vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Had {$4100.00} balance from prior month on Bank of America card. Manual payment of {$3000.00} credited to account on XX/XX/XXXX. The full {$4100.00} was then deducted and credited to account on XX/XX/XXXX rather than the remaining balance owed for month. This leaves us with less than {$30.00} in bank and other bills to pay. Called on XX/XX/XXXX to get credit back to bank account for the {$3000.00} overage. Was told it would take 10 business days for review and approval but no way to do it quicker. Had them proceed. Called back to customer service about XXXX minutes later to see if a manager had ability to expedite. Manager said could normally put note on request but only when not approved ; original request already approved and claimed can not do anything to transfer money from their bank to mine. How is it my payments to them happen instantly but they don't have ability to rectify their mistakes with any speed? Now I face late fees and or overdrafts due to this error and nothing can be done about it.

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 monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE
State: NV

Complaint narrative:
I attempted to open a Schwab Investor Checking account online. During the account opening and funding process, I encountered multiple technical difficulties and friction points on Schwab 's platform and with their customer support organization. Despite these issues, I successfully funded the account with {$150.00} via ACH transfers from my XXXX XXXX XXXX checking account. After the {$100.00} and {$50.00} deposits landed, respectively totaling {$150.00}, Schwab locked me out of my account and informed me that I must visit a local branch in person and complete additional identity verification paperwork before I can access the account or my funds. The alternative they offered requires a notarized letter accompanied by copies of documents I do not have readily available. I have spent approximately XXXX hours on the phone with Schwab 's customer support attempting to resolve this, the majority of which was spent on hold or being transferred between agents, none of whom were able to truly help resolve the issues. I have requested that Schwab close the account and return my {$150.00} to the originating XXXX XXXX XXXX account. Schwab is refusing to return my funds unless I first complete their identity verification process. None of these requirements were disclosed during the account opening process. Schwab accepted my deposits through their own online system and is now holding my funds behind verification requirements imposed after the fact. I want the account closed and my {$150.00} returned to my XXXX XXXX XXXX checking account immediately. Desired resolution : Close the Schwab Investor Checking account and return the {$150.00} to my XXXX XXXX XXXX checking account via ACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SIMM Associates, Inc.
State: TX

Complaint narrative:
XX/XX/year> @ XXXX I called SIMM Associates Inc . I offered a counter offer to settle my amount owed. The gentleman that was helping me said that their client which is XXXX XXXX XXXX XXXX had given them a discounted settlement that they were willing to take and that it was the lowest. I asked if there was anything he could do and he told me I had to contact partners. So then I called partners and told them what SIMM associates had told me and the partners representative was livid and they lady helping me said that they ( XXXX XXXX XXXX XXXX ) owns that debt because it has been charged off. Then I called SIMM associates back and explained the situation with partners and the gentleman that answered said he would connect me with the associate that helped me the first time. I hadnt provided my name but I came to a conclusion that they knew who to connect me to based on my phone number. The associate at Simm associates asked me to call back tomorrow XX/XX/year> at XXXX because no managers were in. I dont think it is ethical for a debt to be charged off or closed and have the original creditor give an input on settlement amount with a third party debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion reports nine ( 9 ) 90-day delinquencies without corresponding 30-day or 60-day late payment progression beginning XX/XX/XXXX Equifax reflects 30-day and 60-day delinquencies prior to XXXX ( XXXX ) 90-day delinquencies beginning in XX/XX/XXXX ending in XX/XX/XXXX The timing and sequence of reported delinquencies differ across reporting agencies This creates a situation where the same account reflects conflicting payment histories depending on the reporting agency, which is not logically or mathematically consistent.The absence of this progression in one report, while present in another, demonstrates that the furnished data is inconsistent and unreliable.

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On or about XX/XX/year>, I was notified that a credit card account originally issued by XXXX XXXXXXXX XXXX, with a reported balance of approximately {$690.00}, had been sold to XXXX XXXX, XXXX and is being serviced by XXXX XXXX XXXX. Following this notification, I requested verification and documentation to confirm that XXXX XXXX has the legal authority to collect and report this debt, including proof of ownership, account history, and the accuracy of the balance being reported. To date, I have not received sufficient documentation to validate the debt. Despite this, the account continues to be reported on my consumer credit reports. I am concerned that the information being reported may be incomplete, inaccurate, or unverifiable. Under the Fair Credit Reporting Act, any entity furnishing information to consumer reporting agencies is required to ensure that such information is accurate and fully verifiable. Additionally, under the Fair Debt Collection Practices Act, a debt collector must be able to substantiate a debt upon request. At this time, XXXX XXXX continues to report this account without providing adequate verification, which raises concerns regarding compliance with federal law. I am requesting that XXXX XXXX and XXXX XXXX XXXX : 1. Provide complete validation of the debt, including documentation from the original creditor and proof of chain of ownership 2. Verify the accuracy of the amount being reported 3. If such verification can not be provided, immediately cease reporting this account and request deletion from all consumer reporting agencies This matter is negatively impacting my credit profile and is time-sensitive. I am requesting a prompt and thorough investigation and response.

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 2026-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX was paid {$500.00} for services rendered. Payment was issued under a payment plan and paid on XX/XX/year> @ {$160.00}, XX/XX/year> @ {$160.00}, XX/XX/year> @ {$160.00} from XXXX XXXXXXXX XXXX account this was paid directly to their systems through the bill they sent. Remex , Inc. is attempting 'collections ' on a non-existent debt that was already paid in full XXXX months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Group LLC
State: MA

Complaint narrative:
I am filing a complaint against Nationwide Recovery regarding a debt they are reporting on my credit file. I do not recognize this account and have requested validation of the debt. I formally requested documentation including the original creditor, account records, and proof that I am legally responsible for this debt. As of now, this information has not been properly provided. Despite this, the accou nt continues to be reported on my credit report, which is negatively impacting my credit score. Under the Fair Debt Collection Practices Act, a debt collector must provide proper validation of a debt upon request. If they can not validate the debt, they should not continue reporting or attempting to collect it. I am requesting that Nationwide Recovery either : Provide full and proper validation of this debt, or Remove this account from my credit report immediately. I prefer all communication in writing regarding this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XXXX a judgement was granted to XXXX XXXX in the amount of {$5000.00}. I was never notified of the debt or the court date until the judgement was granted. Once I learned of this my wife and I started paying the debt ( XXXX ). We submitted XXXX payments of {$500.00} and requested receipt of these payments. They refused to provide receipts of payment. Because of this we stopped paying. The court garnished wages until the debt was paid down to {$1200.00}. At that time we moved out of state. I called XXXX and XXXX XXXX ( the attorney for XXXX XXXX ) and told them we would pay the final {$260.00} if they would report our XXXX payments of {$500.00} to the court. They refused and since we had moved out of state they could not purse wage garnishment. We filed for a loan in XXXX of XXXX. This case was pulled up in XXXX and the loan is currently on hold because of it. I called XXXX and XXXX XXXX and asked, again, what we could do to close this case. They told us the case had been closed years ago and the case was no longer with them. They refused to give me more information or documented proof of this and instead told me to call XXXX XXXX I called XXXX XXXX They said they had no record of the judgement. XXXX XXXX sent me an email saying I didn't owe them anything but does not specify my account number or case number. The court will not close this case until they are directed to by the plaintif. The plaintif is being unresponsive to this request. I would like this debt closed with the XXXX XXXX XXXX in XXXX Indiana and I would like a letter saying it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I sent a request to this credit card company to to provide me a form XXXX form for this account. I have viewed my credit reports on ( XXXX XXXX XXXX XXXX ) and it shows that is credit card company is reporting this account as changed off account. A Changed Off - is when a creditor cancels or forgives a debt of {$600.00} or more and no longer believes a borrower will repay, several months of missed payments and writes off the unpaid debt as a loss. When this happens this is considered taxable income. Taxable income needed to be reported to the IRS. Not reporting Taxable Income can result in potential tax implications! I asked this credit card company to issue a form XXXX and they failed to provide it and ignored my request! I contacted the IRS and they informed me that no XXXX was issued but this credit card company is still reporting this account as changed off! This is considered fraud and I just wanted to be given my taxable document and for my credit report to be updated with the correct information!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
Credence Resource Management is attempting to collect a {$1200.00} debt originated by XXXX XXXX XXXX for a transport that occurred on XX/XX/XXXX. I was enrolled in Wisconsin XXXX ( XXXX ) on that date. XXXX was required to bill XXXX and is prohibited by federal law from billing XXXX patients directly or referring the account to collections. Additionally, Credence is illegally re-aging this debt. The transport occurred in XX/XX/XXXX but the account is being reported as opened XX/XX/XXXX, making a XXXX debt appear recent and causing maximum damage to my credit score. My score dropped XXXX points when this appeared on my XXXX report on XX/XX/XXXX. I have filed a dispute with XXXX and contacted Credence directly requesting debt validation and removal. This debt is invalid and should never have been sent to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
These issues indicate a failure to report information with maximum possible accuracy and to maintain consistent data across reporting agencies as required under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ).

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase denied a claim that I opened a fraud and never gave back XXXX the money that they took from me. It was just sitting in limbo and I had to call them three times in order for them to release the money they were holding onto my funds, just not letting anybody have

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
This is a new complaint based on NewRezs written response dated XX/XX/XXXX, which introduces a new issue : their refusal to report my mortgage to any credit bureau despite 19 years of ontime payments. NewRez claims they are prohibited from reporting because the mortgage was included in a XXXX XXXX bankruptcy discharged in XXXX, yet they did not cite any statute, regulation, XXXX XXXX guideline, CFPB rule, or bankruptcy court order that prohibits reporting a mortgage as included in bankruptcy with no personal liability. Millions of servicers report postbankruptcy mortgages accurately using standard XXXX XXXX coding, and NewRezs refusal is not based on law but on internal policy. Their refusal is causing significant harm by erasing nearly two decades of positive payment history. I am requesting that the CFPB require NewRez to provide the specific legal authority they are relying on to justify their refusal to report my mortgage, or otherwise require them to furnish accurate payment history coded appropriately for a discharged mortgage. If NewRez can not comply, I request that the CFPB require them to transfer servicing to a company that can report accurately.

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 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: SC

Complaint narrative:
They sent me and email that stated the contract was signed electronically. XXXX XXXX XXXX collection agency Zion Debt Holding

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 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
Supplemental information regarding claims # XXXX After filing our complaint with the Consumer Financial Protection Bureau , we were verbally informed by AmeriHome Mortgage Company that our loan modification application was denied. We have not received any written denial notice, though we were told it was drafted on XX/XX/year>. We requested the denial be emailed to us but were advised this was not allowed. We immediately submitted an appeal via email and are attempting to upload it through the borrower portal. We were advised the denial was due to unusable income, which is inconsistent with prior underwriting where this same income was reviewed and accepted to move forward. There is a consistent pattern of misinformation, mishandling, and failure to provide requested documentation, and we are not confident our application was fully reviewed. We request : ( 1 ) immediate written denial notice, ( 2 ) detailed explanation of the unusable income determination, ( 3 ) confirmation our full file was reviewed, ( 4 ) a complete re-review of our application, and ( 5 ) written confirmation that foreclosure activity remains on hold during the appeal.

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 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
In XXXX a judgement was granted to XXXX XXXX in the amount of {$5000.00}. I was never notified of the debt or the court date until the judgement was granted. Once I learned of this my wife and I started paying the debt ( XXXX ). We submitted 2 payments of {$500.00} and requested receipt of these payments. They refused to provide receipts of payment. Because of this we stopped paying. The court garnished wages until the debt was paid down to {$1200.00}. At that time we moved out of state. I called Blitt and Gains PC ( the attorney for XXXX XXXX ) and told them we would pay the final {$260.00} if they would report our 2 payments of {$500.00} to the court. They refused and since we had moved out of state they could not purse wage garnishment. We filed for a loan in XXXX of XXXX. This case was pulled up in XXXX and the loan is currently on hold because of it. I called Blitt and Gains PC and asked, again, what we could do to close this case. They told us the case had been closed years ago and the case was no longer with them. They refused to give me more information or documented proof of this and instead told me to call XXXX XXXX. I called XXXX XXXX. They said they had no record of the judgement. XXXX XXXX sent me an email saying I didn't owe them anything but does not specify my account number or case number. The court will not close this case until they are directed to by the plaintif. The plaintif is being unresponsive to this request. I would like this debt closed with the XXXX XXXX XXXX in XXXX Indiana and I would like a letter saying it is closed.

Company response to consumer: Closed with explanation