vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Months ago, I called in to close my XXXX checking account. I was told to write a little and send it in to close the account. I did this. I then got a statement showing {$0.00} balance and {$10.00} fee. I called in and was told they gave me the wrong address to send the letter. I then spoke with a XXXX and also did live chat. Then the same thing happened again. I called again. Now, today, I get another statement with a fee. This is so tiring and upsetting. I have called, spoken to XXXX, sent letters, done live chat. Close the account and refund all 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 2026-06-18 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I hold a Wells Fargo credit card ( account ending XXXX ) that I do not actively use and keep closed to charges. A balance was generated on this dormant card solely through an overdraft protection transfer that I did not initiate and did not authorize for this purpose. I had previously requested that Wells Fargo remove the overdraft protection link to this card. Because I do not use the card and was not aware a balance had been created by the automated transfer, I did not receive timely notice of the amount due. The moment I received a past-due notification on XX/XX/XXXX, I paid the balance in full immediately. Despite the balance arising entirely from an automated overdraft transfer I had asked to have removed and despite my paying in full upon first notice Wells Fargo reported the payment as late to the credit bureaus. This caused a XXXX drop in my credit score. I submitted a goodwill removal request asking Wells Fargo to remove this single late notation as a one-time courtesy, given my account history and the unusual automated circumstances. Wells Fargo responded only by confirming that the late payment was " accurate. '' This response did not address my actual request : I am not disputing the accuracy of the late mark. I am requesting goodwill removal of an accurately-reported but circumstantially unfair notation. Resolution I am seeking :

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 2026-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation
State: PA

Complaint narrative:
Albert automatically enrolled me in a paid $ XXXX 'Genius ' subscription without my explicit consent. I did not even have the app downloaded at the time they claim it was authorized. When I contacted their support via text to cancel and request a refund, they refused. They are engaging in deceptive auto-enrollment practices

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
There are XXXX companies withdrawing from my checking account. The XXXX companies are Home Depot and XXXX XXXX Credit card. When reviewing my checking account there was a transaction from Home depot on XX/XX/year> for {$300.00} that I do not authorize, I dont have a credit card from this company. The other transactions are from XXXX XXXX that show multiple transactions that I dont authorize, as I dont have a credit card with them. The transaction was {$220.00} on XX/XX/year>. Please remove these transactions and dont send any future transactions as this is 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 2026-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
AARGON AGENCY Collection agency has never been in touch since, no email, no phone call, no letters. Collector failed to provide validation of debt. The collector violated my rights by reporting a medical debt to credit bureaus on XX/XX/year> without validating or contacting me via mail, text, or email. Their reporting to the credit bureaus on XX/XX/year> constitutes a violation of the FDCPA because the debt remains unverified.

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 2026-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLLECTION SE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I activated XXXX XXXX XXXX XXXX XXXXe on XX/XX/year>. Due to lack of service and unusable signal at my residence, I ported my phone number to another XXXX and canceled the service on XX/XX/year>, only XXXX days later. I purchased the phone outright and did not finance the device through XXXX XXXX XXXX. I was later billed {$160.00} and disputed the charges with XXXX XXXX XXXX. An XXXX XXXX XXXX representative informed me that I did not have to pay the bill, that a credit would be applied to my account, and a dispute case was opened regarding the charges. Despite the dispute, the account was referred to Sunrise Credit Services and is now being reported as a collection on my XXXX and XXXX credit reports. After discovering the damage to my credit, I contacted XXXX XXXX XXXX again and was informed that because I canceled within 14 days and had purchased the phone outright, I should not have been charged for the service. I have a recorded conversation, emails, receipts, and supporting documentation supporting my position. I dispute owing this debt and request validation of the debt, a full investigation, removal of the collection account in my credit report.

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 2026-06-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received XXXX XXXX XXXX as my business was closed during XXXX. I was asked by the XXXX to update my tax information on the claim and I did so. I experienced a long waiting time waiting for the tax return to be processed. I was told on the phone that so long as I was granted the XXXX award, I would received the money. I sent the XXXX an electronic message and did not always receive a response. I spoke with customer service on the phone a number of times. I received weeks to certify and I never received payment. I also discovered that my Bank of America benefits card was suddenly closed.

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 2026-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint against a debt collection agency, ProCollect Incorporated, who has been erroneously charging me {$4700.00} over the past 15 years. This debt was already resolved and cleared, yet ProCollect continues to report and pursue it. I have made numerous attempts to resolve this directly with ProCollect, but the issue persists. I respectfully request your assistance in investigating and stopping these unlawful practices. Please confirm receipt of this complaint and inform me of the next steps. Thank you for your attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2026-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO BANK NATIONAL ASSOCIATION
State: LA

Complaint narrative:
The BMO HARRIS AND XXXX XXXX XXXX ACTED AS A REPRESENTATIVE OVER MY ACCOUNT AND AUTHORIZED FUNDS TO BE MOVED TO STOCKES THAT I NEVER AGREED TO INVEST IN OPENED A SELF DIRECTED ACCOUNT THAT WAS CONNECTED TO MY IRA AND USED THE MONEY FROM THERE AS WELL .THE WHOLE TIME THERE WAS A SECOND DEBIT CARD ATTACHED TO MY ORIGINAL DEBIT CARD THAT WAS NEVER ORDERED FROM ME

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 2026-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
This was XXXX debt due to a previous investigation directly through XXXX ; Confirmation # XXXX, however, it was not removed from all consumer reporting agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint because I dispute Synchrony Bank/CareCredits representations regarding account notices, electronic statements, and promotional interest charges. The company previously represented that I enrolled in electronic statements. I do not recall requesting or consenting to electronic statements, and despite my requests, Synchrony has not provided proof of my enrollment, the date of enrollment, the method of enrollment, or the email address associated with such enrollment. In addition, I have now received multiple substantially identical letters, including letters received in XX/XX/year> and XX/XX/year>, stating that the enclosed statement was sent either because I requested a statement reprint or because a prior statement was returned by the XXXX. XXXX XXXX. The letters are undated, do not specify which explanation applies to my account, and do not provide any evidence that mail was returned by XXXX. My mailing address has remained the same throughout the life of this account. Synchrony has not provided proof of returned mail, proof of an address change, or documentation showing that I requested statement reprints. I requested the following information from Synchrony : proof of electronic statement enrollment and consent, records of electronic statement delivery, copies of promotional notices, proof of returned mail, records of any address changes, and documentation of any statement reprint requests. The company has not provided this information. I am requesting that Synchrony provide documentary evidence supporting its claims and conduct a thorough review of the disputed charges and notices associated with this account.

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 2026-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America refused to investihgate fraudulent charges reported by me, they refused to investigate the charges and provide me unmistakeable proof via photo or video that it was me making the charges. They have done nothing other than attempt to collect a debt I do not owe as it is not mine. They have destroyed my credit by reporting fraudulent information to all credit bureaus other credit card companies and even my employer knows of this

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 2026-06-21 00:00:00
Product: Credit card — Store credit 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: MD

Complaint narrative:
In XXXX I buy a recliner at XXXX XXXX XXXX for {$700.00} i used the store card to pay for the chair, anyway this chair was damaged so I reported the damaged the store came and took the chair so I took another chair for less priced which is {$390.00} now on the first chair the bank charge me {$780.00} plus annual fee on the first chair I told the bank I don't have the first chair so I have a different chair for less so why are still charging me for the first chair I'm so upset with XXXX XXXX XXXX and also there bank XXXX XXXX XXXX i just want my money back and they can come and take their c

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America changed their auto pay system prior to XX/XX/year>, I did not receive any explanation that this change would occur, so my monthly auto pays were no longer paying my entire balance. I noticed interest charges accruing prior to XX/XX/XXXX & requested refunds as I immediately paid off any due balances after receiving late payment notices, however still unaware about the new auto pay policy. I only recently discovered this issue when I spoke with a customer service representative on XX/XX/year> who explained the new policy briefly before ending the phone call. I ensured my auto pay was setup correctly again. On XX/XX/XXXX, I requested my interest charges to be refunded. On XX/XX/XXXX, I was denied but only received an email for 1 of 2 charges ( XX/XX/XXXX for {$66.00} but not XX/XX/XXXX for {$70.00} ). The only explanation I received was an email notice stating that I was " Declined '' but I was not given any explanation. On XX/XX/XXXX, Customer Service stated that my request for XX/XX/XXXX was also denied, but XX/XX/XXXX was not included in my XX/XX/XXXX email notice as it only showed XX/XX/XXXX. Customer Service stated that there was no way to send a written formal notice explaining why I was denied, send an additional email or explain the results of either dates and unable to escalate my complaint further.

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 2026-06-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
I had a blocked trust account opened up for me in XXXX because I was awarded XXXX from an accident I was in when I was a minor and XXXX XXXX XXXX closed the account the day I turned XXXX without a judges signature and I was in XXXX taking care of my grandmother the day I turned XXXX and I forgot about the money even being there until recently so I went down to get the judge to sign off on it so I could get the money disbursed to me and when I went down to the bank with the court document and that's when they told me the account was closed and they weren't going to follow the order from the judge .. so I went back to the courts to get the judge to sign a order to disperse and went down with that order and they again told me that they couldn't give me the money because the account was closed and I asked for the internal ledger or a signed check of who the funds were disperse to and I asked how could they do that without a judges signature and they told me that they no longer have records of the account because it was over 7 years and that they didn't need a judges signature I know I didn't go into any bank and sign anything because I was physically in XXXX when they claim the account was closed and I forgot that it was even there so I know that I didn't receive anything from them but they can't give me anything showing who or what or where the money is or went other than the account was closed on XX/XX/XXXX and it was closed with a XXXX balance.. I thought that blocked trust accounts were suppose to accumulate interest not go to XXXX so how could that be right when I never got it transfered to another account nor had the money dispersed to me and they never had a judge sign off on the account proving I had turned XXXX .. now I have been in and out of court fighting to get the money that was suppose to be protected for me and I'm being told they can't do anything and the lawyer that XXXX XXXX XXXX hired is trying to get the bank off from paying out the money. I am asking for help to resolve this matter so it doesn't happen to another person thank you for your time in this matter and look forward to hearing from you .. thank you again

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 2026-06-21 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: ID

Complaint narrative:
Citi bank Best Buy credit card was randomly closed because I was being sued by XXXX XXXX I asked why they said its just closed sorry.

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 2026-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company 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 2026-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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