vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally submit a complaint regarding the closure of my Wells Fargo credit card account ending in XXXX. 

I have always paid this account on time and maintained a perfect payment history. I have never had a late payment, and I consistently made monthly payments in good faith. 

Wells Fargo closed my credit card without prior warning or notice. I was not contacted in advance by phone, email, or secure message. I only received a mailed letter approximately XXXX days after the account had already been closed, which did not give me any opportunity to respond or prevent the issue. 

This action is harmful to my credit and has a direct negative impact on me as a business owner. My credit profile is critical to my business operations, and closing an account without warning or valid justification puts my financial stability at risk. My credit should not be damaged or affected without cause, especially when I have acted responsibly at all times. 

Wells Fargo stated that the reason for the closure was XXXX returned payments. However, this situation occurred because Wells Fargo removed the linked payment accounts that I had been using to make my payments. After those accounts were removed by Wells Fargo, I was unable to submit payments through the same method. In addition, multiple payment accounts were deleted, which further prevented me from paying as usual. 

Despite these obstacles, I continued to make payments and paid down my balance in full. Any returned payments were not due to negligence or insufficient funds, but rather due to Wells Fargos own actions that restricted my ability to pay. 

I am requesting the following : XXXX. A clear and detailed written explanation for why my account was closed despite my consistent on-time payment history. 
XXXX. Confirmation that my credit card account is reported accurately to all credit bureaus as closed by issuer, paid as agreed. 
XXXX. Correction of any negative or inaccurate credit reporting related to this account. 
XXXX. A formal review of the payment access issues caused by the removal of my linked payment accounts. 

This situation has caused unnecessary harm and stress and could have serious consequences for my credit and my business. I respectfully request a prompt investigation and resolution. 

Sincerely, 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 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX by Comenity/Bread Financial : My last purchase was on XX/XX/XXXX. 
I completely paid off my card on XX/XX/XXXX ( {$570.00} on XX/XX/XXXX + {$48.00} on XX/XX/XXXX ) and called to have the ACCOUNT CLOSED. 
They charged interest on purchases on XX/XX/XXXX for {$3.00}. 
Here are the remaining transactions : Late fee {$3.00} on XX/XX/XXXX Interest charge {$3.00} on XX/XX/XXXX Late fee {$9.00} on XX/XX/XXXX Interest charge {$3.00} on XX/XX/XXXX Late fee {$12.00} on XX/XX/XXXX Interest charge {$3.00} on XX/XX/XXXX Called ( approx XX/XX/XXXX ) to find out why they were still charging fees on an account I closed months prior and paid off. They indicated that until I paid it off, i would continue to accrue interest and late fees. I told them I had done so months prior and requested the waive all fees and close the account as I indicated back in XXXX. They said they would not. 
Late fee {$27.00} on XX/XX/XXXX Interest charge {$3.00} PAID OFF PLUS INTEREST AGAIN on XX/XX/XXXX in the amount of {$61.00} even though my balance was only {$58.00}. Their system said that the amount should be paid was {$61.00} to avoid further interest charges. THIS WAS A 100 % PAY OFF AGAIN and I was left with a - {$3.00} CREDIT BALANCE. 
THEY HAVE AGAIN CHARGED ME {$.00} interest!!!! 
I called just now ( XX/XX/XXXX ) to see if they are actually going to close the account or continue charging me illegal fees. They assured me it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received an IRS 1099-K form in the mail from Block, Inc. f/k/a/ Square, Inc., XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX . This is fraud as I do not have a Cash App account. I called ( XXXX ) XXXX but the Cash App customer service is terrible and they keep telling me that they can not help because I do not have a Cash App account. I did some research and there seems to be many other citizens that have experienced the same fraud/identity theft. The customer service is terrible and I am not getting this issue resolved. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Albuquerque Auto Outlet
State: NM

Complaint narrative:
I am filing a complaint against Albuquerque Auto Outlet for inaccurate credit reporting and illegal re-aging of an auto loan following a voluntary surrender. 

I entered into an auto agreement with this company on XX/XX/XXXX, when I was XXXX XXXX XXXX. The vehicle was a XXXX XXXX XXXX with over XXXX miles. The total obligation was approximately {$16000.00}, which I now believe was a predatory and unconscionable transaction targeting a young, first-time buyer. 

I made payments as agreed and did not miss any payments prior to returning the vehicle. The vehicle was voluntarily surrendered, and my last payment was made on XX/XX/XXXX. At that point, the account became delinquent. 

Despite this, Albuquerque Auto Outlet continues to report the account as OPEN and updates it monthly as 120+ days late, including in XXXX  and XXXX. This constitutes illegal re-aging under the Fair Credit Reporting Act, which prohibits extending the reporting period beyond seven years from the date of first delinquency. 

The account should not be reported as open, nor should monthly delinquencies continue to be added years after the surrender. The continued reporting is inaccurate, misleading, and has caused long-term harm to my credit profile. 

Additionally, online public reviews indicate a pattern of similar complaints from other young consumers who report nearly identical experiences involving predatory auto terms, voluntary surrenders, and prolonged credit damage through improper reporting. 

I am requesting that Albuquerque Auto Outlet be required to : Provide the true date of first delinquency Cease illegal re-aging Correct or delete the inaccurate credit reporting I am also requesting that this complaint be reviewed as part of a potential pattern of deceptive and predatory practices affecting young and first-time buyers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I was charged {$100.00} USD through TapTap Send for a remittance transfer, which was converted to XXXX XXXX and sent to a recipients XXXX XXXX account in XXXX XXXX. 
At the time of the transfer, the recipient informed me that he did not have access to his XXXX XXXX account. I contacted TapTap Send to ask whether the transaction could be canceled. Following this request, TapTap Send blocked the funds. 
Despite multiple attempts to resolve the issue with TapTap Send, no refund or resolution was provided. After further communication, I asked the recipient to regain access to his account. Once access was restored, the recipient confirmed that the XXXX XXXX  were blocked, never accessible, and TapTap Sends transferred the funds XXXX XXXX to their local partner. 
Although TapTap Send marked the transaction as completed, the recipient never received or used the funds. After I initiated a dispute, TapTap Send suspended my account and did not provide meaningful follow-up. 
My bank initially denied the dispute. I have since reopened the dispute with newly submitted evidence, including confirmation that the funds were blocked and never delivered. I am seeking resolution based on non-delivery of services, as well as a review of my account suspension and reinstatement of my TapTap Send account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Community Health Investment Company, LLC.
State: ID

Complaint narrative:
I have no knowledge of any debt owed to the company that comes up as XXXX XXXX XXXX on my phone. I have received nothing in the mail in the last XXXX months. I did move XXXX months ago but set up mail forwarding with USPS, so any legitimate notice should have reached me. They call constantly at XXXX XXXX in the morning when I am asleep, which feels harassing. From research, they appear to be a medical bill-related collection agency. The only medical bills I owe are with a different collection agency ( XXXX ) that's on my credit report. Other than that, I co-signed a dentist bill with my XXXX XXXX years ago, but that went to court and got dismissed in XXXX. Therefore, I know of no medical bills owed. This is either a scam or they are trying to contact a XXXX XXXX, which I have repeatedly told companies that's not me nor do I know this person. They call almost every day and do not leave any voicemail since at least XX/XX/XXXX. I request written validation if this is a real debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management
State: LA

Complaint narrative:
This debt collector Plaza Services has been contacting me regarding a debt owed from XXXX XXXX. I have disputed the balance owed with XXXX XXXX and this company, on several occasions. I do not owe Plaza Services debt collection company anything/ any money at all. 

This company has been contacting me on a daily basis, with phone calls and text messages to my phone number. This is causing stress and has created a financially crippling situation, with this debt being reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Dear Wakefield and associates I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MORTGAGE SOLUTIONS OF COLORADO
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX, my house experienced an electrical fire and the damage is to be determined. The city of residence has shut off power until everything has been fixed. An insurance claim has been made and a report from the fire department has been made as well. Due to these circumstances I have fallen on hard times, and I am displaced nor can I afford other means of living, and groceries have spoiled and we have no way to shower, keep clean or pay for this. On XX/XX/XXXX I requested a relief option with MSF forbearance on my loan and was granted a " 3-month '' forbearance. The catch was it excluded XX/XX/XXXX because I had already paid it. I made the mortgage payment in good faith before the hardship request because I was required and when I asked for the funds to be reverse so that I may receive the " 3-months, '' I was denied and told to reapply for an extension. I had no idea they would offer me relief so I made the payment. MSF gave me a " 2-month '' forbearance not a " 3-month '' foreberance. I was in contact with MSF over email for several days attempting to rectify this but they did not budge. After my hardship request I was told that I was not required to make XXXX 's payment AFTER I paid the mortgage " but it's good that you did. I am out of options, frustrated and feel taken advantage of. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I am disputing a rental debt being reported by Pro Collect. On XX/XX/year>. I submitted a written dispute and request for validation, requesting documentation establishing Pro Collects legal authority to collect the alleged debt, including proof of assignment or authorization from the original creditor. I expressly stated that this was not a refusal to pay. 

On January 5th-6th, 2025, Pro Collect responded by sending only a copy of my signed lease and a letter demanding payment of {$4200.00}. This does not constitute proper validation of the debt under the Fair Debt Collection Practices Act, as it does not establish Pro Collects authority to collect from me. 

Despite my dispute and request for validation, Pro Collect continues to report the account to Experian as a valid collection tradeline. 

I have sent follow-up written notices emphasizing that providing a balance statement or demand letter does not satisfy the validation requirements under FDCPA 1692g, and that continued reporting of an unvalidated debt may violate the FDCPA and the Fair Credit Reporting Act. 

To date, Pro Collect has not provided proper validation, yet continues collection and credit reporting activities. This inaccurate reporting is negatively affecting my ability to secure housing. I am requesting that Pro Collect either provide proper validation as required by law or cease collection and credit reporting activities related to 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 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
On or about XX/XX/XXXX after I opened a new bank account I was alerted by the branch XXXX at TD bank location that my safe deposit box was delinquent in payment that was XXXX year behind There after I presented proof of recent payment for XX/XX/XXXX Box payment are only due once that cover the whole year The branch XXXX was trying to coerce me into paying every XXXX  months.. 

My explanation and proof of payment was dismissed and the XXXX informed me the payment for the safe deposit box was a year behind Thereafter for the past month I have persistently Requested a copy of payment history to date TD bank headquarters and branch XXXX refuses to furnish this information and recently on XX/XX/XXXX TD bank headquarters staff fabricated that I can not be reached via email or by phone However this is fabricated to protect their best interest I reside in a assisted living facility where my aging life care advocate is directly linked to my contact information according to my life care advocate TD bank has made absolutely no effort to contact This is a scam that TD bank is attempting to facilitate simply because XXXX a senior citizen basically I was assumed of having disposable income due to opening a account on the date in question after this experience where I am not treated as a valued customer for the past XXXX  years I no longer have absolutely no trust in TD bank Thereafter I disputed the Debt I have had the safe deposit box for XXXX consecutive years never had this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: NY

Complaint narrative:
Starting XX/XX/year>, every time I log onto my Discover Online Savings Account, I am brought to a screen that says " Lets get you verified '' and I have to upload a picture of the front and back of my license as well as take a selfie. I have done this XXXX ( XXXX ) times over the last XXXX ( XXXX ) days. I have contacted Discover XXXX times via secure message and once by phone regarding this issue and am told it's a known issue but they refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
I am disputing this collection account because Jefferson Capital Systems has not provided documentation showing that I am legally responsible for the alleged debt or that they have the legal right to collect it. I have not been provided with a copy of the original agreement, proof of ownership of the debt, or a complete and accurate accounting of the amount being reported. Despite this account continues to be reported on my credit report. I am requesting a full investigation under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. If Jefferson Capital Systems can not fully verify this account with proper documentation, it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had electrical work done on my house on XX/XX/year>. The company was XXXX XXXX XXXX, XXXX and XXXX XXXX. XXXX XXXX advised me the total amount for the work would be {$13000.00} with an interest rate of 9.99 %. That is not disputed. I was financed through Synchrony Bank with the Synchrony bank XXXX XXXX. 
I was given the " loan terms '' and " monthly payment '' by XXXX XXXX. I agreed to that as it was within my budget. 
I called Synchrony Bank on XX/XX/year> to ask why I hadn't received any documents.They stated there were none to give at that time because the " loan terms and agreement and monthly payment '' had not been generated yet. I was very confused as to what was happening. They stated it would not generate until XX/XX/year>. 
Once I got my XXXX  bill and requested the loan terms and agreement I was upset. The terms and monthly payment was not what was told to me by XXXX XXXX. Having said that, I am disputing the loan amount because Synchrony bank failed to provide me the loan terms and agreement and monthly payment before the work was done.I never signed anything with Synchrony Bank agreeing to these terms. They are violating a XXXX  law XXXX, XXXX  XXXX XXXX  XXXX XXXX. I refuse to pay Synchrony as they did not provide pertinent details to determine if the terms were within my budget or something I would agree to. I was not given that option.

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 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
I am filing this complaint regarding an inaccurate rental collection account and false representation of the amount allegedly owed. 

On or around XX/XX/XXXX I entered into a signed move-out agreement with the original creditor XXXX XXXX  XXXX The agreement reflects an amount of {$3400.00} and confirms that we vacated the unit prior to the required date under that agreement. 

Despite this, a third-party collection agency is reporting and attempting to collect a balance of {$4600.00}, which does not align with the signed move-out agreement. I did not agree to this higher amount, and no itemized explanation has been provided to justify the increase. 

I first contacted the original creditor on XX/XX/XXXX, disputing the amount and requesting clarification. I received no response. I forwarded my dispute again on XX/XX/XXXX, and again received no response. 

On XX/XX/XXXX, after locating my signed move-out agreement, I contacted the original creditor again and provided a copy of the agreement showing the agreed amount of {$3400.00}. The original creditor has still failed to respond or correct the discrepancy. 

Separately, on XX/XX/XXXX, I sent a written request to the collection agency requesting validation of the debt, specifically asking for documentation supporting the amount being reported. To date, I have not received proper validation explaining or substantiating the higher balance. 

This account remains formally disputed. The collection agency continues to represent an amount that conflicts with the governing signed agreement, and the original creditor has failed to respond despite multiple written attempts. I believe this constitutes a false representation of the amount owed and inaccurate credit reporting.

Company response to consumer: Closed with explanation