vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 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: PA

Complaint narrative:
To Whom It May Concern, I am formally disputing the XXXX account reporting on my consumer credit file. This account does not belong to me, and I have no contractual relationship with XXXX regarding this alleged debt. I have previously disputed this account multiple times and requested competent evidence supporting the reporting of this account. To date, neither the credit reporting agencies nor XXXX have provided sufficient documentation establishing that I legally authorized or incurred this obligation. Under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2, furnishers and consumer reporting agencies are required to maintain maximum possible accuracy and conduct reasonable investigations of disputed information. I am requesting a complete reinvestigation of this account and demand that all inaccurate information be deleted immediately if verification can not be properly established. This letter serves as a formal notice of dispute and request for validation and method of verification. Please note : * I am asserting that this account is fraudulent and/or not mine. * Continued reporting of inaccurate information after notice of dispute may constitute willful noncompliance under the FCRA. * Automated or superficial investigations are insufficient under federal law. I request that all parties provide the documentation outlined below within the statutory investigation period. Please provide the following documents and records relating to the disputed XXXX account : 1. Original signed contract or service agreement 2. Complete account application 3. Date account was opened 4. Full account history and billing statements 5. All addresses associated with the account 6. Method used to verify identity at account opening 7. IP address/device data used to establish service 8. Any signatures associated with the account 9. Copies of drivers license or identification used 10. Complete payment history 11. Documentation proving I authorized this account 12. Method of verification used during prior investigations 13. Name, address, and telephone number of the individual/entity that verified this account 14. Any collection assignment or transfer agreements 15. Audio recordings or electronic authorization records, if applicable If these records can not be produced, I demand immediate deletion of this account from all consumer reporting agencies. 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 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 is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing this complaint against Caine & Weiner Company , Inc. regarding an alleged XXXX XXXX XXXX debt . Caine & Weiner sent me a collection letter dated XX/XX/2026 claiming I owe {$220.00} on XXXX XXXX XXXX Account # XXXX for XXXX XXXX XXXX . The only support included was a reprinted XXXX statement showing two annual storage fees of {$90.00} each and an interest fee of {$45.00}. On XX/XX/2026, I sent Caine & Weiner a written dispute by certified mail. I disputed the debt in its entirety, did not admit liability, requested validation and documentation, requested proof of their authority to collect, requested the original contract/agreement or signed document, a complete itemization, the alleged date of default, documentation showing assignment or placement for collection, and proof that the claimed amount is accurate and lawful. I also requested that collection activity cease until they provided the requested documentation and that all future communication be in writing only. Caine & Weiner responded by letter dated XX/XX/2026. Their response stated that they had completed their investigation, determined the account information was correct, and marked the account as disputed. However, they again enclosed only what appears to be the same basic reprinted XXXX statement. They did not provide the original contract or storage agreement, the legal or contractual basis for the fees, the basis for the {$45.00} interest charge, the alleged date of default, a full account history, documentation showing assignment or placement for collection, or proof of Caine & Weiners authority to collect. I believe their response is insufficient validation. A conclusory statement and a reprinted invoice do not establish that I am legally obligated to pay this alleged debt or that the amount is accurate and lawful. I am also concerned that they may continue collection efforts after my timely written dispute without providing the requested documentation. I want Caine & Weiner to : 1. Cease collection activity unless and until they provide adequate validation and documentation. 2. Provide the original contract/agreement or signed document creating the alleged obligation. 3. Provide a complete account history and itemization of principal, fees, interest, payments, and credits. 4. Provide the contractual or legal basis for the {$45.00} interest charge. 5. Provide the alleged date of default. 6. Provide documentation showing Caine & Weiners authority to collect this account. 7. Confirm whether this account has been reported to any consumer reporting agency and, if so, confirm that it is marked as disputed. 8. Communicate with me only in writing.

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: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am filing this complaint regarding inaccurate and potentially obsolete credit reporting by Portfolio Recovery Associates concerning an alleged XXXX XXXX account. This account appears to stem from a XXXX XXXX credit card that became delinquent more than seven years ago. Despite this, Portfolio Recovery Associates continues reporting the account on my credit reports and continues updating the tradeline monthly. I have disputed this account multiple times with the credit bureaus and directly requested validation and records from the company on several occasions. To date, I have not been provided with sufficient documentation proving : 1. The original date of first delinquency 2. The complete payment history 3. The chain of ownership/assignment of the debt 4. That the debt remains legally reportable under the Fair Credit Reporting Act ( FCRA ) 5. The method used to verify the account after my repeated disputes I am concerned this account may be improperly re-aged or inaccurately reported beyond the legal reporting period permitted under the FCRA. Additionally, despite repeated disputes, the account continues to be verified without adequate supporting documentation being provided to me. I am requesting the following : * A full investigation into the accuracy and legality of this reporting * Documentation supporting the date of first delinquency * Documentation proving Portfolio Recovery Associates has the legal right to report and collect this account * The method of verification used after my disputes * Immediate deletion of the tradeline if the company can not fully validate and legally support continued reporting I also request that all inaccurate, unverifiable, or obsolete information be removed from all consumer reporting agencies immediately. Thank you.

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: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This is agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SG and Associates
State: TX

Complaint narrative:
I have mailed several letter to this collection company. I have not received any documents saying this debt is mine. I have mailed to the address reporting on my credit report and it seems like they are reporting incorrect information.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am writing to formally dispute unauthorized transactions made on my Cash App account as a result of my account being hacked on XX/XX/year>. As a result of this unauthorized access, I suffered a financial loss totaling {$3700.00}. I did not authorize these transactions, did not provide permission for anyone to access my account, and did not benefit in any way from the transfers that occurred. Immediately upon discovering the unauthorized activity, I took steps to secure my account and reported the incident to Cash App support. Despite reporting the fraudulent activity promptly, I have not yet received reimbursement or an adequate resolution. Originally I was told it would be 5 to 10 business days to resolve the issue. On day 10 when I called I was told that it includes weekends so then I would have to wait. When I called back later that same day, a different customer service rep told me that I had to wait until the end of the business day. When I called back on day 12, they told me that it could take longer than 5 to 10 business days. This is the first time I was told that it would take longer than 10 business days. I was not able to talk to a supervisor, but I was told that the supervisor would reach out to me by email. It is has been a month since I filed a complaint about my account being hacked and I still have not heard from a supervisor. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, consumers are protected from unauthorized electronic fund transfers when timely notice is provided. Because these transactions were unauthorized and resulted from fraudulent access to my account, I am requesting : 1. A full investigation into the unauthorized transactions ; 2. Immediate reimbursement of the {$3700.00} removed from my account ; 3. Written confirmation of the findings of your investigation ; and 4. Restoration of any compromised account access or security issues related to this incident. I request that Cash App preserve all records related to this matter, including login activity, IP addresses, device information, linked account changes, and transaction logs associated with my account on or around XX/XX/year>. Please consider this correspondence my formal notice of dispute and demand for resolution. If this matter is not resolved promptly, I will continue pursuing remedies through the Consumer Financial Protection Bureau ( CFPB ), my financial institution, the Federal Trade Commission ( FTC ), and any other appropriate regulatory or legal channels. I look forward to your prompt response and resolution of this matter.

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

Complaint narrative:
Wanted to buy a XXXX XXXX bag off a user in XXXX on XX/XX/XXXX, sent XXXX $ Many weeks past and I kept asking for shipping and he was lying saying he would ship it. Nothing happend so i filed a claim and still havent got my money back

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 was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am a victim of identity theft and previously submitted an FTC Identity Theft Report regarding this fraudulent account. The account has already been removed from my credit reports after disputes with the credit bureaus, which confirms the account information was disputed and inaccurate. However, the company continues to claim I am personally liable for this fraudulent debt and continues collection efforts despite receiving my identity theft documentation. I did not open, authorize, or use this account. I never benefited from the charges associated with this account. I request that the company provide all documents and evidence used to determine liability, including : * Original signed application or agreement * IP address and device records * Transaction history * Signature verification * Investigation notes * Any documentation proving I authorized the account or charges Under federal law, companies must conduct a reasonable investigation of identity theft claims. Continuing to collect a fraudulent debt without sufficient proof is improper and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DLF Law Group, LLC
State: MN

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( formerly knon as Dobberstein Law Firm ) for multiple violations of the FDCPA and improper collection actions in Minnesota. XXXX obtained a judgment against me without ever serving me. Process server affidavits show person unknown, no such address, and unable to get response. Later, they claimed substitute service on a person who does not live with me and lives in XXXX XXXX, not XXXX XXXX. No affidavit of mailing exists. XXXX original Complaint filed on XX/XX/XXXX identifies the debt as a motor vehicle retail installment contract, but later filings reclassified it as a consumer credit contract. This misclassification changed the statute of limitations and misrepresented the nature of the debt. Motor vehicle installment contracts fall under a 4year statute of limitations ( Minn. Stat. 336.2725 ). The contract originated XX/XX/XXXX, and XXXX filed suit XX/XX/XXXX, more than four years later. The lawsuit was timebarred when filed. XXXX also can not prove ownership of the debt. The XXXX Bill of Sale includes my account, but the XXXX Bill of Sale is missing the account schedule entirely. They filed assignments before receiving my dispute, and no XXXX document identifies my account. I mailed a written dispute on XX/XX/XXXX, received by XXXX on XX/XX/XXXX. They continued collection activity before and after receiving the dispute and never validated the debt. A filing dated XX/XX/XXXX falsely claimed attorney involvement ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which is untrue. The writ of execution was never served on me. Instead, the Sheriff delivered the writ, levy, notice to third party, and earnings disclosure to my employer, violating FDCPA 1692c ( b ) ( thirdparty disclosure ). This caused embarrassment, distress, and fear of job consequences. I filed a Motion to XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX, and enforcement is still being attempted. I am on government assistance, and my income is 100 % exempt under Minn. Stat. 550.37. I am requesting CFPB investigation into XXXX and XXXX XXXX XXXX for misrepresentation, improper service, unlawful enforcement, timebarred lawsuits, and FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IN

Complaint narrative:
I initiated a dispute with Cash App regarding a transaction of {$500.00}. I was advised by this company that the dispute was unnecessary and that they would refund me the money as long as I canceled the dispute now Cash app wont cancel the dispute, even after letting them know that the issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT 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 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ID

Complaint narrative:
The Idaho Department of Education issued a check to Mohela in the amount of {$45000.00} on XX/XX/year>2026. This is grant money issued by the state of Idaho to teachers serving rural and underserved populations. This check was supposed to be applied to XXXX different borrower accounts, mine being XXXX of them. According to the Department of Education, XXXX of the other accounts listed on that check have received their {$4500.00} grant, but over XX/XX/XXXXmonths later I still have not seen it applied to my account. The problem lies with Mohela mysteriously changing my account number last year without informing me. As such, the check that the Idaho Department of Education sent Mohela is using my old account number. It should be noted that this exact same problem also happened XXXX year ago and also resulted in months of phone calls, emails, formal complaints, and frustration before it was finally resolved. This time, it is taking MUCH longer to resolve and I cant get any answers as to why. Ive sent them copies of the check, Ive had XXXX calls with my representative from XXXX ( XXXX XXXX XXXX and Mohela together trying to figure it out, Ive filed disputes with Mohela directly , the account was put in forbearance forXX/XX/XXXX days to investigate but nothing was resolved, and I just waited anotherXX/XX/XXXXdays for my latest dispute to be investigated without an answer or movement. I have now filed another dispute with Mohela. This incorrect loan balance is negatively affecting the amount of my interest payments and my credit score. I can not make the situation any clearer for them, it is a simple problem that they cant ( or wont ) fix. Please help me get the check applied to my student loan. They simply need to reroute the payment from the old, closed account ( XXXX ) to the new one ( XXXX ).

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
The bank is double-charging for the same transaction, and when brought to the lender, they change the transaction date of the charges

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: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Block, Inc.
State: IN

Complaint narrative:
in the XXXX week of XX/XX/year> my minors account was closed there were still monies in savings stocks an bitcoin with no explanation no call no check no interest how Cash App deals in alot of chat support a robot unless you ask for an advocate not customer support you have to call XXXX number to only get a customer support that reads from screen an can not talk to manager or supervisor unless its via email several if then days later unexceptable when it comes to dealing with funds

Company response to consumer: Closed with explanation