vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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: LA

Complaint narrative:
I am a long-term Capital One customer. On XX/XX/year>, I attempted to pay {$26.00} toward my balance on my {$300.00} limit credit card before the midnight payment deadline. Due to a service outage with my internet provider, XXXX, the payment was not successfully processed until XXXXXXXX XXXX  XXXX hour past the deadline. I completed the payment immediately once internet service was restored. 

XXXX acknowledged this service disruption was their fault and issued a {$20.00} credit to my account for the inconvenience ( documentation included with this complaint ). Despite this documented, provider-caused outage beyond my control, Capital One assessed a {$25.00} late fee. 

This fee increased my balance to {$280.00} and left me with only {$10.00} of available credit ( approximately 3 % of my credit limit ). I contacted Capital One customer service and spoke with a supervisor to request a one-time courtesy waiver. My request was denied based on a " previous waiver '' allegedly on my account. 

The previous card on this account was cancelled and reissued due to unauthorized fraudulent charges. I believe the waiver Capital One referenced was related to that fraud incident on the decommissioned card. Using a fraud-related adjustment from a cancelled card to deny a courtesy waiver for a documented technical issue outside my control is inappropriate. I requested documentation from Capital One showing when this previous waiver occurred and on which specific account number, but have not received this information. 

On XX/XX/year>, I spoke with a representative named " XXXX '' in the Retention Department. She was dismissive and, when I attempted to discuss the impact of this fee on my account, transferred me to an automated system without warning, effectively hanging up on me. 

Resolving this issue has required considerable time and effort on my part. I have made multiple phone calls to Capital One, been transferred between departments, had a representative hang up on me, and now must file this complaint to address a fee that resulted from a documented service provider outage lasting only 60 minutes. This has been a frustrating and time-consuming process for what should have been a straightforward resolution given the circumstances.

A {$25.00} late fee for a one-hour delay caused by a documented internet service provider outagewhich XXXX itself compensated me foris unreasonable. This represents a 96 % penalty on the {$26.00} payment I made and has reduced my available credit to critically low levels, putting me at risk of over-limit fees despite my good-faith effort to pay on time. I have been a responsible Capital One customer with a history of timely payments, and I completed this payment within one hour once service was restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
Consumer Adjustment Company is reporting a medical collection account related to XXXX XXXX XXXX XXXX that is inaccurate, incomplete, and not capable of lawful verification. I disputed this account in writing ( attached ). Despite notice, the company continues reporting without providing documentation supporting the balance accuracy, Date of First Delinquency, or a valid chain of assignment from the original medical provider. The reporting also raises concerns regarding improper disclosure of protected health information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, I purchased a used vehicle from a dealership and entered into a retail installment sales contract that was assigned to Credit Acceptance Corporation. The contract reflects a total amount financed of approximately {$33000.00} at an APR of 22.99 %. 

After the transaction, I obtained a dealer XXXX XXXX that shows the dealer was paid substantially less than the contract amount financed, including a dealer advance of approximately {$12000.00}, plus separate line items for ancillary products and dealer compensation. This payment amount does not align with the amount financed disclosed to me in the contract. 

At the time of signing, the transaction was completed electronically on a tablet, and I do not recall being provided a clear, written explanation of how the amount financed was calculated, how the dealer was compensated, or why the dealer received significantly less than the contract amount shown. These differences were not clearly disclosed or explained prior to or at consummation. 

I later contacted Credit Acceptance Corporation and requested documentation and clarification regarding : ( 1 ) how the amount financed was calculated, ( 2 ) whether the dealer discount or reduced dealer payment was included in the finance charge or APR, ( 3 ) the role of the dealer versus Credit Acceptance Corporation in setting the price and APR, and ( 4 ) whether Credit Acceptance Corporation is the owner of the loan or acting as a servicer. 

In recorded communications, Credit Acceptance Corporation stated that the dealer sets the vehicle price and APR and that Credit Acceptances role was limited to deciding whether to finance the contract. However, I have not been provided clear documentary explanations reconciling the contract terms with the XXXX XXXX or explaining why the dealer payment differs substantially from the amount financed disclosed to me. 

As of the date of this complaint, Credit Acceptance Corporation has not provided complete, clear documentation or explanations resolving these discrepancies. I am concerned that the cost of credit, dealer compensation, and amount financed may not have been clearly or accurately disclosed at the time of the transaction.

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 2026-01-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, my Bank of America business checking account was compromised through a Business Account Compromise ( BUS COM ) involving unauthorized electronic fund transfers. 

I detected unauthorized activity and reported it within less than XXXX minutes. I was physically present inside a Bank of America branch in XXXX, Washington, working directly with a banker while the fraudulent activity was actively occurring. 

While the banker attempted to secure the account, we observed multiple unauthorized online banking user IDs being created in real time. As the banker attempted to delete these unauthorized user IDs, new user IDs continued to appear one by one, indicating an active account takeover occurring while I was present in the branch. 

The unauthorized parties did not use my original user ID. They created their own user IDs and passwords and changed the online banking email address to non-authorized domains. 

During the execution of the unauthorized ACH and electronic transfers, I did not receive any confirmation codes, one-time passcodes, alerts, or authorization prompts. Bank of Americas standard procedures typically require confirmation codes for vendor setup and electronic transfers. No such authentication or notifications were sent, making it impossible for me to approve, deny, or detect the transactions in real time. 

While I was inside the branch, the banker contacted Bank of America customer service from the branch phone and handed the phone to me. At Bank of Americas direction, I attempted to move remaining funds via XXXX to another business account. I was advised that the account was locked or frozen and that the funds were secure. 

Despite these assurances, additional unauthorized electronic transfers totaling approximately {$14000.00} occurred. 

The fraud claim was initially misclassified as forged check fraud despite no checks being involved. After multiple follow-ups, it was later corrected to electronic funds transfer fraud. I was informed that a reconsideration request had been submitted ; however, during a follow-up call in XX/XX/XXXX, I was told that no reconsideration request had been opened. 

Despite immediate reporting, in-branch documentation, lack of required authentication, and evidence of unauthorized account takeover, reimbursement was denied. I am requesting regulatory review of the banks handling of this Business Account Compromise, the unauthorized electronic fund transfers, and the investigation and denial process.

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 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Description of Incident : I am filing this complaint because an inaccurate and unrecognized collection account is being reported on my TRANS UNION credit file. The account is listed under XXXX XXXX XXXX, Account Number : XXXX, for the amount of {$160.00}. 

I have no record of any financial agreement or contract with XXXX XXXX XXXX or any underlying original creditor for this amount. I do not recognize this debt and believe it is either a reporting error or a result of identity inaccuracies. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request a full validation and verification of this information. To date, this item remains on my report despite it being unverified and unrecognized.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
I am requesting that the late payment reporting related to this account be removed or corrected. The only charge on the account was an annual fee, and my billing statements did not clearly show a required payment or due date before the late payment was reported. I am requesting correction of the credit reporting to reflect accurate payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LD Holdings Group, LLC
State: AE

Complaint narrative:
Loan depot transfer our mortgage to XXXX XXXX ( on approve modification ) on XX/XX/year>, after we made a first payment on our surprise XXXX XXXX doesn't recognize it, we keep on resolving it and they keep on investigating but no progress we now owe over $ XXXX and recently they reported it to credit agency causing my credit score to drop almost XXXX points, it's been almost XXXX XXXX and no progress they keep on saying that loan depot withdrawn the modification but we never received any letter of withdrawal but only transfer of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I proactively contacted Concora Credit regarding documented financial hardship and requested reasonable assistance before my due dates. Instead of working with me, Concora refused to offer any meaningful hardship option and continued to assess late fees and penalty charges. 

Despite early communication and active regulatory filings, Concora has charged late fees and demanded excessive minimum payments that are not sustainable. When I requested assistance, I was met with boilerplate responses or suggestions of debt management, which is dismissive and inappropriate given that I am seeking short-term relief directly from the creditor. 

Concoras conduct demonstrates bad-faith servicing. They penalized me after I disclosed hardship, escalated fees instead of assisting, and refused to provide a realistic path forward. I am not refusing to pay I am being denied a reasonable way to do so. 

All three of my Concora-serviced credit card accounts ( Indigo, Milestone, and Destiny ) each carry balances under {$400.00}, yet Concora is demanding combined minimum payments of approximately {$160.00} per month. Expecting this level of payment on such small balances during a documented hardship is unreasonable and demonstrates fee-driven, bad-faith servicing rather than a genuine attempt to resolve the accounts. 

This pattern shows that Concora is using fee escalation as leverage rather than engaging in good-faith hardship resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I was the victim of a car accident by a XXXX  driver which totaled my car. The at fault driver 's insurance, XXXX XXXX, admitted fault of their client and paid the total loss claim of the balance of my car which was {$12000.00}. This was in addition to an amount which made up the value of my car. XXXX XXXX submitted the full payment of the balance of my car loan on XX/XX/XXXX to Santander Consumer USA ( the finance company holding my car loan ) via electronic transfer. On XX/XX/XXXX I called Santander because I saw that this payment was not reflected on my account yet. The payment was confirmed by a member of the Insurance Claims department at Santander Consumer USA on XX/XX/XXXX and I was told that within 24-28 hours, the payment would show on my account and my account was be shown as paid in full. On XX/XX/XXXX, there was not a change, Santander still had not shown the payment which they received from XXXX XXXX on XX/XX/XXXX. I called multiple times and kept getting the run around and lied to whereby customer service agents would say that there was no payment on record ( lying on XXXX XXXX ) and I told them that that was not true. XXXX XXXX made the payment and it posted on my account on XX/XX/XXXX. I returned my title to XXXX, a representative for XXXX XXXX, on XX/XX/XXXX and returned my registration and car plates to the Maryland XXXX on XX/XX/XXXX as well. My car was determined a total loss on XX/XX/XXXX, so Santander can not still charge me for a car that they have gotten a full payoff payment for on XX/XX/XXXX. I have all documents and recorded conversations as proof and will provide to the CFPB upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: MI

Complaint narrative:
There has been XXXX XXXX XXXX XXXX XXXX on my credit report. Did a dispute on XXXX XXXX. Got two very odd letters that made no sense to me.

Now this other Bounce AI is on my credit report, and I got a letter with mine from XXXX XXXX. 

Sounds like a scam to me. I have spent so much time on this - I need to report it since none of this is mine!! 

Sounds like this company is trying to get people to pay them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
b'I have been dealing with health issues for months and my Coinbase card got taken by a hacker. I think I got a phishing email and everything went down hill from there. I got XXXX  stolen in XXXX XXXX my XXXX XXXX  card used by a hacker and Coinbase card used by a hacker. I had a large amount in Coinbase and XXXX XXXX so I was unaware this was going on. I have approx XXXX  in fraudulent charges that Coinbase keeps telling me to give them info for. 4 times Ive submitted and they do nothing. XXXX XXXX is helping me with XXXX  in fraud charges for the same period.\n\nThis is ridiculous Coinbase has awful customer service and fraud dept and they have no dept that cuts off possible fraudulent charges. I need to be made whole from all these fraudulent charges that Coinbase allowed to go through. Last night I got an email and they said I was late turning it on there is nothing they can do. Immigration climate change.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC.
State: NM

Complaint narrative:
In regards to previous filed complaints ID XXXX and XXXX The previous complaint that was sent has the incorrect year for the date of service. Correct date of service was XX/XX/XXXX rather than XXXX. 

My son was seen by a physician on XX/XX/XXXX in XXXX XXXX, NM. This physician is apart of the XXXX XXXX XXXX. My son 's insurance paid their part and the patient responsibility was a balance of {$27.00}. I paid this balance on XX/XX/XXXX. The XXXX XXXX  portal shows the receipt that this balance has been paid. XXXX has continuously sent this bill to me requesting payment. I have called them and stated that the bill has been paid but they say they haven't received it. Since then they have sent this to collections to a company called XXXX XXXX XXXX XXXX I have sent the debt collection company proof that the balance was paid and they responded saying that it was paid to XXXX XXXX XXXX XXXX rather than XXXX. When paying bills on XXXX  XXXX  portal that is who the payment goes to and they are affiliated with XXXX. This has been harassment and it's causing me great stress. Not to mention that this could affect my credit that I've worked so hard to build.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a phone call from a phone number that was the same as wells fargo and they said I had fraud on my account i checked and sure enough transactions were made that I didnt make. XXXX in total was stolen out of my account from all my accounts XXXX in credit and XXXX in savings. I called the XXXX  department and reported it right after the incident and they said they tracked everything and it was pulled out by someone in Texas and who was pretending to be me and also they transfered some of my money out to other accounts and used my credit to buy things they could resell like XXXX XXXX  and phones. Wells Fargo knew it was fraud and did nothing about I waited almost a full year for them to finish their investigation and they told me they were not going to refund me my money and told me oh well. It was the worst thing that has ever happend to me and I still have not recovered from this I have suffered emotionally mentally and physically from this I need help and no one cares I have the evidence.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I believe they they're handling and their movement in this file have been significant and they have not the two attempts that I asked for the information backed with these codes they have broken the law by law they have not only violated the fair credit reporting act but they've violated the law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I contacted Ally Bank to verify all the details regarding a letter they sent me. Initially, Ally Bank stated that I owed {$1000.00}, with a first due date of XX/XX/XXXX. I do not owe this amount. 

The most recent letter from Ally Bank was received on XX/XX/XXXX. In this document, Ally Bank states that the total amount due has increased to {$2200.00}, with a new due date of XX/XX/year>, and includes added interest. I do not owe this amount. 

I contacted Ally Bank regarding this issue, and they advised me to contact the XXXX dealership. I contacted the dealership three times by phone and visited them in person three times. The XXXX dealership confirmed that they informed Ally Bank that I did not purchase a vehicle from them. 

Despite this confirmation, Ally Bank continues to claim that I owe this amount and continues adding interest for non-payment, even though the debt is not valid.

Company response to consumer: Closed with non-monetary relief