vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My Navy Federal Credit Union account was compromised through an account takeover, resulting in unauthorized transactions that drained my account. I promptly reported the fraud. I was later informed that my funds would be returned and a provisional credit was applied. However, on the expected date of reimbursement, Navy Federal reversed the credit without adequate explanation and restricted my access to funds, leaving me unable to access money for basic living expenses. 
These transactions were not authorized by me, and I did not share my login credentials or provide permission to any third party. I am requesting written clarification for the reversal, the evidence relied upon, and reconsideration of my fraud claim in accordance with federal consumer protection laws. I am also requesting immediate escalation and full reimbursement of the unauthorized transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc
State: NC

Complaint narrative:
About one year ago a XXXX XXXX agent came to our home. We had an existing system which was old and ask for a quote and could they provide camera services and monitoring like XXXX  cameras and XXXX XXXX online with the old system. They said no. The service technican had a tablet and we ask would their be a charge for the service call and he said no and we ask for a receipt which he could not provide, he said we would receive an email. The email never came. Later a paper bill came in my name, XXXX XXXX from XXXX with a account created in my name not authorized by me. I was not home that day when they came and some forged my signature. I escalated the call to upper management and was told someone from XXXX would call me back. A manager called and said the account would be deleted and he apologized. Today XX/XX/year> I received a collection letter from Tate & Kirlin Associates , Inc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX and phone number XXXX. The collection letter has XXXX XXXX with a account number ending in XXXX reference number XXXX for a total due of {$680.00} cents. Not my account, never had an account or signed anything or created an account with them. The agent I called at Tate & Kirlin Assoc tried to read a disclosure to me on the phone stating I owe this debt when I told him it was fraud. I never signed a contract or verbally authorized anything in my name with XXXX XXXX. He refuse to listen and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This information needs to be removed immediately from my credit report its identity theft remove immediately I have no knowledge of these accounts. Due to identity theft concerns I am requesting that these accounts to be deleted from my credit profile due to XXXX  data breach

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: NY

Complaint narrative:
Improper Freezing for Fraud : If the bank freezes your account due to suspected fraud but then gives you the " run-around '' and doesn't let you prove your identity or resolve the issue reasonably quickly, you may have a claim.

Took over 30 days when they had the information, XXXX piece of paper noterized, within XXXX hours of asking for it on XX/XX/XXXX l, account frozen on the XXXX. Not unfrozen until the XXXX of XXXX and didnt notify me till thr XXXX. I incurred fees and hardship die to the messing around and it was not done it a timely fashion at all. Everyone bank person invovle, trust XXXX and thr bank my mother did her statement with has said this is unexceptable timeframe and are willing to testify for me if i need to sue. I already tried going through here once snd didnt get any consumer protection. More like letting the banks do whatever. It says reasonable tine and not causing hardship. key cause hardship snd didn't fix in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: OH

Complaint narrative:
I am a documented victim of identity theft. I submitted identity theft reports and supporting documentation to XXXX  and related parties regarding a fraudulent PatientFi Installment Contract allegedly opened on or around XX/XX/year> under XXXX XXXX XXXX. 

Despite receiving identity theft documentation, instead of blocking, deleting, and ceasing collection as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the account was transferred to another entity, Bounce AI , Inc. , which is now attempting to collect the same fraudulent debt. 

I did not open this account. 
I did not authorize this account. 
I did not benefit from this account. 

This conduct is a direct violation of federal law. Once a company receives an identity theft report, they are required to : Block the account from credit reporting Cease collection activity Not sell, transfer, or assign the debt Instead, the account was transferred to a new collector and collection efforts continue. 

Bounce AI, XXXX and XXXX XXXX XXXX are attempting to collect and/or report a debt they have been notified is the result of identity theft. This is willful noncompliance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: SC

Complaint narrative:
MIDLAND is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND 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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
NATIONAL CREDIT ADJUSTis falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I did a wire transfer then my XXXX XXXX intervened and my friend could not get the money back in XXXX, so she requested it to be sent it back to me. I called my bank and had them do a recall to get my money back. TD Bank eventually closed her account, we have talked to several people including the manager of her bank and he said that they would send my money back this week. I still have not received my XXXX. Its been in a account since XX/XX/XXXX. This has gotten way out of hand. 
I would appreciate some help and answers Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
I was charged with an electric bill that wasnt my responsibility

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: MS

Complaint narrative:
On XX/XX/XXXX, I initiated an IVR ACH bank transfer in the amount of {$4000.00} from my Way2Go ( GoProgram ) prepaid card, administered by Conduent, to my credit union. I used the correct routing number, but the deposit account number entered was incorrect due to the credit unions use of different internal account numbers for deposits. 

The {$4000.00} was never credited to my credit union account, and it was also never returned to my Way2Go account. My credit union has confirmed through account statements that no such deposit was received. Other ACH deposits posted successfully to my account before and after this date, confirming the account was active and capable of receiving ACH credits.

Since the transfer, I have opened multiple disputes with Way2Go/Conduent and submitted all requested documentation. Despite this, Conduent has not provided an ACH trace number, settlement or return information, written determination, or explanation of the final disposition of the funds. I have been repeatedly transferred between representatives without resolution. 

These funds originated as child support. I mailed a formal written demand to Conduent by USPS Certified Mail with Return Receipt Requested on XX/XX/XXXX, requesting an ACH trace and recovery or re-credit of the funds. 

I am seeking regulatory assistance to require Conduent to identify the location or disposition of the {$4000.00} and return or re-credit the funds if they can not show successful deposit to an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Formal Complaint Bank of America To : CFPB ( Consumer Financial Protection Bureau ) OCC ( Office of the Comptroller of the Currency ) Attorney General of NY / your state From : XXXX XXXX XXXX Phone : XXXX Email : XXXX Account Number : XXXX 1 Summary of the Problem Bank of America has been wrongfully withholding my legitimate salary deposits, using the following excuses : 1. Fraudulent checks that I immediately reported.

2. DEBIT ADJUSTMENT DUPLICATE ITEM reversals that incorrectly reduced my account balance.

3. False claims that I made debit card transactions with funds that never belonged to me.

The bank has been transferring me from supervisor to supervisor and hung up on me, evading responsibility and delaying the release of my funds.

2 Laws and Regulations Violated 1. Regulation E ( EFTA Electronic Fund Transfer Act ) Protects direct salary deposits.

The bank can not withdraw funds from my account to cover balances that do not belong to me.

2. Improper Setoff / Unauthorized Withholding Only legal if there is a real debt owed by the account holder. 
Here, it does not apply, because the funds were fraudulent and I have no obligation to cover them. 
3. Abusive Banking Practices / Consumer Deception Forcing me to dispute transactions that are not mine, or using my salary to cover internal bank errors, constitutes abuse and illegal banking practice.

4. Unauthorized Salary Withholding Taking direct salary deposits to cover balances or errors without a court order or the account holders authorization is illegal. 



3 Evidence Direct salary deposits : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Negative adjustments and reversals of fraudulent checks Records of calls, department transfers, and hang-ups Attempts to force me to dispute transactions that are not mine 4 Request / Relief Sought I demand that Bank of America : 1. Immediately release all of my salary deposits, separate from any disputed balances.

2. Provide written documentation explaining any alleged claim they have to withhold my funds.

3. Confirm in writing the case number and the name of the representative responsible for my account. 

If these actions are not taken immediately, I will proceed with further legal actions and submit formal complaints to all relevant regulatory authorities. 



Signature : XXXX XXXX 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 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
I have a loan with BRIDGECREST for a vehicle I had purchased at ; XXXX in XXXX, XXXX The day I purchased the vehicle was on XX/XX/XXXX during the Pandemic. Where unrest rates were high and there was a car shortage. But at the time I was a XXXX XXXX XXXX XXXX and needed a vehicle. I had agreed to buying the XXXXXXXX XXXX XXXX. Somewhere down the line in XXXX I had lost my job due to budget costs at the company I worked for. That made the car payments harder and harder to make. I had signed an extension with them. And its been a lot of hard times and I have been in contact and have been paying what I can. In recent events, I under stand the past due amounts are there. I have been making payments and arrangements as needed. My card was issued a transaction for a payment on XX/XX/XXXX of {$220.00} ; half the full monthly loan amount. ( amount to stop repossession ). A reversed payment amount was issued on XX/XX/XXXX. So I had made an arrangement to pay the amount declined for XX/XX/XXXX. I have an app that I can see updates on payments and make arrangements. Their system let me make an arrangement for that amount and my account had not said it was in repossession faze, only that I had to pay it tomorrow XX/XX/XXXX. Today XX/XX/XXXX they had came and repossessed my vehicle at XXXX. I had called BRIDGECREST before he left with the vehicle and they had declined to take payment despite me having an arrangement for tomorrow XX/XX/XXXX. On my side it doesnt show I will be getting repossessed, just about my past due amount and my payment arrangement. I feel deceived. I had employees tell me they do not offer refinancing options. The XXXX XXXX XXXX of this vehicle was XXXX in XXXX. They had financed me over XXXX and didnt offer any relief. I feel deceived when I had made arrangements with them and my app didnt have the repossession alert on it anymore. I was willing to pay them tomorrow XX/XX/XXXX I had seized any payments /or arrangements to BRIDGECREST, until further evaluation. I would like to add, the tow truck driver said he sees this all the time where the company will take payments or accept payment arrangements and tell the customer they are being worked with but will still sign out a repossession. I feel deceived and I know theres more who do. I feel the need to speak up. If I didnt work from home, I would of too a lot of repercussions, I could only imagine. When I thought me and the company were on the same page of arranging a payment of the declined amount as no further notices were received after making payment arrangements they still came a repossessed the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: HW Holding, Inc
State: SC

Complaint narrative:
On XX/XX/XXXX, I authorized Hunter Warfield to pursue a legal judgment against the debtor via their company portal. My explicit instructions were : " Approved. Ledger attached. There is no judgment already in place. '' On XX/XX/XXXX, a representative named XXXX confirmed receipt via email, stating : " I have forwarded it to our legal team for prompt review. '' Despite this written confirmation, Hunter Warfield failed to file the judgment. The firm has since admitted that due to their inaction, the Statute of Limitations has expired, rendering the debt time-barred and legally uncollectible. On XX/XX/XXXX, I sent a formal " Notice of Intent to Sue for Professional Negligence / Demand for Payment '' via certified mail to their office. Hunter Warfield has failed to respond to this formal notice. 

This failure to process a standard judgment requestleading to the total forfeiture of a {$9800.00} claimconstitutes professional negligence and a material breach of our service agreement. I am seeking accountability for the financial loss caused directly by the firm 's failure to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year> I used my Paypal Credit ( now Synchrony Bank Paypal Mastercard ) to make a purchase with the promotional offer of 24 months equal payments and no interest. My payment each month is {$180.00}. 
On XX/XX/year> I accidentally made a duplicate payment from my bank account : XXXX payments of {$180.00}. 
On XX/XX/year> I contacted Synchrony and they said they would refund XXXX payment in the form of a check. 
On my XX/XX/year> statement there were 3 purchases for {$180.00}, XXXX of which were refunded, accruing 30 % APR. I called Synchrony and was told my refunded payment was treated as a normal purchase accruing interest, and someone accidentally charged and refunded it 3 times, but that it is now just the 1 purchase.

Obviously a refunded payment is not a purchase that accrues interest and I was never told my refund would be treated that way ( or I would have told them to keep it. ) My {$180.00} agreed payment is now over {$600.00} and accruing interest.

I have called Synchrony 7 times and spoken to managers each time, and each time Im just told theyre working on it and they refuse to refund the interest from my prior statements.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited two cashiers checks totaling {$4400.00} into my Truist business account on XX/XX/XXXX. The checks were deposited in person at a Truist branch and were issued by Bank of America from my tenant as part of a legitimate rental transaction ( prorated rent and security deposit ).

Truist subsequently placed my account under a fraud review and has been holding the funds since XX/XX/XXXX. Truist has refused to provide any explanation for why the checks were deemed fraudulent, stating that the fraud determination is internal and can only be released via subpoena. 

Truist is requiring me to provide a letter from XXXX  XXXX XXXX on official letterhead confirming the cashiers checks were issued and will not be returned. XXXX  XXXX XXXX has stated that they do not provide such letters, especially to third parties, but has confirmed that the funds were debited from the issuing account and that they are willing to verify the issuance of the cashiers checks directly with Truist upon request. 

Truist has not provided a resolution timeline, continues to hold my funds indefinitely, and is placing the burden of inter-bank verification on me rather than conducting direct bank-to-bank confirmation. This has resulted in an unreasonable delay in access to my funds with no clear path to resolution. 

I am requesting that Truist either complete direct bank-to-bank verification with XXXX XXXX XXXX or release the funds, and provide a written resolution and timeline.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to formally dispute a debt that Capital One Auto claims I owe. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please note the following : I request a detailed verification of the debt, including the original creditor, the amount claimed, and any documents showing that I am legally obligated to pay this debt. 
I am requesting that all collection activities cease until the debt is properly validated. 
Any reporting of this debt to credit reporting agencies should also be suspended until proper validation is provided. 

I am also submitting a complaint with the CFPB because I have not received proper validation, and I believe this debt may be inaccurate or improperly reported. 

Attached are copies of any relevant documents for your reference. Please investigate this matter and respond promptly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation