vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
OFFICIAL CONSUMER COMPLAINT SUMMARY Nature of Dispute : Unlawful Withholding of Funds, Breach of Fiduciary Duty, and Deceptive Trade Practices. 
Involved Institution : Ally Bank / Ally XXXX Account Type : Banking & XXXX XXXX. XXXX of Facts : On XX/XX/year>, Ally Bank placed a total freeze on my banking and brokerage accounts under the guise of " fraud prevention. '' On XX/XX/year>, I spent over XXXX hours on a recorded line successfully completing all identity verification and security protocols required by Ally. Despite this, Ally has refused to restore my access. 

I am a resident of Illinois currently traveling abroad. I have explicitly informed Ally of my current location. Despite this knowledge, Ally is now attempting to " offboard '' my accounts by mailing a physical paper check to my unoccupied XXXX residence. I have demanded they electronically transfer funds to XXXX of XXXX linked bank accounts. 

XXXX. XXXX & Regulatory Violations : Constructive Denial of Funds ( UDAAP ) : By insisting on mailing a check to a location they know I can not reach, Ally is engaging in an " Unfair and Deceptive Practice. '' This creates a substantial injury that I can not avoid, as I am physically unable to retrieve the funds. 

Illinois Consumer Fraud Act ( XXXX ILCS XXXX ) : The banks refusal to use secure, electronic means ( Wire Transfer ) to return my capitalknowing the check will be at risk of theft or loss at an empty residenceis a deceptive business practice. 

XXXX Rule XXXX & XXXX : Ally XXXX is in violation of rules regarding the " Improper Use of Customers Securities or Funds. '' As an active investor, the continued lockout prevents me from managing volatility, leading to measurable " XXXX XXXX '' damages. 

Regulation E ( Electronic Fund Transfer Act ) : Failure to provide a secure and reasonable path to access my funds. 

XXXX. Economic Impact & Damages : Due to this lockout, I have been unable to manage my brokerage positions during market fluctuations. I am claiming : Market-Adjusted Losses : Difference in asset value from the date of the requested trade to the date of release. 

Statutory Interest : 5 % per annum under the Illinois Interest Act for funds unreasonably withheld. 

Consequential Damages : Costs associated with being stranded abroad without access to my primary capital.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/year>, I was the victim of a scam involving XXXX impersonation. I received messages from an individual who falsely represented themselves as a trusted colleague. The messages appeared credible and consistent with prior legitimate communications. Based on this impersonation, I authorized a XXXX payment, believing I was sending funds to that legitimate person. 

The payment of {$2500.00} ( as {$900.00}, {$900.00}, {$700.00} ) and was sent via XXXX from my U.S. Bank account. I did not intend to send money to a scammer and would not have authorized the transaction had I known the recipient was fraudulent. 

Find the XXXX account below of the scammer. 
Name : XXXX XXXX XXXX : XXXX After discovering the impersonation, I immediately contacted U.S. Bank to report the fraud and requested a refund. I cooperated fully with the fraud investigation and provided details of the deception. Despite this, I was later informed verbally that my claim was denied. I did not receive a written denial or a clear explanation of the policy basis for the decision. 

This was not a dispute over goods or services, and not buyers remorse. The transaction occurred due to fraud and impersonation, which removed informed consent. I am requesting that U.S. Bank reconsider the claim under fraud-related protections and provide a written explanation of their decision.

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 2026-01-29 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Company : American Express Product : Credit Card Issue : Billing dispute / chargeback denied State where transaction occurred : District of Columbia Complaint Narrative I am filing a complaint against American Express for refusing to reverse charges for home improvement services that were collected unlawfully under District of Columbia law.

I paid a merchant for home improvement services in the District of Columbia. After payment was made, I discovered the merchant was not licensed as required under applicable District of Columbia home improvement regulations, and thus did not have legal authority to accept payment for the services provided. The work was also not code-complaint, and I had to redo a lot of the work.

Under District of Columbia Municipal Regulations, no person shall require or accept any payment for a home improvement contract unless properly licensed as a home improvement contractor or as a licensed salesperson employed by a licensed contractor. 16 DCMR 800.1. The regulations define home improvement work broadly to include remodeling, repair, alteration, improvement, or replacement of residential property. Any money paid to an unlicensed contractor is recoverable by the homeowner. 


I provided American Express with documentation showing : The charges were for home improvement services performed in the XXXX XXXX XXXX 

The merchant was not licensed as required by XXXX XXXX XXXX law. 

Under 16 DCMR 800.1, the merchant had no legal authority to accept payment and the contract is therefore void and any payments are recoverable. 


Despite receiving this information, American Express denied my dispute and allowed the merchant to retain payment from an unlawful transaction, stating that the merchant claimed that there were no issues with quality of the work ( false- the work was not code compliant ) and that I never asked if the merchant is licensed ( irrelevant ). 


By refusing to reverse charges arising from a transaction that was unlawful under District of Columbia law, American Express facilitated and upheld an illegal transaction in violation of the Fair Credit Billing Act and failed to protect my rights as a consumer. American Express did not provide any legal justification grounded in statute or regulation for allowing an unlicensed merchant to retain funds obtained through an unlawful transaction. 


This is not a simple service-quality dispute. The underlying transaction was unlawful because the merchant lacked the license required under District of Columbia law, and American Express was put on notice of the illegality yet still refused to correct the billing error. 


Please see attached the dispute letter. I would be happy to provide any other evidence as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
We are filing this complaint because LoanDepot has failed to properly apply our mortgage payments, has ignored a federal bankruptcy court order, and has continued to report us as delinquent even though our loan was legally deemed current. 

We completed our XXXX XXXX XXXX  in XX/XX/2022. On XX/XX/2022, the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) issued an order stating : Our LoanDepot mortgage was current as of XX/XX/2022 All escrow deficiencies were cured All fees, advances, and charges were satisfied Our next payment due was XX/XX/2022 LoanDepot was solely responsible for any shortfall or failure to respond The XXXX  XXXX XXXX also confirmed that LoanDepot agreed the next payment due was XX/XX/2022. 

Despite this, LoanDepot misapplied our first postbankruptcy payment ( made XX/XX/2022 ) to XX/XX/2022, a month already paid by the Trustee. They then applied later payments to XXXX and XX/XX/2022, also already paid. This created a false chain of delinquencies. 

LoanDepot has since : Reported us late to the credit bureaus Charged improper late fees Added corporate advances and escrow adjustments that contradict the court order Created a negative escrow balance of more than {$10000.00} Sent inaccurate statements showing missed payments that were never missed We have contacted LoanDepot repeatedly, including their bankruptcy department and their legal counsel. We also involved our attorney and the XXXX  XXXX XXXX  office. LoanDepot has not corrected the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
To Whom It May Concern, I recently received communication regarding an alleged debt. I do not know who the collector is or have full details of this account. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide validation of this alleged debt, including : 1. The amount of the debt. 2. The name of the original creditor. 3. Documentation showing that I am legally obligated to pay this debt. 4. Proof that you are authorized to collect on this debt. Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to any credit bureaus. Please respond in writing to the address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint regarding Suncoast Credit Unions mishandling of my auto loan and their failure to honor a written payoff notice they issued to me.

Suncoast Credit Union sent me an official written letter stating that my auto loan had been paid off. This letter was clear, unambiguous, and appeared to be a final and authoritative communication regarding the status of my loan. I relied on this written confirmation as accurate and complete.

Suncoast later claimed that the payoff letter was issued in error. However, they never provided a written correction, explanation, or acknowledgment of their mistake. Instead, Suncoast unilaterally created a new loan, mailed me a new loan packet, and proceeded as if the original payoff notice had no effect. This was done without proper disclosure, borrower acknowledgment, or written clarification of how or why the original loan was allegedly reinstated. 
I contacted Suncoast in writing to dispute this issue and to request clarification. Although I initially received a response from a representative, Suncoast failed to respond to my follow-up email in which I reiterated my concerns and requested resolution.

Suncoasts actions are unprofessional and misleading. Issuing a written loan payoff notice and then attempting to reverse it without formal correction or borrower consent creates serious compliance, consumer protection, and credit reporting concerns. 
Resolution Requested : I am requesting that Suncoast Credit Union honor the written payoff letter they issued and fully satisfy the auto loan as stated in that notice. 
In addition, I request that Suncoast : Provide written confirmation that the loan is paid in full Release any lien associated with the vehicle Confirm that my credit report reflects the loan as paid and closed with no negative impact Provide documentation acknowledging their error and corrective action This matter has caused unnecessary stress and concern due to Suncoast Credit Unions failure to communicate transparently and responsibly regarding a legally significant loan document.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: OK

Complaint narrative:
Had XXXX and Huffman LLC pop up on my reports and never received a thing from them. Stating a balance of {$360.00}. Ive also had this company calling and harassing family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent a XXXX on XX/XX/year> in the amount of {$2000.00} to an individual for services of work done on my house. In the memo I wrote the painters initials and Bank of America blocked my funds and will not be released .. they are being held regulatory review for sanctions to release 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 non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am disputing a medical debt being reported under my name by Bulls City Financial Solutions, originally associated with XXXX  XXXX, with a reported balance of {$620.00}. 
I have previously disputed this account, and the information continues to appear on my credit report as inaccurate or unknown. Bulls City Financial Solutions has not provided sufficient documentation to verify the accuracy of the debt, including a complete itemized statement of services, dates of service, or proof of patient responsibility. 
Medical debt is subject to additional consumer protections. Reporting this account without proper validation or documentation appears to violate the Fair Credit Reporting Act ( FCRA ). 
I am requesting that Bulls City Financial Solutions provide : A complete, itemized billing statement showing services and charges Dates of service Documentation showing my responsibility for this debt Documentation used to verify the account with the credit bureaus If this information can not be provided, I request that this account be removed from my credit report immediately. 
I also request that all reporting cease until the dispute is fully resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TX

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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 efficiency of 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 timely 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 mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Complaint Against Cash App ( Block , Inc. ) Dispute mishandling and Regulation E violation I am filing a complaint regarding a recent fraudulent transaction I disputed through Cash App involving a loss of {$1000.00}. I filed the dispute on XX/XX/year>, and it was denied in less than two full business days, which is in clear violation of the 10-business-day window Cash App claims to follow for dispute investigations. 

Worse, Cash App failed to issue a provisional credit during the dispute, despite the fact that Regulation E requires that if an investigation can not be completed within 10 business days, the financial institution must provisionally credit the consumers account within that time frame.

Cash Apps own support representative acknowledged that a provisional credit is allowed and could be issued. However, I never received it. Instead, they closed the dispute before the proper timeframe had even elapsed and without any evidence of a full or fair investigation. 

I provided extensive evidence, including screenshots showing : The account the money was sent to had no prior transaction history with me The transaction appeared suspicious and irregular I had no intention of authorizing or approving this transfer The user profile receiving funds did not appear to belong to a known contact This rushed denial, combined with their failure to credit my account during the process, amounts to a violation of my rights under Regulation E ( 12 CFR 1005.11 ).

Requested Resolution : I want the dispute reopened and investigated properly within the required time frame. 
I want a provisional credit issued immediately as required by law. 
I want written confirmation that Cash App will address this violation and update their dispute handling protocol to remain in compliance with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: OH

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Untimely response