vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX that has experienced repeated mechanical, electrical, and safety-related defects. The vehicle has had ongoing issues from the beginning of ownership, and the problems have continued despite my attempts to obtain repairs, documentation, diagnostic information, and assistance. I contacted the dealership and XXXX multiple times requesting a complete review, repair history, diagnostic findings, warranty assistance, and escalation to management. The vehicle continues to have unresolved defects affecting its safety, reliability, and intended use. I also contacted Ally Financial regarding this matter. Ally Financial informed me that the issue needed to be addressed directly with the dealership and that it was a dealership-related matter. Based on that instruction, I attempted to resolve the matter directly with the selling dealership. The dealership has failed to provide a satisfactory resolution, complete documentation, or a proper remedy. I have requested : XXXXA full inspection and written report identifying all defects ; XXXXComplete repair history and diagnostic documentation ; XXXXA replacement vehicle or buyback consistent with XXXX Lemon Law protections ; XXXXA written response from management addressing the defects and concerns. This matter involves concerns regarding repeated defects, unresolved warranty issues, multiple documented communications, and failure to provide an appropriate resolution. I am filing this complaint because reasonable attempts to resolve this matter directly have not been successful. This matter raises concerns under applicable consumer protection laws, including the XXXX XXXX XXXX XXXX XXXX ( XXXX Lemon Law ), applicable warranty obligations, and the federal XXXX XXXX XXXX If applicable, I also request review of any financing-related obligations and disclosures under federal consumer lending protections, including the Truth in Lending Act ( TILA ). I request CFPB assistance in obtaining a proper review and resolution.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, USAA Federal Savings Bank placed an immediate restriction on my Classic Checking account ( ending in XXXX ), completely blocking my ability to view my transaction history, move money, or access my settled balance of {$2900.00}. On this exact same date, XX/XX/year>, my regular direct deposit from my employer was successfully credited to the account. USAA failed to send any email or push notification regarding an account issue, despite doing so for minor flags in prior occasions. I only discovered the issue because a transaction failed. Upon logging into the app, I saw a restriction notice and had to manually search deep into my online documents to discover a " Closure Notice for Deposit Account. '' I contacted USAA customer service immediately on XX/XX/year>, to arrange for the release of my funds. I explicitly informed the representatives that I am currently out of town on a business trip and am now completely stranded with no access to money. Despite knowing my critical situation, representatives informed me that the bank intends to hold my entire balance of $ XXXXwhich includes my freshly deposited paycheckfor up to 60 days. They refused to provide any further information or escalate my call. Withholding my hard-earned payroll and 100 % of my operational funds for 60 days is creating an immediate, severe financial hardship, leaving me unable to pay basic living expenses. I am not contesting USAA 's decision to close the account, but I am demanding that they immediately release my fully settled, legal property. I request that USAA expedite and overnight a cashier 's check for my full balance of {$2900.00} to my mailing address on 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 2026-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
Account was opened without my authorization. and now I'm getting contacted by this random debt collector about it. I've submitted a ftc report and suspect this account was opened fraudulently due to the several data breaches my Social and ID along with other information has been involved in.

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 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint concerning collection accounts that have been reported on my credit report but do not belong to me. As someone who regularly monitors my credit history, I was surprised to discover these accounts, as I have no knowledge of them and have never authorized or entered into any agreement related to them. The presence of inaccurate information on my credit file is concerning and may negatively impact my financial standing. I respectfully request a thorough investigation into these accounts and ask that any information found to be inaccurate or unverifiable be corrected or removed as soon as possible.

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 2026-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates
State: OH

Complaint narrative:
Prince Parker and Associates has repeadtly violated the FCRA, multiple times. First of all I have never had XXXX XXXX XXXX, when I found out about this account I immedialty filed a police report. I have asked for all verification to include the orgiginal contarct, Identification as as signatures proving I even had this account. They have responded with noting. In the mean time they continue to harassme via email and text. I have been with XXXX for 20 years. I have never used or had XXXX XXXX XXXX and they are trying to get me to pay illegally a large bill that is not mine at all. I have contacted a attorney and plan to pursue this legally if this isnt removed from my credit report immedialty I have also sent a cease and desit and they still contact me via text message on my XXXX phone. Police report # XXXX filed in Colorado since this is where the fraud occured as I live in another state and do not reside in colorado

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 2026-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I called to have my account clised last XXXX with Navy Federal Credit Union. They have yet to close the account because of a credit card that was charged off since XXXX This account was sent to collections and on my credit report and they have yet to close this account. Money was sent to the savings account and they took it and would not release the money to me. Clearly they are not following the federal guidelines on closing accounts and charge offs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
am writing to formally dispute the negative balance reporting on my student loan account. The information currently appearing on my loan records and/or credit report is inaccurate and does not reflect the correct loan balance. This request is made under my rights established by the Fair Credit Reporting Act ( FCRA ) and the Higher Education Act, which require accurate and verifiable loan information

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 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am banking with Bank Of America, I also had a credit card within them, they put a late payment on my account and then immediately closed it. My consumer laws were violated. I was not informed of anything. I was not late. I called them and informed him I was switching jobs and I needed to grace. They said OK and now my entire credit card is closed.

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 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
have submitted an FTC Identity Theft Report ( FTC Report XXXX. XXXX ), government-issued identification, and proof of address. Despite receiving these documents, the credit bureau continues to report fraudulent accounts and derogatory information on my consumer report. This is not a request for reinvestigation. This is a statutory block request under FCRA 605B ( 15 U.S.C. 1681c-2 ). Under FCRA 605B, a consumer reporting agency must block and remove information resulting from identity theft within XXXX business days after receiving a valid Identity Theft Report and identity verification documents. The continued reporting of these fraudulent accounts violates : 15 U.S.C. 1681c-2 ( FCRA 605B ) Failure to block and remove identity theft information. 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requirement to delete information that can not legally be attributed to the consumer. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Prohibits reinsertion without certification and written notice.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX Bank Negligence, Unauthorized Identity Takeover, and Obstruction of Fraud Reporting by Front-Line Staff Factual Summary of the Breach : I am submitting this formal complaint against BMO Bank due to a catastrophic failure of security protocols, active mishandling of identity theft, and obstruction by customer service staff. XXXX. Prior Security Warnings Ignored : In XXXX, my physical driver 's license, debit cards, and credit cards were stolen by a known individual named XXXX under the cover of a local law enforcement raid. I immediately contacted BMO to report the theft and requested to freeze my accounts. BMO front-line staff refused to protect my account or lock it down, explicitly citing that I could not authenticate because I did not have access to my trusted device. XXXX. Unauthorized Identity Takeover Approved by Bank : On XX/XX/XXXX, BMO allowed an unauthorized imposter to bypass security completely. The caller claimed that both my phone and debit card were stolen. Despite the fact that BMO had previously refused to help me without a trusted device, they accepted the imposters narrative, bypassed standard device authentication protocols, and permitted the fraudulent caller to cancel my active cards and alter account settings. XXXX. Failure to Investigate and Corporate Obstruction : On XX/XX/XXXX, after noticing successive transaction denials, I contacted BMO. I was informed a caller had shut down my cards on XX/XX/XXXX. I explicitly stated that I did not make that call, that I was a victim of identity theft, and I formally requested an immediate fraud investigation. Today, XX/XX/XXXX, I followed up and discovered that BMO completely failed to initiate the requested investigation. Furthermore, when utilizing BMOs online chat platform today to demand escalation, front-line representatives deliberately ignored my direct inquiries regarding the security breach and actively refused to provide me with the direct telephone number to the Fraud Department . Front-line staff further claimed they do not know and can not see how the fraudulent caller on XX/XX/XXXX was verified.

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 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
Dispute Letter : Hardship Protection Not Applied/ Improper Late Fees XXXX XXXX, Customer Service, XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Dispute Failure to Apply Credit Protection / Improper Late Fees/ Inaccurate Reporting To Whom It May Concern, I am formally disputing the late fees and late payment reporting on my account. I was explicitly informed that credit protection/hardship protection was active on my account during the period in question. During this time, I was medically unable to work and was in and out of a leg cast. I am only now returning to work. Despite this, late fees were added and negative information was reported. Additionally, when I requested corporate contact information to resolve this matter, your representative refused to provide it, which is a violation of federal consumer communication standards. Under the Fair Credit Reporting Act ( FCRA ) and CFPB Servicer Communication Rules, I am requesting : XXXX. All records, notes, and documentation showing the status of my credit protection or hardship plan. XXXX. Verification of all late fees and late payment reporting, including the documents used to justify them. XXXX. A full investigation into why credit protection was not applied despite my eligibility and notification. XXXX. Immediate correction or removal of any late fees and negative credit reporting that resulted from your failure to apply the protection plan. This has dropped my credit on all three bureaus. Why was I overlooked?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
I was on a trial payment plan and my account number was transposed so therefore I was advised that fha looks at that as me failing the trial plan. So then I reached out to fha resource center they told me that I should have been offered othere options well when I reached back out to Freedom Mortgage they said that I also needed to sayvthat within that trial payment the payment was reduced so therefore that made me in eligible for any other plans such as repayment plan, waterfall etc...

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 2026-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX account Name ( Account Number : XXXX as shown on your 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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I was a victim of Identity theft in 2018 there were multiple accounts opened up in my name fraudulently. ZION DEBT HOLDINGS is reporting a collection account that is fraudulent and I want to submit a formal complaint against them. have identified the accounts and now am able and have the spirit to fight this challenge and work on getting my life back. I work full time and raise a family and this has caused a great deal of stress on my family. Filed the FTC Fraud report and contacted the companies reporting the information as well as contacted the police. Please help me fight this and get my issues resolved. Thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation