vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I am filing this complaint regarding Ally Banks continued restriction and investigation on my account, which has now lasted for over XXXX month without any clear resolution or estimated completion date. The bank informed me that my account is under review/investigation, but despite multiple follow-ups, representatives continue to state that they can not provide any timeframe for when the review will be completed. This lack of communication and prolonged restriction has left me without access to my funds for an unreasonable amount of time. I urgently need access to this money, and the continued delay is causing serious financial hardship. I have cooperated fully and provided requested information, yet I am still unable to receive a clear explanation regarding : When the investigation will be completed Whether the account will be reopened or permanently closed How my remaining balance will be returned to me At this point, if the bank does not intend to reopen the account, I am requesting immediate release of my funds either by : Mailing me a check for the remaining balance, or Returning the funds to the original sender if that is the banks decision I can no longer continue waiting indefinitely without any timeline or access to my money. I respectfully request regulatory assistance in obtaining a clear resolution, release of funds, and written communication from the bank regarding the final outcome of this investigation. 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 2026-06-07 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: NY

Complaint narrative:
filing a formal complaint against Bank of America for violating my consumer rights under the Fair Credit Billing Act ( FCBA ) by improperly reversing a valid billing dispute. On [ Date of Charge ], I was wrongfully charged {$92.00} by XXXX XXXX for a fee/service that was completely unauthorized and incorrect. I promptly initiated a formal billing dispute with Bank of America to challenge this unauthorized charge. Recently, Bank of America notified me that they were reversing the dispute and placing the {$92.00} charge back onto my account. The explicit reason provided by their customer service team was that they closed the case because " XXXX XXXX closed down '' and ceased operations. I am disputing Bank of America 's actions based on the following federal consumer protections : The Charge is an Inherent Billing Error : The charge was never legitimate. A merchant entering bankruptcy or winding down operations does not retroactively validate an incorrect or unauthorized transaction. Violation of the Fair Credit Billing Act ( FCBA ) : Under the FCBA, Bank of America is required to conduct a reasonable investigation into billing errors and unauthorized charges. The issuer can not abdicate its statutory duty or pass the financial loss of a defunct merchant 's invalid billing onto the consumer. Card network rules specifically have chargeback mechanisms in place to handle merchant insolvency and billing errors ; the bank 's refusal to protect my account is an unfair and non-compliant practice. Because I followed all regulatory timelines to report this billing error, I request that the CFPB compel Bank of America to honor my consumer protections, re-evaluate this claim, and permanently reverse the inaccurate {$92.00} charge

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 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am filing a formal regulatory complaint against USAA Federal Savings Bank regarding systemic, predatory, and abusive check-holding practices driven by broken automated fraud XXXX am a XXXX loyal USAA member with XXXX XXXX of bad deposits. Recently, I deposited XXXX verified state-backed instruments from the XXXX of California : XXXX standard {$6100.00} payroll check on XX/XX/year> into checking and a {$14000.00} leave payout check on XX/XX/year> into savings. USAAs automated system instantly placed a sweeping hold on the full {$200000.00} balance. I escalated this directly to USAA 's XXXX Complaints team. Rather than correcting the automated error, performing manual routing verification with the XXXX of California, or issuing a partial release, a representative called me solely to justify the hold and shield their automated algorithm. I am fortunately secure enough to absorb a {$20000.00} freeze using my personal umbrella fund and credit cards, meaning no payments defaulted ( as of today XX/XX/year> it is still frozen ). However, this practice is a massive systemic risk. Had I been an average paycheck-to-paycheck consumer, USAAs refusal to manually review guaranteed state government payroll would have forced immediate housing defaults on my mortgage, auto payment failures, insurance payment failures, student loan payment failures, and severe credit ruin. USAA is operating an overtuned fraud model that actively ignores member tenure and safe routing headers, while their XXXX resolution path completely fails to advocate for consumers.

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 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a formal complaint against Bank of America for unfair and deceptive practices, failure to fulfill credit card promotional terms, and breaching an explicit verbal agreement made by their XXXX customer service team. I am the cardholder of a coXXXX XXXX XXXX credit card issued by Bank of America. Per the terms of my credit card agreement and ongoing account terms, I earned and was explicitly owed over {$550.00} worth of reward points which were contractually scheduled to post to my loyalty profile at the close of my billing cycle. Because XXXX XXXX ceased flight operations and entered a court-ordered liquidation, the points did not transfer smoothly. Recognizing this issue, I contacted Bank of Americas executive customer service line to protect my earned assets. On XX/XX/year>, a Bank of America XXXX customer service representative explicitly promised me on a recorded line that Bank of America would issue and honor these points directly to me. Despite this absolute verbal guarantee from a bank official, Bank of America reneged on their promise just a few days later, refusing to issue the points or their cash equivalent, citing the airline 's operational status. I am disputing Bank of Americas refusal to honor this agreement based on the following grounds : Breach of Express Verbal Agreement : A recorded verbal commitment from an executive-level representative acting on behalf of Bank of America constitutes a binding resolution to an account dispute. Bank of America can not make explicit guarantees to consumers to resolve a complaint and then retroactively retract them. Deceptive Practices & Earned Asset Retention : The reward points were earned via my credit card spending behavior under an agreement administered by Bank of America. The bank can not use a partner merchants liquidation to strip a consumer of rewards earned through verified credit card usage, especially after formally agreeing to fulfill them. I request that Bank of America review the recorded phone interaction from XX/XX/year>, honor the explicit promise made by their XXXX customer service team, and immediately credit my account with the missing points or provide a statement credit equivalent to the value of the promised rewards ( over {$550.00} ).

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 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: AZ

Complaint narrative:
I am disputing this alleged debt and request validation of the debt. I do not acknowledge responsibility for this account. Please provide documentation showing that I am legally obligated for this debt, including the original creditor, account information, and the amount claimed. Until validation is provided, I request that collection efforts cease. I also request that all future communications be made in writing.I have received repeated phone calls from this company regarding an alleged debt. I requested information about the account, but I have not been provided sufficient documentation proving I owe the debt. The calls continue and are causing disruption. I am requesting that the company provide proper debt validation and cease collection communications unless they can verify the debt and their authority to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: DE

Complaint narrative:
To Whom It May Concern : I am a survivor of XXXX XXXX and am requesting relief under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-3 ( FCRA 605C ), which provides protections for victims of trafficking and prohibits the furnishing of adverse information that resulted from trafficking. Pursuant to FCRA 605C and 12 CFR 1022.142, I request that the consumer reporting agencies block and remove all adverse information that resulted from my trafficking victimization. The negative accounts, collections, charge-offs, late payments, inquiries, and other derogatory items identified in my complaint were incurred during or as a direct result of the trafficking circumstances I experienced. During this period, I did not have normal control over my financial affairs and was subjected to conditions that substantially impaired my ability to manage, monitor, or protect my credit and financial accounts. I am providing documentation supporting my status as a XXXX XXXX and identifying the adverse items that resulted from the trafficking. Accordingly, I request : 1. The blocking of all adverse information resulting from trafficking pursuant to 15 U.S.C. 1681c-3 ; 2. Investigation of any furnishers that continue to report such information after receiving notice ; 3. Correction and deletion of all affected reporting from my consumer reports ; and 4. Written confirmation of the actions taken. The CFPB has made clear that survivors of human trafficking have the right to block adverse information resulting from trafficking and that consumer reporting agencies must comply with these requirements upon receipt of proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: MI

Complaint narrative:
My account with Cash App was deactivated and it states that I violated the terms of agreement. I had contacted cashapp for an appeal which was denied. Cash App also refused to inform me the terms that I allegedly violated. Prior to my account being deactivated, my account was compromised on XX/XX/29 and I had XXXX fraudulent transactions from individuals unbeknownst to me. I informed cash app support of the situation, as I could no longer access my account. Upon speaking with a significant number of support team members, l was informed to close and re-open a new account, reinstall the app to obtain its latest version and utilizing a different device. I also provided a copy of my ID for verification, in addition, to changing my password, pin number, and locking my card to assist with security measures. I further feel that several support members gave conflicting information, which resulted in being ambiguous when attempting to access my account and were definitely attributing factors in the deactivation of my account. I was further questioned about my use of my account, which was probably necessary to prohibit unlawful activities. I informed the support team that the only instance that I paid an individual over {$1000.00} was for reimbursement for funeral expenses. Any other loan transactions were less than {$200.00} for family members and I indicated that these transactions were " loans '' instead of gifts to avoid any disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management services has NEVER contacted me. I apparently, it had some line of credit with a company called net credit nan.Credit is reporting a charged off balance of {$2700.00} and NCB is reporting {$3700.00}. I have disputed this with both the original creditor and them as fraud. I have asked for proof of this debt through disputes with the credit bureaus.And it has never been provided. I asked for a copy of the id and assigned contract.Not the original.Of course.But at least the copy of it and the address connected to the original account. None of this has ever been provided by either them or the original creditor and i'm curious as to the mysterious additional {$1000.00}. Not only that, since I didn't even know about this.I was never given the proper opportunity to dispute before they placed it on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: RLB Texas Auto Center LLC
State: IN

Complaint narrative:
I paid my my vehicle off in XXXXXXXX XXXX XXXXn the amount of {$14000.00} I never received the title and when I called I never could get in contact with anyone about my title release.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian , Transunion and Equifax violated my rights as a consumer under 15 USC 1681C-2 and I need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove ; XXXX XXXX XXXX account XXXX date ; XXXX XXXX XXXX, The guarantors account XXXX date ; XXXX XXXX XXXX, Inquiries ; XXXX date ; XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
There is a XXXX account that appears on my credit report. This account does not belong to me, and I believe it is the result of identity theft. I have never applied for, opened, or received a payday loan through XXXX or any similar payday lending company. I recently reviewed my credit report on the XXXX of XXXX and was shocked to discover an account showing a balance of {$2200.00}. This is the first time I became aware of this account. Because I did not authorize this account, I request that any information related to this fraudulent account be removed from my credit report as it is ruining my credit and that I be provided with documentation regarding the removal of this account. I affirm that I am a victim of identity theft and that this debt is not mine. I shall also be updating the authorities and making a police report. Please update your records accordingly and notify all applicable credit reporting agencies of the disputed status of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
b'Experian,XXXX and XXXX violated my rights as a consumer under 15 USC 1681C-2 and I need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove; XXXX XXXX account XXXX date; XXXX XXXX XXXX XXXX XXXX account XXXX date; XXXX XXXX XXXX XXXX XXXX account XXXX dateXXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX date; XXXX XXXX XXXX account XXXX date; XXXX XXXX XXXX XXXX XXXX account XXXX date; XXXX XXXX XXXX XXXX account XXXX date; XXXX XXXX XXXX XXXX account XXXX date; XXXX XXXX XXXX XXXX account XXXX date; XXXX XXXX XXXX XXXX account XXXX date; XXXX XXXX XXXX Remove addresses; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove inquiries; XXXX date; XXXX XXXX XXXX XXXX XXXX date; XXXX XXXX XXXX XXXX XXXX date; XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Transunion Account name : CAINE & WEINER Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$440.00} XXXX reviewed my XXXX report on XX/XX/year>. I noticed that some information was incomplete and inaccurate. I've contacted the company regarding this matter, and the issue hasn't been addressed because the account is still reporting on my credit file. Please help, my rights are being violated. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt Including a signed agreement, full account history, and verification of your authority to collect, you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing a complaint against I.Q. Data XXXX XXXX XXXX regarding a collection account arising from a denied apartment rental application. On XX/XX/XXXX, I submitted a rental application and paid a {$250.00} application deposit, an {$85.00} non-refundable application fee, and a {$220.00} administrative fee. The application documents stated that if the application was denied, the application deposit and administrative fee would be refunded within 30 days of submitting the application. My application was subsequently denied. On XX/XX/XXXX, I contacted the property management company and requested a refund of the applicable fees. The refund was not issued. I later disputed the charges with my credit card issuer. A temporary credit was issued and subsequently reversed, resulting in the merchant retaining the funds. The account was later placed with I.Q. Data XXXX for collection. I disputed the debt and requested validation. In response, I.Q. Data provided documentation claiming a principal balance of {$310.00} consisting of an {$85.00} application fee and a {$220.00} administrative fee. I.Q. Data also added interest to the account and stated that interest would accrue at a rate of 6.00 % per year. The validation documents provided by I.Q. Data contain move-in, lease start, and lease end dates of XX/XX/XXXX, despite the fact that this matter arises from a denied rental application and no tenancy was established. These dates appear inaccurate and raise concerns regarding the reliability of the information being used to validate the debt. I.Q. Data continues to report this account to consumer reporting agencies. My TransUnion credit report currently reflects a disputed collection account reported by I.Q. Data XXXX with a balance of {$310.00} and identifies The XXXX XXXX as the original creditor. The report indicates that the account is disputed by the consumer and was updated in XX/XX/XXXX. I dispute the validity and accuracy of this debt, the amount being reported, and the basis for collecting and reporting the administrative fee. I am requesting complete documentation supporting the debt, the contractual basis for the charges being collected, the authority to assess interest, and an explanation for the XX/XX/XXXX dates contained in the validation documents. I have attached supporting documentation, including the application documents, refund request correspondence, credit card records, collection correspondence, and credit reporting information.

Company response to consumer: Closed with non-monetary relief