vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This account is now collection/chargeoff When your account is current, it means that you are on-time with your payments. Keep in mind that account status changes can take time to appear on your credit reports. Check for updates regularly : Account XXXX XXXX XXXX  Account number XXXX Balance {$0.00} Status Collection/Chargeoff Type Miscellaneous Banks Creditor address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD, XXXX Suggested actions to take Did you know that a late payment may result in a derogatory mark on your credit report? Late payments can stay on your credit report for up to XXXX years from the date of the original delinquency. Be sure to avoid late payments in the future. 
Make payments automatic Set up automatic payments for your bills if you can. Do your best to make at least the minimum payment, which will keep the account current and in good standing. Pay extra, ideally the full balance, if possible. This will save you money by reducing the interest you are charged. 
Change your payment due date This information is for educational purposes only and may not be accurate or complete. We are not a credit repair organization, counselor, or advisor. For financial, credit, tax, or legal advice, consult a professional advisor.

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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
learned about this thru several emails within a day telling me about a late payment. Learned that Citibank is the one that reported it to XXXX. I did not have a Citibank card that showed any late payments. I went on to the XXXX  website since apparently that is who the late payments are filed with but still was unable to find out to whom I had a late payment. 
FYI : XXXX  does not allow you to chat with or speak with a live agent. AND they listed the credit card using the first XXXX digits and NOT the last XXXX which would have made it easier to figure out who the creditor was. They listed a phone number which also would not connect me to a live agent and after announcing that they hung up my phone call. 
After almost an entire day trying to determine the source of the late payment I learned that it was Wayfair. I happened to receive an email FROM Wayfair saying my payment was late. So I called them. Spoke to wayfair. Wayfair is owned by Citibank. That is the payment that was late. 
Knowing I always set up any credit card to autopay at least the min balance in order to protect myself from late payments I couldnt understand why my payment ( which was for a legitimate purchase ) was marked as not paid. 
Thru NO fault of my own. I was told that since I hadnt used it in over a year, they CANCELLED my autopay. 
I told them ( Wayfair ) I would pay it immediately, still not understanding why and when they cancelled my autopay which I had put in place when I first opened the card. She was unable to provide me with any information. 
However -- -- -- -- -- -- -- -when I told her to pay it, she asked me if I wanted to pay the bill with the credit card THEY HAD ON FILE. AND APPARENTLY NEVER USED TO PAY THE BILL. 
I spoke with a lady named XXXX no extension This is the date and time of my phone conversation. XXXX XXXX XXXX  XXXX They have no way to confirm when they cancelled my autopay but would only tell me that since there had been no charges over an extended period of time they cancelled it WITHOUT NOTIFYING ME. 
Once I learned what had happened and to whom the $ XXXX was owed I immediately paid it. by then the amt due had increases due to late fees. 

ORIGINAL CHARGE WAYFAIR  XXXX XXXX MA {$8.00} POST DATE XX/XX/2025 TYPE purchase MERCHANT CATEGORY Merchandise-FURNITURE, HOME FURNISHING / EQUIPMENT REFERENCE NUMBER XXXX MY FINAL PAYMENT DETAILS Transaction details PAY-BY-PHONE PAYMENT XXXXXXXX XXXX XXXX XXXXXXXX TYPE payment over the phone using my card on file with Wayfair REFERENCE 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 monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
A bill payment in amount of {$1.00}, XXXX was made on XX/XX/XXXX from my bank, bank rep confirmed payment sent electronically to XXXX, a screenshot showing payment is attached to this complaint. It appears payment has not posted as of today, XX/XX/XXXX. The payment may have gone to incorrect account number, I believe I copy and pasted account number when bill pay set up prior to payment. Please note, this payment is intended to cover month of XXXX, a manual payment posted to account today, XX/XX/XXXX, the amount of {$1000.00} which i attempted to cancel as I had already made previously mentioned bill payment. Unfortunately, the payment dated XX/XX/XXXX did not show as pending or anywhere on XXXX website, no ability or option to cancel. I called XXXX several times to cancel ; they are not open weekends, this payment posted today on Monday. In the event payment gets returned, I request XXXX to rotate account of situation which is connection to bill payment made prior and has not posted as of yet, possibly due to an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX Credit Bureau : XXXX  RE : DEMAND FOR DELETION OF INACCURATELY REPORTED CLOSED ACCOUNTS Account Name ( s ) : Aldous, XXXX Account Number ( s ) : XXXX, XXXX To Whom It May Concern, I am disputing the accuracy and reporting of the above-referenced closed accounts currently appearing on my credit report.

These accounts are being reported with inaccurate information, including but not limited to : Incorrect payment history Inconsistent reporting across bureaus Incomplete or misleading status details Under FCRA 611, any account that can not be fully verified as accurate and complete must be deleted from my credit file.

I am requesting that you provide proper verification for each account, including : Original account agreement Complete payment history Proof of reporting authority Evidence of accuracy at the time of reporting If this information can not be provided, I am formally requesting immediate deletion of these accounts from my credit report.

Please be advised that re-reporting inaccurate or unverifiable data after this dispute may be considered willful non-compliance with federal law.

I expect written confirmation of deletion or correction within the required 30-day investigation period. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
On or about XXXX XX/XX/year>, I discovered my loan with Rushmore servicing had been paid in full. I had not requested a payoff quote nor had I requested to initiate refinancing action, so I attempted to contact Rushmore servicing. I was only able to obtain a corporate deed of release. 
I now have no way of accessing information regarding my property and I would like some answers. 
Your assistance with this matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I transferred Membership Rewards points from my American Express card to an airline partner ( XXXX XXXX ) for a specific award redemption shown as available at the time of transfer. 

The airlines system repeatedly fails to ticket the booking and has confirmed the itinerary is unbookable. As a result, the transferred points are unusable and stranded with the partner. 

American Express has refused to provide a remedy despite the partners failure to deliver the advertised redemption. I am requesting assistance resolving this failure of a card benefit. 

I called american express to fix this, asked to be transferred to their escalation team, and then they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: YSA ARM LLC DBA Oxygen XL
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX. 
I am unable to reach you to clarify an issue regarding my problem loan. 
Please contact me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
receiving emails from Halsted Financial about debt that is not mine, and they are threatening to sue me, and harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Auto Finance contacted my mother XX/XX/year> at XXXX regarding my auto loan.The gentleman disclosed information regarding my loan with her. She is not a co-signer or authorized party. This caused distress and violates my rights. I am requesting that Capital One stop all third-party contact and address this improper communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXXPatient is a victim of medical malpractice and XXXX in CE Florida and Pennsylvania. Her identity has been stolen and confirmed compromised. She is receiving threats and harrassment.XXXX She is receiving harrassment from a medical company called: XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease look into other patients, they have been doing this for years. They seek out single women intentionally to exploit.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: AL

Complaint narrative:
AR Resources is furnishing a medical collection account in the amount of {$1100.00} to XXXX without providing the documentation required to verify the accuracy and legality of the debt. 

Specifically, the furnisher has failed to provide an itemized medical billing statement identifying dates of service, XXXX codes, individual charges, adjustments, insurance offsets, or write-offs. A lump-sum balance alone is insufficient to establish accuracy under the Fair Credit Reporting Act. 

Additionally, AR Resources has not produced any documentation showing my authorization or consent to disclose protected medical information or to report this alleged debt to consumer reporting agencies, raising HIPAA and privacy compliance concerns. 

Despite these deficiencies, the account continues to be reported as a collection, indicating a failure to conduct a reasonable investigation as required by 15 U.S.C. 1681e ( b ) and 1681i ( a ). 

As reported, the account is unverifiable, incomplete, and inaccurately furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I need help with my Citi checking account. Over the past week, I've had a nightmare experience trying to simply use MY MONEY. Every single time I try to purchase something, whether it's {$1.00} or {$1000.00}, my debit card is immediately locked and I get a host of fraud texts and calls and emails. I confirm each and every single one, and I'm still forced to call the fraud department and spend 20-30 minutes confirming the exact same transactions I already confirmed 3 different ways. They'll unlock my card, and it'll work for one or two transactions, and then right back to being locked and I have to go through it all over again. I've called over a dozen times already and each time they assure me it's all set and won't happen again. Fast forward to this morning when I tried to spend {$3.00} on an energy drink and it declined again. I called the fraud department and was told my account is now locked for 72 hours and I just have to sit and wait for someone to maybe possibly reach out to me to fix it within the next 3 days. This is ridiculous. Not only can I not spend MY MONEY without worrying about the card declining and having to spend an hour jumping through hoops and talking to multiple people just for the slight chance they'll be able to get it to work again, but now I'm stranded for THREE DAYS WITHOUT ACCESS TO MY MONEY. Citi refuses to offer and help and now is holding my money hostage illegally.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
The amount {$910.00} Midland Credit Management is requesting. A Notice to Cease all communication was sent XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of 15 U.S.C. 1681i, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Company calls repeatedly sometimes multiple times a day that starts at XXXX. They call and then when answered they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I contacted Sequium Asset Solutions , LLC to dispute an alleged rental debt related to XXXX XXXX XXXX  ( XXXX XXXX ) because the amount was inconsistent and I had been quoted multiple different balances. I requested proof of the debt and records from the original creditor. 

On XX/XX/XXXX, I sent Sequium Asset Solutions a formal written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requesting the amount of the alleged debt, the name and address of the original creditor, a copy of any agreement bearing my signature, a detailed accounting of the charges, and proof that Sequium Asset Solutions was legally authorized to collect the debt. I reiterated that the debt was disputed. 

On XX/XX/XXXX, I followed up in writing, again disputing the debt and notifying Sequium Asset Solutions that I receive XXXX XXXX XXXXXXXX XXXX ( XXXX  ) as my sole source of income and that such income is federally protected from garnishment or seizure under 42 U.S.C. 407. I again requested proper validation and demanded that all collection activity cease while the debt remained in dispute.

Sequium Asset Solutions did not provide proper validation of the debt. The only documentation provided consisted of an unverified move-out statement and balance summary. No signed lease or agreement was provided, no detailed itemization tied to lease terms was supplied, and no proof of assignment or authority to collect from the original creditor was provided.

Despite the unresolved validation request and ongoing dispute, Sequium Asset Solutions reported the alleged debt to the credit bureaus in XX/XX/XXXX, resulting in damage to my credit. Reporting a debt after a timely validation request without first providing proper validation constitutes prohibited collection activity under 15 U.S.C. 1692g ( b ).

I subsequently disputed the tradeline with the credit bureaus for inaccuracy and filed this complaint because Sequium Asset Solutions resumed and continued collection activity, including credit reporting, without complying with federal validation requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I am writing to report that Wells Fargo has opened an account in my name using my Social Security number without my authorization or consent. I recently received a Form XXXX reflecting interest income of {$10.00}, which indicates that an account was created and reported to the IRS under my personal information. 

When I contacted Wells Fargos XXXX  department, the representative stated they were unable to access details about the account and declined to investigate further. I was instructed to visit a local branch to resolve the issue. I will not visit a branch because I did not open the account, and I believe this situation represents a fraudulent misuse of my personal information. 

I request that this matter be fully investigated, that all fraudulent accounts opened in my name be closed, and that I receive written confirmation of the findings.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of an account reported on my credit file. The account in question was opened and/or incurred during a period in which I was incarcerated and therefore could not have been initiated, authorized, or used by me. 

Disputed Account Information : ORIGINAL CREDITOR NAME : XXXX XXXX. 
- Creditor Name : TRANSWORLD SYSTEM INC. 
- Account Number ( or partial ) : XXXX Date Opened/ Charged : XX/XX/XXXX / XX/XX/XXXX AMOUNT : {$1600.00} I was incarcerated from XX/XX/XXXX to XX/XX/XXXX at [ XXXX XXXXXXXX XXXX XXXX  During this time, I did not have the ability to open accounts, apply for credit, or conduct financial transactions. As a result, this account is inaccurate and appears to be fraudulent or the result of identity theft. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that this account be investigated immediately and removed from my credit report. I am prepared to provide documentation confirming my incarceration if required. 

Please provide written confirmation once this matter has been resolved and the inaccurate information has been deleted or corrected. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
At approximately XXXX XXXX. Central Time, I received an alert indicating that a new account had been reported on my XXXX  credit file. I immediately reviewed the notification, which stated that an account had been opened with Chime Financial XXXX. I have no affiliation with this institution and have never held an account with them. 

I contacted Chime Financial directly to inquire about the matter. However, they declined to provide any information. After collecting my personal details, they informed me that they were unable to disclose anything further. 
Following this interaction, I filed a claim with XXXX  to dispute the unauthorized account and initiate an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
Hello, to whom this may concern XXXX XXXX XXXX company is charging me every month a maintenance fee of {$12.00} since the account was closed by the creditor ( s ) the closure of the account was in XXXX of XXXX the XXXX  credit card act protects the account holder of any credit card company to charge a maintenance fee for an inactive account. i tried to call & resolve the issue, however, they are giving me a hard time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief