vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was the victim to wire fraud on XX/XX/year>. Someone claiming to be from Bank of America, using their phone number, asked me to go through the wire transfer process to record an attempt fraudulent transfer for {$72000.00}. When I did so, I lost {$72000.00}. I immediately reported this to the police, the FTC, Bank of America, and also filed a XXXX complaint online with the FBI. My Police XXXX # with the XXXX Police Department is XXXX. The recipient bank account belongs to XXXX XXXX, Routing # XXXX, Account # XXXX, Address given was XXXX XXXX XXXX, XXXX, XXXX, XXXX. Special Agent XXXX XXXX of the XXXX FBI informed me that due to the amount involved, they initiated a XXXX XXXX XXXX XXXX request with the recipient bank account of the fraudulent wire transfer at XXXX XXXX. Bank of America asked me to submit a scam victim acknowledgment form, which I did. Since then, every time I call them to inquire about the status of my claim, all I am told is the status is 'pending recovery '. The will not tell me if there is money in the recipient bank account, how much money is in there, or whether XXXX XXXX actually placed a freeze on the recipient account as requested by Bank of America AND the FBI. I also get conflicting information from Bank of America regarding the timeline of how long complaints like this take to get resolved. On one occasion, I was told it would be 30 days. On another, I was told it would be 45 days, and upto 100 days on another phone call. I submitted an email on XX/XX/XXXX, requesting a status update in writing within 3 business days. It has now been longer than that and I have received no response. I am submitting the text of the email here, which is as follows, and was sent to XXXX, which is the address Bank of America provided me for any email correspondence regarding the matter. On XXXX XXXX XXXX at XXXX, XXXX wrote : Dear Bank of America XXXX XXXX XXXX, I am following up on the wire fraud recovery reference number XXXX, amount {$72000.00}. The FBI initiated XXXX on XX/XX/year>, and its been over 30 days since your initial communications with the recipient bank. To better understand progress and next steps, please provide the following by XX/XX/year> : 1. Exact date/time your XXXX XXXX request was sent to recipient XXXX XXXX. 2. Recipient banks most recent response ( e.g., funds frozen? Still in account? Withdrawal status? ). 4. Any barriers to recovery and your planned escalation. If no concrete resolution is imminent, please escalate to your senior recovery executive and confirm their direct contact. Thank you for your immediate attention. I appreciate your efforts and look forward to your detailed reply. Best regards, XXXX XXXX ( XXXX ) XXXX XXXX Complaint # 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 monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is attempting to collect and/or report a disputed medical debt in the amount of {$980.00} that they failed to properly validate. I sent a written dispute and requested full validation of the alleged debt, including itemized billing, insurance adjudication, proof of final patient responsibility, copies of billing statements sent to me, and documentation establishing XXXX legal authority and chain of ownership to collect the account. XXXX did not provide the requested validation. Instead, they sent limited documents that do not establish a legally enforceable debt and do not prove that I owe the amount they are attempting to collect. Most importantly, the documentation they provided contains a major contradiction. Their own records reflect a charge of {$980.00}, an adjustment of - {$980.00}, and a resulting provider balance of {$0.00}. Despite that, XXXX continues to attempt to collect and/or report a {$980.00} balance. They also failed to provide : proof of insurance adjudication, proof of a final post-insurance patient balance, proof that proper billing notices were sent to me, proof of lawful assignment or chain of ownership, and competent documentation establishing legal authority to collect the debt. Based on the records they provided, this account appears inaccurate, unsupported, and not legally validated. I am requesting that XXXX immediately cease collection activity and delete this account from all consumer reporting agencies. I am also concerned that medical billing and protected health information may have been disclosed and used in connection with this collection activity without clear lawful authority. I am requesting a full investigation and complete deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that YOU, the credit reporting agency to immediately block and permanently remove the fraudulent accounts that was added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint XXXX ). It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights. This fraudulent, inaccurate, and false information consists of Accounts : ( XXXX XXXX ACCT XXXX XXXX XXXX, OPENED : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
Opened this credit card ( carecredit ) for a big purchase of over {$6000.00} in XX/XX/2023. Promotion was Zero Interest for 24 months. No one explained or notified me about deferred Interest if not paid in full during active promotion. No one also notified me about my promotion ending as well. I was actively paying triple of the minimum payment since the start of the promotion trying to pay it off fast as possible. I only had roughly around 10 % left of principle of the original purchase and once the promotion ended, they slapped on all the interest. I was paying in good faith and did not even get notified that my promotion has ended. I also reached out to find a solution to this problem and no agent or manager wanted to help me with this situation. Now I am financially burdened by this trap. The synchrony bank ( carecredit ) have not done anything to help me out. They are just looking for desperate and eager people to sign away their life to them.

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 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio is calling my partner XXXX saying they are looking for myself. They said they are debt collectors calling on a debt from an apartment complex. They should not be calling XXXX and secondly they shouldnt be calling back to back and also calling him multiple days and multiple times after saying this wasnt XXXX. I called portfolio today and they did not see anything other debts that they should be calling about. I provided my social and phone number and even XXXX number. I requested they not contact him again and they said they wouldnt but they did call him again. I want to hold portfolio accountable for bad collection efforts and also calling when no debt is owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: AZ

Complaint narrative:
On XX/XX/XXXX I called my bank inquiring about a refund transaction that was sent from XXXX ( merchant ) on XX/XX/2026 in the amount of {$320.00}. The merchant claims that the transaction was completed XXXX. XXXX XXXXXXXX. XXXX XXXX claims that they received notice of an incomplete transaction made for {$320.00} due to an error in the expiration date of my debit card. I filed a claim with XXXX XXXX claim XXXX XXXXXXXX. I have spoken to both my bank and the merchant several times and nobody knows where my money went. This is not acceptable. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
XXXX : Request for Debt Validation To Whom It May Concern, I am writing to formally request validation of the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg. Please provide the following : - The name and address of the original creditor - The full account number associated with the alleged debt - An itemized statement showing all charges, fees, and payments - Documentation proving I am legally obligated to pay this debt - Proof that your agency is authorized to collect on this account If this is a medical debt, I also request verification that all disclosures of my information comply with the Health Insurance Portability and Accountability Act ( XXXX ). Until you provide proper validation, you must cease all collection activity and reporting to any credit reporting agencies. If this account is currently listed on my credit report, I request it be marked as disputed. If you are unable to provide the requested documentation, you must immediately remove this account from my credit file and cease collection efforts. I prefer all communication in writing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding an invalid debt of {$280.00} that has been placed with third-party collection agencies as a result of XXXX billing error and failure to properly close my account. On XX/XX/year>2025 I activated XXXX XXXX XXXX but canceled it within approximately XXXX ( XXXX ) days ( XX/XX/year>2025 ) due to service issues, specifically the inability to receive calls from loved ones in correctional institutions. This cancellation occurred within XXXX buyers remorse period. At the time of cancellation : I returned all applicable equipment I paid all required restocking and termination fees I explicitly requested that all services be fully disconnected I was assured that my account would be closed with a XXXX balance Despite this, I continued receiving bills. After repeated follow-ups, I was eventually informed that an XXXX XXXX line remained active, which I did not authorize to remain open and reasonably believed had been included in the full account cancellation. I made numerous attempts to resolve this issue directly with XXXX, including : Multiple calls to customer service Escalation to technical support with tickets created Being repeatedly told the matter would be resolved and that I would not owe anything On XX/XX/scrub>, 2025, I was explicitly told by a XXXX XXXX that I would not be responsible for any remaining balance and that the issue would be corrected. However, XXXX failed to take corrective action. Instead, this invalid balance was sent to collection agencies. I have since received notices from multiple debt collectors attempting to collect this amount. I have formally disputed this debt with the collection agencies and requested validation. As well as, submitted a dispute on my credit report. I have also disputed this matter directly with XXXX multiple times. Despite this, the debt continues to be treated as valid. Also I traded in a device to receive an account credit, and I was told I cant retrieve the device and would not receive any compensation. This affect me being able to recieve a trade-in credit with XXXXXX/XX/XXXXXXXX thus resulting in my bill being higher. This is not a legitimate debt. It is the result of XXXX failure to properly terminate all services after cancellation and failure to correct the error after being notified multiple times. I have documentation supporting my position, including : Proof of cancellation within XXXX days Receipts showing payment of all required fees Confirmation of account termination Records of communications where I was told I would not owe anything The continued attempt to collect this debt and any associated credit reporting is inaccurate and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have held a Chase XXXX Checking account for several years. From XX/XX/XXXX through XX/XX/XXXX, Chase charged me XXXX XXXX monthly service fees on XXXX separate occasions, totaling {$370.00}. I was never clearly informed that this account required a {$15000.00} minimum balance to waive the fee I had assumed it was a standard Total Checking account with a {$1500.00} minimum, which my balance has consistently exceeded. I only discovered the actual account type and fee structure when I called Chase customer service on XX/XX/XXXX, to dispute the recurring fees. At that time, the representative confirmed I was on XXXX Checking with a {$15000.00} minimum and helped me downgrade to Total Checking. However, the representative refunded only {$25.00} ( XXXX month ) and stated their system did not permit refunding the additional months, despite my request to refund all XXXX fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am a XXXX XXXX XXXX placed on XXXX XXXX for a XXXX from XX/XX/XXXX to XX/XX/XXXX, Citi closed my XXXX card on XX/XX/XXXX. After renewing my XXXX membership on XX/XX/XXXX, I requested the account reopening, though I do not have exact dates, this request was denied. On XX/XX/XXXX, Citi denied the reopening due to the account closure duration. On XX/XX/XXXX, I attempted to resolve the reporting impact, and on XX/XX/XXXX, SCRA adjustments were noted, but my credit utilization is still over 150 % do to account closure, causing loan denials and financial hardship.

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 2026-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have made multiple written requests to my private student loan servicer asking them to provide documentation of who legally owns my debt and the complete chain of assignment from the original lender. The servicer identifies the current lender only as 'Firstmark Serviced XXXX XXXX but has never provided the full legal name of the trust, trust formation documents, trustee identification, or the actual assignment agreement transferring ownership from the original lender. Despite making the same request multiple times, I received responses from at least XXXX different customer service representatives XXXX, XXXX, XXXX, XXXX, and XXXX each sending different documents while repeatedly marking my request as resolved. The documents provided were only the original promissory note, a partial payment history, and a servicing transfer notice. None of these establish who legally owns this debt today. Most significantly, in their written response dated XX/XX/year>, the servicer listed 'Chain of Title ' as an enclosure but no chain of title document was actually provided. Additionally, in their response dated XX/XX/year>, XXXX representative characterized my entire written request as simply asking for a transaction history and marked it resolved on that basis, which was a deliberate mischaracterization of my documented request. In their own correspondence dated XX/XX/year>, the servicer explicitly acknowledged their obligation under the Fair Credit Reporting Act to furnish accurate information to consumer reporting agencies. Despite this, they continue reporting this debt while being unable to produce documentation verifying the legal identity of the current creditor. I have formally disputed this in writing and requested it be added to my account file

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Married to my ex-husband, he stopped paying rent at a XX/XX/XXXX. XX/XX/XXXX filed a collection against him over XXXX years ago should have been dropped instead. It was bought out by Kimball and they have been harassing about collecting payment for something that shouldve been removed. They had agreed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I am disputing a XXXXday delinquency reported by Newrez-Shellpoint to XXXX dated XX/XX/year>. This account was related to an investment ( flip ) property that I sold. The closing of that sale was delayed, which caused a temporary payment gap. Prior to closing, Newrez-Shellpoint 's representatives verbally agreed to remove all derogatory notations upon full payoff of the loan at closing. The account was paid in full at closing. XXXX correctly reflects this account as paid and closed. However, XXXX continues to show a XXXXday delinquency, creating a material inconsistency across the credit bureaus. This inconsistency is directly harming my creditworthiness and is factually inaccurate given the payoff and the servicer 's agreement. Legal Basis for Dispute FCRA XXXX ( b ) : Newrez-Shellpoint has a duty to report accurate information to all bureaus. A XXXXday late on XXXX while XXXX shows the account as paid and closed is a direct contradiction reflecting inaccurate reporting. FCRA XXXX ( b ) : XXXX is required to maintain maximum possible accuracy. Retaining a XXXX-day delinquency that conflicts with another bureau 's accurate record fails this standard. FCRA XXXX : I am exercising my right to dispute this inaccurate entry and request a full reinvestigation. RESPA XXXX : Mortgage servicers must honor good-faith agreements made with borrowers and must accurately respond to account inquiries and disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Turnbull Law Group
State: SC

Complaint narrative:
I enrolled in a debt settlement program with Turnbull Law Group and made regular deposits totaling approximately {$5700.00} over the course of the program. Based on my account records, only about {$2000.00} of those funds were applied toward settling my debts, while a significantly larger portion was taken as fees. After reviewing my account ledger, I became concerned about the amount and timing of the fees charged. I requested a detailed written breakdown showing how each fee was calculated, which debt it corresponded to, when each settlement was finalized, and when each fee was applied. I made multiple requests for this information in writing. The company has not provided the requested breakdown and has repeatedly instructed me to call instead of responding by email. I am seeking a clear written explanation of all fees charged to my account and confirmation that they were assessed in accordance with my agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I received multiple letters from XXXX XXXX a debt collector threatening to sue me and garnish me. No one contacted for months now I receive a garnishment letter from my job.

Company response to consumer: Closed with explanation