vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Perpay, Inc.
State: OH

Complaint narrative:
I paid this account in full, and despite satisfying the entire balance owed, the company continues reporting the account as carrying an active balance on my credit report. Although the remaining amount being reported is only {$1.00}, the continued reporting has caused substantial harm to my credit profile and resulted in a significant drop of nearly XXXX points to my credit score. What is especially concerning is that I was never delinquent or late on this account. My credit history and score were in good standing until the moment the account was paid off in full. After payoff, it appears there may have been an unauthorized recurring charge, billing error, or failure to properly close and update the account status, resulting in the company continuing to report a balance each month to the credit bureaus. I contacted the company directly and explicitly requested that the account be canceled, corrected, and accurately updated with all applicable credit reporting agencies. I also informed them that the inaccurate reporting was causing ongoing financial harm and negatively impacting my creditworthiness. Despite these efforts, I have not received a proper resolution or meaningful response. To clarify, these recurring amounts are not continuing through my bank account. The issue is the companys continued furnishing of inaccurate credit information by reporting a {$1.00} balance every month on an account that was already paid in full. As a direct result of this inaccurate reporting, I have suffered damages affecting important financial opportunities and major life decisions. I was actively preparing to move forward with purchasing a home, and the substantial decrease in my credit score materially interfered with my ability to qualify under favorable lending terms and proceed confidently with that process. This inaccurate reporting has therefore caused not only financial harm, but also disruption to my personal and long-term financial goals. I am requesting that the company immediately : 1. Conduct a full investigation into the inaccurate reporting ; 2. Correct all information being furnished to the credit bureaus ; 3. Remove the recurring balance being reported in error ; 4. Update the account status to accurately reflect paid in full and/or closed ; and 5. Take all necessary corrective actions to mitigate the damages caused by the inaccurate reporting. The continued reporting of inaccurate account information after full payment may constitute improper credit furnishing practices and has caused ongoing and unnecessary harm to my financial standing.

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: Incorrect information on your report — Account information incorrect
Company: Perpay, Inc.
State: GA

Complaint narrative:
I had an account with PerPay for a few months and there were no issues when the account was open. I did an audit of my credit and closed all accounts that were subprime or carried an annual fee. I closed the account and paid the remaining balance almost 3 months ago. I've reached out to their support email and file 2 disputes to have them correct this information on my credit report but to no avail. The support tickets I have opened have been abruptly closed after weeks of no response. They claim that after 60 days it should be updated but I closed the account in XXXX and close if not past 60 days. Also, PerPay has a credit line account you can open as well. I never used it just wanted the reporting and closed it at the same time and it closed during the next credit reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On or about XX/XX/year>, I disputed a collection account being reported and collected by Portfolio Recovery Associates in the amount of approximately {$1200.00}, allegedly originating from XXXX XXXX. I requested documentation sufficient to substantiate the debt, including proof of ownership or assignment, complete account-level transaction history, date of first delinquency, and documentation supporting the amount being reported and collected. In response to my dispute, the company provided only an account summary dated XX/XX/year>. The response did not include documentation establishing chain of assignment, competent evidence of ownership, complete payment history, original account-level records, or documentation supporting the balance being reported. Despite my dispute, the company continues furnishing this collection account to consumer reporting agencies and attempting to collect the balance. I am requesting that the company provide competent documentation establishing ownership, balance accuracy, and reporting accuracy, or cease furnishing the account and request deletion of any inaccurate, incomplete, or unverifiable reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLAZA HOME MORTGAGE, INC.
State: MA

Complaint narrative:
XXXX XXXX has repeatedly mishandled my mortgage account and caused serious harm to my credit and financial stability. They keep reporting that I owe them money when I do not. Their errors have damaged my credit multiple times, and I have had to dispute the same issues over and over. They also make it extremely difficult for me to make payments. Their system often blocks or rejects payments, forcing me to call in every month. When I call, I am transferred to representatives who do not speak my language, making communication nearly impossible. This has caused delays and additional stress. Because of their repeated mistakes, I have had to keep money in an escrow account just to avoid more problems. Even then, they continue to report incorrect information and claim I owe money that I do not owe. I believe XXXX XXXX is violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Real Estate Settlement Procedures Act ( RESPA ). Their actions feel abusive, negligent, and discriminatory because they do not provide adequate language access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rausch Sturm LLP
State: ND

Complaint narrative:
On XX/XX/year>, I initiated settlement negotiations regarding this debt and offered a good-faith lump sum resolution. After continued communication, I submitted multiple emails, hardship documentation, formal complaints, and legal filings requesting written settlement terms and payment instructions. On XX/XX/year>, I received a written settlement agreement for {$1400.00} due by XX/XX/year>. However, when attempting to make payment, I was blocked from accessing the payment portal, advised my account was on hold due to my complaint status, and was unable to consistently reach a live representative for payment processing assistance. Despite my repeated good-faith attempts to comply, the company created communication and administrative barriers that interfered with my ability to fulfill the agreement. I requested written settlement terms, hardship review, account access, and payment processing options, but the company failed to provide clear, functional access necessary for timely compliance. I am seeking prompt resolution, accessible payment processing, and fair treatment.

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 2026-05-12 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: CA

Complaint narrative:
This is the CFPB version of the " What happened '' box. Paste this in it's the same narrative we wrote, and keeping the checkbox to publish is a good move since it adds public pressure : As of XX/XX/year>, I am completely locked out of my MOHELA account and can not make any payment. When I use the " Forgot Username '' feature with my Social Security number and date of birth, the system says it can not locate my account. I am being penalized for nonpayment while being denied the ability to pay. For multiple consecutive months, I have enrolled in MOHELA 's Auto Pay program for my federal student loans. Each month, on or around my due date, Auto Pay is removed from my account without my authorization or explanation. The payment fails to process, I am charged a late fee, and a late payment is reported to the credit bureaus. I contacted MOHELA about this and was told my bank needed to " approve '' the payments. I switched to an entirely different bank account to rule that out. The exact same failure continued Auto Pay removed, payment not processed, late fee charged, credit damaged. This happens with two separate banks, confirming the problem is MOHELA 's system, not my bank. I attempted to resolve this by emailing MOHELA directly and received only an automated response stating they do not handle my request. I have been unable to reach a live representative by phone despite multiple attempts. Every channel I have tried to resolve this has been a dead end. As a result, my credit report now shows multiple late payment marks caused entirely by MOHELA 's Auto Pay errors. This is damaging my credit score and directly affecting my livelihood. I also question the authority under which late fees are being assessed, as the U.S. Department of Education does not assess late fees on federally-owned Direct Loans.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
The disputed transactions are : XX/XX/year> {$1000.00} XXXX transfer to Coinbase XXXX XXXX Number : XXXX XX/XX/year> {$500.00} XXXX transfer to Coinbase XXXX Trace Number : XXXX Coinbase informed me the XXXX transfers failed and stated they could not manually reject or reverse XXXX transactions within their system. However, the funds were never returned to my XXXX account. XXXX later denied my disputes and claimed no error occurred, but also instructed me to provide the XXXX trace numbers to Coinbase to locate the missing transaction and reject the funds if needed/wanted. More than XXXX year has now passed and neither institution has provided : proof of settlement, proof of XXXX return, XXXX return codes, proof of where the funds were credited, or documentation establishing where the funds currently are. I believe both institutions failed to conduct a reasonable investigation and failed to properly account for consumer funds transferred through the XXXX system. I am requesting that the CFPB require the institutions involved to : provide complete XXXX settlement records, identify where the funds were sent, provide all return/rejection documentation, and reimburse the missing funds if they can not establish lawful disposition of the money. This matter has caused significant financial harm and remains unresolved despite repeated efforts to obtain answers directly from both companies and filling XXXX other CFPB complaints submitted on XX/XX/year> - # XXXX and Submitted XX/XX/year> - # XXXX with the last complaint being closed and unresolved because Coinbase needed more time.... Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
our checking account with wells fargo was scammed XXXX individual charges that total {$5000.00}. i found the scammer bought gift cards. we notified the bank, XXXX, ftc, and filed a complaint with the police dept. the bank denied our claim and is asking us to pay the {$5000.00}. this has been on going since XXXX XXXX. the bank is adding interest fees to this personal line of credit which we did not ask for. we have all the paperwork available for proof and have requested wells fargo to send us their proof why they did not vote in our favor. 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 explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: CT

Complaint narrative:
Back in XXXX I received an email ( that I unfortunately no longer have ) that stated from XXXX XXXX XXXX located in XXXX, CT, that they were offering a 3 month trial for {$1.00}, in which I read it just as that. For someone who has life-long permanent XXXX and XXXX, I take many things I read at face value, so I believed this was legit. I then agreed to sign up at which point after signing I discovered that I was played like a fiddle. Not only did I agree to a 3 month trial for {$1.00}, I agreed ( without me knowing the full scope ) that I was committing to a year long service. Mind you, I thought the 3 months was a steal given my financial status in life of being houseless, without a job. I am currently houseless and still unemployed. I am working diligently to obtain work, yet with XXXX and Adhd, we live in a biased XXXX. Forgive my rant, I was not given the entire transparent scope of what I was being charged. After discovering this lack of transparency, XXXX immediately sent an email to the XXXX center explaining the circumstances of what had happened and the company said that they couldn't help me and that I was bound to a contract of 1 year. I pleaded with them to halt all transactions and they said the only way they could waive the membership is if I could provide to them a medical reason that was permanent and impaired my ability to utilize a gym. I felt really uncomfortable by this request because I know my HIPPA rights and I chose to not give my consent in sharing information that could effect me in more ways that XXXX. I never reached out to my doctors because I didn't know what to do or ask for or say. I continue to press the issue with the business in explaining what had happened and still the XXXX company wasn't backing down. In good faith on behalf of my own sovereignty, I chose not to create an account with XXXX XXXX nor visit the XXXX center for the 3 months I had paid {$1.00} for because it didn't feel right too. I then reached out to my credit card company to dispute the transaction at which case the credit card company sided with me and deactivated my credit card associated with XXXX XXXX. They have records on there end to show this. The past week, XXXX XXXX has reached out trying to collect a payment that I owe them and I will not pay due to this ongoing issue. I really need someone to step in because my XXXX and XXXX is flaring up unnecessarily because of this. Also, I am not aware of the yearly amount that was afixed to 1 year, nor have that information. I will have to submit at a later time the document from my credit card company because I do not have it on me. Under the XXXX, I have the right to request extra time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC
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 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: ADP Inc.
State: NY

Complaint narrative:
I got a call from what i thought was my bank telling me I had a XXXX dollar charge for a plane ticket and a XXXX gift card charge they said they need to transfer some money from my account then they wound put it back. when I asked they said it needed to be done to catch the scammers.I then saw XXXX XXXX XXXX withdrawals for over XXXX dollars each show up on my phone I realized I was being scammed and hung up immediately and called the number on the back of my card and reported it after an investigation the bank said the transaction was authorized and I would not be credited my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
XX/XX/XXXX someone not me onn XXXX purchased a wheelchair from XXXX XXXX XXXX XXXX and charged my XXXX before fees. This is not me!! I have contacted Freedom, they have no record of purchase, Icontacted XXXX and was told its not hem even though that is where it was purchased, and affirm who said I am responsible ; e even though I DON'T PURCHASE. They want the name of who did. I don't know, THIS FRAUD!!! I am not paying this, and this needs not to be reported to my credit. Affirm is the most dishonest place I have dealt with. I am filing police report for fraud and will contact a lawyer if needed.,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Albert Corporation
State: VA

Complaint narrative:
My loan has been repaid. They charge a monthly fee to have access to the app.. I have emailed several times to close my account and to please stop billing me. Despite the request, they continue to bill me for an account that I asked be closed. I had to stop using my checking account because they continue to bill despite my request to close the unused account. They will not respond to emails to stop and close my account.

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 2026-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascent Holding Co
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and disputed credit reporting associated with XXXX XXXX. The account being reported does not accurately reflect my circumstances, participation, or the events surrounding the matter. During the relevant period, I was experiencing severe emotional hardship and disruption connected to ongoing litigation and related personal circumstances that substantially interfered with my ability to meaningfully participate in the educational program. Despite these hardships, I attempted to contact XXXX XXXX to seek assistance, support, and options to resolve or retake the course. I did not receive meaningful accommodation or adequate assistance. I also dispute whether the reporting accurately reflects actual attendance, participation, and account validity. I have requested verification and investigation regarding the account, including records of enrollment agreements, participation documentation, login activity, authorization of any financial obligation, and records supporting furnishing activity to consumer reporting agencies. At this time, I believe the reporting is inaccurate, incomplete, misleading, or insufficiently verified under the Fair Credit Reporting Act. I am requesting a full investigation into the reporting practices associated with this account and appropriate correction or removal if the information can not be properly validated. I am also requesting that the furnisher and credit reporting agencies provide copies of all documentation relied upon to support the continued reporting of this account. I am seeking a fair resolution, accurate reporting, and compliance with all applicable consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

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 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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TX

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 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