vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>, I reported an error to USAA Federal Savings Bank involving XXXX XX/XX/XXXX transactions totaling {$7500.00}. The dispute was opened while the checking account was active and timely under Regulation E. 

On XX/XX/year>, USAA closed the account while the dispute was still pending and before any written determination was provided. After the account was closed, multiple USAA representatives gave inconsistent information about the status of the dispute. I was later told verbally on XX/XX/XXXX that the dispute had been cancelled. 

I have not received any written notice explaining a determination, cancellation, or denial of the dispute. The only written communication I received was an account-closure notice, which does not reference the dispute, does not state a determination, and does not explain my dispute rights.

Under Regulation E ( 12 C.F.R. 1005.11 ), USAA is required to investigate reported errors and provide written notice of the outcome. Account closure does not terminate these obligations. Because no written dispute determination has been provided, the dispute remains unresolved and the investigation timeline continues to apply. 

From XXXX through XXXX, I contacted USAA multiple times regarding the XX/XX/XXXX transactions and received differing explanations from various departments, including that the transactions were USAA-initiated reversals, duplicate credits, or internal adjustments related to earlier fraud remediation. These inconsistent explanations contributed to confusion regarding the nature of the transactions and delayed my ability to clearly identify the issue as a disputable error. Numerous work orders and support cases were initiated between XXXX and XX/XX/XXXX. All of these were cancelled or unresolved due to the work items being opened for unrelated or incorrect causations. Once the nature of the transactions was confirmed by the USAA dispute team, I promptly opened the dispute on XX/XX/XXXX. 

I have repeatedly requested written confirmation of the dispute status and the required written notice, but USAA has not provided this information and has been unable to clearly locate or explain the dispute. I am concerned that the dispute was improperly cancelled without notice and that the account balance is being treated as final without compliance with Regulation E.

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 2026-01-28 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: CA

Complaint narrative:
ToConsumer Financial Protection Bureau, I am submitting this complaint regarding Bank of America , N.A . and its handling of my Business Advantage Unlimited Cash Rewards XXXX account. 

Bank of America closed my business credit card account without prior notice and without any request or action from me. At the time of closure, the account was in good standing and had accumulated {$7200.00} in earned cash-back rewards. I was not notified that the account would be closed and was not given any opportunity to redeem these rewards prior to forfeiture. 

After contacting Bank of America, I was initially informed that my business was deemed a risk, without any written explanation or policy reference. On a subsequent call, I spoke with a Bank of America representative named XXXX, who stated that the closure was due to KYC ( Know Your Customer ) reasons. However, she advised that Bank of America would not provide any additional details or documentation, would not reopen the account, and would not permit redemption of rewards earned prior to closure. 

Bank of America provided the following reference numbers related to this matter : Case Number : XXXX Complaint Number : XXXX I am not disputing Bank of Americas right to close a business credit card account. However, I believe the forfeiture of rewards earned in good faith, without notice, disclosure, or an opportunity to redeem, is unfair and misleading. The bank has also failed to clearly identify the contractual provision or reward program terms that authorize forfeiture of earned rewards under these circumstances. 

I respectfully request that the CFPB require Bank of America to : Provide a clear written explanation for the account closure and KYC determination Identify the specific contractual basis for forfeiting rewards earned prior to closure Allow redemption or payout of rewards earned prior to closure, or otherwise resolve this matter fairly Thank you for your assistance. 

Sincerely, 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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Global Tel*Link Corporation
State: FL

Complaint narrative:
on XX/XX/XXXX I deposited ( XXXX ) {$50.00} totaling {$100.00} into a family member XXXX XXXX  phone account by mistake. I was trying to add it into the inmates trust fund account instead, once I noticed my mistake, I called Global Tel Link customer service on XX/XX/XXXX for them to transfer the funds from the inmate 's phone account into the inmate 's trust fund account, and I was told XXXX can not transfer funds, but they can send me a refund via check instead, and I would receive the check in the mail within XXXX weeks. XXXX weeks pasted by and I have not received a check yet. 

So from XX/XX/XXXX until XX/XX/XXXX, I have made several online reports with XXXX  and also called and spoke with several customer service reps. Every customer service representative are all saying different things each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Control, LLC
State: VA

Complaint narrative:
Company is fraudulently reporting a collection to the bureaus. Requested proof of claim by calling and emailing company but was ignored.

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 2026-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Date range : XX/XX/XXXX - XX/XX/XXXX Company : Capital One ( XXXXXXXX XXXX XXXX XXXX ) Case # : XXXX Disputed transaction : XXXX XXXX XXXX  charge, {$99.00} on XX/XX/XXXX Summary : I disputed an unauthorized charge from XXXX for an ad service that was canceled before delivery. I provided Capital One with extensive evidence, including XXXX XXXX own records showing {$0.00} ad spend on XX/XX/XXXX, XXXX payment history, XXXX  support tickets showing I tried to resolve with them first, and a detailed legal letter citing Fair Credit Billing Act violations. 

Capital One repeatedly closed and reopened my dispute without reviewing my evidence. They refused to provide XXXX 's evidence to me as required by law, hung up on me when I asserted my rights, and falsely claimed my screenshots were not valid proof. They have now closed the case again, stating I am responsible, without conducting a reasonable investigation as required under 15 U.S.C. 1666. 

This constitutes a violation of the Fair Credit Billing Act, Regulation Z, and XXXX XXXX  consumer protection laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been making consistent payments on this debt for over XXXX years and have paid approximately {$46000.00} to date, including a large initial payment and regular monthly payments. I have always acted in good faith and have actively tried to remain current on this account. 

On multiple occasions, including most recently in XX/XX/XXXX, I was unable to access the companys payment portal because the required SMS two-factor authentication ( XXXX ) failed. The SMS verification code was not delivered, which prevented me from logging in and making my scheduled payment. Because XXXX is mandatory, any failure in this system completely blocks the ability to pay. 

When these issues occur, I repeatedly attempt to contact the company by email and phone for assistance. I often have to reach out XXXX or more times to receive any response. Many phone calls go directly to voicemail without a callback, and emails frequently go unanswered. Issues are typically resolved only after repeated follow-ups, and there is no permanent fix. 

On XX/XX/XXXX, I was told by a representative that the company could not contact me directly because their system showed I had an attorney on file. This information is incorrect. This same issue was addressed previously on XX/XX/XXXX, when the company confirmed in writing that prior counsel no longer represented me and that they could communicate with me directly. Despite this prior confirmation, their system continued to reflect inaccurate information, causing further delays and communication issues. 

Although the most recent access issue was eventually resolved after escalation, these problems are recurring and systemic. The combination of unreliable XXXX, a payment portal that becomes inaccessible, inaccurate internal records, and delayed or absent responses creates an ongoing risk that timely payments can not be made through no fault of the consumer. 

I am concerned that these system and servicing failures could result in improper late fees, default status, negative credit reporting, or other adverse action, not only for me but for other consumers attempting to make timely payments. I am requesting that this issue be reviewed to ensure reliable payment access, accurate account records, and timely communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Company : Capital XXXX Product : Checking account / Debit card Issue : Debit card dispute failure to provide provisional credit and improper Reg E classification Complaint Details I am filing a complaint regarding Capital Ones handling of a debit card dispute that should be governed by Regulation E ( 12 CFR 1005.11 ).

Timeline & Facts : Personal consumer checking account Debit card transaction for merchandise not received Claim opened by Capital XXXX on XX/XX/year> Claim number : XXXX The transaction was disputed timely Capital XXXX did not issue provisional credit within XXXX business days, nor did they provide me with a written notice explaining why provisional credit was denied, as required under Regulation E. 

I reviewed my Statements & Documents section and did not receive any written notice there. A claims manager ( XXXX ) later stated the notice was sent via email on XX/XX/year> ; however : I did not receive the email Capital One could not re-send or reproduce the notice The bank could not provide the contents of the notice or the legal basis for denial Improper Denial of Regulation E Protections Capital One representatives, including a claims manager, stated that my dispute is considered non-Regulation E, but they were unable or unwilling to identify : Which specific Regulation E exclusion applies What part of my account allegedly disqualifies me The regulatory citation supporting the denial I was told that : The claim is ineligible because the merchant did not respond The investigation is handled by back office Customer-facing representatives are not allowed to disclose the criteria used to deny provisional credit Merchant non-response is not a valid basis under Regulation E to deny provisional credit after XXXX business days, nor does it exempt the bank from written notice requirements. 

XXXX XXXX has effectively : Withheld provisional credit beyond the required timeframe Failed to provide accessible written notice Refused to explain the regulatory basis for classifying the claim as non-Reg E

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Please see closed complaint XXXX, I am adding new information that was subpoenaed from Bank of America XXXX 
The cash transactions were through ATMs in south Florida ( XXXX XXXX and XXXX XXXX opened the account online. Videos from the ATMs were used to run still photos of the perpetrator through various facial recognition software products, but no hits. Further information provides XXXX XXXX XXXX ( unclear if Texas  or XXXX ), although there are many entities with this name, including XXXX Florida. XXXX provided the XXXX address, and it comes back to XXXX XXXX in XXXX, XXXX, who pays XXXX for website hosting. So, website remote access through XXXX with criminals in the XXXX who move the money, commonly XXXX  or XXXX organized crime. 
Bank of America refused to give me any information because I am not a customer, but are protecting the criminals who defraud people using their bank. Bank of America did not follow XXXX compliance rules and the criminals were able to scam me out of {$21000.00}. Since the above information is from the bank itself, then they should be held liable in returning my funds.

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 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
Lobel Financial assessed Loss Damage Waiver ( LDW ) charges to my auto loan effective XX/XX/XXXX. I repeatedly provided insurance information and later Lobel confirmed receipt of comprehensive and collision coverage effective XX/XX/XXXX. Lobel canceled the XXXX but only issued a {$58.00} prorated adjustment and deferred it to the end of the loan instead of refunding prior improper charges. 

My account ledger shows LDW-related charges and additional interest accrued for an extended period. These fees inflated my balance and contributed to late fees and negative credit reporting. Lobel failed to fully refund improperly assessed LDW charges, failed to correct the loan balance, and continues to report an inaccurate balance to credit bureaus. I am requesting a full audit, refund of all improper LDW charges and related interest, balance correction, and corrected credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to Vance and Huffman , LLC. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Vance and Huffman , LLC to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Vance and Huffman , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Subject : Formal Complaint Misleading Promotional Financing and Interest Charges Hello, I am writing to formally dispute and complain about interest charges applied to my Synchrony account related to a purchase made at Ashley Furniture ( XXXX, TX ) in XX/XX/XXXX for approximately {$6200.00}. 

At the time of purchase, the financing was presented to me as interest-free, and I was enrolled in autopay. The terms and consequences of deferred interest were not clearly or adequately explained, nor was I made aware that failure to pay off the balance by a specific date would result in retroactive interest charges. 

In XX/XX/XXXX, approximately {$1000.00} in interest was unexpectedly deducted from my account, followed by additional interest charges of ~ {$170.00} in XX/XX/XXXX and ~ {$180.00} in XX/XX/XXXX, totaling approximately {$1300.00} in interest charges. 

I was not notified in a clear or conspicuous manner prior to these charges being applied, and the promotional financing was misleading in both explanation and execution. I believe this constitutes unfair and deceptive practices. 

I am formally requesting : A refund or credit of the retroactive and subsequent interest charges, and A review of the promotional financing disclosure provided at the point of sale.

If this issue can not be resolved, I will proceed with complaints to the Consumer Financial Protection Bureau and the Texas Attorney Generals Office. 

I look forward to your written response. 

Sincerely, 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 2026-01-28 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:
These accounts are not attributable to me and should be removed within XXXX  days in line with USC 1681g.

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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
No Proper Debt Validation Before Lawsuit No original contract, statements, or assignment documentation from the original creditor was provided before legal action.

Debt collector skipped required pre-suit validation notice under the FDCPA ( 15 U.S.C. 1692g ).

2. Misleading Communication from Debt Collector Written communication explicitly stated : This is not an attempt to collect a debtdespite active litigation to recover money.

May violate FDCPA provisions prohibiting deceptive or misleading representations ( 15 U.S.C. 1692e ).

3. First Notice Was Court Complaint You were not sent any certified notice before being sued.

You only became aware of the claim once court documents were served.

This deprived you of the right to dispute the debt within 30 days under federal law.

4. Unproven Chain of Assignment Plaintiff claims the debt was passed from multiple entities : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates No documented proof of legal transfer between each entity was attached or disclosed. 
Raises standing concerns if assignment is not properly documented. 
XXXX. Questionable Licensing of Entities in Chain You found no licensing or registration information for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entities do not appear in NMLS or CFPB databases. 
If they werent legally authorized to collect or assign debt, Portfolio Recovery may not have standing.

6. Account Stated Theory Lacks Supporting Facts Plaintiff is relying on an account stated theoryno signed agreement or acknowledgment of debt.

No written confirmation or itemized balance was ever received or agreed to. 
No proof of communication between you and XXXX showing acceptance of any balance due.

7. Inflated or Unsubstantiated Balance Complaint references a lump sum ( {$2200.00} ) without an accounting history or breakdown.

No detailed statement explaining how this amount was calculated.

Raises issue under FDCPA 1692e ( 2 ) ( A ) ( false representation of amount owed ).

8. Debt Collectors History of Regulatory Violations CFPB enforcement action against Portfolio Recovery Associates for : Suing without proper documentation Misrepresenting debts Failing to respond to disputes Pattern of misconduct may indicate bad faith in your case.

9. No Certified MailFailure of Proper Notice All communications were by regular mailno certified mail confirming delivery.

Weakens any claim that you were given proper notice to dispute or respond pre-lawsuit.

10. FDCPA & Consumer Rights Potentially Violated 15 U.S.C. 1692d, 1692e, 1692f for abusive, deceptive, or unfair practices.

15 U.S.C. 1692g failure to validate debt properly.

New Jersey state regulations on debt collection and standing may also apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Applied for credit on XX/XX/year> and was denied. I contacted the customer service team and was informed of the denial. I inquired about an appeal due to have significant credit history on the other bureaus ( XXXX ) with little to no things in collections and a low credit usage. The agent was rude and would not perform a manual override of my application.

Company response to consumer: Closed with explanation