vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Company involved : Citibank Product : Business Credit Card XXXX Anywhere Business Account ending : XXXX Reference number : XXXX What happened : Citibank permanently closed our long-standing business credit card account on XX/XX/year>, citing multiple security-related closures due to lost/stolen cards or suspicious activity within a six-month period. Citibank also forfeited all accrued rewards associated with the account. 
We have been loyal Citi customers for over XXXX  XXXX  and, in the year 2025 alone, processed over {$15.00} XXXX in legitimate business expenditures through this account. Throughout this relationship, our company has maintained excellent credit and strong financial standing, including regular third-party financial reviews. 
The closures Citibank references were the result of fraud prevention actions promptly reporting suspicious activity and replacing compromised cards as Citibank instructs cardholders to do. These actions were taken responsibly to protect both the bank and our company from financial loss. 
At no point was there negligence, misuse, excessive risk behavior, unpaid balances, or abnormal account activity. All transactions were legitimate business expenses, and all fraud-related incidents were reported immediately in coordination with Citibank. 
Importantly, Citibank never warned us that these security-related actions could place our account at risk of permanent closure. At no time were we informed that our account was under review, that corrective action was required, or that our banking relationship was in jeopardy. 
Additionally, the timing of this closure is deeply concerning. The account was closed at the end of the year just before rewards are typically issued despite there having been no issues or unusual activity on the account since the beginning of XX/XX/year>. This sequence creates the appearance that the closure was timed to avoid paying out substantial earned rewards rather than being driven by any current risk to the bank. 
Penalizing a customer for complying with fraud prevention procedures contradicts standard banking practices and discourages responsible security reporting. 
________________________________________ Why this is a problem : Citibank treated responsible fraud reporting as misconduct No warning or opportunity to address concerns was provided No evidence of misuse or financial risk was demonstrated A long-term, high-volume, profitable customer relationship was terminated abruptly Earned rewards from legitimate spending were confiscated The timing of the closure suggests bad faith rather than sound risk management ________________________________________

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 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On or about the date of this incident, I visited the XXXX XXXX, Oregon Wells Fargo branch to resolve an issue related to a vehicle purchase earlier the same day. An incorrect check had been written to the dealer, and because both the dealer and I are Wells Fargo customers, we agreed to resolve the matter through a domestic bank transfer. 

Upon entering the branch, all desks were occupied. A teller offered assistance and confirmed she could help with the transfer. As I approached the teller counter calmly, the branch manager approached from several feet away and loudly accused me of harassing the teller and ordered me to leave the branch. This accusation was false and made publicly in front of other customers.

I denied the accusation and requested the managers business card. Despite the accusation, the teller confirmed there was no issue and proceeded to assist me. While the transaction was underway, the manager returned, placed his business card on the counter without comment, and left. No apology or explanation was provided. 

The teller handled the matter professionally and completed a {$2000.00} transfer from my account to the dealers account, resolving the issue and avoiding an approximately XXXX round trip. I specifically asked the teller whether I had behaved inappropriately, and she confirmed I had not. 

Afterward, I called the branch to confirm the tellers name. During that call, the branch manager claimed I had been yelling and making aggressive gestures, which I deny. He stated no apology would be provided, though he offered a supervisors contact number. I am filing this complaint due to the public false accusation, being ordered to leave while seeking routine banking assistance, the managers conflicting statements, and the lack of corrective action or apology. I am also requesting that Wells Fargo review this incident and recognize the teller for her professional and appropriate conduct.

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 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
This letter serves as a formal follow-up regarding the above-referenced account, which I previously disputed due to inaccuracies in reporting. 

To date, I have not received documentation that meets the Fair Credit Reporting Acts requirement for verification, including but not limited to : Proof of ownership of the alleged debt A copy of the original contract or service agreement Evidence of my legal obligation to pay Proof that the reported balance is accurate Under 15 U.S.C. 1681 and 1692g, failure to provide proper verification requires cessation of collection activity and deletion of the account from all consumer reporting agencies.

If this matter is not resolved promptly, I will proceed with complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General.

This is my final attempt to resolve this matter amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: TN

Complaint narrative:
XXXX XXXX XXXX has deleted its tradeline after I disputed and requested validation ; however, XXXX XXXX XXXX XXXX XXXX the original creditor, refuses to resolve the matter. The account was furnished without ensuring maximum possible accuracy and without providing a wet-ink signed contract, full chain of assignment, or proof of my authorization. Both parties actions caused credit harm, distress, and financial injury. Deletion alone does not remedy the damages already suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint against Chase regarding how my dispute for an XXXX XXXX transaction was handled. On XX/XX/year>, around XXXX PM, I was at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX. A man approached me in the parking lot, claimed to be an experienced autobody worker, showed me supposed examples of his work, and offered to fix paint scratches on my car. He first asked for {$180.00}, then raised it to {$200.00}, saying he needed the money to take care of his XXXX children. I agreed and paid him {$200.00} using XXXX XXXX, funded by my Chase account. 

The work he did made my cars paint significantly worse, and he stopped responding to my messages afterward. I believe this was a scam and a misrepresented, lowquality service. When I went to dispute the transaction with Chase, the dispute options for this XXXX XXXX payment did not clearly allow me to choose misrepresented/defective service or fraudulent service. Because of the limitations in Chases system, the dispute ended up being coded as an unauthorized transaction, even though I later explained that the real issue was fraud and misrepresentation by the person I paid. 

Chase later told me that XXXX XXXX XXXX had denied the claim as authenticated and that Chase could not change the dispute type or help further. I feel that Chase did not provide a fair or accurate dispute process for this situation, did not offer an appropriate category, and then refused to recode the dispute once I clarified the circumstances. This contributed to my XXXX XXXX account being permanently restricted by XXXX XXXX XXXX, even though I am the victim in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing this complaint regarding the ongoing inaccurate credit reporting of a student loan that was legally discharged in full in XX/XX/XXXX, yet continues to be reported as an active obligation XXXX full year later. 

I submitted a written dispute to Experian clearly stating that this student loan was discharged and extinguished by operation of law effective XX/XX/XXXX and therefore should not be reported as an open or active account. My dispute did not concern payment history, delinquency, or whether payments were current. It concerned the continued existence and reporting of the loan itself.

Experians investigation results did not address this issue. Instead, Experian responded that the account is Current Paid or Paying as Agreed. This response is non-responsive, inaccurate, and materially misleading. 

A loan that has been legally discharged can not be accurately reported as current, paid as agreed, or otherwise active. Reporting a discharged loan as current falsely implies an ongoing legal obligation where none exists and conceals the discharge itself. Accuracy under the Fair Credit Reporting Act requires that information not only be technically consistent, but also not misleading as to legal liability. 

This is not a short processing delay. As of XX/XX/XXXX, this discharged loan has been incorrectly reported as active for approximately twelve ( 12 ) consecutive months following discharge, despite written notice to the credit reporting agency. This constitutes a continuing violation, not a one-time error. 

Additionally, this loan originated in or around XXXX and has been repeatedly transferred and re-reported over an extended period approaching two decades. The continued reporting of this loan after discharge raises serious concerns regarding improper re-aging and unlawful persistence of extinguished debt.

To be clear : I did not dispute whether the account was current.

I disputed the continued reporting of a loan that no longer exists legally.

Experians response failed to reinvestigate or resolve that dispute. 

The inaccurate reporting has continued for XXXX months post-discharge. 

I am requesting that the CFPB require the companies involved to : Immediately correct or delete the tradeline to reflect a closed, discharged obligation with a {$0.00} balance, or remove it entirely if accurate reporting is not possible ; Provide a written explanation for why a discharged loan has been reported as current for XXXX months following discharge ; and Confirm that procedures are in place to prevent discharged obligations from being reported as active consumer debt.

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 2026-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information currently appearing on my consumer credit report. The account listed below was opened without my authorization and is the result of identity theft. 

Account Information : Creditor : Capital One Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Reported Balance : {$700.00} I did not apply for, authorize, or use this account. I have never agreed to any terms associated with it. The reporting of this account is inaccurate and violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report.

Under FCRA 611, you are required to conduct a reasonable reinvestigation and delete information that can not be verified. Please provide documentation showing that this account was legitimately opened by me, including a signed application or verifiable proof of identity. If such documentation can not be produced, this account must be deleted immediately.

Please note that continued reporting of fraudulent information after notice may constitute willful noncompliance under federal law.

I am requesting : Immediate reinvestigation of this account Permanent deletion of the Capital One account from my credit file Written confirmation of the results of your investigation Please complete this investigation within the time frame required by law and provide written confirmation once the account has been removed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: WA

Complaint narrative:
Hello- I received an email ( Discover Card XXXX ) letting me know that I missed a payment. I completely forgot about this card. I went into my account to make a payment and noticed I was charged a late fee. I chatted with the agent who said they could not waive the fee although I have been a customer since XXXX  and in good standing and never had a late payment. 

The Discover card that offers, in their ads, to waive the first late fee. I do not ever recall have a late fee added except for this past XXXX, This is a portion of the chat which indicates this has never happened before " I see that you've been a great customer with us since 2019 and this is the first time you've missed a payment! I appreciate you reaching out regarding your late payment fee. At this time my system will not allow me to waive any fees off your balance. I do apologize. I understand this is not the outcome you were expecting and I will be submitting a complaint on your behalf. '' Did I miss the payment, yes. Do they have a policy to remove the first late fee, yes. I am just looking to have it waived or at the very least file a complaint so they know I am frustrated with their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I am disputing {$320.00} in accumulated late fees that Honda Financial Services is attempting to collect after my auto loan principal has been fully paid. 

In XX/XX/XXXX, one payment was returned due to a bank overdraft. After that incident, I continued making monthly payments in good faith. XXXX  to me, Honda applied subsequent payments to a prior month, creating a rolling delinquency and charging a {$6.00} late fee each month. 

I was never clearly notified that late fees were accruing monthly, nor was I informed that my account remained past due despite ongoing payments. I was not provided a meaningful opportunity to cure the delinquency. Had I been notified, I would have resolved the issue immediately. 

Honda Financial Services claims that monthly statements or bills were sent ; however, I did not receive any such statements. I had automatic payments set up, and therefore reasonably assumed my account was current. I only received automated voicemails, which I reasonably believed were scams. At no point was I provided clear written notice of late fees or that payments were being applied in a way that created ongoing fees. This lack of proper notice prevented me from curing any alleged delinquency I have requested a goodwill waiver and explanation of the late fees, but Honda Financial Services has denied my request and refused to allow me to speak with a supervisor.

Honda is now threatening to report this disputed amount to the credit bureaus because the loan term ends this month, despite the principal being paid in full and the fees being disputed.

I believe these fees are unfair, improperly disclosed, and the result of payment misapplication.

I am requesting : -Removal of all accumulated late fees -Written confirmation that no negative credit reporting will occur -A full written explanation of how payments were applied and when notice of late fees was allegedly provided I am filing this complaint to formally dispute the charges and request regulatory review . 

On XX/XX/XXXX I have submitted payment of {$320.00} to cover that l '' ate fees '' under protest and solely to prevent negative credit reporting. 

This payment does not constitute agreement with or acceptance of the validity of these charges. 

The late fees remain formally disputed due to lack of notice and improper payment application. I am pursuing regulatory review through the Consumer Financial Protection Bureau and request a refund pending resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX paid previously with other debt collectors called both places tried to sell me that if I gave them money they would fix my entire credit is its a scam called Jefferson capital systems said they had the debt and also ar systems also i called the one I paid also said they had the debt there foXXXX XXXX XXXX sold to ar systems I paid the 2 years later sold agian to Jefferson capital and both years claimed off on their taxes scam by all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: TX

Complaint narrative:
On XX/XX/year>, I made a purchase in the amount of {$200.00} from XXXX XXXX using my PayPal Credit account issued by Synchrony Bank. 

After receiving the merchandise, I discovered that the product did not match how it was represented on the merchants website in terms of quality, construction, and overall value. The item did not align with the price point advertised at the time of purchase. 

I contacted the merchant to resolve the issue. Instead of offering a reasonable resolution, I was informed that I would need to place a new order at a higher price, despite the issue being related to the original item not meeting expectations based on its description. 

Subsequently, I discovered that the same or substantially identical item was being offered elsewhere at a significantly lower price ( approximately {$30.00} ), which further supports that the original product was materially misrepresented and overpriced. 

I initiated a billing dispute with PayPal Credit XXXX Synchrony Bank. A temporary credit was issued and later reversed. Synchrony Bank closed the dispute based solely on information provided by the merchant and did not meaningfully consider the disparity between the products represented value and what was delivered. 

The dispute was not fairly evaluated, and I am now being held responsible for charges related to merchandise that was materially misrepresented. I am requesting a proper review of this dispute and removal of the disputed charge, along with any associated interest or fees.

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 2026-01-30 00:00:00
Product: Mortgage — VA 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: LD Holdings Group, LLC
State: SC

Complaint narrative:
The mortgage servicer, loanDepot.com, LLC, has engaged in repeated mortgage servicing errors and improper loss mitigation practices regarding the property located at XXXX XXXX XXXX, XXXX, South Carolina, which is owned by XXXX XXXX XXXX XXXX XXXX. 

A complete loss mitigation / loan modification application was previously submitted with all required documentation. Despite this, loanDepot continued to issue letters dated XX/XX/2026 and XX/XX/2026 claiming additional information was required, without identifying specific missing documents, and attempted to restart the loss mitigation process. 

loanDepot has also repeatedly misidentified the proper party by addressing correspondence to the Estate of XXXX. XXXX, even though the property is held in trust and prior documentation had been provided. This misidentification has resulted in inaccurate account records and misleading communications. 

I formally attempted to resolve these issues with loanDepot and requested written confirmation of the status of the previously submitted loss mitigation application, correction of the improper estate designation, identification of any documents allegedly missing, and clarification of any foreclosure activity pending or authorized. Instead of providing the requested information, loanDepot continued to send inconsistent and duplicative notices and collection-related communications. 

loanDepot has identified itself as a debt collector and has continued collection and foreclosure-related communications while the account is disputed and subject to a formal Notice of Error and Request for Information. This conduct has caused ongoing stress, uncertainty regarding housing stability, and unnecessary administrative burden.

I am requesting regulatory assistance to require loanDepot to correct its records, acknowledge and properly process the previously submitted loss mitigation application, cease improper and duplicative communications, and ensure compliance with applicable mortgage servicing laws.

Company response to consumer: Closed with explanation