vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I am filing this complaint against Credit Acceptance Corporation for inaccurate credit reporting, failure to properly handle collateral disposition, and failure to correct errors after being notified. 
The account involves a vehicle jointly financed in my name. After a separation in XX/XX/XXXX, I no longer had possession or control of the vehicle. In XX/XX/XXXX, the vehicle was towed by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Virginia. 
Credit Acceptance Corporation was notified that the vehicle was in the towing companys possession and was given the opportunity to repossess the collateral. XXXX XXXX declined to repossess the vehicle. This refusal was later admitted to me directly during a phone call. 
Despite declining repossession, the vehicle was subsequently sold by the towing company without my knowledge or consent. I did not receive any repossession notice, abandoned vehicle notice, auction notice, sale notice, or deficiency notice. 
Even though the collateral no longer exists, XXXX XXXX continues to report the account as open and severely past due on my credit report. This reporting is inaccurate and unverifiable under the Fair Credit Reporting Act and XXXX Article XXXX, as no proof of collateral disposition or deficiency has been provided. 
As a direct result of this inaccurate reporting, I have been denied housing XXXX times, lost over {$350.00} in non-refundable housing application fees, and now face imminent homelessness. I am a 100 % XXXX XXXX XXXX XXXX XXXX veteran, and this situation has caused severe financial and housing instability. 
Additionally, I discovered a significant discrepancy in the vehicle records. The vehicle was originally titled as a XXXX XXXX XXXX, yet during the towing and title process it appears to have been re-registered as a XXXX XXXX XXXX. If the VIN remained the same, this discrepancy is concerning and warrants investigation, as a vehicles model year should not change absent VIN justification. 
I reported these events in real time to the Department XXXX XXXX XXXX, and my VA records document the timeline and impact on my treatment and housing stability. I also possess recorded phone calls in which a representative admits I was denied any opportunity to intervene before the vehicle was sold. 
I am requesting that Credit Acceptance Corporation be required to provide full debt validation and collateral disposition records, correct or remove the inaccurate credit reporting, and provide a written explanation for continued reporting after the vehicle was sold. 
Supporting documentation is available upon request

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 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
debtor is reporting negative reports on my credit profile. information is out dated and incorrect please remove reports from my XXXX credit profile immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bepensa Capital, Inc.
State: TX

Complaint narrative:
I believe the company is money landering because i purchase this car in XX/XX/year> for {$13000.00} the total is {$17000.00} for a XXXX XXXX XXXX i had talked to individuals listed : XXXX XXXX, XXXX XXXX and others about the problems but wasn't resolved the constantly contact me which they shouldn't have due to don't call listed, also still threat to repossess car after multiple payments by pay near me i have receipts and bank statements. I feel this companies is doing fraud and other illegal issue that should be under investigation. please review my account so i can be able to refinance or trade in car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
From XX/XX/year>, to XX/XX/year>, my Chase debit card was subjected to extensive fraud, with numerous unauthorized transactions totaling approximately XXXX dollars. These charges include repeated XXXX rides, large restaurant bills from XXXX XXXX and XXXX XXXX XXXX XXXX, a XXXX purchase at XXXX, and other related expenses. 

All fraudulent transactions occurred in XXXX, California. I live in the XXXX XXXX and XXXX, California, and I did not go to XXXX at any point during this time period. It is impossible for me to have made these purchases in person. 

I first detected the fraud in early XX/XX/year>. Immediately, I contacted Chase customer service by phone to report the fraud, dispute all the charges, and request a replacement debit card. A new card was subsequently issued to me. I did not authorize these charges, nor did I share my card details with anyone. 

On XX/XX/year>, XXXX denied my claim in writing, stating the transactions were processed according to the information you provided or was authorized and Chase failed to provide any evidence to support this denial, such as no signed receipts or no proof of my location in XXXX. Additionally, some transactions was used through XXXX XXXX while I may have times that I dont have my phone on me all the time. Chase has not fulfilled its obligation under Regulation E to properly investigate this clear case of debit card fraud. I totally didnt make those transactions, someone that used my phone to make those transactions could be possible as my password isnt really private.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
In XXXX, an unauthorized XXXX XXXX bank account was linked to my Chime account without my knowledge or consent. As a result, approximately {$7000.00} was removed from my Chime account through unauthorized electronic transfers. 

I filed a police report at the time of the incident. Despite this, Chime failed to properly investigate the unauthorized activity as required under Regulation E and instead froze and/or closed my account without returning my remaining balance. 

I am requesting a full transaction-level accounting of my funds, documentation showing how the XXXX XXXX account was authorized, and reimbursement of any funds removed without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: OH

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2026-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated
State: OK

Complaint narrative:
I am unable to access my Oklahoma unemployment benefits due to repeated identity verification delays with Way2Go/XXXX Bank XXXX I successfully completed identity verification once and waited the required time.

I then attempted to follow up by phone and was disconnected by Way2Go representatives twice, requiring me to call a total of XXXX times with a combined wait time of approximately XXXX hours. After these disconnections, I was told I must re-submit verification and wait an additional XXXX hours, restarting the process through no fault of my own. ( They said the wifi went down ) These repeated disconnections and verification resets are preventing access to unemployment funds I rely on for basic living expenses and are causing financial hardship. 
Ive requested immediate supervisor escalation, manual review of my verification, and prompt release of my funds without further delay and have not gotten that. I really need these funds and it seems like they are making it a joke and giving me the run around. Please help! Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX. I would like to file a complaint with Mohela XXXX XXXX XXXX XXXX XXXX and requesting to have my loans forgiven on the grounds that DOGE violated the Family Educational Rights and Privacy Act of 1974 by gaining access to my personal loans. The law seeks to protect access to student education records from unauthorized parties and to give students, parents and guardians access to their own education records. " XXXXXX/XX/XXXX being around our private, sensitive information is a definite breach of data a violation of XXXX ''. I received a letter back on Friday, XX/XX/XXXX, and the letter and I was told that someone has try to file a XXXX Federal Income Return back in XXXX of XXXX. I have a credit freeze on all of my credit reports and somehow someone was able to apply for a XX/XX/XXXX account in which I had the account closed.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: ID

Complaint narrative:
A debt related to my account with XXXX is being pursued and/or reported without proper documentation. I have attempted to resolve this issue multiple times and requested records directly from XXXX. On XX/XX/XXXX at XXXX XXXX, I called XXXX billing at XXXX and spoke with a representative named XXXX. I requested complete billing history, account notes, cancellation records, and a final itemized statement, and was told no records or documentation were available. I have screenshots showing the timestamp of this call. Despite the lack of documentation, the balance continues to be pursued. I am requesting that the company be required to produce proper documentation or cease collection and remove any unverifiable debt reporting.

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 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Klarna AB
State: IL

Complaint narrative:
Several transactions were included on my statement from Klarna including sales I directly made from my personal business. Examples : XX/XX/year>, there is an item listed for {$430.00}. 
At XXXX Also XX/XX/year>, an item listed for {$240.00} Those are NOT purchases I made through Klarna , nor should they have ANY access to my personal information from my checking account. There are also other items listed that they should not be able to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OR

Complaint narrative:
I am filing this complaint against Chime Financial and XXXX  for failure to conduct a reasonable investigation under Regulation E. Despite providing a XXXX chronological evidence file, Chime issued a second denial in under XXXX hours. 
The Detailed XXXX ( XX/XX/XXXX ) : XXXXXXXX XXXX : I called XXXX, a number found via XXXX XXXX. ' A suspect posing as support claimed he needed to 'cancel and re-order ' my tickets to upgrade them to front row. 
XXXXXXXX XXXX XXXX Under intense pressure, he had me buy a {$500.00} XXXX gift card via XXXX XXXX. This sent my account into the negative. 
XXXXXXXX XXXX : He attempted a {$500.00} XXXX transaction ( Failed ). 
XXXXXXXX XXXX  : He had me open an XXXX XXXX XXXX and attempted a {$500.00} XXXX purchase ( Failed ). 
XXXXXXXX XXXX : He successfully forced an XXXX loan for {$590.00} ( including interest ) for a XXXX gift card. The receipt has a technical error : XXXX Wednesday XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX  : He attempted a smaller transaction for {$100.00} via XXXX ( Failed ). 
XXXXXXXX XXXX-Exit : He initiated XXXX XXXX and had me open an XXXX XXXX Account while watching my screen. 
The Exit : He ended the call by saying : XXXX 's try again tomorrow, what time do you wake up? ' He also warned : 'Dont call back, itll just make you look like youre causing trouble. ' XXXX XXXX Taken : As soon as the call ended, I realized I was scammed. I immediately contacted XXXX and Chime. I successfully closed the XXXX Virtual Card and reported the fraud. Chime initially took the report but later denied my dispute. When I provided a XXXX evidence file for a second review, Chime denied the dispute again in under XXXX hours. This is an impossibly short window to conduct a 'reasonable investigation ' of a XXXX technical document and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I am submitting this complaint regarding an annual fee charged on my Capital One XXXX XXXX account and the handling of my product change request. 

The {$390.00} annual fee posted to my account approximately 25 days ago. Shortly after the fee posted, I contacted Capital One customer service to request a product change from the XXXX XXXX  card to a no-annual-fee Capital One Rewards card. I specifically explained to the representative that I was not using the XXXX XXXX  benefits and could not justify paying the annual fee.

Based on that conversation, I proceeded with the product change. At no point was I clearly informed that completing the product change would permanently forfeit my ability to receive a refund of the annual fee, especially given that I was still within the typical 30-day window many issuers allow for annual fee refunds upon account changes or closure.

After the product change was completed, I was later told that the annual fee would not be refunded. As a result, I am now being required to pay a {$390.00} annual fee for benefits I no longer receive, since the XXXX XXXX card has been converted. 

Had I been properly informed that a product change would eliminate any possibility of a refund, I would have chosen to close the account instead. I made my decision based on incomplete and unclear information provided by the representative.

Additionally, a family member experienced a similar situation with Capital One last year and was granted a full annual fee refund after a comparable product change, which suggests that exceptions or discretion have been applied in the past.

I am respectfully requesting a one-time courtesy refund or statement credit of the annual fee, given : The fee posted only 25 days ago My clear intent to avoid paying the fee was communicated upfront I no longer receive the XXXX XXXX  benefits The lack of clear disclosure regarding forfeiture of the refund I am not disputing Capital Ones general policy, but I am requesting an exception based on the circumstances and the information provided to me at the time of the product change. 

Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing this formal complaint regarding a series of unauthorized and fraudulent transactions that have occurred on my account associated with Sling.Money. These charges were not made by me, nor did I authorize any of the payments listed below. As a result, I disputed a total of XXXX transactions on XX/XX/year>, and I am seeking the immediate reversal of all charges, as well as an explanation for how these unauthorized charges were processed. 

The following is a detailed list of the disputed transactions, totaling {$7400.00} : XX/XX/year> {$290.00} XX/XX/year> {$290.00} XX/XX/year> {$290.00} XX/XX/year> {$290.00} XX/XX/year> {$290.00} XX/XX/year> {$290.00} XX/XX/year> {$290.00} XX/XX/year> {$290.00} XX/XX/year> {$290.00} XX/XX/year> {$290.00} XX/XX/year> {$290.00} XX/XX/year> {$290.00} XX/XX/year> {$170.00} XX/XX/year> {$450.00} XX/XX/year> {$390.00} XX/XX/year> {$600.00} XX/XX/year> {$140.00} XX/XX/year> {$700.00} XX/XX/year> {$260.00} XX/XX/year> {$1300.00} XX/XX/year> {$940.00} XX/XX/year> {$19.00} XX/XX/year> {$260.00} Total Amount Disputed : {$7400.00} These transactions are fraudulent and do not reflect any authorized purchases or services I have received. I have never made, nor authorized, any payments to XXXX. I contacted XXXX on XX/XX/year>, to dispute these charges, and the company acknowledged my complaint, stating that an agent would investigate the issue. However, despite this, no resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: NC

Complaint narrative:
On XX/XX/XXXX of XXXX, I learned that XXXX companies were reporting the same rental debt for XXXX XXXX XXXX VA. Since XX/XX/XXXX, XXXX XXXX XXXX has been reporting I owe {$13000.00}, and Consumer Collection MN has also been reporting that I owe {$13000.00}. In XX/XX/XXXX, I was working with Consumer Collection MN to begin paying {$25.00} biweekly, and XXXX had set the agreement. On XX/XX/XXXX I had reached out to XXXX XXXX XXXX to resolve a second debt with them, and they were set on handling XXXX XXXX XXXX, even after learning I was working with another company. XXXX XXXX, asked for the other companys name, blamed the property, and said they dont do credit deletion with settlements, so I would still owe them. Both XXXX, and her superior, XXXX, interrogated me about my tax refund for last year and this year, including acknowledging that I would receive money back for the child tax credit. I explained that I had spoken with XXXX, XXXX XXXX XXXX property XXXX, on XX/XX/XXXX and XX/XX/XXXX, and she confirmed that she sent my account to Comsumer Collection MN. She provided their information to me, and I explained to her that she should be receiving a settlement offer soon from XXXX XXXX. I had to end the call after verbally expressing my discomfort and anger with them discussing my taxes, XXXX offered 20 % discount and I had to end the call with no further contact. I reached out to Consumer Collection MN, and spoke with XXXX, and she confirmed that XXXX has already started the process to offer a settlement to XXXX XXXX XXXX after speaking with XXXX on Friday, XX/XX/XXXX. She confirmed it was illegal for XXXX companies to report the same debt and try to collect. On XX/XX/XXXX, probably not recognizing they were for the same account, disputed with Experian, the XXXX XXXX XXXX and XXXX XXXX MN. They both remained on my credit report, and after disputing XXXX XXXX XXXX on XX/XX/XXXX, it remains after being resolved. I refuse to continue attempting to resolve a debt if XXXX companies are going to try to collect and report. Im in the process of trying to work on my credit, and I want to do the right thing but Im not paying XXXX companies to have the same item off my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/year> the IRS placed a levy on all of my accounts. The IRS reversed this levy on the morning of XX/XX/year>. My wife 's funds, which are in XXXX XXXX XXXX, were restored the following morning. As of XX/XX/year>, my funds have not been restored to me by Key Bank. 

I called Key Bank Customer Service on XX/XX/year> to find out why they were taking longer than XXXX XXXX XXXXXXXX in returning my funds. The customer service representative repeatedly placed me on hold when I asked to speak to a supervisor and kept asking me for my account information ( which she had already verified ). She hung up on me. I called back and spoke to a supervisor and explained the situation. She initiated a process of legal review which she said would take up to XXXX days to complete. I explained that I had a copy of the released levy which I could share with them but she said they can only use direct communication from the IRS. 

Due to the IRS levy and the delay in restoring funds to my account, Key Bank continues to collect NSF payments from me. 

The IRS has released the levy ( as evidenced by my copy of the release AND B of A releasing my wife 's funds ). Key Bank is currently XXXX week later than XXXX XXXX XXXX in restoring my funds without adequate explanation for why they are so much slower than a fellow bank at managing this process. I need to know SPECIFICALLY what is delaying the restoration of my funds and WHEN my funds will be restored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account is unfamiliar to me and appears to have been reported incorrectly on my credit file. I did not open or authorize this account, nor do I have any association with it, which leads me to believe it was reported in error. I ask that you carefully review and correct this inaccurate reporting.

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 2026-02-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation