vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I am filing this complaint regarding an unjust late fee and Bank of Americas failure to properly investigate an autopay system error.

I have spoken with multiple Bank of America associates regarding this issue, including contacting the company through social media, as there is no direct customer service email available. Despite these repeated attempts, I continue to receive inconsistent and inaccurate information.

Bank of America has stated that my late fee reversal request was reviewed and closed due to insufficient funds. This is incorrect. I have documentation showing that my account had approximately {$140.00} available at the time the payment was scheduled, and the required payment amount was only {$72.00}. I also received an email confirmation stating that the payment was scheduled for midnight on the 22nd.

I relied on this confirmation and ensured sufficient funds were available. Despite this, my account was later marked with a late payment. One Bank of America associate acknowledged that I had previously been given inaccurate information by another representative.

This is not a one-time issue. I have continued to experience problems with Bank of Americas autopay system, and the banks AI phone system has made it extremely difficult to resolve the issue or reach meaningful support. 

I am requesting : XXXX. Immediate reversal of the late fee XXXX. Confirmation that no negative credit or account reporting has occurred or will occur XXXX. A proper review of the autopay system failure rather than an incorrect claim of insufficient funds This issue was caused by Bank of Americas system failure and conflicting guidance, not by customer error. I have been a long-term customer and am extremely disappointed with the handling of this matter.

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 2026-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am filing a complaint regarding Affirm XXXX XXXX and its reporting of multiple charge-off accounts on my consumer credit reports. 

I disputed the accuracy of the following Affirm accounts both with the credit bureaus and through written correspondence. Affirm did not respond directly to me and did not provide any documentation to substantiate the reporting. Instead, Affirm verified the accounts through XXXX  without providing proof of accuracy or conducting a reasonable investigation. 

The accounts are : Account XXXX Balance {$220.00} Account XXXX Balance {$130.00} Account XXXX  Balance {$84.00} Affirm has failed to provide : Proof of contractual obligation Complete payment history Date of first delinquency Documentation supporting the balances reported Verification through automated credit bureau XXXX does not satisfy Affirms obligations under the Fair Credit Reporting Act, including XXXX U.S.C. XXXX ( b ), which requires a reasonable investigation of disputed information. 

I am requesting that Affirm : XXXXConduct a proper investigation XXXXProvide documentation supporting the reporting, or XXXXRemove these accounts from all consumer credit reporting agencies I am also requesting that Affirm cease reporting inaccurate or unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Company is reporting a debt all to them from a previous landlord, money is not owed, asking for proof of original contract and proof that I agreed for them to sell my information

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 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. 

The account listed below does not belong to me and appears to be the result of fraud and/or identity theft. I did not open, authorize, or benefit from this activity. 

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you investigate this matter and remove or correct this inaccurate information. Please verify this account with the furnisher and provide documentation showing that I am legally responsible for the debt. 

If the furnisher can not provide sufficient proof that this account belongs to me, I request that it be deleted from my credit file immediately. 

This dispute is based on fraud/identity theft. I certify that the information provided in this dispute is accurate to the best of my knowledge. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Full Name : XXXX XXXX [ Your Date of Birth : XX/XX/year> [ Your Address : XXXX XXXX XXXX XXXX [ City, State, ZIP : XXXX IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
On XXXX XXXX, 2025, I sent a certified letter to the company that I requested chain of custody, proof of ownership, a true and complete copy of the contract bearing my signature, comprehensive itemization of all debts, credits, interest, payments, and fees. I was sent a copy of the statement from the original creditor. I then sent a certified letter on XXXX XXXX, 2025 stating the violation of not sending the documents and that the XXXX day time limit has lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
National Credit Systems is reporting XXXX separate monthly collection accounts for the same apartment lease from the same landlord. I moved out of the apartment, and the landlord confirmed in writing that my eviction was canceled, my security deposit was applied, and my final balance was approximately {$30.00}. I never lived in the unit during the months being charged. Despite this, National Credit Systems reported multiple collections for separate months, which represents duplicate and inflated charges for the same alleged debt. I disputed the accounts with TransUnion, but they were marked verified without proper validation of move-out dates or an itemized balance calculation. I am requesting that these inaccurate and duplicate collection accounts be removed. 
Additionally, the monthly rent under the lease was approximately {$770.00}, and the amounts being reported in collections do not align with the lease terms or an itemized calculation based on my move-out date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I transferred a balance of {$6700.00} with a fee of {$200.00} for the promotional offer of XXXX months interest free. As of XX/XX/XXXX, I was billed {$140.00} for interest and immediately placed a call to Capital One. I was transferred XXXX when finally being told that the promotion was only good for XXXX months from the date the account was opened. I have reviewed my statements with none of this information being reflected. I also would have NEVER agreed to these term especially when I had a set amount I was paying to them monthly to make sure the promotion was paid by its due date. I am requesting that the interest is waived and in return I will pay the balance in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: DE

Complaint narrative:
Jefferson Capital Systems is reporting a XXXX XXXX collection with an inflated balance. The account first appeared in XX/XX/XXXX at {$1100.00} and has increased to {$2100.00} as of XX/XX/XXXX with no explanation or itemization. I never received a bill or validation notice. I did not originate the account and never agreed to accept transferred device balances. Jefferson Capital has not provided any contract, proof of transfer acceptance, or authority to add charges. I am requesting deletion of this account due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Unauthorized cancellation by Capital One XXXX caused forced purchase of new tickets and financial loss along with mental pressure. 

I am submitting a complaint regarding Capital One XXXX ( via XXXX ) for unauthorized cancellation of my confirmed business class flight and failure to respond to regulatory complaint. 
I planned and booked my tickets in XX/XX/year> 8 months ahead of my travel due to my sons XXXX XXXX. 

On XX/XX/year>, Capital One XXXX canceled my familys confirmed Business Class tickets on XXXX without my authorization after the airline confirmed the cancellation was initiated by the travel agency. I did not request this cancellation, and I had no notice giving permission. 
Due to this unauthorized cancellation, I was forced to purchase new XXXX tickets on XXXX XXXX totaling {$14000.00} to complete the same trip with the same travel dates ( XX/XX/year> ). This resulted in significant financial harm. 
I filed a complaint with the XXXX Department of Transportation ( XXXX # XXXX ), submitted all supporting evidence ( airline confirmation, ticket receipts, explanation of financial and medical hardship ), and followed up multiple times. Capital One XXXX never responded to the DOT complaint. 
Additionally : I lost the benefit of the business class seats I originally booked. 
I paid extra for XXXX XXXX which did not deliver the expected benefit on XXXX XXXX. 
I experienced physical hardship during travel ( recent XXXX for myself and medical needs for my XXXX son ). 
Capital One Travels cancellation was unauthorized and caused a large financial loss. 
I am requesting a full reimbursement of the replacement ticket cost ( {$14000.00} ) and consideration for the loss of the original business class service, as well as any additional compensation appropriate under CFPB policies. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/year>, a job scam check was sent to me. I was told in order to get job with XXXX I need to cash check they wire it to another person. It all turned out to be fraud. I contacted Capital One immediately. I spoke with people in the fraud department for hours and days. Next I put a police report In regarding Capital One and XXXX XXXX. 

Capital One says I owe the money. I need help to clear this up now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. 

The account listed below does not belong to me and appears to be the result of fraud and/or identity theft. I did not open, authorize, or benefit from this activity. 

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you investigate this matter and remove or correct this inaccurate information. Please verify this account with the furnisher and provide documentation showing that I am legally responsible for the debt. 

If the furnisher can not provide sufficient proof that this account belongs to me, I request that it be deleted from my credit file immediately. 

This dispute is based on fraud/identity theft. I certify that the information provided in this dispute is accurate to the best of my knowledge. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Full Name : XXXX XXXX [ Your Date of Birth : XX/XX/year> [ Your Address : XXXX XXXX XXXX XXXX [ City, State, ZIP : XXXX IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I booked a hotel stay through Amex XXXX for XX/XX/year> at XXXX XXXX and Cottages, XXXX XXXX XXXX, XXXX XXXX, CA. The booking confirmation number is XXXX. The total trip cost was {$320.00} ( {$280.00} room rate plus {$40.00} in taxes and fees ). 

I am an American Express XXXX cardholder and was specifically attempting to use the {$300.00} XXXX XXXX XXXX, which applies to prepaid bookings at Fine Hotels + Resorts or The Hotel Collection when booked through Amex XXXX. While searching on Amex XXXX, I used the option to XXXX by XXXX XXXX. Under this sorted view, XXXX XXXX and Cottages appeared as an available option, which reasonably led me to believe the hotel was part of The XXXX XXXX and eligible for the promotional credit. 

Based on this presentation, I selected and booked this hotel. I later learned that XXXX XXXX and Cottages is not part of The Hotel Collection and is not eligible for the {$300.00} hotel credit, and American Express declined to apply the credit. There was no clear disclosure during the booking flow that XXXX by XXXX XXXX would still display non-participating hotels, nor any warning that the hotel I selected was not eligible for the promotional benefit. 

The only reason I selected this hotel was because it appeared under the Sort by Hotel Collection results while I was intentionally trying to use the XXXX XXXX XXXX. I believe this sorting option is misleading to a reasonable consumer and does not clearly distinguish between participating and non-participating properties. I am requesting that American Express apply the {$300.00} XXXX XXXX or provide an appropriate goodwill adjustment due to this misleading presentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I received an email from a local business ( XXXX XXXX  XXXX XXXX ) that an invoice was due. The email sent was from what appeared to be their accounting department ( XXXX ), which I've received emails from in the past. The email stated that their online payment system was down and that I needed to pay my invoice through. I then submitted my payment to their XXXX  account on XX/XX/year>. A few weeks after I submitted the payment, the business contacted me directly stating that they did not receive my payment and that a few customers have received emails stating that they needed to make payments through XXXX or XXXX ; however, their system got hacked, and they never sent the request out. I reached out to TD bank via phone and they denied my dispute twice. I provided them with detailed information, including the fraudulent email sent from the accounting department, and the email from the business stating their system got hacked. They denied my claim on XX/XX/XXXX and XX/XX/XXXX, noting that the transaction was authorized. 

The amount disputed is for {$920.00} My TD Bank confirmation dispute number is : XXXX I faxed all documents showing proof of fraud to their Dispute and Claim Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: UT

Complaint narrative:
Complaint Narrative : I am filing this formal complaint to assert my right to RESCIND ( cancel ) my loan with Dividend Solar Finance, originated on XX/XX/XXXX. 
XXXX. Assertion of Equitable Tolling ( Timeliness of Claim ) Under the Truth in Lending Act ( TILA ), a borrower typically has XXXX years to rescind a loan if disclosures are materially defective. While that statutory period would have technically expired on XX/XX/XXXX, I assert that the deadline is equitably tolled ( extended ) due to the lender 's active fraudulent concealment. 
The Concealment : Dividend Solar Finance intentionally hid a staggering {$80000.00} " Dealer Fee '' ( or " Platform Fee '' ) within the principal balance of my loan to manufacture a deceptive XXXX % interest rate. They did not disclose this as a Finance Charge, but rather disguised it as " Amount Paid to Seller, '' making it impossible for me to detect the violation at signing. 
The Discovery : I was prevented from discovering this scheme until recently, when legal counsel and federal litigation ( In re Dividend Solar Finance, LLC ) revealed that XXXX % loans in late XXXX were economically impossible without massive hidden subsidies. 
The Result : Because the lender actively hid the facts necessary for me to exercise my rights, they can not benefit from the lapse of time. My right to rescind remains active. 
XXXX. The Evidence of {$80000.00} in Fraudulent Inflation The loan agreement lists a XXXX % APR and an Amount Financed of {$110000.00}. 
True Market Value : The actual fair market value of the solar equipment installed is approximately {$30000.00}. 
The Hidden Fee : There is an unexplained, undisclosed variance of over {$80000.00} ( nearly XXXX % of the total loan ) that does not represent tangible goods or services. This {$80000.00} is a prepaid finance charge used to buy down the rate from market levels ( XXXX % ) to the artificial XXXX %. 
Legal Violation : By burying this {$80000.00} fee in the principal, Dividend Solar Finance violated 15 U.S.C. 1605 ( a ), which requires all costs of credit to be disclosed as Finance Charges. This rendered the TILA disclosures materially false and legally void. 
XXXX. Demand for Relief I have sent a formal Notice of Rescission directly to the lender. Through this complaint, I demand that the CFPB oversee this process to ensure Dividend Solar Finance complies with its obligations under 15 U.S.C. 1635 ( b ) : XXXX. Void the Security Interest : The lender must immediately release any UCC-1 filing or security interest in my home. 
XXXX. Return All Payments : All interest and principal paid to date must be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KS

Complaint narrative:
On or about XX/XX/XXXX I recieved a letter from XXXX regarding a request for XXXX  via XXXX  XXXX status. I replied back to opt out of the discharge for now due to being in school. I then recieved another notification for XXXX  discharge on XX/XX/XXXX and called XXXX XXXX and submitted a second request to opt out of the discharge until I graduate in XXXX. I then received an e-mail around XX/XX/XXXX that my XXXX  was approved and that my loans would be XXXX. I called XXXX again to ensure that the discharge was being stopped. XX/XX/XXXX, I recieved another request for XXXX via XXXX  and opted out of that one once again. On XX/XX/XXXX I recieved an e-mail from my school 's financial aid office stating that my loans were XXXX and that I would need to fill out forms to be granted my aid for spring XXXX semester. I first called XXXX to discuss this matter and they submitted a request to have my XXXX  reversed due to technical error. It was processed but is still reflecting that my loans are discharged for my school. I called my financial aid officed to explain this situation and they stated that they will have to cancel my loans for spring XXXX and that I would be held accountable for that balance if I did not sign the XXXX  request forms stating that my future loans could not be discharged and that I would need a doctor written statement stating I am able bodied enough to go back to school. I refuse to sign the XXXX  documents since I am having the XXXX  reversed but my school will not release my aid that was previously approved and I can not attend school for this spring semester because of this issue. I am seeking out information on how to either speed up the XXXX  reversal process and or obtain proof of this reversal to show my financial aid office so that they may release my aid.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
A correspondence was received that was from Educational Credit Management Corporation ( ECMC ). In this correspondence ( letter ) it is allegedly claimed that there is a defaulted loan and in order to repay this defaulted loan, a treasury offset will be activated. I disputed this debt back in 2017 and never received a lawful verification and validation of the 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