vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schreiber Law LLC
State: CT

Complaint narrative:
I am filing this complaint because Schreiber Law , LLC has continued collection activity on an alleged XXXX account despite failing to provide proper validation under the Fair Debt Collection Practices Act ( FDCPA ). I disputed this alleged debt in writing on XX/XX/XXXX. I have certified proof that Schreiber Law received my dispute. Despite this, they later claimed they never heard from me, which is false. On XX/XX/XXXX, Schreiber Law sent me a packet containing nothing more than several months of billing statements. This does not constitute validation. They failed to provide : Proof of ownership of the alleged debt A complete chain of assignment A copy of any contract or agreement bearing my signature A full itemized accounting Proof they have the legal right to collect Any documentation linking me to the alleged account As stated in my letter : This account remains fully disputed. Billing statements do not establish ownership, assignment, or legal standing. Continuing collection activity without proper validation violates 15 U.S.C. 1692g ( b ). Additionally, XXXX sent me a packet of statements directly, even though I did not request them. This suggests Schreiber Law may have contacted XXXX and misrepresented that I requested these documents. Schreiber Law has continued collection activity despite a timely dispute and without providing required validation. Their conduct now constitutes harassment under federal and state law. I am requesting that the CFPB investigate Schreiber Laws practices, require them to cease collection activity until proper validation is provided, and ensure they correct any false statements made to creditors or third parties.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
This complaint is a continuation of my prior CFPB complaint against Truist ( XXXX XXXX ), which was closed on XX/XX/XXXX. New information has since emerged that requires Truist to conduct a further investigation. In the prior case, Truist stated that a deposit of {$1400.00} from XXXX did not post to my Truist account because the account was closed, and that the funds were returned to the originator on XX/XX/XXXX. Truist 's response did not identify where the funds went after that return. I subsequently filed a CFPB complaint against XXXX. XXXX responded that the {$1400.00} never posted to my XXXX account because that account was also closed on XX/XX/XXXX, that XXXX does not hold the funds, and directed me to contact Truist. XXXX provided trace number XXXX dated XX/XX/XXXX in their response. This trace number is dated four days after Truist 's stated return date of XX/XX/XXXX, and differs from the trace number on my XXXX statement for the original credit. This indicates a separate ACH transaction occurred on XX/XX/XXXX consistent with XXXX returning the funds back through the ACH network toward Truist after receiving Truist 's XX/XX/XXXX return. Both institutions have now stated in writing through CFPB that they do not hold the {$1400.00}. Under ACH network rules, funds can not disappear. The last documented movement of these funds was XX/XX/XXXX under trace number XXXX. Truist has not accounted for where the funds landed after that date. I am requesting that Truist use trace number XXXX to locate the {$1400.00} and either remit the funds to me or identify in writing the institution and account where the funds currently reside so I can pursue resolution there.

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Please see my screenshots. The bank gave me a deadline to get them what they need, I have reached out many times and left voicemails as well as emails. They fail to reply and I am afraid I am going to lose my check, since it will be not valid anymore.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: WA

Complaint narrative:
Company : Self Financial / Lead Bank Issue : Unauthorized secured credit card account / recurring fees/ disputed authorization I am filing a complaint regarding a secured credit card account reported by Self Financial / Lead Bank that I do not believe I knowingly authorized. My XXXX credit report currently shows a Lead Bank secured credit card account with a {$170.00} credit limit, reportedly opened on approximately XX/XX/XXXX. The account appears to be associated with Self Financial. The report reflects a scheduled payment amount of approximately {$25.00} and shows periodic activity/charges despite little or no apparent usage. I previously had a Self credit-building product years ago, but I never knowingly applied for, requested, accepted, activated, received, or used a Self/Lead Bank credit card. I never made purchases on this alleged credit card account. I never bought gasoline, groceries, or any other items with this card. I never knowingly approved a secured credit card product separate from the original credit-builder arrangement. I only became aware of the issue after noticing a direct debit from my bank account in XX/XX/XXXX, which I disputed. I am requesting : A complete investigation into how this credit card account was opened. A copy of the original application, consent, authorization, electronic acceptance, or agreement allegedly used to establish this account. Proof of how and when I allegedly applied for or accepted this credit card product. Records showing whether a physical card was issued, mailed, delivered, or activated, including the address used and method of activation. Complete account statements from account opening through closure/cancellation. A complete accounting of all annual fees, recurring fees, direct debits, and charges associated with this account. Refund of all improperly charged fees if valid authorization can not be demonstrated. Correction of any inaccurate credit reporting. Written confirmation that the account is closed and that no further debits or charges will occur. I am concerned that a financial product was opened, maintained, or charged without my informed knowledge or valid consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am filing a complaint regarding an improper charge from XXXX XXXX XXXX for internet services that I never used. Transaction/Service Dates : XX/XX/XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX to transfer my internet service to a new address. After learning more about the type of service available at the new location, I realized the broadband service offered would not work for my needs. I immediately contacted XXXX XXXX XXXX to cancel the service and specifically informed the representative that I could not use the broadband internet service being offered. Amount in Dispute : XXXX XXXX XXXX is attempting to charge me approximately {$210.00} for internet services that were never used, activated, or connected. What the Business Committed to Provide : XXXX XXXX XXXX was expected to provide internet service at my new address. However, the broadband service available at that location was not compatible with my needs, which I communicated to XXXX XXXX XXXX during the cancellation process. Nature of the Dispute : The service was never activated or used. I never connected the equipment, installed the equipment, or accessed the internet service at any time. Despite this, XXXX XXXX XXXX billed me for services that were never utilized and has now allowed the account to be placed into collections. I believe these charges are inaccurate, unfair, and misleading because the service was never operational in my home and XXXX XXXX XXXX was informed that the service would not work for my needs prior to any use of the service. Attempts to Resolve the Issue : I contacted XXXX XXXX XXXX directly and informed the representative that I could not use the broadband service and wanted the service canceled. Despite explaining that the equipment was never connected and the service was never used, the charges were not removed and the account was still sent to collections. Resolution Requested : Remove the approximately {$210.00} balance from my account ; Recall or remove the account from collections immediately ; Confirm that the account has been canceled with a XXXX balance ; Ensure that no negative information related to this account is reported to any credit reporting agencies. Attached is a copy of the bill from the service that we currently have because we were unable to utilize the XXXX XXXX XXXX services. I appreciate your assistance in resolving this matter fairly and promptly.

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 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing because I found some accounts on my credit report that I do not recognize. I did not open or authorize these accounts, so I believe this may be an error or something that needs to be reviewed. This is affecting my credit history, so I would appreciate it if you could investigate and remove any accounts that do not belong to me. I would also like my personal information to be updated, as I noticed incorrect names and addresses on my credit report.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am filing this complaint regarding Chimes handling of my disputed transaction in the amount of {$320.00}. Chime has closed my account XX/XX/year> a nd is refusing to return all my funds. This closure comes from a transaction transfer on a joint account. Chime made the decision to closed my account and only return some of the funds. The {$320.00} charge remains in question, as it was an authorization hold from XXXX XXXX that should have been released and not treated as a final charge. Despite providing this context, Chime has not provided a clear explanation or sufficient documentation supporting their decision to deny or release the funds. I spoke with a XXXX REPRESENTATIVE who said the funds were returned and need to be accounted for by the BANK. I have requesting a full explanation for the denial, including all evidence used in their investigation, such as transaction records and proof of authorization. Additionally, I requested that the dispute be reopened or escalated for further review under applicable consumer protection guidelines, including Regulation E protections for electronic fund transfers. They didnt respond via email and the person I spoke to on the phone stated they will not be releasing the money. At this time, Chimes decision to close my account and withhold the disputed amount has left me without a fair resolution. I am requesting that the matter be fully reviewed and that the {$320.00} be refunded if proper authorization can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I initiated a wire transfer from my American Express National Bank account on Thursday, XX/XX/year>, to send my own funds to my title company, XXXX XXXX XXXX, for the closing on my family 's home purchase. As of today, XX/XX/XXXX, the wire has not been completed, and American Express 's wire department has been impossible to reach. American Express provided a " direct line '' to its wire team that no one answers. Over the past six days, my title company has called this line at least 10 times and left more than 5 voicemails, I have called approximately 25 times, and my wife has called approximately 15 times - roughly 50 attempts in total, all going to voicemail with no callback. American Express told us they attempted to call the title company once on Friday and once today and that its voicemail box was full. This is my own money, ready to transfer, being held with no functioning way to resolve it. Because of the delay, we are now at risk of losing our mortgage rate lock and the closing on our home ( initial closing already fell through where I incurred change fees - movers, appliances etc ). The absence of any reachable, responsive contact for a time-sensitive wire transfer is unacceptable for a bank I have trusted for over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Company : USAA Product : Credit card Issue : Problem with credit card account / Other account issue Complaint : I am submitting a complaint regarding my secured credit card account with USAA, which has remained in secured status for approximately five years despite my continued responsible management of the account. I have maintained this account over an extended period and have continued using it in good standing. However, my concern is that USAA has not provided meaningful transparency regarding the process for graduating a secured card to an unsecured card. I have not been given a clear explanation of whether my account has been reviewed, what criteria are used for graduation decisions, or why my account has remained secured for such a lengthy period. As a consumer, I believe five years is an excessive amount of time to maintain a secured card without clear communication regarding eligibility requirements or account review outcomes. If graduation is not available or based on specific standards, those standards should be clearly communicated to customers. I am requesting : A formal review of my account for graduation eligibility Written clarification of the criteria used to determine secured card graduation Information on whether my account has been evaluated previously and the reasons it was not graduated if applicable Clear guidance regarding any actions required on my part to become eligible My concern is not only the failure to graduate the account, but also the lack of transparency surrounding the process and the inability to obtain clear information as a customer after maintaining the account for five years.

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
I apologize for having to create another case, but I received an email from another debt collector who XXXX has sold one of my accounts in question to - while they still havent responded to the CFPB regarding the most recent claim filed. There are differences between what they were trying to collect from me monetarily between XXXX and Halsted ( the new company ). XXXX had misclassfied the loan in my opinion and they removed this collection from at least one of my credit reports so that they could delete their tradeline in addition to LVNVs illegal behavior in my opinion regarding this collection. Quote about XXXX on new Email from Halsted about how they are taking over this debt collection process It is the policy of XXXX XXXX XXXX, the current creditor, to delete the tradeline upon satisfaction of an account that they have reported. Please note, this applies only to the tradeline reported by XXXX XXXX XXXX and will not affect the tradeline of the original creditor or any other third party. Halsted Finacial services includes this quote in several areas including the email and On the website when I attempted to Gather more info on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint against Capital One regarding account number XXXX for violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The issues are as follows : Failure to Provide Proper Debt Validation : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide consumers with specific validation information regarding an alleged debt. Capital One failed to provide me with any proper validation or required disclosures before reporting this account to consumer reporting agencies. Despite this, the account associated with account number XXXX was placed on my credit report, which I believe is a direct violation of federal law. Failure to Provide an Opportunity to Dispute the Debt : Pursuant to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given a reasonable opportunity to dispute a debt after receiving the required notice. I was never properly notified or given the opportunity to dispute this alleged debt before it was reported. Misleading Credit Reporting Practices : By reporting this account without first providing the legally required notices and validation, Capital One used deceptive and misleading practices in connection with debt collection in violation of 15 U.S.C. 1692e. Reporting the account in this manner falsely implies that the debt has been properly verified and legally enforceable. Improper Furnishing of Information to Credit Bureaus : Under 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), a debt collector may not furnish information to consumer reporting agencies without first providing the required notices and disclosures to the consumer. Capital One furnished this account to the credit bureaus without complying with those obligations. As a result, I am requesting a full investigation into this matter and the immediate removal of this account from all consumer reporting agencies due to the improper reporting and lack of compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am submitting this complaint regarding Portfolio Recovery Associates ( PRA ) and its affiliated servicing entity related to an account originally with XXXX XXXX. PRA has represented that it independently calculated the balance owed on this account. However, the documentation they have provided contains multiple inconsistencies and does not reconcile to a single verifiable amount. Additionally, PRA claims it provided validation documentation via certified mail. However, the XXXX documentation provided does not demonstrate delivery. The return receipt is incomplete, with no signature, no printed name, and no delivery date. The address listed is also incorrect. This documentation only shows that a mailing may have been initiated, not that it was properly delivered to me. As a result, I did not receive the materials PRA claims to have sent. Further, in response to my XX/XX/XXXX complaint, PRA provided the XX/XX/XXXXdocumentation that included a statement that was created on XX/XX/scrub> 2026, but my vehicle had already been repossessed on XX/XX/XXXX, 2026more than XXXX weeks prior. This raises concerns that significant collection activity occurred before I was provided any documentation to verify the debt. Additional issues include : - Conflicting totals for interest accrued since charge-off across PRAs own documents - Inconsistent reporting of non-interest charges - Inclusion of post-charge-off charges without explanation or contractual basis - Lack of a complete, transaction-level ledger - No clear explanation of how payments were applied between principal, interest, and fees Despite claiming to have independently calculated the balance, PRA has not provided sufficient information to allow the amount to be verified. To the extent PRA or any affiliated entity has furnished or continues to furnish information regarding this account to consumer reporting agencies, they are required to comply with the Fair Credit Reporting Act, including accurate reporting and reasonable investigation of disputed information. I am requesting that PRA : XXXX. Provide a complete and reconciled accounting of the debt sufficient for independent verification XXXX. Correct any inaccurate information furnished to consumer reporting agencies XXXX. Cease collection of any amounts that can not be substantiated with proper documentation This complaint is being submitted to ensure that the amount being collected and/or reported is accurate, verifiable, and compliant with applicable federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year> I charged an XXXX XXXX payment of {$180.00} to Bank of America credit card ending in XXXX. On XX/XX/year> this bank offered a custom pay plan dividing that payment into 3 payments of {$63.00}, but refused to refund total originally charged in a fraudulent attempt to double charge total, & refused my directive to cancel custom pay plan. This is why I directed closure of secured credit card with an order to refund my {$99.00} security collateral deposit.

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