vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Help, my rights are being violated. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt Including a signed agreement, full account history, and verification of your authority to collect, you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I was traveling in XXXX. I could not log into my Chase mobile app because Chase requires an SMS verification code to be sent to my XXXX phone number. While overseas, I did not receive any SMS codes from Chase. As a result, I was physically unable to access my account to make a payment of around {$100.00} ( pretty small amount ). As soon as I returned to the XXXX and regained access, I paid the full balance immediately. Chase refuses to remove the late payment from my credit report despite the fact that the cause was a technical issue with their SMS authentication system, not my negligence. My payment history before and after this incident is perfect. ( I uploaded my tickets to XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I am writing to formally dispute a collection account currently reported by TSI/XXXX under Account # XXXXXXXX XXXX XXXX & XXXXXXXX XXXX XXXX Upon reviewing my credit report on XX/XX/26, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, as they failed to provide a mandatory dunning notice within five days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only one in my mentorship program to get denied for the $ XXXX startup loan. In the XXXX XXXX, under the standard set in XXXXXXXX XXXX XXXX XXXX XXXX, a collector must provide account-level documentation to verify a debt once it is disputed ; a mere computer printout is insufficient. Furthermore, per 15 U.S.C. 1692g ( b ), the collector is legally required to cease all collection activityincluding credit reportinguntil they provide legal verification. By continuing to report this unverified debt while I am in an active dispute, they are engaging in illegal " debt parking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
A collection company is reporting or attempting to collect a debt from a school I previously attended. I do not believe this debt has been properly validated. I am requesting documentation showing the original agreement, the amount owed, and the collectors legal authority to collect. If they can not provide proper validation, I request the account be removed from my credit report and collection activity stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
My wife and I have a mortgage loan with Amwest Funding Corp Loan # XXXX and we are in the process of refinancing with another lender. The refinance took a little longer than expected. ( The expected closure of the loan was supposed to be in late XXXX ). Throughout that process, we were not instructed by Amwest to make a March payment but rather we were thanked for communicating the status of the refi. However, around XX/XX/XXXX, we received an email stating both I, and my wife who is joint on the loan, have been reported to the Credit agencies for being past 30 days late. I immediately called Amwest for an explanation and was instructed to make the payment and explain the situation via email to customer service. I made the payment and wrote an explanation email asking for a 1 time goodwill adjustment to the credit complaint. However, Amwest has denied this request without a fair investigation or even consideration. The refi is expected to successfully close out on XX/XX/XXXX but the damage has been done. My wife and I are asking for assistance to please encourage Amwest to do the right thing and consider the context of the late payment and have them deleted from our Credit profile. Please consider the following : XXXX. The XXXX payment was made on XX/XX/XXXX XXXX. We are finalizing having the entire loan paid off by XX/XX/XXXX from our new lender XXXX XXXX XXXX. XXXX. We have never been late paying past 30 days prior to this situation XXXX. We communicated with Amwest throughout XXXX regarding my refi status and there was no mention of making a XX/XX/XXXX payment. XXXX. We did not have a fair investigation or consideration conducted by Amwest when we explained our situation XXXX. We tried requesting that they delete the negative reporting but to no avail. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding a charged-off account that I attempted to resolve in good faith. Approximately XXXX year ago, I entered into a formal installment agreement with the creditor ( SYNCB ) to pay {$320.00} per month for XXXX months. I made the first payment as agreed and enrolled in autopay for the remaining payments. However, the creditor never processed the subsequent autopay payments and did not contact me to notify me of any issue, missed payment, or failed transaction. You can request the recorded conversation I had with the creditor saying they never attempted to call me. I was under the impression that the agreed-upon payment plan was being fulfilled as arranged. As a result of this failure on the creditors side, the account has continued to negatively impact my credit report. I am now attempting to resolve the account again, but I believe the circumstances warrant consideration. I upheld my initial obligation in good faith, and the breakdown in the payment process was not communicated to me. I am requesting : XXXX. The same settlement of the account balance that was agreed upon when I made a payment plan XXXX. Consideration for updating how this account is reported to the credit bureaus, ideally to a more favorable status XXXX. A review of the creditors handling of the autopay agreement and lack of notification I am committed to resolving this account and moving forward responsibly, and I would appreciate a fair resolution given the circumstances.

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 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
These student loan accounts were approved for dispute and removed from my credit back in march. Some how they have appeared back on my credit and I would like to get them removed.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report recently. I have already made several attempts to resolve this matter directly with your company, yet you continue to violate my rights. Because of these violations, I am entitled to {$1000.00} per violation under federal law. At this moment they either compensate me for the damages they have caused or permanently remove these inaccurate accounts from my credit report right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, I made my monthly payment and the funds were withdrawn from my bank account. However, the company failed to update their system and treated the account as unpaid, charging me again along with late fees. On XX/XX/XXXX, I requested cancellation of my membership before any further charges should have been applied, but this request was not processed and additional fees were added. I contacted the company to resolve the issue, but it was not corrected. I then disputed the charge with my bank and received a refund. Despite this, the company continues to claim I owe the balance and additional fees, which is incorrect and caused by their error. I am requesting correction of my account, removal of all invalid charges, and confirmation that my membership is canceled effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding a denied fraud claim involving a XXXX transaction on my account with Bank of America. On XX/XX/year> I was the victim of a scam and was deceived into sending {$2000.00} through XXXX under false pretenses. The transaction was not a legitimate or intended payment, rather rather the result of fraudulent misrepresentation. I reported the incident promptly to Bank of America on XX/XX/year>, and the claim was initially acknowledged and treated as a fraud/scam case. I was also informed that the receiving account had been flagged and the receiving bank was notified. Despite this, my claim was later denied. I am requesting a detailed explanation of the denial and a full reconsideration of my case. As a consumer, I acted quickly and in good faith after realizing I had been scammed. I believe I was not adequately protected from fraudulent activity, and am requesting that Bank of America review this matter again and issue reimbursement for the {$2000.00} loss. I am prepared to provide supporting documentation, including evidence of the scam and communications with the fraudulent party.

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 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I have federal student loans serviced by Aidvantage ( formerly XXXX XXXX ) originating from XXXXXXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) . I am reporting XXXX serious violations : XXXX YEARS OF MISSING TRANSACTION HISTORY : My Aidvantage account transaction history shows disbursements in XXXX and then NO records whatsoever from XXXX through XX/XX/XXXX. XXXX confirms these loans were serviced by XXXX XXXX ( XXXX ) from XX/XX/XXXX through XX/XX/XXXX. My federal XXXX data documents extensive forbearance cycling and {$9400.00} in capitalized interest during that period none of which appears in Aidvantage 's records. A servicer collecting on debts it can not document is in violation of federal law. UNPROCESSED IDR APPLICATIONS : I submitted signed XXXX recertification applications on XX/XX/XXXX and XX/XX/XXXX. Both remain marked " Action Required '' on StudentAid.gov in XXXX never processed. Every forbearance period following these unprocessed applications was improper. IMPROPER FORBEARANCE : All XXXX Aidvantage-serviced loans are currently in forbearance. XXXX documents forbearance cycling beginning within 30 days of entering repayment in XXXX continuing through present with no sustained IDR enrollment documented. {$9400.00} IN CAPITALIZED INTEREST on XXXXXXXX XXXX loans documented in federal XXXX records resulting directly from improper forbearance placement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account has been assigned a delinquent status that does not match my payment history.

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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
My wife was scammed via XXXX messenger for XXXX banana tickets via chime. The lady wanted her to download charm to transfer the money once I realized that the tickets were fake. I reached out to the supposed lady selling the tickets and called her out after which immediately she deleted her XXXX, we tried to contact chime and stayed on the phone for an hour and a half and were transferred at least nine times and finally were told that since the receiving party had deleted their account and we could not request the money back from them that they couldnt do anything for us so essentially were out {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am writing to formally dispute a collection account currently reported by JeffersonCap under AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report on XX/XX/year>, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, as they failed to provide a mandatory dunning notice within five days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only one in my mentorship program to get denied for the XXXX XXXXXXXX startup loan. In the XXXX XXXX, under the standard set in XXXX XXXX XXXX XXXXXXXX XXXX, a collector must provide account-level documentation to verify a debt once it is disputed ; a mere computer printout is insufficient. Furthermore, per 15 U.S.C. 1692g ( b ), the collector is legally required to cease all collection activityincluding credit reportinguntil they provide legal verification. By continuing to report this unverified debt while I am in an active dispute, they are engaging in illegal " debt parking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PatientFi, Inc.
State: FL

Complaint narrative:
I financed approximately {$3000.00} through PatientFi for cosmetic services with XXXX XXXX. I began treatment and used part of the services. Due to scheduling conflicts, I contacted XXXX XXXX and was told over the phone that my contract would be extended until XXXX so I could complete my remaining sessions. When I later attempted to schedule my final session, I was informed that XXXX XXXX had been taken over by another company that is not honoring existing contracts. As a result, I am unable to receive the remaining services I paid for. At no point was I notified that XXXX XXXX was going out of business, being taken over, or that my contract would not be honored. Despite this, I am still being billed through PatientFi for services that were not provided. This constitutes services not rendered and a breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
on XX/XX/XXXX I Hope lottery charged multiple charges totally XXXX through XX/XX/XXXX. I did a claim with Wells Fargo about this and XXXX plus months later I received a letter on XX/XX/XXXX saying my claim is closed and the funds will be taking out of my account on XX/XX/XXXX. I called well Fargo and again tell them I play an online game with them one time and not again and I don't have the funds to cover this because I am in a hardship right now finally, and their response was you account will just be negative until it reaches positive.

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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CT

Complaint narrative:
Jefferson Capital Systems is reporting a collection account on my credit report with a balance of {$650.00}, claiming the original creditor is XXXX XXXX. However, this exact same XXXX XXXX debt is ALREADY appearing separately on my credit report as a XXXX XXXX XXXX Bank charge-off account that was charged off on XX/XX/XXXX and sold/transferred. The same underlying debt is being reported twice once as the original XXXX XXXX charge-off and again as a Jefferson Capital collection account opened XX/XX/XXXX. This is duplicate reporting of a single debt in violation of the Fair Credit Reporting Act. Additionally, the first delinquency date on this debt is XX/XX/XXXX, meaning Jefferson Capital opened this collection account nearly three years after the original delinquency, which raises serious concerns about re-aging of the debt. I have disputed this account and requested validation but Jefferson Capital has never provided proof that their collection account represents a legally distinct debt from the XXXX XXXX charge-off already on my report. This duplicate reporting is causing significant unwarranted damage to my credit score and affecting my ability to obtain credit and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cornerstone Holdings, Inc.
State: ND

Complaint narrative:
There was never any mail sent to my address regarding this collection. So therefore i think it is incorrect amount of debt. I was never shown papers of Original medical place allowing interest. I want my interest wiped out. Or the collection closed. And this debt was accumulated during when i went to XXXX so i had no way to fix with the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: NY

Complaint narrative:
b"I have several dates that I could show proof, I think I got a fraudulent card that was used as a skimmer, I would get charged multiple times for one product or one store that I haven't been at multiple times, I would get charged four times for one transaction, double charged for one transaction, unauthorized access from a browser, disputes were never handled correctly, I could go on and on. This company is called Cash App and now I am being investigated by XXXX. I don't even own an XXXX XXXX or XXXX XXXX or XXXX wallet or even use it. Somebody keeps signing on as a family user and sharing payments. I'd like to know what is going on, I requested a search for any kind of background financial information and there's an installment loan that I have no idea what is going on. Nobody can give me more information. It states it on my credit report and it's ruining my credit. Somebody has access to all my finances and my phone is set up like a payment processor. If somebody could please check this out for me I'd appreciate it my number is XXXX XXXX my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: GA

Complaint narrative:
I am submitting this formal complaint against Credit Control , LLC regarding their failure to properly validate an alleged debt, despite multiple written requests sent via certified mail. Over the past year, I have sent several debt validation requests to Credit Control , LLC. In these letters, I clearly requested specific documentation to verify the legitimacy of the alleged debt. However, instead of providing proper validation, the company has repeatedly responded only with generic invoices or billing statements, which do not meet the legal requirements for debt validation. Specifically, I requested the following : XXXX. A copy of the original contract or agreement bearing my signature that created the alleged obligation with the original creditor. XXXX. Documentation proving their legal authority to collect this debt, including a complete chain of assignment or sale from the original creditor to Credit Control , LLC. To date, none of this information has been provided. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, a debt collector is required to provide proper validation of a debt upon request. Simply sending invoices or account statements does not constitute sufficient validation.

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