vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
Company : USAA Federal Savings Bank Since XX/XX/XXXX, I have repeatedly attempted to close all accounts with USAA. Despite weeks of calls and chats with multiple representatives, USAA continues to prevent me from closing my accounts while simultaneously threatening to terminate my business relationship for unspecified " conduct violations. '' Timeline of USAA 's Pattern of Obstruction : XX/XX/XXXX : USAA placed arbitrary holds on funds I transferred from an external accountmy own moneypreventing me from accessing it during the holiday season despite no fraud indicators or legitimate risk factors. 

XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : After deciding to terminate my relationship with USAA, I made repeated attempts via chat and phone to close all accounts. Each attempt failed. 

Ongoing : Every time I attempt to close my final account online, USAA 's system claims there are " pending transactions '' blocking closure. No pending transactions appear in my account history. When I contact representatives, they can not identify these phantom transactions. USAA 's own staff lack the system access or authority to resolve this issue they created. 

XX/XX/XXXX : USAA sent me a " Conduct does not meet USAA standards '' letter threatening account termination if I continue " unacceptable behavior. '' The letter does not specify what I said or did to trigger this threat, making it impossible to address their concerns. This vague intimidation tactic coincides exactly with what I've been requesting since XXXX : account closure. 

The Core Issue : USAA is preventing me from closing my own accounts using phantom " pending transactions '' their staff can not identify, while simultaneously threatening to close those same accounts for unspecified conduct violations. I am being held XXXX in a banking relationship I have clearly and repeatedly sought to terminate. 

What I Am Requesting : Immediate closure of all USAA accounts and return of all funds via check. USAA has had over six weeks to process a basic account closure. Their system dysfunction, staff limitations, and intimidation tactics do not override my legal right to terminate this banking relationship. 

If USAA claims I have violated their conduct standards, they should follow through on their threat and close the accounts I've been trying to close since XXXX. Their contradictory positionpreventing closure while threatening closureappears designed solely to maintain control rather than serve any legitimate business purpose.

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 — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
My credit reporting agency notified me of a credit check, and a new credit card opened in my name around XX/XX/year>. I filed a dispute on XX/XX/year> with XXXX This was for a Walmart card opened around. XXXX WALMART XXXX XXXX Report Number : XXXX. ~ {$1500.00} had been spent on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica
State: CA

Complaint narrative:
I have been a victim of identity theft. I reported this to the card company. At the time the police department where the crime took place was completing its investigations. I turned into the credit card company all the pertinent information including the police departments contact information and temporary police report number. The card company told me that I had to submit the complete investigation report from the police department, alone with any information regarding identity theft information. I sent all the information to them. Even with all the information and calling almost weekly for a status update. Each time I was told by different card associates that no one had open, looked at or reviewed the case with the complete information that they requested. The original crime on my account took place in XXXX when of XXXX. And as of todays date no one from that company has looked at or tried to resolve this matter. 
I firmly believe those fall under the guise of poor customer service, especially when dealing with people with XXXX. Yelling at your customers is not ideal, nor is making the victim to feel like it is their responsibility for being a victim of a crime. I also believe this a clear cut case of fraud mishandling. Inadequate investigation and resolution of fraudulent transactions, and victim blaming per my last encounter with the XXXX XXXX representative. 
I have never once been made to feel as if it was my fault for being a victim of identity theft, or trying to rectifying the problem as I have with this company. Its almost as if they enjoy allowing some of Americas most vulnerable individuals to be taken advantage and they simply do nothing about it. For a company that handles Americas direct deposit with disabilities/retirement accounts and has been sued for these same issues in the past. Its almost as if it would appear that not much, if anything has changed. 
And perhaps the decision makers at Treasury should consider looking at other more reliable, courteous, and on top of it company not willing or allow willing their customers to be defrauded. As this is not the first incident. ( XXXX XXXX XXXX ) ( CFPB V. Comerica ( XXXX XXXX ) )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: NE

Complaint narrative:
On XXXX XXXX XXXX. I recieved a call from a debt collection agency named Synergetic communication ( SYNCOM ). They dect collector stated they were calling on behalf of XXXX and told me I have a blance of {$160.00} owed from a transaction that took place on XX/XX/year>. I then contacted my bank at XXXXXXXX XXXX to verify the transaction and my bank verified that there is no transaction record for {$160.00} from XXXX from the date of XX/XX/scrub>XXXX XXXX I contacted an XXXX support associate at XXXX to validate if the XXXX XXXXXXXXwas successfully paid for. The accossiate and XXXX financial team were able to validate that the transaction was successful and XXXX actually owed me money from the transaction. XXXX XXXX XXXX XXXX XXXXXXXX ). At XXXX. I called the collections agency back and informed them that the debt was paid. I was provided an email of the collection agency to show proof that no balance is due from XXXX. The email that was provided is XXXX XXXX syncomcorpXXXX  Finally, I sent an email at XXXX. with XXXX attachments. One is proof of purchase receipt and the other attachment is an audio recording of the XXXX support associate and I validating the successful transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
name is XXXX XXXX XXXX XXXX. I am writing to formally report suspected identity theft, unauthorized financial activity, and compromised accounts involving my name, personal information, and financial history. 
I believe my CFPB profile, multiple email accounts, phone numbers, and financial records have been compromised. I have reason to believe that funds related to legal claims, refunds, or financial activity may have been redirected, intercepted, or accessed without my authorization. 
The email accounts associated with my identity that may be compromised include : XXXX XXXX XXXX XXXX XXXX XXXX I have experienced the following issues : Financial activity appearing in my name that I can not access or verify Indications of loans ( including housing and business-related inquiries ) associated with my identity, while I am repeatedly denied credit when applying myself Missing or unexplained funds that were previously reflected in complaints or account activity XXXX or deferred payment plans opened without my consent Account access disruptions across multiple devices and phone numbers During this time, I was experiencing extreme financial hardship. I was XXXX  last year, I am a widow, and I am the sole provider for my children. My oldest child is currently in college and struggling to meet basic needs. I also experienced my first XXXX XXXX crisis in adulthood during this period, with no prior history. 
I am requesting : A full review of all accounts, complaints, and financial activity associated with my name and identifying information Documentation of any funds issued, credited, transferred, or resolved in my name Identification of any third parties, aliases, or institutions that accessed or received funds connected to my identity Guidance on next steps to secure my accounts and prevent further unauthorized activity I am seeking clarity, documentation, and resolution. I am willing to cooperate fully and provide verification as required. My goal is to secure my identity, recover any funds that belong to me, and prevent further harm. 
Thank you for your time and attention to this matter. 
Sincerely, Please check higher up! Several government agencies has been pressuring me to open a XXXX  center in my community using my funds! I have been trying to open one for years using grants but power overseas lower class! I have been reporting this for 2 years now! My next step is go public XXXX 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: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: FL

Complaint narrative:
I am filing this complaint against Climb Credit regarding a private student loan I took out for the XXXX XXXX XXXX XXXX bootcamp. I am requesting a full discharge of my remaining balance based on deceptive marketing and lending practices, similar to those outlined in the CFPBs 2024 lawsuit ( XXXX XXXX. XXXX ). 

When I signed up for this loan, XXXX XXXX marketed the program as " XXXX XXXX '' and " Vetted '' for strong job placement results. I relied on these specific claims of a high Return on Investment ( ROI ) and the promise of employment after graduation to justify the debt. However, these claims proved to be deceptive. The program did not lead to the promised employment outcomes, and the vetting process Climb claimed to perform appears to have been based on unreliable data. 

Furthermore, the high monthly payments on this loan have become a significant financial hardship. Given that the CFPB has already identified that Climb Credit deceived students about these bootcamps, I believe this loan was originated under false pretenses and should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Zip Co US Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to place a XXXX order using Zip as the payment method. The order did not go through and no food was received. Despite the failed transaction, Zip processed a charge of {$12.00} and opened a payment plan for an order that never completed. 
I contacted Zip multiple times via phone and was told a refund would be issued within XXXX days and that the payment plan would be canceled. I did not receive any written confirmation, and the refund was not processed within the stated timeframe. The payment plan remains active. 
I was also advised to contact the merchant ( XXXX ), but I was unable to reach a live representative. I then contacted my financial institution and initiated a dispute. 
As of today, the charge has not been resolved, the payment plan has not been removed, and Zip has not provided documentation explaining why the charge was processed for a failed transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CO

Complaint narrative:
In XX/XX/XXXX, I deposited a valid check into my checking account. The funds were initially shown as partially available, then later reversed without notice, causing my account balance to become negative and disrupting access to my funds. The estimated availability date was changed without explanation. 

I contacted the bank multiple times to request an explanation for the reversal, the change in hold timing, and confirmation of the review under XXXX XXXX. I also requested a goodwill credit due to the impact of the banks handling of the deposit. 

Beginning in early XX/XX/XXXX, the matter was escalated to the banks XXXX XXXX and assigned a case XXXX. Since that time, I have repeatedly been told the issue is in review, but I have not been provided with any clear information about the review stage, who is responsible for approval, or when a decision will be made. 

I have responded promptly to all communications and have not been asked to provide any additional information. As of late XX/XX/XXXX, nearly XXXX months after the original deposit, I still have not received a resolution or a clear explanation of the delay, despite multiple follow-ups. 

I am requesting transparency regarding the status of the review, a final determination, and appropriate corrective action for the disruption caused by the banks handling of this deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: NV

Complaint narrative:
This morning I received a text message from a company called Halstead Financial with a PDF collection notice attached and link saying I owed XXXX on a personal loan. However, XXXX knows they sent this to XXXX XXXX  XXXX and now they are having a second company harassing me for this debt that I am already paying XXXX  each month for. Halstead Financial never sent me any written communication and was never authourized by me to receive a text. Secondly XXXX has no legal right to send my debt to multiple collection agencies at the same time to harass me. I think this was intentiomal and it appears XXXX has partnered with these two companies inorder to intimidate and harass consumers to pay off account sooner. In my call to Halstead Financial the man I was talking to appeared to have knowledge of this tactic. I think if the CFPB digs deep they will find these companies are all owned by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
* * Since I do not know the address or full scope on my complaint with XXXX XXXX, I will make Rushmore Servicing the responsible party since they hired XXXX XXXX. 
On XX/XX/year> at XXXX pm, a representative ( no credentials ) from Safeguard Properties Management ( hired by Rushmore Servicing XXXX entered my property, read my No Trespassing Sign, Do No Knock or Don't Ring Doorbell signs. She then knocked on my door and took a closeup picture of my door area where XXXX of the signs were. She backed away from the door down XXXX steps and took pictures again. It is my understanding pictures are only to be taken from XXXX XXXX, not right at my door. She proceeded down my driveway where she spoke with my neighbor and said, " Is someone still living here? '' " I'm here on behalf of the bank and we are just trying to make contact because we haven't been able to contact her. '' I believe this is a serious privacy violation under XXXX XXXX Florida law which I plan on pursuing. She disclosed a delicate matter with a third party that minimally caused me embarrassment. Secondly, she ignored my " No Trespassing Sign '' that is clearly posted and ignored the second sign to remind anyone that they are trespassing. She came onto my property, my porch with authority and entitlement. I plan on writing a certified letter to XXXX Properties. I reported this to Rushmore Servicing at XXXX on XX/XX/year> to confirm they ordered this inspection. They said they will report this to their operations management team and apologized. Rushmore Servicing has an obligation to protect my nonpublic information. I have multiple video footage of this event. See photo attachments of her reading my signs and taking pictures.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEMENT , INC. 
DEMAND FOR STRICT PROOF OF OWNERSHIP & CHAIN OF TITLE Midland Credit Management , Inc. ( Midland ) is attempting to collect and/or report an alleged debt it claims to own or service. Therefore, Midland must be able to demonstrate competent evidence of ownership and authority, including a complete chain of title from the original creditor to the current alleged owner. 

Additionally, Midland is in violation because the requested documentation was not provided within five ( 5 ) days as required under federal law. Midlands continued collection activity and/or credit reporting without timely providing the required documentation is improper and disputed.

I am requesting the following documentation : The Purchase Agreement / Forward Flow Agreement/ Assignment Contract showing transfer of the specific account ( not a generic bill of sale ). 

Bill of Sale and all assignments in the chain of title.

Schedule of Accounts / Account-Level Data proving this specific account was included in the sale ( redactions permitted only for unrelated consumer data ).

Proof that Midland is the current legal owner of the account and has the right to collect in its own name.

If Midland claims it is only a servicer/agent, then provide : the servicing agreement, and the written authorization from the current owner allowing Midland to collect and furnish credit reporting.

A complete accounting of the alleged balance, including principal, interest, fees, and the date each was added. 

The name and address of the original creditor, the date of default, and the date of charge-off, if applicable. 

If Midland can not provide the above documentation, then it lacks verified proof of ownership and/or authority and can not lawfully continue furnishing this account as verified and accurate.

Midland is also known for failing to appear and/or participate in arbitration proceedings. If arbitration becomes necessary in connection with this alleged account and Midland fails to comply with its obligations, I will exercise my rights and pursue all available remedies, including filing in federal court for breach of contract.

REQUESTED RESOLUTION If Midland can not fully substantiate the alleged account with the documentation requested above, I am requesting that Midland : Delete the tradeline from all consumer reporting agencies ; and Close the account and cease further collection activity ; and Provide written confirmation of the outcome. 

All rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
My bank account was closed by the bank itself- and I was never notified of why or when- I had to call them to be told they closed it. I asked why and hadnt ever been told a reason. I was hung up on twice and received unprofessional service when I went in for my remaining balance. Thats when I overheard that it was fraud. I investigated the matter and found out that authorized transactions are now being said they were not authorized by an individual, however I have proof that the person is lieing and Id like to address this. Not sure how.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was paying my bills through the CashApp mobile site and I noticed that my transaction was declined. I immediately went to my account and noticed that my funds had been depleted. I look up under my contacts and I noticed someone who I did not know. I blocked the account and contacted CashApp support. I explained that my account was depleted for the amount of {$740.00}. The support person told me that they would contact me regarding the outcome on XX/XX/year>. I contacted my bank and began the process of getting a new account and will be filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of a " tracking fraud '' scam. A high-value item ( XXXX XXXX XXXX XXXX XXXX ) was purportedly ordered and delivered. However, the documentation provided by the merchant is fraudulent for the following reasons : Invalid Tracking : The merchant provided a tracking number ( XXXX ) through an XXXX  XXXX ( XXXX ) that shows a delivery on XX/XX/XXXX. However, the XXXX systemthe actual last-mile carrier for my regionrecognizes this tracking number as invalid or non-existent in their system. 

I have attempted to resolve this through PayPal and Synchrony Bank. I have submitted the attached screenshots proving the tracking invalidity and the discrepancy in item descriptions. I have also sent this evidence via Certified Mail to Synchrony Bank. 
Desired Resolution : I am requesting that the [ Agency Name ] intervene to ensure Synchrony Bank/PayPal performs a proper investigation, acknowledges the fraudulent nature of the tracking information, and removes these unauthorized charges from my account immediately. 
Sincerely,

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