vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 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: CA

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 2026-05-13 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: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX Credit Card service failed to close a dispute I opened to resolve a purchase issue on XXXX which has caused me to be unable to manage my account accordingly. I cant make a payment which has been advised by email and text dozens of times in the last 7 days. As well as use my available line of credit or close my account due to the incompetence of their customer service and dispute department.

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding a balance transfer issue involving Bank of America and XXXX. In XX/XX/year>, I intended to complete only one balance transfer from my Bank of America account to my XXXX account for approximately {$2300.00}. However, multiple balance transfer transactions appear to have been processed accidentally. As a result : - One transfer was canceled - One transfer amount was returned back to Bank of America - However, an additional balance of approximately {$2300.00} still remains on my XXXX account I did not intend to complete multiple balance transfers or create duplicate debt obligations. Since XX/XX/year>, I have contacted customer service many times by phone and chat attempting to resolve this issue. I was repeatedly told to wait while the matter was being reviewed or processed. I was also instructed multiple times to contact the companies again later, resulting in ongoing back-and-forth communication without a resolution. In XX/XX/year>, I also visited a Bank of America branch in person to try to resolve the issue. A representative had me speak with customer service over the phone while at the branch, and I was provided with a confirmation number and told the issue would be addressed. However, the balance issue still has not been corrected. I have made repeated efforts over several months to resolve this directly, but I continue to see a balance that I do not believe I should owe. I am requesting that the companies : - Review all balance transfer activity carefully - Verify which transfer was valid and authorized - Correct any duplicate or erroneous transfer transactions- Remove any remaining incorrect balance - Reverse any related fees or interest charges related to this issue - Provide a clear written explanation of the transactions and resolution I am seeking assistance because my repeated attempts to resolve this issue directly have not been successful.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
I received notification that the app lost connection with my financial institution ( XXXX XXXX ) I have followed the steps within the app to reconnect the same bank account multiple times without success ( see attached app images ) Today, i reached out via chat for support with trying to resolve this issue. The agent I chatted with did not provide any assistance with troubleshooting the matter. In fact, I don't think it was an actual person. ( see attached chat transcript ) Of note, I was seeking assistance with reconnecting the same bank account, and not changing to a new bank account like the agent presumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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:
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 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: T.S. Holdings
State: FL

Complaint narrative:
am writing to formally notify you of a breach of agreement and violations of the Federal Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( FCCPA ). I spoke with your representative. At the onset of the call, I clearly disclosed that I was recording the conversation for my records. Your representative explicitly consented to the recording and continued the call. During this recorded conversation, your agency made a specific, binding promise : that in exchange for my payment of {$830.00} this account would not be reported to any credit bureaus. Relying on this representation, I made the payment in full. Despite this agreement, your agency has reported this account to the credit bureaus, negatively impacting my credit profile. This constitutes a " false, deceptive, or misleading representation '' used to collect a debta direct violation of 15 U.S.C. 1692e and Florida Statute 559.72. DEMAND FOR ACTION : To avoid formal litigation, I demand that you take the following actions within seven ( 7 ) business days : 1. Completely recall and delete the reporting of this account from XXXX XXXX XXXX XXXX 2. Provide written confirmation to me that the deletion request has been submitted. Failure to remedy this within the allotted time will result in me initiating a lawsuit to recover statutory damages ( under both FDCPA and FCCPA ), actual damages for emotional distress and credit harm, and punitive damages as allowed under Florida law. Please be advised that Florida law also requires the non-prevailing party to pay all attorneys fees and court costs. I have preserved the audio recording and a full transcript as evidence for the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I am filing this complaint against MoneyLion regarding inaccurate credit reporting, failure to validate a debt balance, and refusal to provide account records. MoneyLion reported my XXXX XXXX XXXX loan account as late/delinquent to the credit bureaus. I requested a complete loan statement and payment ledger so I could verify the balance and resolve the account. Instead of providing the requested accounting records, the company only sent a brief email stating a balance amount. The company has failed to provide : * Full payment history * Loan ledger * Itemized accounting * Principal/interest allocation * Amortization schedule * Documentation supporting the reported delinquency Additionally, conflicting balances have been presented : * Approximately {$72.00} shown inside the app/account interface * {$130.00} claimed in email correspondence Because the balance information is inconsistent and unsupported, I dispute both the alleged balance and the late payment reporting. I believe MoneyLion may be furnishing inaccurate or unverifiable information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB assist in obtaining : 1. Full validation and accounting of the debt 2. Correction or deletion of inaccurate reporting 3. Investigation into the companys furnishing and dispute handling practices I am attaching screenshots and correspondence supporting my complaint.

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 2026-05-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a home loan and was approved twice. After working with the XXXX XXXX agent for some time, we lost contact, causing me to go into the bank and meet with her twice. She never finished my first loan, which I qualified for based on my credit score and income. After further delay, I went back into the bank and was told the Loan Agent assisting me no longer worked there. I asked to speak with someone about the progress of my poan application, and then I was told I should file a complaint. I received a preapproval in Chase Bank email for a credit card for {$10000.00}, which I accepted while I continued to ask for further assistance with my home loan. The timeline will show the bank 's neglect and fault, causing the card to be overdrawn and causing my credit score to drop. I spoke with representatives about the Chase credit card and about the XXXX XXXX purchase before the overdraft on the card, and there was no immediate response. Instead, there was a long delay, and the following year the car was placed back on the card, causing the card to double, somehow. The home loan on the second application decreased to XXXX of the first loan preapproval, and then I was denied altogether and told to go through HUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: LA

Complaint narrative:
A company named relaint capital solutions had been texting me stating that I owe a debt. I have never done business we this company so their claims arent valid. They have sent me multiple messages and I never gave this company permission to contact me which is a violation of the fdcpa. I want this company to stop all communication with me through all forms including my credit report. This debt collection agency buying my personal information without my consent is a violation of my consumer rights. It also know as identity theft to buy my personal information such as my name, date of birth, cellphone number, address and social security number. I want my information deleted from their system and stop reporting my information. When a debt collector violates the Fair Debt Collection Practices Act ( FDCPA ) by charging unauthorized fees, they are liable to the consumer for actual damages, statutory damages of up to {$1000.00} per lawsuit. The debt collection agency can be liable to me if they dont stop these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I am disputing this account as inaccurate and incomplete. The vehicle associated with this account was repossessed and sold ; however, I was never provided with a post-sale accounting or documentation showing the amount the vehicle sold for. Because the sale proceeds were never disclosed, the remaining balance being reported can not be verified and may be inaccurate. Additionally, the related third-party collection account has already been closed and collection efforts terminated. Please provide complete documentation supporting the reported balance, including the vehicle sale amount and deficiency calculation. If this information can not be verified, this account must be corrected or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I spoke to SOFI and reported unauthorized fraudulent charges on my debit card. I was in the hospital for XXXX months and noticed charges that I did not authorize there are a few transactions that are fraudulent on my checking account that i have never authorized. i dont own a XXXX and do not use XXXX XXXX {$590.00} XX/XX/year> XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX {$79.00} XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: TN

Complaint narrative:
Remittance transactions XXXX, of {$2000.00} ref number this transfer XXXX, I sent money to My father account in XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I used instant transfer and the recipient never got the money to his bank account and I reached to Remitly on XX/XX/year> about the status of my transfer and Remitly mentioned XXXX funds are delivered but It never happens, and I have shared all the bank statements and proofs to Remitly and they are not giving me my money back and I tired reaching out them every single day and there is no proper response from team I spoke with almost XXXX agents and managers so far and non of them respond

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: NC

Complaint narrative:
On XX/XX/year>, a charge from XXXX XXXX in the amount of {$1500.00} appeared on my account. I did not recognize the transaction and later recalled that I had allowed my niece to use my phone the day before to play games. After repeatedly asking her whether she had used my phone to make a purchase, she eventually admitted that she had made the transaction without my knowledge or authorization. As soon as I became aware of the unauthorized purchase, I filed a dispute on XX/XX/year>. On XX/XX/year>, I was notified that the dispute had been denied. I never authorized this charge, nor was I aware that the purchase had been made until I saw the transaction on my account and obtained my nieces confession.

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 2026-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We live in XXXX and opened an account with Bank of America in 2004 when we purchased a vacation home. We opened current account as we did not require any borrowings. We were advised that in USA banks charge a monthly fee of 25 $ month. We have paid this fee for 22 years. On a visit to the bank we were informed by XXXX XXXX at the XXXX XXXX XXXX XXXX branch that we should not have been paying this monthly fee of XXXX $ as it should only be XXXX $ month. She then spoke to the Manager and he agreed to refund 3 months charges. XXXX then told us to contact Client Care Executive Response to make a claim. I emailed them and a lady XXXX XXXX phoned me and apologised for the error and offered me a 12 month refund. She said she would call back in a few days to confirm. However I asked her could they backdate it to 2004. She rang a few days later to say they are not prepared to refund anything.

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 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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