vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc.
State: NH

Complaint narrative:
Company : Credit Counsel , Inc . Person ( if asked ) : XXXX XXXX Complaint text : I am filing a complaint regarding improper and continued debt collection practices. I dispute this alleged debt and have clearly notified the collector in writing to cease all communication with me under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, I received a response from the collector after my cease communication request that continued to demand payment, accuse me of fraud, and pressure me to make a settlement offer by a specific deadline. This was not a limited communication to confirm cessation of contact or to notify me of specific legal action, but rather continued collection activity. Additionally, the collector has used aggressive and unprofessional language, including accusing me of intentionally defrauding their client without any legal determination, and using intimidating phrases such as govern yourself accordingly. In prior communication, the collector also included my full Social Security number in an email, which I believe is an inappropriate and unsafe handling of sensitive personal information. This conduct appears to violate the FDCPA, including : Continuing to communicate after a cease request Use of false or misleading representations Use of harassing or abusive language I am requesting that this company cease all communication with me and that their conduct be reviewed. STEP 2 Attach

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 2026-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
On XX/XX/year> I received an email from AmeriHome Mortgage stating that my mortgage is being transferred on XX/XX/year> to XXXX, powered by XXXX XXXX XXXX. I understand that by law, at least 15 days notification is required. I asked Amerihome and they have not gotten back to me as they said they would on the phone. I called them as I was worried, and frankly still am, that it is a scam. I can not call or get into the new companies website yet, so I am in limbo. What are the ramifications to Amerihome for not providing the notice within the legally required timeframe? How can I be sure that the transfer is legit? In addition, there was no information on whether I needed to inform my homeowner 's insurance company of the change or if I need to inform the Maryland government of the change. My taxes and insurance payments are NOT escrowed.

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 2026-04-02 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: CA

Complaint narrative:
I requested the purchase agreement & debit validation on this account to verify the amount and their right to collect on this debit.. but none was ever provided .I am exercising my rights under the FDCPA to request the following information : 1. Verification or proof of the alleged debt, including the original creditor 's name and address. 2. Documentation evidencing that the collection agency has legal authority to collect this debt. 3. A complete accounting of the alleged debt, including all charges, fees, and interest applied. I also request that you provide me with a copy of the agreement that authorizes the creditor to assign or sell the debt to the collection agency. Furthermore, please provide verification that the statute of limitations on this debt has not expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I owed about XXXX dollars and change and paid it in full but they are still reporting to my credit bureau that i owe about XXXX dollars but cant prove it at alll because that debt was been paid off and its affecting my credit and want it fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WV

Complaint narrative:
I called chime XXXX XXXX XX/XX/XXXX about my phone being stolen and I need to cancel my cards and the next down money was sent out my account that I didn't authorize at all and I filled dispute and they denied both of them after filling a police report i can send you my documents, its not letting upload them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Silverman Theologou, LLP
State: CA

Complaint narrative:
Silverman Theologou LLP ( a LAW FIRM ) COMPLETELY FAILED to respond to my debt validation request sent 30+ days ago, violating FDCPA 15 USC 1692g ( b ). As licensed attorneys, their willful violation is especially egregious and constitutes professional misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
Dear Spring Oaks Capital LLC I am writing regarding the alleged debt in the amount of {$600.00} that your company is reporting and/or attempting to collect. Pursuant to my rights under 15 U.S.C. 1681, I formally dispute the accuracy and validity of this account. The Fair Credit Reporting Act ( FCRA ) requires that any information furnished to consumer reporting agencies be accurate and verifiable. If you have reported this account to any credit reporting agency, you are required to conduct a reasonable investigation upon receiving notice of this dispute and to ensure that all information reported is complete and accurate. At this time, I request that you provide : 1 Documentation bearing my signature showing I have a contractual obligation to pay this debt. 2 A complete payment history, including how the alleged {$600.00} balance was calculated. 3 The name and address of the original creditor. 4 Proof that your company is authorized to collect on this account. 5 Verification that the debt has been accurately reported to all consumer reporting agencies. If you are unable to provide competent evidence that I am legally obligated to pay this amount, you must immediately cease reporting this account to any consumer reporting agency and request deletion of any negative tradelines associated with it. Please note that reporting inaccurate, incomplete, or unverifiable information to a consumer reporting agency may constitute a violation of the Fair Credit Reporting Act. I expect a timely response and written confirmation of your investigation results. All future communication regarding this matter must be in writing. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 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: IN

Complaint narrative:
I am disputing the late payment history and delinquency currently being reported on my credit profile, as it is inaccurate and damaging. These accounts should not reflect any late payments and must be updated to Paid as Agreed. The continued reporting of this incorrect information is unacceptable and must be corrected without delay.

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 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
With new court order removing the SAVE payment plan with Aidvantage there has been little to no communication regarding my options and my old plan. I originally was making payments monthly that were stop without my transgression. I can't access anything from the aidvantage website or contact them. This is a breach of contract and should qualify me for loan forgiveness because this is not what was agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

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 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Coinbase sent me an email informing me my account has been deleted due to suspicious activity. I have not used my coinbase account in a very long time. I would like to see if there is a balance on the account and if so I need to retrieve it. I have no interest in using their service anymore but I need to check my account before they can just decide I cant access it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMERICAN PORTIFOLIO MORTGAGE
State: MO

Complaint narrative:
This complaint concerns a construction loan and the lenders failure to provide documentation supporting disbursements and loan administration. Prior to closing, I was provided a breakdown of estimated project costs totaling approximately {$440000.00}, including specific items such as site preparation ( ~ {$160000.00} ), the home ( ~ {$240000.00} ), deck ( ~ {$10000.00} ), roof ( ~ {$23000.00} ), and a heat pump ( ~ {$3500.00} ). The loan closed at approximately {$440000.00} {$450000.00} ( based on documents provided ), with a construction draw schedule of 25 % initial, 50 % intermediate, and 25 % final. The first two draws ( approximately {$110000.00} and {$220000.00} ) have already been disbursed. After construction began, I observed that the project scope had changed. Certain items originally included ( such as the roof and heat pump ) are no longer reflected, and the cost of the deck appears to have been reduced ( to approximately {$6000.00} based on later documentation ). However, I have not been provided documentation showing how these changes were incorporated into the loan or how the associated funds were reallocated. I have repeatedly requested documentation from the lender to understand how funds were approved and disbursed, including : * Draw approval documentation and inspection reports used to justify each disbursement * A summary of all disbursements, including dates, amounts, and remaining balance * Clarification of the total loan amount and reconciliation of differing figures ( approximately {$440000.00} vs approximately {$450000.00} ) * Documentation showing how disbursements correspond to actual construction progress and the revised project scope The lender has not provided this information. Instead, they provided only general loan documents ( such as the Closing Disclosure and Construction Loan Agreement ), which describe the loan structure but do not explain how draws were approved or how funds were allocated. Additionally, the inspection documentation provided indicates that disbursement decisions may have been based on general site presence ( e.g., confirmation that the home was delivered ), rather than verified completion of work. Due to the lack of documentation and transparency, I am unable to verify that funds disbursed under the loan correspond to actual completed work or to the current scope of the project. I am seeking a full accounting of disbursements and documentation supporting how draws were approved and how funds were allocated relative to the project.

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 2026-04-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had Privacy Assist through Bank of America for probably 20 years. I get charged {$17.00} a month. Today, XX/XX/year>, I tried to cancel my account. The human I talked to kept asking for my landline from 20 years ago. I asked if there was any other way to identify myself. I gave my full name, she couldnt find me. I realized on a statement my name with the company has a hyphen. She was then able to locate my account. She said she could not cancel it because it originated as an offline account. She transferred me to the department that could help me and I was on hold for over an hour. I finally hung up and I am now filing a complaint. I want to cancel my Privacy Assist account, please.

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 2026-04-02 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: CO

Complaint narrative:
When I was out of the country in XXXX, I attempted to make my XX/XX/year> card payment with my phone. I called set up the payment, submitted the payment and was given a confirmation number. four days later I was notified that my payment did not go through because the information requested was to include my bank routing number, and my bank account number. When I followed up, I discovered that Chase Bank used my routing number for both the routing number, and my bank account number. That's why the payment was rejected. When I made the payment with the correct information ( after they sent a letter advising me about the issue ) it went though perfectly ; however in the period that it took to resolve the issue, the bank reported me late and refused to fix it! Had they sent me a text, or an email, maybe I could have avoided the late payment!! Instead they sent a letter which took way to long to arrive... I was insensed, and cancelled both of my Chase cards as a result. I will also add that I had a XXXX Score of XXXX, and have always had a perfect payment history until this debacle by Chase !!! I want this black mark removed from my three reporting agencies, because as a businessman ( XXXX XXXX ), it has tarnished my reputation for buying materials, etc. The impact is noticable. If I can't resolve this, I will take it to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
My name is XXXX XXXX and my dad 's name is XXXX XXXX. The company is using my dad 's information and placing it as my debt. The company has been forwarded the leasing agreement and is still being noted as my debt. I have disputed this with the credit bureau and it has been removed off of my credit report. My dad 's information is being intertwined with mine. There is also an address on my credit report that I have never lived at before. I currently reside in Georgia and my dad resides in Mississippi.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
An amount of {$1100.00} was wrongly reported on my credit report on XX/XX/2026 by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Thus is a wrong debt they are trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
Fraudulent charges of {$7000.00} and {$9000.00} were made to my XXXX XXXX Aadvantage Aviator Mastercard held by Barclays Bank while traveling internationally. I immediately disputed the charges when I received a text fraud notification the next day. I proceeded to close the account and order a new credit card. The compromised credit card remained in my possession until my return to the United States. On XX/XX/XXXX, Barclays denied the fraud claim and reinstated the charges. I reopened the case for a second time, affirming that the charges were not made by me. On XX/XX/XXXX, I learned that the claim was denied again. I proceeded to fax XXXX pages of supporting documentation to the Barclays XXXX XXXX department that day. On XX/XX/XXXX, Barclays claimed they had not received the documentation I faxed, even though I had a transmission verification report stating that it was received. I again faxed the XXXX pages including the initial transmission verification report that day. Today, XX/XX/XXXX, they claim to have received my fax and that they tried contacted me regarding my formal complaint. I have not received a phone call from them and only learned this information because I called myself. I have called and spoken to numerous fraud investigators, supervisors, and customer support representatives who have been unable to to give me any information including the contact information and relevant details of the merchant listed on the fraudulent charge. XXXX bank has acquired this Barclays XXXX XXXX credit card and my account will be transferred effective XX/XX/XXXX. I do not know if this fraud claim will be transferred as well. In good faith, I have followed all protocol by text and by phone for reporting the fraudulent charges immediately and on multiple occasions. I would like my credit cleared and the charges removed from my account.

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 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I recently was victim to an online scam where I was manipulated into sending money through Cash App to a scam site. It was through bitcoin. I contacted customer support at cash app and explained to them what happened and asked them to dispute the charges. The customer service lady said she could not because the transactions were already complete. I asked to speak to a XXXX and she told me managers are only available online and I can not speak to them on the phone. What company has no managers that aren't available to speak to? XXXX XXXX reached out to me via email as XXXX and asked me questions and said that she would send it to the team and investigate. I am submitting screenshots below. I have heard nothing from the team and followed up with her XXXX about it. She and the team have not yet responded and I am quite frustrated. I have also filed fraud claims with my bank and they are currently investigating. I lost over XXXX and I have also submitted reports to the XXXX and FBI. I need this to be resolved. Cash App is doing absolutely nothing and this is unacceptable. They have been victim of several scams and they need to own that or find a resolution or I will take legal action.

Company response to consumer: Closed with explanation