vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 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: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Coinbase funds that were depsited were supposedly deposited from XXXX to XXXX and I never received them or asked for their withdrawl. The just seemed to vanish

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint because there are collection accounts on my credit report that do not belong to me. I check my credit regularly, and these accounts showed up without my knowledge or permission. I never authorized this, and I am extremely frustrated that this inaccurate information is being reported under my name.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
On XX/XX/year>, a door-to-door XXXX sales representative came to my home and stated that the service was free for XXXX months, cancellable at any time, and involved no credit check or impact to my credit. I specifically asked about credit inquiries and financing and was told there would be none. Based on these statements, I agreed to try the service. I did not authorize any loan or financing. I was later required to provide a credit card to initiate the free service, but no loan or credit terms were disclosed. After installation, I discovered that a XXXX installment loan had been opened in my name without my informed consent and that a credit inquiry had occurred, causing a drop in my credit score. I was never told about the loan, its terms, or that my credit would be checked. I contacted XXXX multiple times by phone and chat to cancel within the first month and to dispute the unauthorized loan. I was transferred repeatedly, placed on long holds, and given inconsistent information. I was later told I was under a long-term contract and would need to pay approximately {$5000.00} to cancel, which was never disclosed at the time of sale. The contract was only provided after I complained and was never explained prior to the loan being opened. Monthly charges continue from both XXXX and XXXX. I dispute this loan and contract as unauthorized and the result of deceptive sales practices. I am requesting cancellation of the loan, cessation of charges, and removal of all negative credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Strategic Alliances, Inc.
State: IL

Complaint narrative:
Repeated phone calls and when called back they were rude .Told them this debt was over ten years old.I disputed the charge and haven't heard anything for years.This is only thing I have for today.Deleted other calls.Icalled company that the reported debt was from and they have no record of it.Im a XXXX XXXX XXXX XXXX and don't need to be bothered Date today is XX/XX/year> Stop bothering me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I took a payment of {$1100.00} from XXXX XXXX XXXX XXXX XXXX for a service that I did for XXXX XXXX XXXX XXXXXXXX using Square XXXX XXXX the company card used for the payment had no chip so I had to manually enter the card numbers in order to take the payment. Two day later on XX/XX/XXXX I received an email saying my account was being reviewed and I would not be able to withdraw funds from my account. A few days later I received another email stating my account was being deactivated with no explanation also saying that I could not get my money out of the account for 180 days. This has done irreparable damage to me and my family as I had already paid out money for which I was being reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of birth XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX I RECEIVED A COPY OF MY CREIDT REPORT I AM WRITTING TO DISPUTE THE FOLLOWING THAT APPEARS ON MY XXXX. PLEASE VERIFY OR REMOVE IMMEDIATELY ACCOUNTS. LVNV FUNDING XXXX XXXXXXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof From the original creditor that this debt collector owns this debt and has the legal authority to collect or delete this account. LVNV FUNDING XXXX XXXXXXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof From the original creditor that this debt collector owns this debt and has the legal authority to collect or delete this account By the provisions of the fair credit reporting act.i demand that these items be investigated and removed from my report.any information that the creditor can not verify. I understand 15 u.s.c. sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this Thank you for Your time and help in this matter Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
A man called claiming to be from XXXX XXXX. My wife has this credit card and been making consistent payments with this company. The guy was demanding payment over the phone because she ignored letters we never received and this was the first time talking about this over the phone. I asked for validation, and he refused, stating they sent letters out. He claimed she never made payments for a year, which is false. He kept yelling at me and refused to send a validation letter again. He never stated he was a debt collector and didn't let me know he was recording the call. I had to hang up, I called back and someone answered didn't bother announcing the company or if they were recording me. The man wasn't helpful. He did say he was from Midland Credit Management. I made a 3rd call to get an address where they stated I was being recorded. I asked for the address but they wouldn't give me the info unless I told them an account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
I am disputing a rental-related collection account being reported by Transworld Systems Inc in the amount of {$490.00}. On multiple occasions, I requested debt validation pursuant to FDCPA 809 ( b ). I sent two debt validation requests via certified mail to the address furnished by Transworld Systems Inc on my XXXX credit report. Both certified letters were returned undelivered due to an incorrect address provided by the collector. I also sent a debt validation request via first-class mail. These attempts demonstrate good-faith efforts to validate the alleged debt. On XX/XX/year>, I successfully delivered a debt validation request via certified mail to Transworld Systems Inc at a corrected address. In response, Transworld Systems Inc provided only a final account ledger from the original creditor, XXXX XXXX XXXX. In its written response dated XX/XX/year>, Transworld admitted that the materials provided were obtained solely from the creditor. Transworld did not provide any documentation establishing its legal authority to collect or report this account, such as an assignment, transfer agreement, or authorization. Despite failing to provide proper validation, Transworld Systems Inc continued furnishing this account to credit reporting agencies and stated only that the dispute would be noted, rather than ceasing collection activity. I also disputed this account with XXXX. XXXX verified the account without ensuring that Transworld Systems Inc had the legal authority to collect or report the debt. I subsequently requested the Method of Verification pursuant to FCRA 611 ( a ) ( 7 ), and XXXX failed to provide a proper explanation of how the account was verified or what documentation was relied upon. As a result, inaccurate and unverified information continues to be reported on my credit file, causing ongoing financial harm. Supporting documentation, including certified mail records and the collectors written response, is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX a {$5000.00} check was deposited at a drive-thru ATM. This check was endorsed by myself and my son. As it was a payment for his college tuition. The check was cleared by Chase for {$5000.00}. I go to make a payment and learn that the check was returned because of double endorsement at the drive-thru ATM. I called Chase multiple times on multiple days and was a short that the payment issue wasn't on my end it was a Chase error. I was reassured by customer service rep from Chase that the check would go through in 2 business days. After two business days this was not the case. I was told that the check was mail to me. When I asked for detailed inquiry printed and mail to me regarding this transaction I was told that Chase can not do that. Instead I was put on hold for over 45 minutes and talk to various reps from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding my XXXX XXXX XXXX loan with MoneyLion. I successfully paid off my loan in full on [ insert payoff date ]. According to the terms of the program, once the loan is paid off, I am supposed to receive access to the funds held in my XXXX XXXX account. However, immediately after paying off the loan, I was locked out of my MoneyLion account and have been unable to regain access. I can not log into the app, and I have been unable to reach customer support despite multiple attempts. As a result, I have not received my XXXX XXXX funds. This situation is urgent. I am currently out of the country and need access to my funds to return home. MoneyLion is holding money that belongs to me, and I have no way to access it or receive updates about its release. I am requesting the immediate release of my XXXX XXXX funds and restoration of account access, or a direct transfer of my funds to my linked bank account. I also request a formal explanation for why my account was locked immediately after loan payoff. This matter is causing financial hardship and significant stress while I am abroad. I expect a prompt 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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive been a Wells Fargo customer for 24 yearsboth personal and businesswith over {>= $1,000,000} in combined deposits and expenses over the last several years. On Monday, XX/XX/year>, I physically deposited a {$90000.00} cashiers check at a branch. Wells Fargo accepted the deposit with what I was told was a standard one-day hold. Then, around XXXXXXXX XXXX the next morning, I received an email stating the hold would be extended several more days because the deposit allegedly exceeded the {$6700.00} deposit limit. That explanation is unacceptable and inconsistent with my account history. I regularly deposit amounts larger than this and have never been subject to any deposit limit. If Wells Fargo has changed policies or applied new restrictions to my account, I was not informedyet the impact is immediate and severe. Because Wells Fargo unilaterally extended this hold after accepting the deposit, multiple outgoing checks have already been returned, and more are about to be returned, putting my business relationships and reputation at risk. I have been bounced between the branch and customer service with no clear answers, no accountability, and no resolutionjust delays and vague explanations.

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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I made transactions the whole week money been going in and out my bank account and out of nowhere last night Im getting overdraft fees from something that I payed already with money in my bank account Im paying twice for everything it makes no sense its been like that for over a year now I could literally sue them at this point with how much they gotten away with

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: TX

Complaint narrative:
Validation of Debt Request - CAINE WEINER - XXXX * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: OH

Complaint narrative:
I am writing in response to your communication dated [ insert date ] regarding the alleged debt referenced above. This letter is not an acknowledgment of any debt, nor a promise to pay. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this debt. Please provide the following information : 1. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges. 2. The name and address of the original creditor. 3. Copies of any documents bearing my signature that show I agreed to assume this debt. 4. Proof that you are legally authorized to collect this debt, including your license or registration where required. 5. Documentation showing that this debt is within the applicable statute of limitations. Until you provide the requested validation, please cease all collection activity, including reporting this account to any credit reporting agencies. If this account has already been reported, please note that it is disputed. All future communications regarding this matter should be made in writing only. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been charged more than XXXX times with transactions I didnt authorized

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 2026-02-24 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: FL

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