vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Complaint Against : Shellpoint Mortgage Servicing ( Newrez LLC ) Account Number : XXXX I am submitting a follow-up complaint regarding Shellpoint Mortgage Servicings response to my prior CFPB complaint. In their response, Shellpoint asserted that the credit reporting is accurate ; however, they failed to address the core issue that led to the delinquency. In prior written correspondence, Shellpoint acknowledged that I may not have received the required written servicing transfer notice due to an address issue. Because I did not receive this notice, I was unaware that my mortgage payments needed to be directed to Shellpoint following the transfer from XXXX XXXX on XX/XX/XXXX. As a result, the late payments reported for XXXX and XX/XX/XXXX were caused by a lack of proper notification, not by a failure or unwillingness to pay. Once I became aware of the issue, I immediately brought the account fully current. Shellpoints response focuses on the timing of payments and telephone outreach but does not resolve the fact that the delinquency resulted from a breakdown in the servicing transfer notification process, which they have acknowledged. Under the Fair Credit Reporting Act ( FCRA ), reporting must not only be technically accurate but must also fairly reflect the account history. In this case, reporting these payments as late without accounting for the lack of proper notice creates a misleading representation of my payment behavior. I am requesting that this matter be escalated for further review and that Shellpoint correct the credit reporting for XXXX and XX/XX/XXXX with all credit reporting agencies ( XXXX, XXXX, and XXXX ). I also request written confirmation once the corrections have been made. I have acted in good faith at all times and resolved the account immediately upon becoming aware of the issue. I respectfully request a fair and reasonable resolution.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Under FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the accuracy of information your company is reporting to the consumer reporting agencies regarding the following account : Account Name : Midland Credit Management Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information to a consumer reporting agency is prohibited from reporting information that is known to be inaccurate or that should be known to be inaccurate after reasonable investigation. I have reason to believe that the above-referenced account is being reported inaccurately and/or without proper verification. As such, I request that you : Conduct a reasonable investigation into the accuracy of this account. Provide documentation that verifies the validity of this debt, including but not limited to : Original creditor information Complete account history Signed agreement or contract bearing my signature Correct or delete any information that can not be properly verified or is found to be inaccurate. If your investigation can not substantiate the accuracy of this account, you are required under federal law to cease reporting this information to all consumer reporting agencies and request its deletion. Please note that continued reporting of unverified or inaccurate information may constitute a violation of the Fair Credit Reporting Act and may result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. I request that you provide written confirmation of your findings within XXXX days of receipt of this letter. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
This is a follow up to complaint # XXXX. I am providing additional information based on a recent call with Shellpoint Mortgage Servicing I am providing an update following additional communication with Shellpoint Mortgage Servicing. I contacted Shellpoint today to follow up on my new loss mitigation application and my previously submitted Notice of Error regarding the cancellation of my trial modification. During this call, I received conflicting and inconsistent explanations : One representative initially stated that FHA guidelines limit the number of modification attempts This was later contradicted and reframed as a discretionary risk decision by the servicer A supervisor then stated that no exception review would be permitted due to returned payments coded as NSF I explained that the failed payments were due to a payment setup issue involving an incorrect accountnot an inability or refusal to pay. Despite this, Shellpoint refused to consider the underlying cause and relied solely on the NSF code. Importantly, Shellpoint acknowledged that my Notice of Error is still under review by another department, meaning the issue has not yet been fully investigated. My concern is that Shellpoint is : Failing to properly investigate the root cause of the payment issue Relying on a generic return code rather than the underlying facts Providing inconsistent and potentially misleading information regarding eligibility and FHA guidelines I am requesting that Shellpoint : Complete a full and fair investigation of my Notice of Error Evaluate whether the trial modification was improperly canceled due to a servicing or setup issue Reconsider my eligibility for loss mitigation based on accurate information I believe I have been unfairly denied further assistance due to an issue that does not reflect my ability or willingness to make payments. I appreciate your review of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I deposited a check made out to cash. On the XXXX the money was taken from the issuers account. Initially there was a XXXX day hold on the deposit with a partial amount being available for the next day. Then on the morning of the XXXX a XXXX day hold was placed on the entire deposit with no funds available. The issuer of the check had the funds removed from their account and their bank completed the transaction. I cant get any information from my bank, they keep transferring me to an automated system that isnt helping me.

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: NM

Complaint narrative:
Today XX/XX/year> I received a text message addressed to my ex-husband attempting to collect a debt. I confronted him and he denied it. This is not my debt nor did he have my permission to use my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Im filing a complaint about inaccurate credit reporting on my student loan account with Nelnet following what appears to be a servicing issue. From XX/XX/XXXX through XX/XX/XXXX, I was on autopay and made all payments on time with no delinquencies. My account was in good standing during that entire period. In XX/XX/XXXX, there was a sudden change. On XX/XX/XXXX, an unexpected payment of {$1900.00} was withdrawn from my account. That payment was reversed on XX/XX/XXXX, and shortly after, my autopay was cancelled on XX/XX/XXXX. After this sequence, my account status changed and I began seeing delinquency reported, even though I continued making payments. I paid {$350.00} in XXXX, {$500.00} in XXXX, and since XX/XX/XXXX I have been paying {$1200.00} per month, which is more than my required payment. Despite this, my account has been reported as delinquent across multiple tradelines, and my credit score dropped significantly. I disputed this with XXXX, which resulted in some updates, but the late payments remain. I also submitted a dispute directly to Nelnet, and they confirmed my account is under review. From my perspective, the delinquency reporting started after the large withdrawal, reversal, and autopay cancellationnot because I stopped paying. I am requesting a full review of this situation and correction or removal of any inaccurate late payments so that my credit report reflects my actual payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

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 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Issue : Unable to Verify Loan Accuracy / Improper Loan Origination Concerns I am filing a complaint regarding my federal student loans currently serviced by Nelnet. I have an active Borrower Defense to Repayment application under review with the U.S. Department of Education related to my attendance at XXXX XXXX. My concern is that I am unable to verify the accuracy of my loan balance due to incomplete and inconsistent records. My loan history appears to be missing information, including the timing and application of XXXX XXXX eligibility, as well as the full accounting of loans issued. I believe that a portion of my loans may have been improperly originated before XXXX XXXX eligibility was properly determined. Additionally, I am currently unable to obtain academic transcripts or complete records from the school, which further prevents me from verifying my financial aid history. Despite these issues, my loan balance has grown significantly over time, and I am being held responsible for a debt that I can not fully validate. I am requesting that Nelnet conduct a thorough review of my account, provide complete and accurate records of my loan history, and ensure that any improperly originated or unsupported loan balances are addressed appropriately. I also request that my account be placed into administrative forbearance while my Borrower Defense application is under review. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
I received a call just around XXXX and the caller ID said NW Bank . They said that it was the fraud department and that there was an issue with a wire made on my business account. I began messaging my assistant to see if she had any wires going out this morning as they flagged two wires, but they stopped them ; so they were fraudulent but now safe. We had just signed up with XXXX XXXX XXXX for wires and there was a verification system in place. I stated that I never received any codes so I am not sure what they are talking about. We just signed up with this XXXX XXXX XXXX through NW Bank and our first wire was only on Monday XX/XX/year>. I logged into my NW account and nothing seemed off. The XXXX - XXXX XXXX said that they needed to disable my XXXX XXXXXXXX log in and needed me type my credentials into a secure link that she was going to send to my cell phone. I advised that I did not even know what the log in information was because I had just deleted from my phone thinking that is where the fraud happened so I had to go search for it in my assistants office with her help. I didn't get a link to my cell phone- which is a number they already had. The fraudsters had all of my information and they had already initiated the wires out of my account as i received the wire log showing the times initiated- i still never received any varication so they had somehow suppressed the verification process. She said not to log into the account as that would prolong the process!! I typed in the secure information and then went to court. I went to court at XXXX XXXX and within 9 minutes ( while I was away from my office ) I received SEVEN ( 7 ) wire transaction emails stating that the Wire activity was successful. My business funds were wired to XXXXXXXX XXXX XXXX XXXX whom i have reached out to without any success ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I call Northwest daily and they have no updates for me as to where my money is and that the other banks are not responding. They siphoned all of my business accounts to one account and took over {$250000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: TX

Complaint narrative:
XX/XX/year> and XX/XX/year> I reached out to bankofamerica in regards to an auto payment that I have sent on my credit card. It was showing 30 days late. I wasnt sure why I paid it immediately and called to get information originally they had updated my credit report showing that I wasnt late and then they changed it then they reported that I was late in XXXX in XXXX when I reached out to them again, they said that they werent sure what happened. Ive since then filed complaints and have screenshots showing where it showed that I wasnt late and then it shows that I was late on XXXX which I wasnt either. Ive had this credit card for over 15 years and have never been late some issue with their payment process. Its affecting my credit and I would like this corrected immediately.

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 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I am writing to formally dispute the charges being reported and pursued regarding a XXXX account that I already resolved when I moved out of my apartment in XX/XX/year>. At the time I left the apartment, I paid my outstanding XXXX balance in full. The charges now being demanded are for XXXX and XX/XX/year>, which are incorrect and do not belong to me. I have already raised this issue directly with XXXX and also followed up with Credence regarding these wrongful charges. Additionally, Credence attempted to charge my bank account. As a result of this issue, I have already closed my business account with XXXX XXXX. I immediately contacted Credence after noticing the attempted withdrawal. This is not my valid account balance, and I consider any attempt to collect these charges as inaccurate and potentially fraudulent. I request the following actions immediately : Cease all collection activity related to this disputed balance. Provide written verification of the alleged debt. Investigate and remove as account full paid XX/XX/year> Confirm in writing that no further unauthorized debit attempts will be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
My account with Truist Bank was frozen without a clear explanation. I was informed that my account and funds were placed under review by an analyst. This began approximately 6 weeks ago. Since then, I have contacted Truist multiple times requesting updates and a timeline, but I have only been told that my case is still under analyst review with no further details provided. The bank is currently holding my funds, and I have not been able to access my money during this entire period. No clear reason has been given for the freeze, and I have not been told what specific issue is being investigated or what actions are required from me. As of today, the issue remains unresolved and my funds are still unavailable.

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 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
They email everyday, XXXX or 3 times a day for the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 explanation
Consumer complaint received 2026-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Someone lost and stole my identity XX/XX/year>. The total damage of every cost is 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 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NV

Complaint narrative:
Around XXXX I tried to use my Cash APP and received a notice that the account was closed do to violating the Terms of Service. I contacted Cash APP to see what violations there was. Cash App will not provide me what violations I allegedly violated. I would like to know specifically what the terms of service I violated.

Company response to consumer: Closed with explanation