vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Subject : Formal Complaint Regarding Closed Checking Account, Withheld Funds, and Unresolved Credit Card Account I am submitting this formal complaint regarding Truist Bank 's handling of my accounts and its continued failure to provide answers or a resolution despite my repeated efforts over the past XXXX months. Without warning or adequate explanation, XXXX closed my checking account while holding approximately {$2000.00} of my funds. Since the closure, I have contacted XXXX by phone nearly every day seeking information regarding the reason for the account closure, the status of my funds, and what steps are required to resolve the matter. Despite these numerous attempts, Truist representatives have failed to provide a clear explanation, timeline, or solution. At the same time, my Truist credit card account remains open and active. I continue to receive statements and email notifications showing interest and charges accruing on the account. However, because of the unresolved issues created by Truist and the lack of communication regarding my accounts, I have been left without a reasonable way to address the balance or obtain meaningful assistance. I find it unacceptable that Truist has held my funds, failed to provide a valid explanation for closing my account, and allowed interest to continue accumulating while repeatedly failing to resolve the issue. This situation has caused significant financial hardship, stress, and uncertainty. I am formally demanding the following : 1. A written explanation for the closure of my checking account. 2. Immediate clarification regarding the status of the approximately {$2000.00} being held. 3. A full review of my credit card account, including all interest and fees assessed since the checking account was closed. 4. Written instructions explaining how I am expected to make payments and manage the account while this matter remains unresolved. 5. A prompt resolution of this matter and a response from a qualified representative with authority to address my concerns. If this issue is not resolved promptly, I intend to pursue all available options, including filing complaints with the Consumer Financial Protection Bureau, my state 's banking regulators, and any other appropriate agencies. I have made every reasonable effort to resolve this matter directly with Truist. After XXXX months of unsuccessful attempts, I am requesting immediate intervention and a complete review of my case. Sincerely, XXXX 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 2026-06-11 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: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I am requesting assistance regarding an ongoing title transfer issue with Wells Fargo that is preventing me from registering my vehicle in Rhode Island. I am an XXXX XXXX XXXX, and I submitted a Title Request to Wells Fargo to complete the registration process for my vehicle. Unfortunately, despite providing all required documentation promptly, I have been informed that the request is still being processed and may take up to XXXX weeks to complete. I was also advised that the process can not be expedited. This delay has placed a significant burden on my family. Because the vehicles registration has expired, we are unable to legally operate it. My spouse and I both work and rely on having XXXX vehicles to meet our daily responsibilities. Managing with only XXXX vehicle has created considerable stress and hardship for our family. What is particularly frustrating is that I recently completed the same process for another vehicle and our RV through different lenders. In both cases, the title transfers to Rhode Island were completed within XXXX week, allowing us to register those vehicles without issue. Despite Wells Fargo having received all necessary information, we have seen no meaningful progress on this request. I am scheduled to execute military orders in the near future and can not leave my spouse without reliable transportation. I respectfully request that this matter be reviewed immediately and that every effort be made to expedite the title transfer process. The current timeline is unreasonable given the circumstances and the significant impact it is having on my familys ability to function and fulfill our obligations. Please assist my family in resolving this matter as quickly as possible. Your prompt attention to this issue would be greatly appreciated. Thank you for your time and consideration.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In [ XXXX ], I attempted to deposit a valid {$25000.00} California EDD check into my Chase account. Because the check was made out to a third party, the payee was physically present with me at the bank branch with her identification to verify the transaction and consent to the deposit. Despite this face-to-face verification, Chase 's automated risk systems flagged the account and immediately closed it. It has now been over XXXX full year since the account was closed. The funds from the State of California fully cleared and were taken by Chase, but the bank has failed to issue a payout cashier 's check to my mailing address. Chase has severed all my access, and their automated phone lines prevent me from reaching a live representative because I no longer have an active account number. I am requesting the CFPB 's assistance to force Chase to locate my closed account profile and immediately release my cleared {$25000.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XXXX XX/XX/year>, I purchased clothing items from XXXX ( XXXX ) for XXXX using my PayPal account. I returned the unsuitable items ( wrong sizes ) in-store over a month ago. XXXX accepted the returns and has already processed several partial refunds at different times, which is confirmed in their emails and ARN numbers. I raised a dispute with PayPal for the remaining amount of XXXX. PayPal initially rejected the claim. I appealed the decision. On XXXX XX/XX/year>, I spoke with two different PayPal representatives who gave completely contradictory reasons for the rejection : XXXX representative stated the refund was not processed because my account was limited. A second representative from the Escalations Team stated it was because I did not inform PayPal that I was returning the items. I have voice recordings of both calls as evidence. PayPals position is inconsistent and unfair. XXXX has already accepted the returns ( as shown by the partial refunds issued ), and I provided the e-receipt and confirmation emails. Under consumer protection rules, once goods are returned and accepted by the retailer, I am entitled to a refund. PayPal is still refusing to release the remaining XXXX despite having evidence that the items were returned and accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
RE : Complaint Against Aargon Agency To Whom It May Concern, I am filing a formal complaint against Aargon Agency regarding an account appearing on my XXXX credit report ( Report # XXXX, generated XX/XX/XXXX ). Account Details : Creditor : XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX of XXXX XXXX : {$1400.00} Date Opened : XX/XX/XXXX Status : Collection Account Scheduled On Record Until : XX/XX/XXXX I am requesting the following : XXXX. Proof that your company is licensed to collect debt in the state of XXXX XXXX. The original signed agreement or contract bearing my signature XXXX. Complete payment history from the original creditor XXXX. Proof that the statute of limitations has not expired XXXX. The name and address of the original creditor XXXX. Proof that the debt has not been sold multiple times XXXX. The exact amount owed and how it was calculated XXXX. Chain of title/ownership showing all transfers of this debt Basis for Complaint : Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request full validation of any debt being reported on my credit profile. This account has already been disputed with Experian yet continues to report inaccurately. Under FCRA Section 611, any information that can not be fully verified must be removed from my credit report immediately. XXXX Requested : Full debt validation XXXX investigation into the accuracy of this account Removal of this account if it can not be fully validated Cease all collection activity until validation is provided I am requesting this in writing so that there is a formal record of this complaint. I expect a response within XXXX days as required by law.

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management ( Encore Capital ) is reporting a collection on my XXXX credit report for approximately {$610.00}, listing the original creditor as XXXX XXXXXXXX XXXX. The account is unverified and has never been validated, and it is already flagged on my report as disputed by me. As a debt buyer that operates under CFPB consent orders requiring account-level documentation before collecting, Midland must XXXX this debt. It has not provided a signed original agreement with XXXX XXXXXXXX XXXX, an itemized accounting of the {$610.00} ( principal versus interest and fees added after charge-off ), or the chain of assignment from XXXX XXXX XXXX XXXX Midland. Instead of validating, Midland has repeatedly emailed me settlement and discount offers ( XXXXXXXX XXXX ) without ever substantiating the debt. I dispute the amount and the validity of this tradeline. I believe this violates the FDCPA ( 15 U.S.C. 1692g - failure to validate ; 1692e ( 2 ) ( A ) - misrepresenting the amount ) and the FCRA ( 15 U.S.C. 1681e ( b ), 1681s-2 - furnishing inaccurate/unverified information ). DESIRED RESOLUTION Provide complete written validation - the signed XXXX XXXXXXXX XXXX agreement, an itemized accounting of the {$610.00}, and the full chain of assignment to Midland- or delete this collection from all consumer reporting agencies and cease collection. Report the account as disputed in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
My checking account with Citi bank was close sometime around XXXX. I was told my funds would be mailed to me in a check in the mail in XXXX days after the XXXX days I called and they said first I need to verify my account from a code they sent me in the mail. Between XXXX and XXXX I requested they send it at least XXXX times I still never received it. It is now XX/XX/XXXX and I still have no idea how to resolve this problem as Citi bank has no branch I can walk into and verify I am who I say I am. Everytime I call Im told to wait on mail that I have not received in over XXXX months. I had XXXX in my account

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates ( XXXX ) is reporting a collection on my XXXX XXXX XXXX credit reports for approximately {$1100.00}, listing the original creditor as XXXX XXXX. The tradeline is inaccurate and unverified. Unexplained, changing balance. The account has been reported as both {$1200.00} and {$1100.00} with no explanation for the change. A collector must be able to itemize and justify the exact amount it reports. " Verified '' without proof. I previously disputed this account. XXXX reported it " verified '' ( XXXX : " subscriber disagrees '' ; XXXX : " consumer disputes after resolution '' ) without ever providing me the underlying documentation or a description of how it was verified. No validation / unproven ownership. XXXX, a debt buyer, has never provided the signed original XXXX agreement, an itemized accounting, or the chain of assignment from XXXX XXXX to XXXX. As a company operating under CFPB consent orders ( XXXX and XXXX ), XXXX is required to have account-level documentation before collecting. I dispute the amount and the validity of this tradeline. I believe this violates the FDCPA ( XXXX5 U.S.C. 1692g, 1692e ( 2 ) ( A ) ) and the FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ). DESIRED RESOLUTION Provide complete written validation - the signed XXXXXXXX XXXX agreement, an itemized accounting that explains the change from {$1200.00} to {$1100.00}, and the full chain of assignment to XXXX - or delete this collection from all consumer reporting agencies and cease collection. Provide the XXXX of XXXX for the prior " verified '' result, and report the account as disputed in the meantime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
What Happened I am submitting this complaint regarding the final settlement of my Ally lease following a XXXX XXXX vehicle claim. Background I leased a XXXX XXXX XXXX XXXX through Ally. The vehicle was subsequently declared a total loss by my insurer, XXXX. My lease included XXXX protection. XXXX informed me that it issued payment to Ally in the amount of approximately {$57000.00}, as reflected in the attached documentation and account records. The attached screenshots from my Ally account also show a payment of {$57000.00} posted on XX/XX/XXXX. Following the settlement, Ally sent me a final account statement claiming that I owe {$1600.00}, consisting primarily of an insurance deductible charge of {$1900.00}, reduced by a credit of {$310.00}. Basis of Dispute I requested clarification from Ally regarding : the final lease payoff amount, the total insurance proceeds received, how the remaining balance was calculated, whether any surplus existed after application of insurance proceeds. I submitted these requests through Allys secure messaging system, email and provided documentation supporting the insurance payment amount. I have attached the lease agreement for reference. My dispute relates specifically to the total loss provisions contained in Section 38 ( a ) and the definition of Unamortized Capitalized Cost contained in Section 38 ( c ). Based on my reading of these provisions, I requested clarification regarding how the deductible balance was calculated and whether the amount claimed is supported by the lease terms. To date, Ally has not provided a detailed accounting showing : the contractual payoff calculation, the Unamortized Capitalized Cost calculation used, the exact insurance proceeds received, how the claimed balance of {$1600.00} was determined, whether any surplus existed after application of insurance proceeds. I am not refusing to resolve any legitimate obligation. Rather, I am requesting documentation sufficient to understand and verify the amount claimed before being held responsible for payment. XXXX XXXX XXXX XXXX this balance remains disputed and unsupported by documentation, Allys reporting has negatively impacted my credit profile and XXXX XXXX. I believe it is improper to report a disputed balance without first providing the information necessary for me to verify the debt and understand how the amount was calculated. The negative reporting has caused financial harm and has affected my credit standing despite my good-faith efforts to obtain clarification and resolve the matter directly with Ally. My requests have been limited to obtaining the documentation and calculations necessary to verify the alleged balance. Those requests have not been adequately addressed.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
RE : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX regarding an account appearing on my XXXX credit report ( Report # XXXX, generated XX/XX/XXXX ). Account Details : Creditor : Credit Collection Service Original Creditor : The XXXX XXXX XXXX XXXX : {$150.00} Date Opened : XX/XX/XXXX Status : Collection Account Scheduled On Record Until : XX/XX/XXXX I am requesting the following : XXXX. Proof that your company is licensed to collect debt in the state of XXXX XXXX. The original signed agreement or contract bearing my signature XXXX. Complete payment history from the original creditor XXXX. Proof that the statute of limitations has not expired XXXX. The name and address of the original creditor XXXX. Proof that the debt has not been sold multiple times XXXX. The exact amount owed and how it was calculated XXXX. Chain of title/ownership showing all transfers of this debt Basis for Complaint : Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request full validation of any debt being reported on my credit profile. This account has already been disputed with XXXX yet continues to report inaccurately. Under FCRA Section XXXX, any information that can not be fully verified must be removed from my credit report immediately. XXXX Requested : Full debt validation XXXX investigation into the accuracy of this account Removal of this account if it can not be fully validated Cease all collection activity until validation is provided I am requesting this in writing so that there is a formal record of this complaint. I expect a response within XXXX days as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
The credit agencies are taking to long for despute to be resolve. I have already made my claims and not resolution has been granted or updated. This account come from Affirm and all credit has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
RE : XXXX XXXX Harris & Harris Ltd To Whom It May Concern, I am filing a formal complaint against Harris & Harris Ltd regarding an account appearing on my XXXX credit report ( Report # XXXX, generated XX/XX/year> ). Account Details : Creditor : Harris & Harris Ltd Original Creditor : XXXX XXXX XXXX : {$130.00} Date Opened : XX/XX/year> Status : Collection Account Scheduled On Record Until : XX/XX/year> I am requesting the following : XXXX. Proof that your company is licensed to collect debt in the state of XXXX XXXXXXXX. The original signed agreement or contract bearing my signature XXXX. Complete payment history from the original creditor XXXX. Proof that the statute of limitations has not expired XXXX. The name and address of the original creditor XXXX. Proof that the debt has not been sold multiple times XXXX. The exact amount owed and how it was calculated XXXX. Chain of title/ownership showing all transfers of this debt Basis for Complaint : Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request full validation of any debt being reported on my credit profile. This account was recently opened as a collection in XX/XX/year> and has not been properly validated. Under FCRA Section XXXX, any information that can not be fully verified must be removed from my credit report immediately. XXXX Requested : Full debt validation XXXX investigation into the accuracy of this account Removal of this account if it can not be fully validated Cease all collection activity until validation is provided I am requesting this in writing so that there is a formal record of this complaint. I expect a response within XXXX days as required by law.

Company response to consumer: Closed with explanation