vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: PA

Complaint narrative:
I am correcting and updating my complaint. This L J Ross Associates , IncXXXX collection account is not related to XXXX. The account being reported by L J Ross Associates is associated with an alleged XXXX account. I am the victim of identity theft and I do not recognize this XXXX account. I did not open, authorize, use, benefit from, or agree to accept responsibility for this account. L J Ross Associates is now reporting this alleged account on my consumer credit report with a balance of approximately {$4700.00}. I have submitted an FTC Identity Theft Report regarding fraudulent accounts and unauthorized activity. I request that L J Ross Associates conduct a reasonable investigation, provide documentation proving this account belongs to me, and remove this collection account from all consumer reporting agencies if it can not verify that I personally opened and authorized this account. I request deletion of this collection account, cessation of collection activity, and written confirmation of the results of the investigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I am filing this complaint against American Express regarding an unfair interest charge of {$120.00} assessed to my account on XX/XX/year>, and the company 's absolute refusal to provide a standard goodwill adjustment for a long-term loyal customer. Due to a confusing interface and a technical misunderstanding with the Auto Pay configuration on the Amex platform, my automatic payment was unintentionally set to the " Minimum Payment Due '' instead of the " Statement Balance. '' This was a completely honest, one-time oversight. I have an immaculate payment history with American Express and have always paid my balances in full every single month. The moment I discovered this auto-pay error and noticed the {$120.00} interest charge, I immediately initiated a manual payment to pay off the remaining balance in full. My account is currently fully satisfied, meaning no financial or default risk was ever imposed on the bank. I contacted American Express customer service to request a one-time courtesy waiver/goodwill credit to refund this interest fee, considering my excellent long-term standing. However, their representatives flatly refused to provide any flexibility, which contradicts the core values of customer service that Amex claims to uphold.

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 2026-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect Inc. is reporting a collection account on my credit report ( Account # XXXX, Original Creditor : XXXX XXXX Apartments, Balance : {$9100.00} ) that contains multiple material inaccuracies in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). INACCURACY XXXX JOINT ACCOUNT DESIGNATION : This account is reported as 'Joint Account. ' I am the sole adult on the original lease. The only other party listed is my minor child, age XXXX, who has no legal capacity to hold debt. There is no contractual or legal basis for a joint account designation. INACCURACY XXXX WRONG DELINQUENCY DATE : The Date of First Delinquency is reported as XX/XX/XXXX. This is my lease move-in date. I was a current, paying tenant on that date. No delinquency occurred until after lease termination in XXXX XXXX. This error significantly extends the apparent damage to my credit report and misrepresents the timeline. INACCURACY XXXX INFLATED BALANCE : The {$9100.00} balance includes a Reletting Fee of {$1500.00} that is invalid under the lease 's own terms. The lease Special Provisions explicitly state that the Early Termination Fee 'supersedes " the Reletting Charge. The original creditor 's own assistant community XXXX confirmed in writing on XX/XX/XXXX and XX/XX/XXXX that my account was classified as an Early Termination not a Skip. Her XX/XX/XXXX email further stated that reletting fees are 'charges associated with skip accounts, ' confirming this charge does not apply to my account. Despite this, ProCollect is collecting and reporting this inflated amount. INACCURACY 4 ACCOUNT SENT TO COLLECTIONS WITH OPEN DISPUTE : I submitted a formal written dispute of the charges to the original creditor on XX/XX/XXXX. This dispute was unresolved when the account was transferred to ProCollect on XX/XX/XXXX. XXXX is reporting and collecting on a disputed amount that was never validated before placement. I sent ProCollect a formal debt validation letter and dispute via certified mail on XX/XX/XXXX. I have also filed a Fair Housing Act complaint with HUD regarding the underlying debt ( XXXX XXXX failed to accommodate my service-connected XXXX XXXX ). I am an 80 % XXXX XXXX. The credit damage from this inaccurately reported account is directly harming my ability to obtain XXXX financing for my veteran-owned small business. I am requesting that the CFPB require ProCollect to : ( 1 ) correct all inaccuracies on my credit report immediately ; ( 2 ) provide complete debt validation ; and ( 3 ) cease reporting this account until all inaccuracies are verified and corrected.

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 2026-07-03 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Company : Synchrony Bank. I held an XXXX XXXX issued by Synchrony Bank ( account ending in XXXX ). XXXX ended the program XX/XX/year> and stated in writing that unredeemed points over XXXX would be converted nto an XXXX gift card at {$10.00} per XXXX points. My XX/XX/year>, statement shows XXXX points. I earned XXXX additional points on purchases through XX/XX/XXXX. ( Calculation attached. ) Total owed : {$830.00}. No gift card has been issued. I contacted Synchrony and XXXX multiple times ; each directs me to the other and no one can account for 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 2026-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I can not provide all of the dates as the company " US Bank '' has restricted access to my accounts. I have to call in order to get, for the most part, no information. After XXXX weeks of having my accounts frozen because they were mistakenly included in a letter from a legal group ( XXXX ), I am using them to help settle several credit accounts. US Bank on or about XX/XX/XXXX stated they would be closing my accounts and would issue a check within XXXX XXXX XXXX business days. They sent a check for the amount in my checking account only. My savings account was not returned with XXXX attempts to contact the Fraud Department were fruitless. I spent hours on the phone trying to get an explanation. No answer was given other than that I was possibly a high risk for fraud exposure. This is likely due to my age rather than any action that I have taken. No answer was given as to whether this resulted from any law enforcement action or investigation. XX/XX/XXXX was the day they said they were releasing my funds. I received the money from my checking account. I need the money from my savings to pay taxes and settle debts. I feel the only reason for the hold on my funds is age discrimination.

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 2026-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I leased a XXXX through Ally Bank. I made my payment every month for 36 months. I returned the vehicle with low miles in perfect condition. They charged me a surprise hidden fee of XXXX $ for a " return car fee, lease end fee ''. After giving them XXXX over 3 years I was very upset. I called up and we agreed to XXXX $ i sent them the XXXX $ check and I then months later seen they reported to my credit report XXXX $ late. I called them and they said since they didnt get the check right away they canceled our agreement. They cashed my check, took the agreement money, but canceled the agreement. I want to sue them, and the credit bureaus for not removing. I was denied a business loan. And its hurting my insurance rates

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 2026-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
My payment is done on the XXXX of every month I made it on the XXXX of last month they charged me XXXX XXXX for being late. They told me they don't process the payment til the next business day. The money came rite out of my account. And straight to the credit card which brought my balance back up to where its full again. Called XXXX to have it removed they lied to me and said they would have it off by today which is XXXX. I called again and they won't let me speak to anyone who can help me. I've never been late in the year I've had this card from " U.S BANK '' Now I have a late payment on my credit and a late fee.

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 2026-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: MN

Complaint narrative:
This company closed my account without my knowledge. Even when I had a protection Deal for XXXX they didnt even let me use. I had a XXXX XXXX XXXX XXXX XXXX XXXX They also added Charges I didnt even authorized and saying I was over the limit I wasnt. And now I Cant even catch up because they wont even help with the charges and its like over XXXX In charges when I have paid them So many payments. I had a XXXX XXXX. So Wanted to Use protection That I paid For This card is so XXXX and makes absolutely no Sense. I got no warning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

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 and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and 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 2026-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Opened up an account with Wells Fargo tried to get into it within XXXX minutes couldn't gain access went through the whole process and it opened up XXXX accounts. So didn't have enough funds in either acct to avoid fees been charged for XXXX months XXXX in each account asked them to waive fees and combine accounts they refused

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 2026-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I am a XXXX loyal member of USAA. Recently, my checking account incurred a minor temporary overage of {$90.00}. Before my regular, recurring monthly direct deposit could post, USAAs automated system abruptly closed the deposit account and charged it off. On XX/XX/year>, my regular monthly direct deposit check of {$150.00} was sent via direct deposit to this account. This deposit would have completely covered the {$90.00} overage and left a positive balance. Instead, USAA automatically rejected and bounced the deposit back because they had marked the account closed. Upon contacting customer service, USAA agents provided highly misleading and factually incorrect regulatory information. When I requested to completely close my overarching USAA membership and customer profile since my deposit account was gone, the representative claimed that federal regulatory bodies ( specifically referencing the OCC and CFPB ) " require '' USAA to keep member profiles/accounts open after a charge-off. There is no federal banking regulation or OCC/CFPB mandate that requires a financial institution to maintain an active consumer membership profile against a consumer 's will following an internal accounting charge-off. USAA is falsely using federal regulations as a shield to deny my right to close my membership profile and terminate my relationship with their institution.

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 2026-07-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: MD

Complaint narrative:
On XX/XX/XXXX I realized that more than 400 payments were made using my card totaling XXXX XXXXThe charges began on XX/XX/XXXX and continued until XX/XX/XXXX. I was out of the country from XXXX XXXX XXXX until XX/XX/XXXX and did not use my card for any purchases. None of the purchases were authorized by or for me. I filed a police report, case number XXXX with XXXX XXXX Police. I included copies of my airline tickets as proof that I was not in the U.S. during the times of activity of my card. My requests for restoration of my account have been denied. In addition to this complaint, I have sent a certified letter to U.S. Bancorp Executive Consumer Complaints.

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 2026-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: AR

Complaint narrative:
I disputed this account with the credit reporting agencies because I questioned the accuracy of the information being reported. Despite the dispute, the account was verified without the debt collector providing me with documentation sufficient to establish that i am legally responsible for the debt or that the information being reported is accurate. I requested reasonable investigation and supporting documentation, but I have not received records that substantiate the reporting. I am requesting that the debt collector either provide documentation supporting the debt and its reporting or correct or remove any information that can not be 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 2026-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M & T Bank for XXXX XXXX XXXX XXXX Practices XXXX and XXXX XXXX Access to Funds To the Consumer Financial Protection Bureau : I am filing a formal complaint against M & T Bank for repeated wrongful holds on my funds, unfair and deceptive practices, and failure to provide clear or consistent explanations for actions that have caused me financial harm. Over multiple incidents, M & T Bank has restricted my access to my own money without legitimate justification. These holds have occurred on ordinary, legitimate transactions and deposits. Each time, the bank has provided inconsistent or misleading explanations, and customer service has been unable or unwilling to clarify the reason for the holds or provide a timeline for release of funds. These wrongful holds have caused direct financial harm, including delays in paying essential bills, late fees, and inability to cover necessary expenses. I rely on my monthly income for basic living costs, and these disruptions have created significant hardship. Additionally, M & T Bank has engaged in unfair or deceptive practices by : Providing conflicting explanations for account restrictions Failing to notify me properly before placing holds Applying policies inconsistently Refusing to escalate or resolve the issue despite multiple attempts Treating legitimate transactions as suspicious without basis I am requesting that the CFPB investigate M & T Banks handling of my account, the justification for these holds, and their compliance with Regulation CC, EFTA, and UDAAP standards. I also request that M & T Bank release any remaining held funds, correct any improper fees or charges, and provide a clear explanation of their actions. I am prepared to provide documentation of dates, amounts, screenshots, and communication logs upon request. Thank you for your attention to this matter. Consumer : XXXX XXXX : XXXX XXXX, MD Bank XXXX M & T Bank

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 2026-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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