vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Im constantly receiving phone calls, texts, and emails from Columbia Debt Recovery ( DBA/ Genesis ) concerning an outstanding debt. While attempting to resolve the issue, a representative repeatedly used the following abusive and aggressive language you're not going to pay this bill I know your type, I know your kind ''. This type of conduct is unacceptable and is a direct violation of 15 USC 1692 ( 2 ) 806 Harassment and Abuse of The Fair Debt Collection Practices Act. After challenging the debt and requesting validation, I was repeatedly transferred to multiple representatives until the call was finally disconnected. Furthermore, representatives would continue to call from non-returnable phone numbers, making it difficult to contact them directly. When speaking with representatives concerning payment options, the policy would change depending on the individual with whom you speak with. Columbia Debt Recovery ( Genesis ) is also in violation of 1006.30 ( A ) ( 1 ) ( i ) ( ii ) of The Code of Federal Regulations for reporting the account without first speaking with me or sending a letter in the mail. In accordance with 15 USC 1692c of The Fair Debt Collection Practices Act, I demand Columbia Debt Recovery to cease all communication with me concerning this account. Failure to comply will result in legal action taken against Columbia Debt Recovery for each violation committed, which is my right under 15 USC 1692k of The Fair Debt Collection Practices Act. I have also filed a complaint with my local Attorney General Office to further protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: GA

Complaint narrative:
1. Verification of No Debt : Services were provided on XX/XX/XXXX, for a routine physical 100 % covered by my insurance. My insurance company successfully paid this claim in full, and my Explanation of Benefits ( EOB ) explicitly shows a " Patient Responsibility '' of {$0.00}. 

2. Documented Billing Errors : Despite being paid, XXXX XXXX sent me XXXX separate bills of {$25.00} for this visit. My insurance provider contacted the clinic directly to resolve this, yet the clinic failed to " write off '' the balance as they were legally and contractually obligated to do. Instead, they moved the account to a third-party debt collector called Universal Collection Systems without warning me. 

3. Admission of Error by Clinic : On XX/XX/XXXX, I and my insurance company spoke with a clinic representative who confirmed that their internal records ( specifically a note from a staff member named " XXXX '' ) already show that the insurance paid and the balance should be XXXX. They admitted the debt was sent to collections in error. 

4. Hostile Conduct : I made multiple attempts on XX/XX/XXXX, to resolve this with XXXX XXXX staff. Despite multiple representatives promising a recall, no confirmation was sent. When I requested a female agent stay on the line until the confirmation email was sentdue to the clinics repeated failure to follow throughshe hung up on me. My final call was handled by a male individual identifying himself as a 'Manager. ' He was rude, dismissive, impatient and mocked the fact that I had called XXXX times to fix an error that was entirely their own. He refused to provide a confirmation email while I was on the call and demonstrated a complete lack of professional accountability regarding the clinic 's clerical error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A fraudulent wire {$3000.00} was sent to XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX, from the promise of his business partner, XXXX XXXX XXXX, to invest in his streaming service startup, XXXX  XXXX promised me exponential returns. Aside from this he had me send XXXX XXXX XXXX payments for a car he supposably has purchased me from XXXX and wanted me to send XXXX XXXX the shipping and first months insurance to. On XX/XX/XXXX, {$580.00} & on XX/XX/XXXX {$510.00} was sent for the vehicle. I believe on XX/XX/XXXX is when I found out that this was all a scam. On XX/XX/XXXX I have contacted Chase 's fraudulent department about my situation and also filed a XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX. On XX/XX/XXXX Chase has denied the {$580.00} XXXX XXXX payment & on XX/XX/XXXX has denied the {$500.00} XXXX XXXX XXXX. Also, on XX/XX/XXXX, Chase has denied the wire dispute. Today, XX/XX/XXXX, when called Chase, they have mentioned that they tried to recall the wire but unfortunately the recipient had no funds in their account. After looking into the wire details, it has showed that the recipient 's bank was also Chase. Both the sender and recipient accounts are held with Chase Bank and the funds moved internally within Chase before any freeze or recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I am disputing a medical collections account being reported by medical data systems on behalf of XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX ) that appears on all three of my credit reports.There are multiple issues Inconsistent dates across bureaus ( opened XX/XX/year> vs XX/XX/year> last active XX/XX/year> vs XX/XX/year> Conflicting comments one stated " Place for collections '' another say " Medical '' and another say " Subject has not satisfied debt '' There no breakdown of what the charge is for and no proof that I authorize the release of my medical information to MED DATA SYS for a third party collection Under HIPAA.My medical information is protected and can not be shared with a third party ( including debt collections or credit bureaus ) without my permission written consent Additionally under the fair credit bureau act ( FCRA ) information must be accurate and verifiable A full investigation into the legality of this account reporting.Proof that proper HIPAA authorization was obtained share and report this medical deb.Removal of this account from all credit bureaus if verification can not be provided I am requesting a full investigation into the legality of this account reporting .Proof the proper HIPAA authorization was obtained to share and report this medical debt. Termination of collections and immediately remove this account from all credit bureaus and verification can not be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I've received XXXX late fees and twice sent to collections for my card where it hasn't sent out an email before the due date to inform me of a balance. This month, they've decided to accrue fake charges and then attached late fees and I can not get through their system to talk to anyone about this repeated problem

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I tried opening an account with Capitalone but was asked to call. When i called i was told i can not open an account with them and was not given a reason for the same

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One credit card company has closed my account due to fraudulent charges that were not made my me. They will not give my back my approximately {$200000.00} miles back. I have called many times and asked to have them transferred to my wifes capital one credit card or give me a new one with my miles. I have saved those for a family trip and feel like they have stole those from us for something that was not our fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
result of fraud that I did not authorize : XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX and XXXX XXXX credit card XXXX XXXX that's a joint account that I didnt agree to be on and was deleted XXXX  years ago now illegal reappearing, According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. Please find my details below for your reference : - Full Name : XXXX XXXX - Social Security Number : SS # : XXXX - Date of Birth : Date of Birth : XX/XX/year> - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. I am formally disputing the inaccurate personal identifiers appearing on my credit file. Under FCRA 611 ( 15 U.S. Code 1681i ), any information that can not be verified must be deleted immediately. These identifiers are not accurate and must be removed from my credit file to prevent further reporting errors. Please provide me with the method of verification used to verify this information. If no valid verification exists, delete and block at no return immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Plastiq Inc.
State: NY

Complaint narrative:
I paid PlastiqXXXX {$7600.00} on XX/XX/year> to make a XXXX mortgage payment to XXXX XXXX. My mortgage company never received the payment. Plastiq has yet to refund my payment and I am being charged late fees due to their error. They have no phone number and their customer service chat has provided XXXX answers. Once the money is refunded I will lose XXXX status on XXXX because they will deduct from XXXX. I paid over {$1000.00} for this status which I am now out of because of this companies negligence. This process has been a nightmare with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
They illegally repossessed my vehicle. I went to pay for it and they would not accept my payment which is in violation of consumer laws, truth in lending act, and Under HR192 of XXXX, discharging one 's part of the Public Debt through the IRS and United States Treasury only lawful way to balance a debt to zero.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We're struggling with our payments for a long time because of reduced income, we've been struggling to resolved this problem, now our house is in foreclosure we tried to.aplly for loan modification but the. Company said we're not qualified, I hope we can get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Ther was a monthly service fee charged to my checking account on XX/XX/XXXX, XXXX and again on XX/XX/XXXX. I noticed the charges XX/XX/XXXX and went to the branch to discuss as I believed I was enrolled in a no fee checking account.

The accounts I had been moved to had a $ XXXX/month fee associated with account if at any point in a month my account balance dropped below $ XXXX. There was no explanation as to when and why I was moved to this account tier as there were no additional benefits that pertained to my situation.

After the discussion they changed my account type back to a no fee checking, but only refunded one of the two bank fees for {$25.00}.

I attempted to contact corporate customer service. The initial customer service rep, XXXX said she was unable to refund the second service fee. I asked to speak to a supervisor. She informed me it would be a 4 minute wait which I agreed to. After being on hold for an additional 13 minutes, the individual on the other end of the line was muffled. A more conspiriatorial person might believe XXXX had intentionally picked the call back up and attempted to disguise her voice. The lack of a clear voice message made it impossible to make any additional progress on resolving the issue. I declared my intent to file a complaint with the CFPB so it could be recorded by their quality assurance recordings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to formally dispute the inaccurate, incomplete, unverifiable, and illegal information on my consumer credit file, which is held by your agency.

This letter provides legal notice under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, 1681b, 1681e ( b ), and 1681i, that the following items are being contested in their entirety. This letter provides legal notice under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, 1681b, 1681e ( b ), and 1681i, that the following items are being contested in their entirety.

As per 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ), if you claim the disputed information has been validated, I demand : The name, address, and phone number of each contactable furnisher. The specific type of verification utilized. Documents relied on include, but are not limited to : A signed consumer agreement with my signature, Proof of valid assignment or ownership and A full payment history. This letter is neither a refusal to pay nor an admission of obligation. I expressly retain all rights and remedies accessible to me under federal and state laws. Please respond in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am disputing this collection account because it does not belong to me. I did not live at or lease the property associated with XXXX XXXX TX, and I did not incur this debt. It appears my personal information was used without my authorization. 

This account is the result of identity theft or mistaken identity. I am requesting that XXXX  require the furnisher to provide full verification, including a signed lease or contract bearing my signature and proof of occupancy. If they are unable to verify this debt, it must be deleted from my credit report pursuant to the Fair Credit Reporting Act. 

Please investigate and remove this account as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: U.S. BANCORP
State: SD

Complaint narrative:
I contacted US Bank 's credit card sales department to inquire about their balance transfer promotion. I stated that I need a specific credit limit to make getting the credit card worth it for me. I was told ( on a recorded line ) that I would need to have a hard pull on my credit report, and that if I didn't get the limit I needed, I could speak with US Bank 's underwriting department, and that if they couldn't increase the limit, I could CANCEL my application. Instead, they processed my application fully and opened the account and sent me a credit card. I did NOT give permission for this. I did not get the limit I needed and underwriting told me they would have to do ANOTHER hard pull on my credit report even though it had been only 4 days since the original call. I was lied to every step of the process. I canceled the card, but now my credit report will be affected due to the opening and closing of an account I did not authorize.

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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a checking account and XXXX at Truist bank after receiving a mailer. I went in the Truist Branch in XXXX XXXX and worked with a rep. I opened the account and met the conditions for a bonus offer. I was told a couple of times to wait 120 days. Now after waiting 120 days, I was told there's no bonus.

Bonus was and is {$400.00}. Though the current terms appear different for the bonus.

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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX, I sent {$68.00} via Remitly to an individual in XXXX who claimed to provide XXXX XXXX XXXX for my wife. This person disappeared with the funds ( fraud/scam ). 

I immediately reported the fraud to my bank ( XXXX ) and filed a chargeback claim under my consumer protection rights. XXXX initially processed the dispute but reversed their decision on XX/XX/XXXX, ruling in favor of Remitly. Following this reversal, Remitly suspended my account without warning or explanation. 

On XX/XX/XXXX, I contacted Remitly support ( agent " XXXX '' ) requesting : 1. Explanation of suspension and reinstatement options with ID verification 2. Escalation to compliance/appeals team 3 . Case/ticket number for this interaction 4. Specific User Agreement section justifying the closure 5. Compliance department contact information 6. Data retention/deletion policy confirmation Remitly refused all requests. Agent stated " decision is final, '' " can not share details for security reasons, '' and refused to provide a ticket number, stating only " account information '' tracks the case.

I cited Section 7.2 of Remitly User Agreement to terminate my account. Agent claimed to " escalate '' but provided no confirmation, timeline, or contact method beyond " 3-15 business days. '' This appears to be retaliatory account closure for exercising my legitimate chargeback rights as a fraud victim. Remitly effectively punished me for XXXXXXXX XXXX decision while protecting the scammer who stole my funds. They refused due process, transparency, or any meaningful appeal.

Full chat transcript attached showing refusal to escalate or provide account reinstatement options or account closure information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Complaint Summary I am filing a complaint regarding continued inaccurate credit reporting by Comenity Bank after settlement and after prior corrections were made, in violation of the Fair Credit Reporting Act ( FCRA ).

Despite having settled and paid this account in full, Comenity continues to report the account as over 120 days past due, with rolling delinquencies that occurred after the settlement date, which is inaccurate and misleading.

Detailed Explanation This account was legally settled and paid in full through a structured settlement program.

Original balance : {$830.00} Settlement amount : {$390.00} Settlement completed : XX/XX/XXXX Final settlement payment : XX/XX/XXXX Current balance : {$0.00} I have documentation from the settlement administrator and payment records confirming the settlement was completed and paid in full.

Despite this, Comenity has continued to report the account as 120+ days past due, including delinquency statuses after XX/XX/XXXX, which is factually impossible given the account was settled and paid.

Prior Corrections Confirm Inaccuracy XXXX  previously updated this tradeline and notified me of a positive payment history correction, confirming that Comenity had reported incorrect information : XX/XX/XXXX was corrected from 90 days late to 60 days late XX/XX/XXXX was corrected from 60 days late to Current This correction proves that XXXX acknowledged prior reporting errors. 

However, despite this correction, Comenity re-reported severe delinquency statuses afterward, including over 120 days past due, even though : The account had entered settlement Payments were being made as agreed The settlement was ultimately completed with a {$0.00} balance Nature of the Violation Comenity Bank is engaging in continued inaccurate reporting after notice, including : Reporting delinquency after settlement Re-aging the account by assigning late statuses post-settlement Reporting a past-due balance on a settled account Providing contradictory data ( account shown as current in XX/XX/XXXX but later reported as 120+ days delinquent ) This conduct violates the furnishers duty under 15 U.S.C. 1681s-2 to ensure accuracy and to correct known errors.

Harm Caused This inaccurate reporting has : Artificially suppressed my credit score Interfered with access to transportation financing Caused ongoing financial harm despite my good-faith settlement and payment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 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: AL

Complaint narrative:
I had an unauthorized charge for {$2500.00} online on my Citicard from XXXX on XX/XX/year>. I reported it to Citibank and canceled the card immediately. I filed a dispute and it was denied. The said Im responsible for the charge.

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