have promised the payment of the balance transfer. And for that he was appealing something or other and wait. I did get a letter from the bank again stating how payments are applied. So the lesson here is ... from the day the 0 % interest offer expires to when the computer recalculates the rates to go out, you should not payoff the balance transfer if you have another loan. The other loan is considered a lower rate, even though the bank is getting XXXX XXXX from day XXXX when XXXX XXXX XXXXate expires.

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 2026-05-19 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: MN

Complaint narrative:
I got a letter in the mail stating I owe money to XXXX XXXX. I was unaware of where or what this was no other information was given in the letter when I got the call from Midland they told me to sign into my account to collect this information I told them I was unaware of what this account was for and asked to have the information mailed to me they have refused everytime ive asked for the information. Each time they call they threaten legal action and talk to me like I am XXXX. Ive asked everytime for the information to be mailed so I can try and figure this out and if its my account. Everytime im met with the same response sign into your account on thier site.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I was trying to buy a house. I notice I had damages on my credit report according to the 15 U.S.C 1681 law there should not be any damages on my report. It is an defamation to my character. Also the account has been paid off and its still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XX/XX/2026 Consumer Financial Protection Bureau XXXX. XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX : Complaint and Request for Debt Validation To Whom It May Concern, I am filing this complaint against Caine & Weiner regarding an alleged debt they claim I owe. I requested validation of this debt, but the company has failed to provide sufficient proof that the debt is accurate, valid, or legally collectible. The collection agency continues attempting to collect and/or report this account to the credit bureaus without properly validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the following : Complete validation of the alleged debt. Proof that I legally owe the debt Documentation showing the original creditor and amount owed. Copies of any signed agreements or contracts. Verification that the collection agency has authority to collect this debt. Removal of inaccurate or unverifiable information from my credit reports. This alleged account has caused harm to my credit profile and financial standing. Until proper validation is provided, I request that all collection activity and credit reporting cease immediately. I ask the CFPB to investigate this matter and ensure compliance with federal consumer protection laws. Thank you for your time and assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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:
My XXXX account number ending in XXXX shows an outstanding balance from 2012. Im trying to inform them that this is an identity theft issue and that they should provide proof that I made this transaction. This is not reflected on my credit report. Moreover, the address they had on file is the address where I currently reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
My bank account and XXXX was hacked someone XXXX XXXX there selves {$390.00} they were trying to transfer {$2000.00} dollars and etc but successfully took {$390.00} out of my account upon checking the transaction details and calling customer service it says someone is in XXXX doing this and I stay in XXXX.I do not have a card ending in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing to formally dispute XXXX negative accounts appearing on my credit file. I am a victim of identity theft. I did not open these accounts, I did not authorize them, and I did not receive any goods or services from them. This is fraud. The fraudulent activity involves a store card opened in XX/XX/XXXX that was eventually charged off for {$450.00}, an associated collection agency account that is currently seeking that same {$450.00} balance, and an older credit card account from XX/XX/XXXX that contains severe late payment history. I did not incur this debt or cause these late payments. I have attached my official FTC Identity Theft Report, a copy of my ID, and proof of my address. Under Section XXXXB of the Fair Credit Reporting Act, please block and permanently remove these fraudulent items from my credit report immediately.

Company response to consumer: Closed with explanation