vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Management Services, Inc.
State: PA

Complaint narrative:
Company : American Management Services Complaint Summary I am filing this complaint regarding an alleged collection account being reported by American Management Services that originated from a former employer, XXXX XXXX. I first became aware of this alleged debt after American Management Services contacted me via phone. They did not have my correct address or other relevant information. I corrected their information several times and requested written documentation verbally several times. I never received the initial written collection notice that I understand debt collectors generally send when attempting to collect an alleged debt. On XX/XX/year>, I mailed a written request for debt validation to American Management Services via certified mail. USPS records confirm that the letter was delivered. My letter requested documentation supporting the debt, including evidence that I owed the debt, an itemization of the balance claimed, and documentation establishing American Management Services ' authority to collect the debt. I received no response. On XX/XX/year>, I mailed a second written request reiterating my request for documentation. Again, I received no response. Despite receiving my written correspondence, American Management Services has never provided any documentation supporting the alleged debt. The collection account continues to be reported on my credit reports. I disputed the account with XXXX on two separate occasions. During a telephone conversation with XXXX after the second dispute was completed, I was informed that the account had been verified through ( XXXX XXXX of American Management Services in XXXX XXXX, Utah. ) However, American Management Services has never provided me with any documentation despite my written requests. This collection account has caused significant damage to my credit profile. My credit score decreased from approximately XXXX to approximately XXXX, and I have experienced difficulty obtaining financing as a result. I respectfully request that American Management Services provide all documentation supporting this alleged debt, including any agreements, employment documents, invoices, assignment documents, or other records establishing the validity and amount of the debt. If American Management Services can not substantiate the debt, I request that the account be removed from all consumer reporting agencies. Attached are copies of my correspondence, USPS proof of delivery, and supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: OH

Complaint narrative:
MRS BPO {$200.00} please remove from all 3 credit reporting agencies XXXX XXXX XXXX and XXXX

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX, my mother was airlifted to the hospital with a XXXX XXXX. She was in and out of XXXX hospitals over the next 3 months and passed away on XX/XX/XXXX. During this time, check were being 'written ' to a company, XXXX XXXX XXXX, using her checking account and her initials for the signature. We discovered the checks in XXXX and stopped withdrawals at that time. They had written XXXX checks for {$12000.00}. I am a joint owner on the account because my mother is a widower. We filed a fraud claim with US Bank on XX/XX/XXXX with the help of her local branch. It was denied for this reason - " As outlined in XXXXYour Deposit Account Agreement, ' under section Your Duty to Examine Your Statement, you're required to notify US Bank of any forgenes within 30 days from the mailing of your account statement or making the statement available to you. The first unauthorized item posted to your account was included in your XX/XX/XXXX statement. However, you did not notify US Bank of your claim until XX/XX/XXXX. Since no notification was made within 30 days of the statement date of the first occurring forgery and because the unauthorized activity involved the same wrongdoer, the opportunity to assert a forgery claim for this activity against US Bank has expired. '' I refiled the fraud claim, with more information and a police report and with the help of another branch on XX/XX/XXXX. I have not heard anything from US Bank. The bank is claiming that we should have caught the fraud sooner, because I should have been checking the statements. Until my mother was in the hospital, she took care of her own finances. I am simply a back up on the account. We are disappointed that US Bank did not catch the fraudulent checks. The checks have her name, address and correct account numbers, but the mix of printing and cursive on the checks and her initials as the signature should have been a red flag for the bank. She has banked at that branch for over 50 years. I have the price report, bank statements and both fraud claims that I filed with US Bank and can make the available.

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 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
I am filing this complaint because Sunrise Credit is attempting to collect and/or report a disputed account that was previously removed from my credit report and has now been added back. The account is listed as Sunrise Credit there is two accounts listed that's listed on my FTC report. alleged balances {$490.00} and {$2300.00}. I dispute this account as inaccurate, incomplete, unverifiable, improperly reinserted, and not compliant with XXXX XXXX credit reporting standards. This item was previously deleted/removed from my credit report after a dispute. It has now reappeared/reinserted without proper proof that the furnisher certified the account as complete and accurate and without proper reinsertion notice to me. I am requesting that the company provide proof of the date of deletion, date of reinsertion, the certification of accuracy used to reinsert the account, the method of verification, the complete chain of title, account-level documentation, itemized balance calculation, date of first delinquency, payment history, and all documents used to verify that I am legally responsible for this alleged debt. I believe the company and/or credit reporting agencies are relying on automated verification rather than conducting a reasonable investigation. A reasonable investigation should not consist of simply confirming information through an electronic system. The account must be verified through original, competent, account-level documents. This account is causing harm to my credit file, credit score, and ability to obtain credit. I am requesting immediate deletion if the company can not provide complete and accurate account-level documentation and proof that the account was lawfully reinserted after deletion.

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist Bank has completely frozen my bank account due to a fraudulent check deposit. I am XXXX XXXX XXXX and am the innocent victim of an online scammer who lied to me and gave me this check. I did not know if the check was real or fake, so I used mobile deposit to see if it would process, but I left the funds completely untouched once they went in. I have already filed an official report regarding the scammer with law enforcement.Truist is currently withholding my own original, legitimate balance that was already in my account prior to this incident. I called Truist XXXX XXXX XXXX Department ( XXXX ) and they refuse to let me access my own earned money, telling me it could take months.Withholding my original funds is causing me extreme financial hardship right as I start a new job. I demand that Truist separate the fraudulent check funds, release my original legitimate balance to me immediately, and my account number 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 2026-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: VA

Complaint narrative:
I am writing to formally dispute and appeal the recent decision by Sallie Mae to deny my Total and Permanent Disability ( TPD ) loan discharge. As a disabled veteran who honorably served our country, I am facing significant financial hardship and believe my denial was unjustified. Requested information, completed application, denied because of missing information from Veterans Administration. ( XX/XX/year> ) Resubmitted information, denied because of incomplete application. XXXX XXXX info sent, but application was not signed by a VA doctor, but application clearly states that " no signature needed if VA Letter is attached ''. ( XX/XX/year> ) Resubmitted information, denied because I am not the student. ( XX/XX/year> ) I speak with a rep weekly who keeps regurgitating that I need to resubmit paperwork as as sole borrower ( which I have ), yet I'm still being denied. I've spoken with the military section and was told to keep resubmitting for review ( which I have ) and still, I'm denied. I am sole borrower and sole responsible party. I am XXXX XXXX XXXX XXXX and not employed. This denial fails to properly recognize the severity of my service-connected medical condition. Sallie Maes internal guidelines state that loans may be waived for borrowers who are permanently and totally disabled. The evidence I provided thoroughly meets this threshold. Furthermore, my earnings are strictly tied to minimal income below poverty thresholds, which should not disqualify me from being recognized as disabled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: IL

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, I'm 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 believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 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: NJ

Complaint narrative:
Bank of America issued a new credit card ( XXXX XXXX - XXXX XXXX ) which fails to comply with its own documented offerings. Specifically, it fails to allow XXXX XXXX reward points to be used for reducing the final payment for future cruises. The XXXX XXXX website and/or customer service are unable/unwilling to allow me to utilize 47,070 reward points ( {$470.00} ) to reduce the final balance for a future XXXX XXXX XXXX ( reservation XXXX XXXX - depart XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX I am a XXXX XXXX XXXX ( ID # XXXX ). My preferrece for any contact resolution is my e-mail address : XXXX as I wish to have all communication fully documented.

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 2026-06-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I signed up for their services and even paid the fee on Transunion.com I asked them repeatedly to remove the credit freeze from My account and they keep saying they won't even though I passed every identification check. I wanted them to update My name to XXXX XXXX XXXX. They refused to update My name and remove the credit freeze for no reason. I put an alias as My name because during the time I did want the credit freeze to make sure no one used My account or could hack, but now their system is glitching and saying it won't allow Me to update the name from the temporary alias. I got concerned because their alerts said someone was on the darkweb looking at credit info but realized it was just a regular type of alert.

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank closed my checking account after informing me that it was being closed due to suspected fraud. At the time the account was closed, the remaining balance was over {$1000.00}. I was informed that my remaining funds would be returned by mailed check. However, I urgently need access to these funds, and waiting for a check in the mail creates a significant financial hardship. I contacted Truist to ask whether the check had already been mailed and requested that, if it had not, my funds be returned through a faster method, such as an ACH transfer to another bank account, a wire transfer, overnight delivery of the check, or a cashier 's check available for pickup at a branch. I also offered to provide any documentation or identity verification necessary to facilitate the release of my funds. I understand the bank 's responsibility to investigate suspected fraud and have expressed my willingness to cooperate fully. My complaint is not about the bank 's decision to close the account but about obtaining the prompt return of my remaining funds through the fastest available lawful method. I am requesting that Truist review my case, advise me whether the refund check has already been mailed, and, if it has not, provide my remaining funds through an expedited method if 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 2026-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I requested a temporary hardship accommodation due to a medical ( under doctor 's care ) leave from work. I explained that I have been out of work for several weeks and have been receiving short-term disability benefits, which significantly reduced my income. Because of my financial situation, including my mortgage and other essential living expenses, I requested either : A two-month payment extension with no partial payments required until I return to work in XXXX and can resume making regular payments at the end of XXXX ; or A reduction in my monthly payment during this temporary hardship period. Ally denied my requests for assistance. I explained that my financial hardship is temporary and directly related to my medical leave, and that I fully intend to resume making payments once I return to work. I believe Ally did not provide a reasonable hardship accommodation despite being informed of my circumstances.

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 2026-06-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint I am filing a complaint against Wells Fargo regarding its failure to release a lien on equipment that was paid off years ago. The loan has been satisfied for years, yet Wells Fargos lien remains on record with the Pennsylvania Department of Transportation ( PennDOT ). Because of this unreleased lien, PennDOT refuses to issue my title, making it impossible for me to sell my equipment. I opened a case with Wells Fargo on XX/XX/year> ( XXXX XXXX. XXXX ). Since then, Wells Fargo has repeatedly delayed the matter. Instead of resolving the issue, I recently received another notice stating they need more time without providing any explanation for why a paid-off lien still has not been released. To make matters worse, Wells Fargo has asked me to provide a copy of the title. I can not provide a title because PennDOT will not release it while Wells Fargos lien remains active. Wells Fargos failure to release the lien is the very reason I do not have the title. As a result of Wells Fargos delay : I am unable to complete the sale of my equipment. I am at risk of losing my buyer. I have spent more than a month attempting to resolve what should have been a routine lien release. I have suffered unnecessary financial harm due to Wells Fargos failure to timely release a lien on a debt that was paid in full years ago.

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 2026-06-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: NJ

Complaint narrative:
Netspend closed my account with no explanation and HAS NOT RETURNED MY {$4100.00} IN FUNDS. I just randomly got an email one day and they email said my account was closed. I called on XX/XX/XXXX and asked them to overnight my funds to me via check and they never did so. I want damages, my account to be re-opened, and my funds to be mailed to me in an overnight check 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 2026-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I filed my complaint with CFPB before. My complaint Number is : XXXX All company ( US Bank ) send me are the Terms and Conditions of credit card. My request was something else. I asked for proof that credit card company notified me before closing my credit card, which resulted in loosing my rewards. Issue is not resolved. They ( US Bank ) is refusing to deal with the main issue, instead they're going in circles.

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
XX/XX/year> Our USAA Checking account was locked and closed with {$3300.00} and they will not answer our calls or give us next steps and we now have XXXX money to our name.

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 monetary relief
Consumer complaint received 2026-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and, Proof of Address.

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