vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Issue : Ally Bank closed my account and has failed to return my funds. I am filing this complaint because Ally Bank closed my account approximately XXXX weeks ago and has failed to return my funds despite repeated assurances that the matter would be resolved. I ask the matter be escalated to executive customer relations or office of the president team and note in your CFPB complaint that no frontline representative has been able to locate the funds. Since the account closure, I have contacted Ally Bank customer service multiple times to determine the status of my funds. During these conversations, I was repeatedly told that my funds would be returned within XXXX business days. However, Its now XXXX weeks that have passed, and I still do not have access to my money. What is most concerning is that no representative has been able to tell me where my funds are currently being held, why the return of funds has been delayed, or when I can expect to receive them. I have received the same generic response during multiple contacts with customer service, but no one has been able to provide meaningful assistance or a clear resolution. As a consumer, I believe it is unreasonable for a financial institution to close an account, retain customer funds for an extended period, and fail to provide accurate information regarding the status of those funds. The lack of transparency and inability of customer service representatives to address this issue has caused significant frustration and financial inconvenience. Ally closed my account : XX/XX/year> Amount of money being held : {$400000.00} The number of times you've contacted Ally : XXXX Any case/reference numbers : Transaction reference # XXXX This was an ACH transfer I am requesting that Ally Bank : ~Immediately locate and release my funds back to the XXXX bank it came from. ~Explain why I was repeatedly informed that the funds would be returned within XXXX business days when that did not occur. ~Provide a specific date by which I will receive my funds. I have made multiple attempts to resolve this matter directly with Ally Bank and have not received a satisfactory response. I am requesting the CFPB 's assistance in obtaining a prompt resolution. Thank you, 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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I was scammed from my TD account to my cashapp and they refuse to dispute the charge for {$1500.00} The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. TD refused to get my money back from XXXX even though I expressed to them that I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: VA

Complaint narrative:
This house was mothers she has passed away, I need time for probate to get everything switched in my name. I have a way to pay the mortgage, when my mother first died my uncle tried to pay off the loan and they were not taking payment and refused payment. So my loan could of been paid off but they wouldn't accept any payments, so how can they for close

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am filing a complaint against National Credit Adjusters XXXX for illegal debt reporting and collection strategies regarding an alleged balance of {$310.00}. I have XXXX knowledge of this account, I do not owe it, and it is highly probable that my personal data was stolen and used fraudulently due to modern data breaches. As a California resident, I am protected under a strict legal framework that this agency is violating : XXXX. FDCPA XXXX XXXX. XXXX ( b ) : Unlawfully continuing collection efforts and reporting data without producing the original signed application or agreement showing my authorized signature. XXXX. California XXXX XXXX ( CA XXXX XXXX XXXX et seq. ) : Forbids unfair and deceptive collection tactics, enforcing compliance with federal debt standards across state borders. XXXX. California XXXX of XXXX XXXX XXXX : This account represents an expired, time-barred debt that is well past Californias XXXX written contract statute of limitations. XXXX. FCRA XXXX XXXX. XXXX ( b ) : Failing to fully investigate and remove inaccurate data that they have been informed is fraudulent or unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems XXXX for unlawful credit reporting and collection actions on an unverified alleged debt of {$530.00}. I have previously notified this agency that I have no record of this obligation, it is not mine, and I suspect identity fraud caused by extensive consumer data breaches. Because I am located in California, Jefferson Capital Systems must adhere to strict state and federal mandates, which they are currently violating : XXXX. FDCPA XXXX XXXX. XXXX ( b ) : Continuing to report and assert collection demands without validating the entry via an original signed physical contract. XXXX. California XXXX XXXX ( CA XXXX XXXX XXXX et seq. ) : Engaging in unfair, false, or deceptive methods to collect or report unverified debts within California. XXXX. California XXXX of XXXX XXXX XXXX : This claim is entirely time-barred as it falls beyond the state 's XXXX written contract statute of limitations. XXXX expired accounts as an actionable debt is unlawful. XXXX. FCRA XXXX XXXX. XXXX ( b ) : XXXX to furnish unverified, contested information to credit reporting agencies after being formally notified of the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
A Subject : Notice of Disputed Item / Request for Verification under FCRA XXXX Whom It XXXX Concern, I am reviewing my credit report XXXX noticed an inaccurate collection account. Under the Fair Credit Reporting Act ( FCRA ), I have the right XXXX dispute inaccurate or unverified information. Please verify the following account : Spring Oaks Capital LLC, original creditor XXXX XXXX Account Number : [ Account number not on report ] I dispute the validity of this debt XXXX the accuracy of this reporting. Please provide physical verification XXXX documentation proving this collection agency has the legal right XXXX collect this specific debt from me. If this account can not be fully verified with original documentation within XXXX XXXX, please delete this item from my credit file immediately as required by law. Thank you for your assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: CA

Complaint narrative:
I am filing this formal complaint against Midland Credit Management XXXX Inc. for statutory violations related XXXX an unverified alleged debt of {$630.00}. I have reached out XXXX dispute this entry because I do not owe this balance, it is not my account, XXXX it appears XXXX be a fraudulent opening linked XXXX modern data breaches. Midland Credit Management is operating in direct violation of the laws protecting me as a California consumer : FDCPA XXXX XXXX. XXXX ( b ) : Demanding payment XXXX furnishing automated report data without verifying the account using an original signed contract or application from the original XXXX XXXX XXXX ( CA XXXX XXXX XXXX et seq. ) : Outlaws deceptive collection methods XXXX applies strict federal FDCPA standards XXXX all entities attempting collection in California.California XXXX XXXX XXXX XXXX XXXX : This alleged debt is time-barred under the state 's XXXX statute of limitations on written contracts. Pursuing or reporting an expired debt as active is a direct violation. FCRA XXXX XXXX. XXXX ( b ) : Willfully continuing XXXX report inaccurate data after explicit notification of data exposure XXXX fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
This is my fourth attempt to remove an inaccurate utility collection account from my XXXX report Diversified Adjustment Service , Inc . I live permanently in Ohio. This utility debt originates from a physical property in XXXX that I have never owned, rented, lived at, or had any legal association with. A utility account requires a physical connection to a specific address, making it geographically impossible for this to be my debt. XXXX has willfully violated FCRA Section 1681e ( b ) by failing to maintain maximum possible accuracy and repeatedly rubber-stamping an automated 'verification ' without reviewing my geographic discrepancy. I am demanding an immediate manual deletion of this mixed file data. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I had brokerage account with XXXX XXXX they closed my account as of XX/XX/XXXX. I want XXXX know the reason for the closing. But they are not responding XXXX my emails, phone calls XXXX chat. Also they liquidated all my stocks XXXX option contracts as of XX/XX/XXXX. After liquidation balance was {$120000.00} ( XX/XX/XXXX ). But next day the balance dropped XXXX {$120000.00}. I need XXXX know the reason for the difference in balance. Please refer attached screenshots for the balance. So I need BBB 's help in knowing the balance XXXX why there is a discrepancy. After closing my account they sent an email asking XXXX transfer my IRA account XXXX other brokerage firm. So I did a transfer XXXX TradeUp XXXX week XXXX XXXX but the XXXX rejected my transfer. They only asked XXXX transfer XXXX other brokerage firm but they are not allowing the transfer. Please see the email sent from XXXX XXXX transfer IRA asset XXXX other brokerage firm XXXX the email received from TradeUp for transfer rejected from XXXX. Initially they promised if I transfer IRA from other brokerage firm to XXXX I will get XXXX % match as well as {$75.00} transfer fee which they didn't honor. This is the fake advertisement. I did a transfer from XXXX XXXX they charged me {$100.00} for outgoing IRA XXXX XXXX. Please see my account activity. Also they sent email after closing the account I should receive the fund in XXXX weeks. They closed in XX/XX/XXXX but still didn't receive the funds. They are using my money for their business. Last year I made {$280000.00} profit. Since they restricted my account beginning XXXX I am unable XXXX do trade and loosing $ XXXX week. Calculation based on last year XXXX return sent by them. So till now ( XX/XX/XXXX ) for XXXX weeks I lost {$27000.00}. This doesn't include liquidation loss. They are multiple lawsuits XXXX fines paid by XXXX XXXX XXXX. I don't want XXXX go in detail as we all know about their fraud business practice, all I need is XXXX resolve my account issues ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon XXXX I didn't sign an agreement on. A legal contract is signed by XXXX parties XXXX I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, XXXX entitled XXXX compensation for these violations XXXX clearly, they violated my rights XXXX abused my privileges. I demand this account be taken off immediately.

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 2026-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a former resident of Texas, currently residing permanently abroad. Bank of America closed my checking account XXXX issued an official Cashier 's Check for my remaining balance. Because I live overseas, no foreign financial institution is legally able or willing XXXX cash a XXXX Official Check. Furthermore, the check has now been expired ( stale-dated ) for over XXXX months. The funds are currently held in Bank of Americas internal clearing XXXX unclaimed accounts. I have contacted Bank of America customer service XXXX XXXX. I was told that my only option is XXXX physically visit a branch in the XXXX XXXX. This is a material XXXX financial impossibility for an international consumer. Bank of America is effectively holding my funds XXXX XXXX refusing XXXX provide a viable regulatory path XXXX return my property. Since my mobile application profile is still active for my credit card, the bank has the technical ability XXXX resolve this matter. Desired Resolution : I request that this complaint be escalated XXXX the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX and President. I demand that Bank of America : Formally void XXXX place a XXXX XXXX on the expired official check. Manually issue a Domestic Wire Transfer of the exact balance XXXX my XXXX XXXX account XXXX I will provide the specific account numbers, check number, XXXX routing information in the designated secure fields in the next step of this form. Holding a consumer 's funds indefinitely because they moved abroad violates federal fair banking practices. I look forward XXXX a prompt resolution from the XXXX team.

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have been a victim of identity theft XXXX I have already contacted the XXXX credit reporting agencies XXXX put a fraud alert on my credit file. I was a victim of data breach which was XXXX communications because I have services with them. All my emails, passwords, phone number, lending club account credit cards on file with XXXX XXXX were all compromised. I have been visiting a family member in XXXX, NM for months now. I am taking care of a family member due XXXX her health issues. At some point my information was used XXXX place XXXX unauthorized transactions on my account, and, Ally Bank is holding me responsible XXXX not resolving this when I have sent them everything that they have asked for. They need XXXX overlook this as soon as possible. I contacted XXXX XXXX confirm if they really were involved in a data breach and they confirmed they were. Please XXXX thank you.

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 2026-06-08 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I had used affirm after pay for a purchase XXXX SS Built for {$1900.00} on XX/XX/year>. My loan ID is : XXXX On their website they had claimed it would take XXXX weeks XXXX receive. It has been XXXX months - no product in hand. The owner of the company is continuously making false claims that the product will get delivered this week I am well past the affirm terms of disputing a charge due XXXX the owner of XXXX XXXX pushing back the delivery making it impossible XXXX even receive a refund. I have screenshot proof of the false promise for the owner as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The continued reporting of these inaccuracies is materially damaging my creditworthiness and has directly prevented me from qualifying for a mortgage. This constitutes harm caused by noncompliance with federal law. I demand that these accounts be fully investigated and, if not properly verified with a lawful permissible purpose, permanently deleted from my credit 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 explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I made multiple calls to the TD bank at their customer service hotline on XXXX and XXXX respectively but I was put on extremely long hold without the chance to speak to any live agents. I was also UNABLE to access the dispute a transaction function on the app or the website

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Aargon agency added 3 debts since the month of XX/XX/2026 to my XXXX credit report without informing me or telling me what I was owing. I have tried contacting them but always unsuccessful. I have not received any letters at all. I looked up the company and saw that they collect medical debt. If this is for XXXX XXXX, all the amounts are totally wrong.

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 2026-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: NY

Complaint narrative:
In 2024, I was recruited by a sales representative for XXXX ( formerly known as XXXX ), a XXXX XXXX company based in XXXX, Texas. The sales rep was a personal acquaintance, and he verbally promised me that the program included guaranteed job placement and that signing bonuses from employers would allow me to repay the loan quickly. Based on those verbal promises, I took out a private loan through XXXX to pay for the course. I completed the program in full. After completion, I was told to take an additional XXXX course to improve my job prospects which contradicted the original promise of direct placement. My application was then run through an AI job portal and I never received a job placement. I believe I was fraudulently induced into taking out this loan based on false verbal representations made by a sales representative. There are dozens of other students in the same situation with identical complaints, documented on XXXX and the XXXX XXXX XXXX. The company rebranded from XXXX to XXXX in 2024, appearing to distance itself from prior complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX at XXXX XXXX I received a call from Wells Fargo whom number has been saved in my contact for years. The person claim they were from the fraud department and wanted to asked if I were trying to do a wire transfer for {$1700.00}. Me assuming its the bank, the same exact phone number, number for number. The number is in the history detail of my personal calls to the bank. They claim the dark web went through my XXXX and needed me to enter some code from Wells Fargo, They stated that there was an accumulation of money owed me from the bank. Long story short I got scammed and I do take responsibility for my ignorance. I am angry at the bank because not one time did I receive any type of " security alert '' about my online account. My account is setup to alert me when there have been three ( 3 ) attempts to my account. When the fraudster locked me out my account, I had to keep trying to get in my account. More than three ( 3 ) attempts, NO Alerts! resetting my password. Out of frustration, not writing the password down, I have been back and fourth several resets of my password these last few days and not one time have I been locked out of my account nor have I received ANY SECURITY alerts from Wells Fargo even until this day. No alerts asking me am I signing in from another device, no alerts as too many attempts changing my password No Nothing from Wells Fargo.

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