vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
Halsted Financial Services was emailed a copy of a request for validation with documents to do so as well as a cease and desist on XX/XX/XXXX. Emails have been daily and have continued since the email was sent. A paper copy was certified mailed to the company XX/XX/XXXX as well. They were threatening legal action prior to the email I sent, have stopped doing so since my email, but they were to stop communicating via email per request and still are.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am submitting this formal complaint against Citibank , N.A . for unlawfully restricting my access to funds held in a consumer savings account without sufficient notice, justification, or a timely reactivation process. 

Citibank imposed a full restriction on my online savings account solely on the basis that I had not initiated an outbound transaction for approximately XXXX years. During that time, I made deposits, maintained a positive balance, and remained reachable. I am the undisputed owner of the account. 

Despite verifying my identity and requesting reactivation, Citibank has continued to deny access to my funds, including prohibiting withdrawals or transfers. Citibank has failed to provide a meaningful, timely, or reasonable path to regain access to my money. 

I am a resident of Pennsylvania, where financial accounts are not deemed abandoned until approximately XXXX years of owner-initiated inactivity. This account is not abandoned, has not been escheated, and is not subject to any legal process or fraud hold to my knowledge. Citibank has not alleged fraud, legal restraint, or court order.

Citibanks conduct raises concerns under the Consumer Financial Protection Act, including but not limited to : Unfair acts or practices by materially interfering with my ability to access deposited funds Failure to provide clear, timely, and adequate notice Imposition of unreasonable account restrictions unrelated to abandonment or legal restraint I respectfully request that the CFPB investigate Citibanks practices, require immediate restoration of access to my account, and ensure that Citibanks inactivity policies comply with federal consumer protection standards.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: OH

Complaint narrative:
I am getting daily phone calls on my answering machine for the last month from a number shown as XXXX XXXX, OH on my CALLERID. The caller was not leaving any message that I could understand. The caller finally identified himself today as XXXX XXXX from Credit Control LLC looking to discuss a debt with XXXX XXXX. No one at my address is named 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 2026-01-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I disputed charges related to a XXXX because the services were not rendered as agreed, and i provided dated reference photos, text messages, and request. Synchrony has denied my dispute on XX/XX/year>, despite the provider not providing XXXX reports, which are required under HIPPA. I am requesting that CFPB review this case for improper dispute handling and failure to protect consumer rights.

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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
XX/XX/year>, tried to change my flight because of accident which made me cut my trip short in order for me to get home quickly to see my doctors. XX/XX/XXXX sent a message to the cc travel center ( auto response told me I needed an XXXX code ) in order to change my flight. I requested them to send me the code so I could do this. I did not hear back from them at all. I tried calling their customer service ( travel service ) and received a recorded message which stated I needed to call during XXXX hours of operation. I was in XXXX, the injury warranted me to return asap, I booked my own flight which ended up costing a lot. Last of XXXX flights on plane. Travel service never got back to me at all. I also had to contact the flight I was initially on to cancel, I needed the XXXX code for that as well. No one ever got back to me. The airlines which I was flying home on my initial reservation were kind enough to remove me from the flight so I would not be considered a no-show. I would like reimbursement for the flight I had to book on my own. I have contacted the company twice now and they tell me since I did not use the. Travel service to book my return flight ( even though they did not get back to me with the information I needed to do so ). They were not responsible for reimbursing the amount of the flight I had booked on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial is reporting an auto loan charge-off with a balance of {$42000.00} as a profit and loss write-off. The vehicle was impounded and sold at auction by the XXXX Police Department without notice to me or the lienholder. 

I never received notice of repossession, intent to sell, auction date, sale price, or a deficiency balance calculation. Despite disputing with XXXX XXXX XXXX, Ally continues to report the account without providing verification of lawful repossession, required notice, or accurate balance. 

Ally has not demonstrated compliance with FCRA verification requirements or UCC Article 9 procedures. I am requesting that Ally either provide full documentation supporting this reporting or delete the tradeline due to unverifiable and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: PA

Complaint narrative:
I must emphasize that this complaint is legitimate and not erroneous. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are exerting a significant and ongoing negative impact on my life, affecting me in profound ways. Resolving these inaccuracies through correction or removal would provide substantial relief and support during this challenging period.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Third Hardy Company LNVL bought bad debt from original creditors. The accounts were open fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: VI

Complaint narrative:
I am writing to formally express my concern and disappointment regarding the exclusion of U.S. territories from eligibility for the American Express XXXX XXXX XXXX XXXX statement credit. 

I am a Platinum Card Member in good standing and a resident of the XXXX XXXX XXXX, a United States territory. While reviewing the terms of this benefit, I learned that purchases shipped to XXXX territories are excluded. This is particularly frustrating given that residents of XXXX territories pay the same annual fees as cardmembers in the continental United States. 

In an effort to explore any possible alternatives, I contacted American Express customer service today to inquire whether purchasing the XXXX XXXX through XXXX or another authorized retailer could be manually credited. I was informed by the representative that this would not be possible, as the request falls outside the stated terms and conditions of the benefit. While I understand adherence to policy, this interaction further highlighted that there is currently no viable path for U.S. territory residents to access this advertised benefit. 

The XXXX XXXX and its required membership already represent a significant financial commitment. Excluding XXXX territory residents from this wellness credit feels inequitable and inconsistent with the XXXX XXXX positioning as a premium product intended to deliver equal value to XXXX cardmembers. 

As XXXX citizens living in XXXX territories, we frequently encounter limitations on benefits and promotions despite holding identical card products and paying the same fees. This policy reinforces that disparity and diminishes the overall value of the XXXX XXXX for territory-based members. 

I respectfully request that American Express reconsider this exclusion or provide an alternative accommodation for XXXX XXXX XXXX residing in XXXX territories. At minimum, clearer disclosure of these exclusions at the point of marketing would help prevent confusion and frustration. 

Thank you for your time and consideration. I hope American Express will take this feedback seriously as part of its commitment to fairness, transparency, and customer satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Im a member since XXXX with Citi bank ( citi XXXX  credit card ). I did report a fraud of an unauthorized credit card transactions on my account made between XX/XX/XXXX and XXXX amount was {$370.00}. I was out of country XXXX and Ive the proofs that I will join with my report ( passport copy and air plain ticket ). I did report the fraud within the time frame. Exactly on XX/XX/XXXX through the chat app on my phone and I BLOCKED ALL MY CITI ACCOUNTS.The Bank started disputing the charges the same month XXXX and I received XX/XX/XXXX a statement bill with a balance of - {$6.00} stating that the unauthorized charges under investigation. On XX/XX/XXXX I received a statement bill with - {$6.00} with no details. For me I understand that the bank had resolved the fraud claim reasonably. After that, I did call the customer service and closed my account through the phone and they send me a confirmation for that. To my surprise they started calling me on XXXX to collect the money of the unauthorized charges of the amont of {$370.00}. And they told me the bank had reversed the charges after investigations and with no further explanation or letter or statement. 
I did call the fraud department On XX/XX/XXXX and they couldnt give me any explanation or information of how to appeal their decision, after the agent she transferred me to Security operations ( XXXX ), I spoke with an agent she couldnt give me any answer and she kept me on hold and after she was telling me I dont have information and we will contact you. 
I just need a fair investigation from the bank, they didnt call me to provide any proof that support my claim Ive all the documentation that proof that it wasnt me or an authorized user on my account did the XXXX transactions since we all were outside the XXXX when the fraud happened.

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 2026-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
Fay Servicing ( Investor : XXXXXXXX XXXX  ) I am actively working to correct the issue with my mortgage and have filed a XXXX XXXX XXXX in Colorado XXXX XXXX to address my financial obligations. Despite my efforts, Fay Servicing filed a motion to dismiss the automatic Stay due to misunderstandings regarding missed payments on loan number XXXX. 

I am fully committed to bringing my account current, and on XX/XX/year>, I communicated with the Bank to create a plan to catch up on payments, which they initially accepted. However, on XX/XX/year>, they still filed the motion to dismiss the Stay. If the Bankruptcy Judge rules in their favor, foreclosure would proceed, despite my ongoing willingness and plan to resolve the arrearsthe very arrears that prompted my XXXX XXXX filing. 

The only reason I am filing this compliant is that I have communicated with Fay Servicing Rep and we jointly created a repayment plan. 

Thanks Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TransferWise Ltd
State: VA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I was charged a total of {$15000.00} on my Wise-issued prepaid debit card for evaluation fees and reset fees charged by XXXX. These fees were paid solely for access to a simulated trading evaluation service operated entirely by the merchant on its own platform. 

During this period, the service repeatedly failed to operate as described. The platform experienced outages, execution failures, and other system issues that materially affected the ability to complete the purchased evaluations. As a result, I was required to repeatedly repurchase evaluations and resets in order to continue accessing the same service. 

I contacted the merchant multiple times to report these issues and request remediation or reimbursement. The merchant failed to provide compensation. Subsequently, I received written correspondence from the merchants CEO explicitly acknowledging that the service was not delivered as described and stating that the company was XXXX  % missing the mark. This admission directly relates to the same service, platform, and time period for which the disputed charges were incurred. 

I then contacted Wise, my card issuer, to dispute these transactions and request chargebacks. I provided transaction receipts, account statements, correspondence with the merchant, and the written admission from the merchants CEO acknowledging service failure. 

Wise refused to initiate any chargeback and declined to assist with the dispute process. Wise required technical evidence such as platform outage logs, internal execution records, and timestamped error reports for each individual transactionevidence that is solely controlled by the merchant and impossible for a consumer to obtain retroactively. Wise dismissed the merchants written admission of service failure as insufficient and did not attempt to obtain any information from the merchant directly. 

Wise ultimately closed the dispute and stated it had no chargeback rights under XXXX guidelines and that this position was final. Wise did not meaningfully investigate the dispute or assist me in asserting my card network dispute rights, effectively leaving me to pursue the merchant on my own despite Wise being the card issuer responsible for dispute handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
when making payment to a credit card and planning to get the balance down to have a over all lower debt to income ratio to increase my fico score by lowing my debt owed to debit available affect the credit worthiness ... AND BY MAKING PAYMENT WITH IDEA OF IT BEING AVAILABLE WHEN NEEDED...

THEY DIDN'T CARE AT ALL ABOUT MY STATUS OR HOW THAT AFFECT MY CREDIT SCORE OR MY HOUSEHOLD...

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 2026-01-02 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: Carvana Group, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX for unauthorized contract formation, improper electronic signature practices. My auto loan was approved XX/XX/XXXX and my only car purchase was on XX/XX/XXXX and Ive discovered Another purchase agreement of a whole different car, price, vin # and date that I was never aware of with my signature and a XXXX authorized representatives signature this agreement on XX/XX/XXXX. 

XXXX XXXX is associated with XXXX auto purchase transactions using my name and identifying information. XXXX transaction ( dated XX/XX/XXXX, stock # XXXX ) is known to me but is disputed due to XXXX and 15 U.S.C. 1605 ( c ). A second transaction ( dated XX/XX/XXXX, stock # XXXX ) was entirely unknown to me and was never authorized but is also disputed due to unauthorized electronic application or reuse of my signature without my consent. 

I have issued formal notices of dispute and rescission and have demanded a full accounting and refund, including whether these transactions were sold, securitized, insured, or otherwise monetized. 

I am requesting CFPB review to ensure XXXX XXXX complies with federal consumer protection laws, produces required documentation, and ceases any adverse reporting or enforcement absent proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Debt Collector / Furnisher Violations of FDCPA & FCRA * * Laws Involved : * - * * 15 USC 1692c * * Communication restrictions- * * 15 USC 1692g * * Debt validation requirements- * * 15 USC 1681e ( b ) * * Credit reporting accuracy -- - # # * * 1. Summary of the Issue * * I am filing this complaint because a debt collector and/or data furnisher is reporting a collection account on my credit report without complying with federal law. They have failed to validate the alleged debt, continued communication in violation of the FDCPA, and furnished inaccurate or unverified information to the credit bureaus in violation of the FCRA. 

-- - # # * * 2. Parties Involved * * * * Debt Collector / Furnisher : * Name : __credit collection services________________________ * * Consumer Reporting Agencies Affected : * - XXXX XXXX XXXX XXXX XXXX # XXXX # * * A. Violation of 15 USC 1692c ( Improper Communication ) * The collector contacted me in ways prohibited by 1692c, including : - Contacting me at inconvenient times or locations - Contacting me after I requested, they stop - Contacting me despite knowing I dispute the debt - Contacting third parties ( if applicable ) These actions violate federal communication restriction. Violation of 15 USC 1692g ( Failure to Validate Debt ) * I requested validation of the alleged debt in writing.

The collector has : - Failed to provide proper validation - Continued collection activity without validating - Continued reporting or verifying the account with credit bureaus This is a direct violation of 1692g ( b ), which requires all collection activity to cease until validation is provided.

Violation of 15 USC 1681e ( b ) ( Failure to Ensure Accuracy ) * The furnisher is reporting information that is : - Inaccurate - Unverified - Incomplete - Reported without proper validation - Reported while in dispute Under 1681e ( b ), furnishers and credit bureaus must ensure * * maximum possible accuracy * *.

This standard has not been met.

-- - Harm Suffered * * Because of these violations, I have experienced : - Lowered credit scores- Denial of credit or higher interest rates - Emotional distress - Time and financial burden attempting to correct the issue -- -5. Desired Resolution * * I request that the CFPB require the collector/furnisher to : 1. * * Provide full validation * * of the alleged debt OR 2. * * Delete the account * * from all consumer reporting agencies if they can not validate it 3. * * Cease all unlawful communication * * 4. * * Correct or remove any inaccurate information * * 5. Provide written confirmation of compliancy ---

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a Citi credit card. I was approved and I still haven ; t received the card and now I'm being charged for an annual membership fee. I called to see if they could credit my account that fee since I still don't have the card and they are telling me that it is a valid charge. I asked to speak to a manager ( XXXX XXXX and he again refused to credit my account. I told him that if I had the card and activated it, I wouldn't mind the fee. However since I still haven't received the card I feel that this shouldn't be charged.

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 2026-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a proof of claim account fraud victim assistance XXXX XXXX log in credentials ID theft with my personal email account update. My account was misconfigured payment from XXXX. I see the account was sent with a proof of claim with my XXXX account from my log in and my account was referred to the department for account suspect of unusual activity with my bank for account update procedures process. I want to file a claim for a refund of my XXXX  XXXX Bankruptcy claim with the XXXX XXXX XXXXXXXX bank account status. I have a insurance policy forgery with my account. I want to update my litigation process with the ID theft of my personal bank account.

Company response to consumer: Untimely response