vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: WV

Complaint narrative:
I am filing this complaint against XXXX and The Receivable Management Services LLC for systematic violations of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of an invalid, un-verifiable collection account ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as shown in image.png ). 1. Inaccuracy of the Underlying Debt : The original creditor, XXXX XXXX, accepted full payment for this {$130.00} balance directly from me at the time I purchased a new insurance policy. Because this payment was made directly to the original creditor, any temporary assignment or authority given to The Receivable Management Services LLC to collect or report this debt was legally revoked and terminated. 2. Violation of FCRA Section 611 ( 15 U.S.C. 1681i ) Failure to Conduct a Reasonable Reinvestigation : I previously submitted a formal dispute regarding this trade line. Under FCRA Section 611, XXXX has a strict statutory mandate to conduct a reasonable reinvestigation to determine the accuracy and verifiability of a disputed entry. Rather than conducting a proper investigation and recognizing that the collection agency has zero legal authority to report a debt it never collected, XXXX merely modified the status to 'PAID ' with a {$0.00} balance. This superficial change completely bypasses their duty of accuracy. 3. Violation of FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ) Failure to Assure Maximum Possible Accuracy : Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Allowing a third-party collection agency to continue damaging my credit profile with a historical trade line for a debt they did not successfully collectand no longer have a contract to manageis a clear violation of Section 607 ( b ). Because the debt was absorbed back by the original creditor via a new policy purchase, the collection agency is reporting an entirely unauthorized, invalid entry. It can not be verified as an active or legally outsourced collection.

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 2026-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/year>, I deposited a personal check for {$2500.00} through Ally Banks mobile deposit platform. Because the amount was significant and I wanted to ensure the funds had fully cleared before considering the matter resolved, I proactively contacted Ally Bank for confirmation. An Ally representative informed me that the funds were on hold until XX/XX/year>, and that once the hold expired the funds would be available in my account. I specifically expressed concern about whether the funds could later be returned or removed. In response, the Ally representative stated in writing, No worries, XXXX, the funds will not get return. Wanting additional confirmation, my wife contacted Ally Bank by phone on XX/XX/year>. She was again advised that the check had cleared and that the funds would not be removed from the account. Based on these repeated representations from Ally Bank, we reasonably believed the deposit had been fully processed and was no longer at risk of being reversed. Ally repeatedly assured us that there was no issue and that the funds would remain in the account. Relying on those assurances, we believed the matter was resolved and there was no remaining actions for us to take. On XX/XX/year>, Ally Bank removed the full {$2500.00} deposit from our account due to a stop payment initiated by the check writer. When we contacted Ally for an explanation, we were told that if we were concerned about the funds being reversed, we should have placed a hold on the money ourselves. This explanation directly contradicted the prior assurances we had received that the funds would not be returned. Afterward, both my wife and I separately requested records of our prior communications with Ally. Ally declined to provide transcripts or recordings of those interactions. My complaint is not simply that a stop payment occurred. My concern is that Ally Bank repeatedly represented that the funds had cleared and would not be removed, causing us to believe the transaction was final and delaying our ability to take action to protect ourselves when payment was ultimately revoked.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
They held a deposit check for minus in my account that happen in XXXX they are holding my deposit for 10 days. I feel like Im being punished for having a minus in my account back in XXXX and XXXX this is not a new check Im getting from the payer but they decided to hold this check Its a lame excuse and it shouldnt happen again. I will change banks if needed

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 2026-06-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I purchased a XXXX month CD online from Wells Fargo Bank. They are taking federal tax withholding out of my monthly interest. At no time did I authorize withholding nor did any of the forms have any questions showing XXXX XXXX withholding. I have contacted the executive complaint department numerous times ( e-mail and phone calls ). I also have visited the local branch office at XXXXXXXX XXXX XXXX XXXX XXXX XXXX My CD purchase was for {$210000.00}. They have withheld XXXX XXXX for XX/XX/XXXX {$140.00} and XX/XX/year> {$140.00} from my monthly interest. Again I have requested a copy of my online CD purchase which they said they can not send to me? Wells Fargo Case Number : XXXX Acct ending in : 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 2026-06-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding Wells Fargos handling of my debit card dispute involving a defective stove purchased from XXXX XXXX for approximately {$2500.00}. The stove was purchased in or around XX/XX/year>. Shortly after delivery and installation, I discovered that the stove was not functioning properly. I reported the problem as soon as I became aware of it and immediately began seeking assistance from the seller and service providers. In addition to the operational problems, the stove was scratched and damaged. Multiple service appointments were scheduled in an attempt to repair the appliance. During the repair process, I received conflicting information regarding parts availability and the status of the repairs. Despite repeated repair attempts, the stove remained defective and the issues were never fully resolved. I repeatedly requested that XXXX XXXX pick up the stove because it was defective and damaged. However, the stove was never retrieved. I have retained possession of the appliance only because the company failed to arrange for its removal. I disputed the charge with Wells Fargo using my debit card. One of the representatives I spoke with was XXXX. I explained that the stove was defective, damaged, and that the merchant had failed to resolve the problem despite numerous opportunities to do so. I also advised that I had requested pickup of the appliance. Despite these circumstances, Wells Fargo did not provide the relief I believe was warranted. The merchant has continued attempting to collect payment, and I am concerned that additional funds may be withdrawn even though the dispute remains unresolved and the stove remains defective. I am requesting that Wells Fargos handling of this dispute be reviewed and that appropriate action be taken to protect my rights as a consumer. I am also requesting assistance in preventing any further improper charges related to this transaction. I can provide supporting documentation, including photographs of the damage, emails and written communications with XXXX XXXX, records of service appointments, and records of my dispute with Wells Fargo. Requested Resolution : 1. Review of Wells Fargos handling of my debit card dispute. 2. Reversal of the disputed charge, if appropriate. 3. Prevention of any additional charges related to this transaction. 4. Pickup of the defective stove by the merchant. 5. Refund or other appropriate remedy for the defective and damaged appliance. Thank you for your attention to this matter.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am filing a formal complaint against Wells Fargo Bank regarding unfair and deceptive overdraft fees. On XX/XX/year>, I authorized a single transaction for {$140.00} with the merchant XXXXWells Fargo 's system processed this single customer authorization in a way that triggered XXXX separate {$35.00} overdraft fees, penalizing me a total of {$100.00} for XXXX purchase.I contacted customer support on XX/XX/year>, and spoke to a supervisor who refused a courtesy waiver, explicitly stating that the duplicate fees were because 'the merchant separated the transactions. 'Under the CFPB 's clear regulatory guidance on illegal 're-presentment ' and surprise overdraft junk fees, penalizing a consumer multiple times for the same transaction is considered an unfair and deceptive practice. The bank 's internal processing system, not the merchant, chooses to levy these penalties against my balance.

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 2026-06-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am holding the physical certificate for a 2-year Certificate of Deposit ( CD ) originally issued by XXXX XXXX XXXX in XXXX, MD, on XX/XX/year>, for an opening balance of {$3000.00}. According to the explicit contract terms on the certificate, the account was set to automatically renew for successive 2-year terms at the prevailing market interest rate. The original issuing bank was ultimately acquired by Truist Bank through a series of historical mergers. Because the funds have been untouched, I have attempted to locate and claim the balance from the successor bank. I called Truist customer service and visited a physical Truist branch. Branch staff confirmed that dormant funds are typically turned over to the state after 7 years of inactivity, but they were unable to locate any active record or history of this legacy ledger account in their internal systems. Following the branch 's guidance, I contacted the State of Maryland 's Unclaimed Property division to trace the asset. The state database shows no record of these funds ever being escheated or turned over by Truist or its predecessor institutions. Because the CD contract mandates automatic renewals and the funds were never legally turned over to the state as abandoned property, Truist Bank remains the custodian of this asset. Truist 's retail systems are currently failing to access or trace their internal legacy archives, leaving me entirely unable to access these deposited funds. I am requesting that Truist 's corporate research and accounting departments perform a historical ledger trace to locate the funds and provide the current balance.

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 2026-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/year>, Barclays restricted access to my savings account and disabled my online banking login. Since that date, I have been unable to access my account, view my balance, or withdraw my funds. When I call Barclays, the automated phone system states that I do not have an account, preventing me from reaching account-specific customer service or obtaining information about my account status. Because I can not log in, I am unable to verify the exact balance. However, I believe the account contains approximately {$420.00}. More than one month has passed, and Barclays has neither restored my access nor provided a clear explanation for the restriction. As a result, I have been denied access to my own funds for an unreasonable period of time. I am requesting that Barclays either immediately restore my online banking access so I can withdraw my funds, or promptly return the funds remaining in the account through an alternative method. I also request a written explanation regarding the reason for the restriction and the current status of the account.

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 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I was informed by Bank of America that a credit card was applied for in my name on XX/XX/year>. Bank of America has already cancelled the card.

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 2026-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion XXXX Equifax Things on my credit report is old and Idemtity theft and its been over 7yrs and plus the company sold my credit to another company without my permission 15 US CODE 1692c 15 US CODE 1692g 15 US CODE 1681e b )

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 2026-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/year>, fraudulent action on my savings account was discovered, reported and immediately reversed. I found additional fraud in progress today and alerted USAA but the imbecile I spoke with refused to block the outgoing funds, even after confirming the receiving merchant isnt anyone I do business with. He insisted this was a dispute and would be handled as a dispute. Less than 45 days ago, they got this right. Im incensed that they are behaving completely differently now. I demanded he put a manager on the phone. He refused. I am attaching screenshots of the fraudulent activity from both XX/XX/XXXX and today.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank froze the entire account shortly after the mobile deposit, Citibank have restricted access to the entire account rather than just the deposited funds, they can not provide answers. I deposited the mobile check on XX/XX/XXXX and it was supposed to be released on Tuesday, XX/XX/XXXX but come to find out that I dont have access to my account for my other funds. They froze my entire account on Tuesday, XX/XX/XXXX and they told me they cant give me any information until I receive a letter which is 7 to 10 days so in the meantime, this is a hardship for me because I cant access any of my funds from the frozen account. I cant pay my rent. I cant get any food so I am lost and Im struggling.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a Citibank customer for over 6 months i finally decided to switch my job payroll deposits from a prepaid card to my account well in the process of doing that my job gave me a paper check so i deposited it into my account. They then sent a email saying a hold would be placed which is fine. I go to go visit my child in the nicu and my card declines for gas when I had money in there not including the funds for the check they are holding. I call and they tell me my account is under review because I deposited a payroll check. So I ask why is all of my funds being held and they give me no explanation. Im a single mom and I have kids this is so wrong an unacceptable. Then I call back and they tell me my account is being closed. And I must wait for a check in the mail.

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 2026-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I am disputing an insurance debt that was referred to collections by XXXX XXXX XXXX. After leaving my employer in XX/XX/year>, my XXXX XXXX policy was changed from payroll deduction to direct monthly billing. Since that time, I have received inconsistent information regarding the amount allegedly owed and have not been provided a clear explanation of how the balance was calculated. The collection notice I received states a balance of {$400.00}. However, I have been quoted different amounts during communications regarding this account. Because of these inconsistencies, I dispute the accuracy of the balance and requested documentation showing all premiums charged, payments received, payroll deductions, credits, adjustments, and any other transactions used to calculate the amount claimed. On XX/XX/year>, I contacted XXXX XXXX regarding this matter. During that conversation, I was advised that the collection account was being reviewed and that Credit Collection Services would receive notification within 24 hours to reverse or withdraw the collection referral. I was further advised that this action would prevent the collection account from being reported to the credit bureaus. Despite this information, I have received a collection notice and still have not been provided a complete accounting of the alleged debt or a clear explanation of how the balance was calculated. I am requesting that XXXX XXXX provide a complete payment history and policy ledger showing how any balance was calculated. I am also requesting confirmation that the collection referral has been withdrawn and that no negative credit reporting will occur while the account is under review. My goal is to obtain an accurate accounting of the account and resolve any legitimate balance that may be owed. However, I believe the account should not be subject to collection activity until the amount has been properly verified and explained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 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: IL

Complaint narrative:
I am filing this complaint regarding an unauthorized account appearing on my consumer reports. I dispute the accuracy and validity of this account because I did not apply for, authorize, or consent to this account being opened or used in my name. The presence of this account has caused significant harm to my credit profile and has impacted my ability to access fair financial opportunities. I believe my personal identifying information was used without my permission, and I am requesting a complete investigation into how this account was created and reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and to have consumer reporting agencies conduct a reasonable reinvestigation of disputed information. I am requesting that the credit reporting agencies and the data furnisher : 1. Conduct a thorough investigation of this account. 2. Provide all records used to verify the account, including any signed applications, agreements, and identity verification documents. 3. Remove and permanently delete the account from all consumer reporting agencies if it can not be verified as accurate and legally attributable to me. 4. Correct any related derogatory information, late payments, collections, or balances associated with this unauthorized account. I further request that the company responsible for furnishing this information explain the permissible purpose for obtaining and using my consumer information and provide evidence supporting its authority to report this account. I respectfully request a prompt resolution, removal of the inaccurate account, and written confirmation of the actions taken to restore the accuracy of my consumer credit files. Thank you for your attention to this serious consumer matter.

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