vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am filing this complaint due to ongoing inaccurate and misleading reporting of the Credit Acceptance auto loan account ending XXXX which appears on both my XXXX  and XXXX  credit reports. This account is being reported with materially conflicting information that has not been corrected despite multiple disputes. The tradeline is labeled as a repossession delinquent and derogatory while simultaneously reflecting a voluntary surrender designation and positive payment history marked as OK for multiple months. These reporting elements directly contradict one another and can not lawfully coexist. A voluntary surrender with documented positive payment history can not be classified as a delinquent repossession without verified proof of default timelines notice of default cure periods and lawful repossession authority. 

I have repeatedly disputed this account and requested verification yet neither credit bureau nor the furnisher has provided competent evidence such as a signed retail installment contract a complete itemized payment history or documentation supporting the derogatory classification. Instead the bureaus continue to rely on automated furnisher responses while ignoring obvious internal inconsistencies within their own reporting. This demonstrates a failure to conduct a reasonable investigation and a disregard for accuracy and completeness requirements. 

The continued publication of this contradictory tradeline has caused ongoing credit score suppression and financial harm. The harm is compounded by the fact that favorable data already present in the payment history is being overshadowed by an unsupported derogatory classification. Updating remarks or reclassifying status without addressing the underlying contradictions does not resolve the issue and only perpetuates the damage.

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 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: MO

Complaint narrative:
I have sent two cease and desist letters to the company in regards to calling / texting mine and my cosigners telephones and places of employment. The company calls start the date the payment is due and do not stop until I pay them the installment amount. This is extremely harassing considering I am never late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing a complaint regarding {$170.00} in maintenance fees that Bank of America charged to one of my accounts without notice, explanation, or any consistent justification. The account was used for my sons college expenses and had no activity since XXXX of last year. Beginning in XXXX, the bank started charging {$25.00} per month in maintenance fees, which I only discovered last week. 
I contacted customer service twice. Both representatives agreed the fees did not make sense and said they could not reverse them. On XX/XX/XXXX, the second representative submitted a fee reversal dispute and told me I would receive a response within two business days. I received no communication from the bank. When I followed up, I was told the dispute had been reviewed three times and rejected on XX/XX/XXXX, but no explanation was provided. 
On XX/XX/XXXX, I then visited the Bank of America branch in XXXX, Michigan. The branch manager reviewed the account and acknowledged the fees appeared unwarranted. However, neither he nor any of the customer service representatives could provide a consistent explanation for why the fees began in XXXX. Instead, each person offered a different theory. XXXX theory was that, because I have been a Bank of America customer for over 30 years, a representative may have placed me into a preferred account type that waived fees but required a {$20000.00} minimum balance. I never requested or agreed to such an account, and I made it clear that I do not have that kind of balance. I even asked the manager to look at any of my accounts from XXXX  onward to confirm that I have never maintained a {$20000.00} balance. He typed on his computer but did not verify anything beyond agreeing that I did not agree with the fees. 
Despite acknowledging that the fees were inappropriate and that I was likely placed into the wrong account type without my consent, the branch manager stated that there was nothing he could do because the dispute department had denied the reversal. I was told repeatedly that once the review board declines a reversal, no one at the bank can override it, even when the charges appear to be the banks error. 
At this point, I have spoken with multiple representatives and a branch manager. All agreed the fees were improper, none could explain why they began, and all stated they were unable to correct the issue. I am requesting a full refund of the {$170.00} in maintenance fees and a written explanation of why these fees were charged, why the account type may have been changed without my consent, and why the dispute was denied without reasoning.

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
As of XX/XX/year>, Bank of America closed my credit card account without notice. This has negatively impacted my credit profile by taking my utilization down and decreasing my credit age since this was my XXXX oldest revolving account. XXXX  I realized my account was closed from their app, I called them and asked for the reasoning behind it. They told me that they sent a letter in the mail which I did not receive until approximately XXXX week later after our discussion.

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: NY

Complaint narrative:
I am disputing a debt reported by Unifin, with XXXX XXXX XXXX listed as the current creditor and XXXX XXXX XXXX XXXX as the original creditor. The alleged balance is {$9600.00}, and the stated default date is XX/XX/year>. 

I have no knowledge of this debt and do not believe it belongs to me. To my recollection, this debt has never appeared on my credit report, and I have only recently started receiving collection letters about it. I have never received any prior notice or validation from any creditor or collector before these recent communications. Given the age of the alleged debt and the lack of any prior notification, I request that your office assist in investigating this matter. 

I am requesting that this debt be formally investigated and that the collector provide verification of its validity. This should include documentation proving that I am legally responsible for the debt, a copy of any signed agreement, the date of the last payment, and any records showing the transfer of ownership to XXXX XXXX XXXX. 

Until proper validation is provided, I request that all collection activity cease and that this debt not be reported to any credit bureaus. If it has already been reported, I request it be removed pending the outcome of this dispute. 

Thank you for assisting me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: CA

Complaint narrative:
I am submitting this complaint due to XXXX failure to properly handle an unauthorized and disputed transaction of {$940.00} linked to XXXX XXXX. 

This transaction was NOT authorized by me. I reported the issue immediately and complied with all dispute requirements. Despite this, XXXX has failed to resolve the dispute, failed to issue provisional credit, and failed to provide any meaningful updates beyond stating that an agent is investigating. 

This delay is unreasonable and unacceptable. My funds have been withheld without justification, transparency, or a clear investigation timeline. XXXX has not provided : Any proof that I authorized the transaction Any written explanation supporting the charge Any provisional credit while the investigation is ongoing Such behavior raises serious concerns regarding non-compliance with consumer protection obligations under electronic funds transfer and fair dispute handling standards. 

XXXX lack of communication and refusal to return my funds has caused financial hardship, stress, and loss of trust. Holding consumer funds indefinitely without evidence or resolution is unfair, deceptive, and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RECOV is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: NJ

Complaint narrative:
As stated prior to you, MyWisely and XXXX, I sent a XXXX {$30.00} transfer to My Wisely card on XX/XX/year>. XXXX confirms funds and transfer paid and recipient ( MyWisely ) received. I have listed the XXXX transfer number for you. I have text chatted and called both companies several times each ( four I believe ). 
I would like the funds put back on my XXXX account or put on my Wisely account ( preferably, but my money seems to have vanished into thin air. Please help me get my {$30.00} back one way or the other, and keep a record of my dispute, so you can see any ongoing pattern with other customers. Thank you for your time and effort resolving this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I got an email stating an application to a credit card that I didnt apply for, I know it wasnt phishing because its on 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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This issue goes further back to a recent complaint I made to CFBP # XXXX. For full disclosure : my address and name are misprinted on the previous complaint and needs to be corrected. 
The last call I made to Best Buy Credit Card services XX/XX/year>, I informed the agent I was trying to access my account online and the password didnt work, even after I changed it. When she looked up my account, she said the card I had was never activated, but I had called the number on the card as soon as I got it to do so. She offered to send me a new card with a new account number, so I could create a new profile while she deleted the other one. In an attempt to register my card online, the old profile is still active, and I can not log in or create a new online account for the replacement card. Its more convenient to have an online profile attached to your credit card and I dont see why I have to rely on physical statements when the portal should be available to me. I can not get the assistance I need at CitiBank, because they do not operate with Best Buy ( XXXX ) credit cards onsite ). I am solely relying on agents over the phone or online.

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 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
When I called to make a payment XXXX XXXX the company told me that my account was paid in full on a recorded line. I called four times and I was told the same thing, also on a recorded line. So I requested a paid in full letter to be emailed and mailed to me on that recorded line. They sent both email and post mail by usps services. A few months later I started receiving calls, text and letters that my account was delinquent, behind. That I had accumulated fees. I told them of the letter, that thier company provided me with and they said that they would have to look into it. The mailed letter has a scan bar that was generated from there company and letter head paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
JPMorgan Chase Bank refused to credit a charge for lodging services that was never provided so I am disputing their response to my initial complaint as " outside the dispute window ''. 

I am submitting a new complaint and requesting that Chase be required to properly investigate this dispute as a non-delivery of services claim and provide appropriate credit for the amount charged. 

Chase has denied my original dispute based SOLELY on the XXXX billing dispute window. However, this charge and my attempted dispute occurred during extraordinary circumstances, when travel was broadly suspended and customer service access was severely limited. I acted promptly and responsibly under the circumstances. 

I am requesting an equitable review of this dispute in light of : -The unprecedented impact of COVID-19 on travel and banking access.

-My documented good-faith efforts to resolve the issue.

-The material dollar amount involved.

-The fact that the service paid for was never received. 

Denying review based on purely procedural timing, despite pandemic-related barriers, constitutes an unfair outcome and warrants reconsideration. 

I am not disputing the XXXX rule. I am asserting that Chase failed to provide meaningful access during COVID and is refusing equitable review despite good-faith attempts to resolve a pandemic-related travel cancellation. 

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * In XXXX, I placed a deposit of approximately {$7400.00} with a vacation rental host through XXXX for a summer XXXX stay. Due to COVID-related disruptions, the stay never occurred and the contracted lodging services were not rendered. 

This dispute is not a billing error. The charge was accurate at the time it was processed, but the merchant failed to provide the contracted future services. This constitutes non-delivery of services / merchant breach, not a billing error under Regulation Z. 

I attempted to resolve the matter directly with the merchant and with Chase. I contacted Chase shortly after the cancellation and again within the following year. However, Chase denied my claim solely on the basis that I was allegedly outside the XXXX billing error dispute window, which is inapplicable to disputes involving failure to provide services for a future-dated transaction. 

Chase did not meaningfully review the underlying facts of the dispute, including : That the stay never occurred That the services were never provided That the transaction was for future lodging That COVID materially interfered with travel, dispute resolution, and merchant performance during the relevant period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am a small business owner using Square for payment processing. My account showed a negative balance caused by fraudulent activity. 

On [ XX/XX/year> ], Square support advised me on a recorded call that no funds would be debited from my bank account. Shortly after this call, the negative balance of XXXX was removed, causing me to reasonably believe the issue was resolved. Based on that representation, I continued processing payments in good faith.

I later learned the balance was removed only because Square attempted to debit my bank account despite the recorded assurance. My bank denied the debit. After the denial, Square applied my same-day business earnings to the negative balance, resulting in loss of access to earned funds.

I believe Square misrepresented my account status, improperly attempted an unauthorized debit, and improperly applied post-assurance earnings to a fraud-related balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
The Infiniti XXXX account is over 7 years old and and is out by time. 
Last payment showing XX/XX/year>. 

In addition, no payments have currently been made on this account since XX/XX/year>. 

PLEASE REMOVE FROM CREDIT REPORT OUT BY TIME. 
A FLAG DOES NOT STOP IT FROM BEING REMOVED. 

NO PAYMENTS ON THIS ACCOUNT SINCE XX/XX/year>. 
IF CURRENLTY IN GOOD STANDING NEED PROOF OF PAYMENTS AND THE AMOUNT. 

YOU CAN NOT STATE IN GOOD STANDING IF NO PAYMENTS ARE BEING MADE. 
THIS ACCOUT HAS BEEN TERMINATED WHICH MEANS CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Posted transaction XXXX XXXX, 2025 Amount- {$190.00} The company XXXX had a system glitch were it spammed my account profile of an order i did not place. I reach out to XXXX via live chat to have them resolve the issue, they recommended I contact my card issuing bank directly to dispute the charges. XXXX also deleted my account profile and I had to reregister using the same email. I contacted Bank of America fraud/billing error dept to file a dispute explaining to them what happen and that the {$190.00} was unauthorized and canceled by the merchant, but no funds had been returned after days of waiting. Disputes were denied twice. First denial reason states I had previous purchase with merchant. Second denial reason states they didn't have enough information to research. I sent Bank of America the email from Shein 's senior representative for them to handle the dispute.

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 2026-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
COMPLAINT SUMMARY I am filing this complaint regarding serious mortgage servicing failures that resulted in improper default notices, ignored disputes, credit damage, loss of business funding, and foreclosure activity. 
DETAILED DESCRIPTION In XX/XX/XXXX, servicing of my mortgage loan transferred to XXXXXXXX XXXX XXXX Immediately after the transfer, my payment amount became incorrect due to failure to apply a XXXX temporary buydown. Autopay was disrupted.

I paid the higher incorrect amount in good faith and contacted XXXX repeatedly ( XXXX calls ). I was later instructed on recorded calls not to pay while the issue was investigated and was told credit would not be negatively affected. 
Despite this, XXXX issued multiple written default notices beginning XX/XX/XXXX. At the same time, XXXX sent written confirmations stating that no delinquent reporting had occurred and that there were no credit issues. These statements directly contradict the default notices. 
In XX/XX/XXXX, I submitted a Qualified Written Request disputing the billing errors, default status, and credit impact. Receipt was confirmed. No substantive response was ever provided, and the loan was transferred unresolved. 
During this period, my credit score dropped from XXXX to approximately XXXX, and business credit lines ( including XXXX XXXX and business LOCs ) were reduced, resulting in approximately {$30000.00} in lost business funding. 
In XX/XX/XXXX, servicing transferred to LoanCare. I immediately contacted LoanCare and sent multiple emails to addresses provided by LoanCare requesting payment instructions, loss mitigation, and guidance. None of the emails were answered, and promised callbacks never occurred. 
On XX/XX/XXXX, I received a foreclosure notice despite unresolved disputes, ignored QWR, lack of payment instructions, and ongoing servicing failures. 
I am not refusing to pay my mortgage. I am disputing servicing errors and requesting corrected accounting, loss mitigation, and time to cure arrears caused by servicer misconduct.

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