vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I initiated a XXXX transfer from my personal joint XXXX XXXX account to my Capital One account in the approximate amount of USD XXXX. 
These funds correspond to educational financial aid received from FAFSA, properly deposited as an e-refund into my XXXX XXXX joint account, and intended exclusively to pay university expenses.

The transaction was successfully authorized and processed by XXXX XXXX. 
In addition, I received a confirmation request from Capital One to verify receipt of the funds, which I explicitly approved.

Despite this, as of XX/XX/XXXX, the full amount remains placed on hold in my Capital One account.

When I contacted Capital One customer service, I was informed that, for security reasons, the funds had to be retained because I should not be making XXXX transactions and because the amount was considered too high. 

I requested specific information regarding : The maximum XXXX transaction limits allegedly imposed by Capital One. 
The representative stated they did not know what the authorized limits were. 

The legal, regulatory, or contractual basis for retaining my funds. 
No written policy, legal citation, or formal justification was provided. 

The exact duration of the hold. 
I was advised that I must wait until after XX/XX/XXXX for an internal verification process to be completed. 

Given the urgency of my university payment obligations, I expressly requested that, if the funds could not be released, they be returned immediately to the originating XXXX XXXX account. 
This request was denied, and I was told that nothing could be done and that I must simply wait.

I acknowledge that banks may perform security and compliance reviews.

However, the following facts are relevant : The transaction was allowed by XXXX XXXX and by the XXXX system. 
Capital One requested and received explicit confirmation that the transfer was authorized.

The source of funds is legitimate, clear, and fully verifiable, as they originate from FAFSA.

No formal explanation, case number, or legal justification has been provided for a prolonged hold.

I consider it unreasonable and disproportionate for educational funds to be retained for nearly ten days without transparency, documentation, or the option of immediate return, particularly for an electronic XXXX transfer. 

I respectfully request that : Capital One promptly complete verification of the source of funds.

Capital One provide a formal, written explanation detailing the specific reason for the hold.

A formal case number be assigned to this matter.

The funds be immediately released or, alternatively, returned to the originating XXXX XXXX account. 

This situation has directly affected my ability to meet my university obligations and reflects a lack of transparency, proportionality, and reasonable handling of consumer funds.

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 was paid
Company: V and H Portfolio
State: OK

Complaint narrative:
I am submitting this complaint regarding a collection account reported by Vance & Huffman that has been paid in full, yet continues to appear on my credit report.

This account was fully satisfied and now carries a {$0.00} balance, however it remains on my credit report as a collection account. Continued reporting of this collection after payment is misleading and harmful, and does not accurately reflect my current credit obligation.

Under the Fair Credit Reporting Act ( FCRA ), information furnished to the credit bureaus must be accurate, complete, and not misleading. Reporting a paid collection without appropriate correction or removal unfairly penalizes my credit profile and does not represent my true financial standing. Additionally, many collection agenciesincluding Vance & Huffmanroutinely agree to remove collection accounts once paid, as continued reporting serves no legitimate purpose once the debt is resolved.

I am requesting that : Vance & Huffman remove this collection account entirely from all credit bureaus, or Provide written justification for why a paid collection must continue to be reported.

I have fulfilled my financial obligation in full and am requesting fair and accurate reporting.

Company response to consumer: Closed with explanation
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: U.S. BANCORP
State: MO

Complaint narrative:
I incurred multiple overdraft fees from recurring transactions due to a single missed transfer ( I was very very ill ). Funds were deposited immediately once discovered. I checked my account and only had like XXXX  dollars out of XXXX deposited because of XXXX stacked overdraft fees. Many of them in the same day or series of days. I called and was put on hold for thirty minutes. They said they would refund the charges. U.S. Bank refunded one overdraft fee but refused to refund the remaining fees, despite all fees occurring within the same overdraft period. I am requesting a refund of the remaining overdraft fees.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
I am filing a complaint regarding abusive and deceptive debt collection practices.

I received phone calls from individuals claiming to be private investigators regarding an alleged outstanding payday loan connected to CheckSmart that is more than ten years old. They claimed they were investigating a crime and mentioned court involvement. 
The callers threatened police involvement within 24 hours and contacted a family member with the same threats. They used blocked/private phone numbers, refused to leave voicemails, and instructed us to call a different number with a case number.

No written notice or validation of debt was ever provided. I believe this debt is time-barred under Missouri law .

These actions appear to violate the Fair Debt Collection Practices Act, including false threats of criminal prosecution, contacting third parties, and misrepresentation of legal authority. 
I am requesting that this matter be investigated and that all improper collection activity cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On Friday, XX/XX/year>, I went to the JPMorgan Chase Bank , N.A . branch located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX to open a basic checking account. Chase was offering a promotion of a {$300.00} bonus to open a Chase Total Checking account if certain conditions were satisfied within 90 days of opening the account. The coupon code was : XXXX XXXX XXXX XXXX. 

I met with XXXX XXXX, employee of this Chase branch in XXXX, WI. I provided XXXX XXXX my full name, address, social security number, driver 's license, and XXXX  credit card. Twenty minutes into the meeting, XXXX XXXX still had not asked for the coupon code. However, XXXX XXXX did spend the next fifteen minutes asking me questions about other assets, including existing checking and savings accounts, stocks, bonds, and real estate. 

I told XXXX XXXX that I only wanted to open a checking account and did not think he had to know any more information than what I had already given him to open a checking account. Regulation 31CFR 1020.220 seems to back me up on this statement. 

I asked XXXX XXXX to show me in writing that I am required to answer his questions about my other assets to open a checking account. He left the meeting to ask his Manager XXXX XXXX for such evidence. Seven muntes later, XXXX XXXX came back with the 28-page Deposit Agreement and Privacy Notice. I read the 28 pages and saw no such requirement of me to answer questions about my other assets to open a checking account. XXXX XXXX said, if I did not answer his questions about my other assets, then he would not approve opening a basic checking account for me.

My question to members of the Chase Executive Office : Do you tell all the older, retired veterans with honorable discharges and excellent credit ratings that they are not worthy of being approved for a Chase checking account unless they allow their privacy to be invaded? Or is it just me?

I will be sending this complaint to the Office of the Comptroller of the Currency, the Consumer Finance Protection Bureau, and the Wisconsin Department of Consumer Affairs.

Company response to consumer: Closed with explanation
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: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
I have had SoFi bank. Out of nowhere they restricted my account and say they are closing it. I have money in my account and have no access to it. I dont know what to do as I have bills due right now and am unable to access my money. It is a very bad situation for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

On XX/XX/year>, between the hours of XXXX and XXXX, I went into the branch listed above to deposit a client settlement check into the XXXX account. There were two ( 2 ) female cashiers at the counter and neither would deposit the check. I was wearing a XXXX t-shirt ( XXXX tourist type shirt ), flip flops, and basketball shorts. In short, I was not dressed like an attorney. Plus, I am a XXXX XXXX  male. I had my bank card, my XXXX  drivers license, and the check in my possession. I also had my XXXX XXXX XXXXXXXX in my possession. I even tried to speak to an actual banker instead of a teller and it was still a problem. 

While I was sitting in the lobby, I called another Truist Bank branch and told them what I was trying to do. The bankers did not understand why I was having difficulties and told me to come to their branch with the check. Once I arrived, two ( 2 ) different bankers looked at the exact same check and did not see a problem. They said that it was a law firm XXXX account is for and they deposited the check in less than five ( 5 ) minutes. At the XXXX branch, they required the client to personally be there just to make the deposit. The other branch found this to be not the proper protocol nor procedure. They also said the XXXX XXXX XXXX type firms never have their clients on-site and they always deposit their checks and the clients name are always on them. 

In short, just because Im a XXXX XXXX  does not give this branch the right to discriminate against me. I wont to file a complaint against the branch and both tellers.

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 — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: GA

Complaint narrative:
I am submitting this complaint regarding IQ Data XXXX, XXXX refusal to provide a basic correspondence address or email for an alleged debt, and their obstruction of my dispute rights. 
On [ XX/XX/2026 at XXXX ], I contacted IQ Data XXXX by phone ( I spoke to XXXX ) solely to request an email or mailing address to send written correspondence disputing an alleged debt they are reporting to all three credit bureaus. I did not request account details, payment information, or verification over the phone. 
The representative refused to provide any correspondence address unless I disclosed my Social Security number and additional identifying information over the phone. I declined to provide sensitive personal information verbally and explained that any identifying information would be included in my written correspondence. 
The representative became increasingly hostile, repeatedly demanded my Social Security number, refused to provide any public contact information, and ultimately terminated the call. 
IQ Data Internationals refusal to provide a correspondence method unless sensitive personal data is disclosed constitutes obstruction of my lawful right to dispute an alleged debt and appears designed to discourage or prevent written disputes. 

Why this is a problem ( legal/regulatory concerns ) As a consumer, I have the right under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act to dispute alleged debts and to submit correspondence without being required to disclose sensitive personal information verbally.

Debt collectors are required to accept disputes and correspondence and may not condition access to dispute channels on unnecessary disclosure of a Social Security number.

Additionally, IQ Data XXXX is actively reporting an increasing balance on a debt arising from a residential eviction judgment, which raises separate concerns regarding inaccurate reporting and unauthorized post-judgment balance increases. Their refusal to accept correspondence prevents me from exercising my rights to dispute these inaccuracies. 
I possess a screen recording documenting the phone call and the representatives refusal to provide correspondence information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
This student loan is being reported with inaccurate and incomplete information across my credit reports. The furnisher has failed to provide verifiable documentation supporting the accuracy of the account, including full payment history and current account status. This violates the Fair Credit Reporting Act and the obligation to conduct a reasonable investigation after notice of dispute. I previously disputed this account with the credit bureau and the inaccurate reporting remains. I am requesting immediate deletion of this account or full written verification of all reported data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
On Tuesday XXXX the XXXX XXXX  I was notified that my account had a temporary restriction that I needed to contact sofi I did so and they said they could not give me a explanation as to why my account was being closed. Now they are refusing me on XX/XX/year> to speak with a supervisor or anyone of high rank they are still not telling me why my account is being closed and refuse to let me move all my money. I have the right to know why my accounts being closed and I have a right to my money. I aint done anything wrong. I want this figured out now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint regarding an inaccurate and unverified collection account being reported on my credit report by XXXX XXXX XXXX, with XXXX XXXX listed as the original creditor. I have repeatedly disputed this account with the credit bureaus and formally requested debt validation. Despite these requests, neither XXXX XXXX XXXX nor XXXX XXXX has provided proper validation of this alleged debt. Specifically, I have not been provided with : A signed contract or agreement with XXXX XXXX XXXX of ownership or assignment showing XXXX XXXX XXXX has legal authority to collect this debt A complete payment history or final billing statement supporting the amount claimed The account continues to be reported as a collection without sufficient verification, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that XXXX XXXX XXXX and XXXX XXXX either provide full legal validation of this debt or immediately remove this account from all consumer credit reporting agencies. This inaccurate reporting is causing ongoing harm to my credit profile.

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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a XXXX senior citizen and a 40-year Preferred customer of Bank of America . I am filing this complaint because Bank of America has spent the last 14 days obstructing my right to dispute an {$36000.00} construction fraud case.

Despite having forensic engineering reports and a formal manufacturer 's denial proving XXXX Renovations negligence, Bank of America 's staff has repeatedly provided me with misinformation. I was promised an upload link five separate times, only for those promises to be broken. They are now demanding I 'fax ' over 50 pages of high-resolution thermal XXXX imaging, which is technically impossible and would destroy the evidence quality. 

This stalling is causing me direct financial injury, as the contractor is using this window to threaten my home with foreclosure. I request that the CFPB compel Bank of America to provide a secure digital email channel immediately and assign an Executive Case Manager to this file.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
I have an auto Loan with XXXX. I have been calling in to make my monthly payments for a year. I have no online account until today. They have been charging me {$10.00} every month as a late fee, even though I ask every time I call if there are any penalties on my account and they say no. They told me my account has no penalties as long as I pay before the 30 days of due payment. I just found out I have been getting charged {$10.00} a month of late payments instead of paying towards my principal balance for over a year without any notice, even when asking representatives over the phone directly. The company claims it is in my contract yet they withdrew that information when asked directly on the phone, purposely misleading me. They also said well youre not paying extra because you minimal payment is still the same again trying to mislead me.

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: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Robinhood restricted my account and withheld my funds without timely notice, a clear explanation, or a reasonable timeline for return.

My account was restricted prior to XX/XX/year>, which prevented me from withdrawing or transferring my funds. I did not receive formal notice until XX/XX/year>, when Robinhood emailed me stating that it was closing my account due to unusual activity. That notice did not explain what the unusual activity was or identify any specific rule or agreement that had been violated. 

On XX/XX/year>, Robinhood sent a follow-up message stating that it was working with my bank to return the funds deposited into my account to their originating source. No timeline for the return of funds was provided at that time.

After the restriction, Robinhood disabled normal customer support options within the app, leaving only a one-way messaging system. I reached out through this system multiple times seeking clarification and a timeline for the return of my funds. 

On XX/XX/year>, after I initiated contact through the one-way messaging system, Robinhood Support responded in writing that returning my funds could take an average of 30 days and potentially up to 60 days, depending on the bank. I later received the same response again, without any additional explanation, detail, or progress update.

Before the restriction, transfers between my account and my bank typically took one to three business days. Since the restriction, my funds have remained inaccessible for an extended period, preventing me from using my own money or taking advantage of financial opportunities.

I am not disputing the companys decision to close the account. My concern is the prolonged and unexplained delay in returning my funds and the lack of meaningful communication or transparency during this process. I am requesting assistance to help ensure the timely return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to FAIR COLLECTIONS & OUTSOURCING, INC. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance.

By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect FAIR COLLECTIONS & OUTSOURCING, INC to provide complete validation.

To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to FAIR COLLECTIONS & OUTSOURCING , INC .

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