vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Aargon Agency Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Alleged Account : Aargon Agency Inc. Alleged Amount : {$1100.00} Aargon Agency Inc. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX No amount past due, no date of last payment, no payment history or frequency, and missing key account details required for accuracy. Aargon Agency Inc. is currently reporting an alleged debt on my credit file. I formally disputed this account and requested validation of the debt pursuant to my rights under federal law. My request included a demand for proper documentation, including but not limited to a copy of the original signed contract, account statements, and proof that Aargon Agency Inc has the legal authority to collect on this alleged debt. Despite my request, Aargon Agency Inc has failed to provide any validation of the debt within a reasonable timeframe. Additionally, they have continued to report this account to the credit bureaus without verifying its accuracy. This conduct is a violation of : The Fair Debt Collection Practices Act ( FDCPA ), specifically failure to validate a debt upon request. The Fair Credit Reporting Act ( FCRA ), specifically reporting unverified and potentially inaccurate information. The Fair Credit Reporting Act ( 15 U.S.C. 1681i ), ( 15 U.S.C. 1681s-2 ).

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 2026-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: CA

Complaint narrative:
In XXXX I held XXXX private XXXX XXXX loans totaling {$61000.00}. I relocated and did not receive billing notices. I had no idea the loans were in default until my employer ( XXXX XXXX, Washington XXXX ) notified me that a wage garnishment notice had been received at my workplace. They were already garnishing my wages before I knew there was a problem. I called XXXX XXXX in a panic to stop the garnishment. I was told on the phone that consolidation with a creditworthy cosigner was the only available option the only way to stop the garnishment and reduce my payments. That representation was false. I was never told I could negotiate payment arrangements on the XXXX individual loans separately without consolidating. I had no time to think, no opportunity for independent advice, and no meaningful alternative presented. The garnishment was actively running. Because I could not qualify alone, I called my mother XXXX XXXX XXXX. I told her what XXXX XXXX told me that this was the only way. She trusted me and signed. She received no independent disclosure of her rights or alternatives as cosigner. We both signed the loan application on XX/XX/XXXX. The TILA disclosure showing the actual loan terms, XXXX, and total cost was not provided until XX/XX/XXXX, after we had already signed the application. Under the promissory note, we had only XXXX business days from that disclosure date to cancel. That window fell directly over the XXXX holiday, leaving no meaningful opportunity to review the terms, seek independent advice, or exercise the right to cancel before the loan disbursed on XX/XX/XXXX at XXXX XXXX variable interest on a XXXX term. Nearly XXXX years later : I have paid {$83000.00} on an original principal of {$61000.00} and still owe {$74000.00} more than the original principal. Estimated payoff is XXXX. Total projected cost approaches {$250000.00}. My mother remains liable as cosigner. I sent XXXX a formal dispute and records request delivered XX/XX/XXXX by certified mail. XXXX sent only an auto-acknowledgment. Over XXXX days later no records produced, no investigation communicated, no substantive response. In addition to certified mail, both my original dispute and my XXXX Notice were submitted simultaneously via email to advocate XXXX XXXX. XXXX 's only response to either submission was the initial auto-acknowledgment email. No substantive response has been received by mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I submitted a name change to Amex through their portal with a drivers license the first time around XX/XX/year>. On XX/XX/year> I submitted my marriage certificate and a court order showing my name change as they denied the first attempt. They continue to ask for more information from and to re-submit everything again. They have the court order and have refused to change my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnTo Whom It May Concern,\n\nI am writing to formally dispute the above-referenced account, which you claim has been verified. I do not agree with your findings, and I am exercising my rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).\n\nPursuant to 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. Your prior verification does not constitute proper validation under federal law. I am requesting that you provide competent evidence that I have a legal obligation to pay this debt, including but not limited to:\n\n* A copy of the original signed contract or agreement bearing my signature\n* A complete payment history and accounting of the alleged debt\n* Documentation showing your legal authority to collect on this account\n* Proof that this debt was legally assigned or transferred to your company\n* Verification of the original creditors name and address\n\nAdditionally, under 15 U.S.C. 1681i of the FCRA, you are required to conduct a reasonable investigation. Simply stating that the account has been verified without providing supporting documentation does not meet the standard of a reasonable investigation.\n\nIf you cannot provide the requested documentation, you must immediately:\n\n1. Cease all collection activity\n2. Delete this account from all credit reporting agencies\n3. Provide written confirmation of deletion\n\nFurthermore, please be advised that reporting inaccurate, incomplete, or unverified information to the credit bureaus may constitute a violation of federal law. Continued reporting of this account without proper validation may result in complaints filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney General.\n\nThis letter is not a refusal to pay, but a notice that your claim is disputed and validation is required.\n\nPlease respond within 30 days of receipt of this letter.\n\nSincerely,\nBrittany Watson'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
I requested access to my online mortgage account multiple times and have been unable to log in for several days. The company has failed to restore my access or provide assistance. This is preventing me from managing my loan, reviewing account details, and verifying important information. This issue began after I raised concerns about my account and reporting, and it appears my access has been restricted without explanation.This issue is ongoing and unresolved as of today.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am disputing a charge of {$580.00} froXXXX XXXX XXXX XXXX my Synchrony Bank credit card. I arrived at the XXXX XXXX XXXX XXXX on XX/XX/year> for a prepaid stay XXXX XXXX XXXX XXXX XXXX XXXX, but the hotel informed me the reservation had been cancelled. I never received the service I paid for. XXXX cancelled my booking without my consent and without notifying me. Synchrony Bank has denied my dispute. I have now secured an official XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX ( attached ) showing a 'Total Deposit ' of {$0.00}, which proves the hotel never received payment and I never stayed under that reservation. I have attempted to resolve this with XXXX and received no response. Synchrony Bank is in violation of the Fair Credit Billing Act by refusing to refund a charge for services that were never rendered.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/year> Capital One Bank denied my approval for an unsecured credit card, despite other company approvals as a reward for my XXXX credit score. This is a fraudulent attempt to extort XXXX XXXX XXXX from me for a secured card this bank claims is my only option. An audit & full investigation is highly recommended.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Complaint Description Unauthorized Transactions & Account Locked ( Case # XXXX ) I am filing a complaint against Coinbase for unauthorized account activity, lack of support, and failure to resolve my case. On XX/XX/2026, I received a fraud alert from XXXX. I was asleep at the time and did not authorize any transactions. My Coinbase account showed unauthorized access and transfers, despite no activity since XX/XX/2026. I did not share my login credentials. I reported the incident immediately and filed a police report. Coinbase has since provided limited information, but my account remains locked and I can not access my funds. I am not receiving responses or meaningful assistance despite the urgency of this situation. I am requesting immediate access to my account, a full investigation, reimbursement of stolen funds, and complete account records. I am seeking assistance from the Consumer Financial Protection Bureau due to Coinbases failure to act in a timely and adequate manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
" I am filing this complaint against Bank of America regarding claim # XXXX. I was a victim of a professional 'Impersonation Scam ' involving a rental property. Criminals posed as legitimate XXXX XXXX XXXX XXXX XXXXXXXX and used high-pressure tactics and professional-looking documents to deceive me. Under this criminal deception, I was induced to send XXXX separate payments via XXXX totaling {$1400.00} ( broken down as {$140.00}, {$500.00}, and {$810.00} ). I only authorized these transfers because I was led to believe I was dealing with a verified business entity. As soon as I realized it was a scam and that the individuals had stolen my money, I contacted the bank immediately. Crucially, when I first reported the fraud, the banks representative listened to my case and explicitly stated that I would be eligible for a refund. However, the bank has now retracted that promise and denied my claim, stating they can not refund me because 'the recipients account lacks funds ' and that I should 'work with the police. ' I reject this entirely. I have strictly followed all legal procedures, filing a criminal report with the XXXX XXXX XXXX Police ( # XXXX, XXXX XXXX # XXXX ) and the FTC ( # XXXX ). Under Regulation E and CFPB official guidance, when a consumer is induced into a transaction by a third party misrepresenting themselves ( Impersonation Scam ), it is a protected event. The banks duty to reimburse me is a legal requirement under federal law and is NOT contingent on the scammer 's current account balance or the bank 's ability to recover the funds. I demand a full refund of my {$1400.00}. ''

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
This debt was not opened by me. I have not signed anything regarding this debt. The company has not provided any information to me on the status of the debt when it was opened or a signature sheet with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: AZ

Complaint narrative:
I am formally disputing unauthorized charges from XXXX and XXXX on my JPMorgan Chase Bank , National Association XXXX credit card and requesting immediate reinvestigation and reversal. I have never opened, used, or authorized any account or service with either company. I contacted both merchants directly, and they were unable to locate any account associated with my name or email, confirming I did not initiate these transactions. I reported these fraudulent charges to my bank promptly. While some transactions were refunded, my bank arbitrarily denied others without providing a sufficient explanation or evidence that I authorized or benefited from the charges. This inconsistent handling of identical fraudulent transactions raises serious concerns about the adequacy of the investigation. I did not provide my credit card information to XXXX or XXXX, nor did I receive any goods or services from these charges. Any claim that these transactions were authorized is inaccurate. It is possible my information was used without my consent, and I reported this immediately upon discovery. Under the Fair Credit Billing Act, I am not liable for unauthorized charges, and my financial institution is required to conduct a reasonable investigation. Based on the facts, the denial of these claims appears to be unsupported and incomplete. I am requesting a full reinvestigation of the denied charges, including documentation of how the determination was made, and immediate reversal of the remaining fraudulent transactions. If my bank is asserting that these charges were authorized, I am requesting proof of authorization, including any IP address, device data, or account linkage used to support that conclusion. I have submitted an identity theft report through the Federal Trade Commission and am prepared to provide any additional documentation required. I expect this matter to be corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: American First Finance, Inc.
State: TX

Complaint narrative:
I took a {$2600.00} loan on XX/XX/2025 at XXXX XXXX with American First Finance and after the promotional period expired, the balance increased to around {$10000.00} due to deferred interest. I believe the terms were not clearly explained and the charges are excessive. I am requesting review and assistance in reducing or correcting the balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a new Truist client who opened a Truist One Checking account for a {$400.00} promotion ( Promo Code : XXXX ). I met all requirements, specifically depositing {$1000.00} bi-weekly on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for a total of {$3000.00}. This is 150 % of the required deposit amount. I also completed the 20 qualifying purchases. On my 20th transaction at a XXXX 's drive-thru on XX/XX/year>, the cashier provided a total that did not include taxes. This led me to believe I had sufficient funds, causing a temporary overdraft of {$0.00} ( XXXX cents ). Because the account had been open for over 35 days and had recurring direct deposits, I should have been protected by the marketed " {$100.00} Balance Buffer. '' However, I was not alerted to a problem at the point of sale. I only discovered the XXXX shortfall two days later on XX/XX/XXXX, when I received an automated email stating I was disqualified from the promotion. I corrected the balance to positive immediately upon discovery. Truist uses " No Overdraft Fees '' and a " Balance Buffer '' as primary marketing hooks. To use a corrected XXXX error to void a {$400.00} contractual reward is predatory and inconsistent with their own product disclosures, as seen on their website ( screenshots included ). I have fulfilled the substantial letter and spirit of the promotion. I have attached official statements proving {$3000.00} in direct deposits and 20+ transactions.

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 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
I am disputing a collection from Waypoint Resource Group for {$230.00}. This debt ( XXXX account ending in XXXX ) was settled in full with XXXX on XX/XX/2025. I have attached the Settlement Satisfaction Letter from XXXX confirming the account is resolved. Waypoint is illegally reporting a balance that does not exist. I request immediate deletion of this trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: NV

Complaint narrative:
I used Cash App to make a payment to a merchant ( XXXX ) for goods/services. The merchant failed to provide a proper refund and did not fulfill their obligation. After this, I filed a dispute with Cash App requesting reimbursement. Cash App denied my dispute, stating the merchant fulfilled their obligation. However, I was not provided with any meaningful explanation or evidence supporting this decision. I requested clarification on what evidence was used, how the investigation was conducted, and why a refund was not issued, but I only received automated responses with no detailed review. I made multiple attempts to resolve this issue directly with both the merchant and Cash App, but the matter remains unresolved. At this time, I am left without my funds and without a proper explanation of the dispute outcome. I am requesting a full investigation into this matter and reimbursement of my funds due to the merchants failure to provide goods/services and Cash Apps failure to properly investigate and handle my dispute. The total amount in dispute is {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Miguel A. Maza & Associates, PSC
State: PR

Complaint narrative:
Company continues to call, creating a legal case with my an incorrect name. My legal name is XXXX XXXX and they created a case for debt under XXXX XXXX XXXX. Also the collection agency they are representing are aware of my last name since they represent XXXX in United States. The lawyers, Maza A & Associates, residents of XXXX XXXX, are unaware of the correct spelling making in incredible to believe the amount they are suing. The debt they are collecting is over 7 years old and they are pursing under false identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: PR

Complaint narrative:
Company continues to call, creating a legal case with my an incorrect name. My legal name is XXXX XXXX and they created a case for debt under XXXX XXXX XXXX. Also the collection agency they are representing are aware of my last name since they represent XXXX in United States. The lawyers, XXXX XXXX XXXX XXXX, residents of XXXX XXXX, are unaware of the correct spelling making in incredible to believe the amount they are suing. The debt they are collecting is over 7 years old and they are pursing under false identity.

Company response to consumer: Closed with non-monetary relief