vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I sent an additional payment {$1000.00} on my home loan mortgage payment to NewRez for Principal, Loan ending XXXX, but NewRez took that {$1000.00} and paid it on partially on interest and some small on principal, I kept calling and speaking to management but they refused to pay that {$1000.00} full on principal, what are my options?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. After reviewing my credit file, I found an account that is being reported in a manner that is negatively impacting my credit profile, and I believe this information is inaccurate, incomplete, or unverifiable. This account is adversely reflecting on my credit report, and I am requesting a full investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The negative information associated with this account does not accurately reflect my credit history and should be corrected or removed. Specifically, I dispute this account for the following reason ( s ) : The information is inaccurate and/or incomplete, The account is not reporting correctly, The creditor has failed to provide proper verification, and/or The reporting does not reflect the true payment history or status of the account. Please conduct a thorough reinvestigation and request full documentation from the creditor to verify the accuracy of this account. If the creditor can not verify the information as required by law, I request that this account be deleted or corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
am filing a complaint against Huntington Bank regarding failure to properly process my vehicle loan payoff. My vehicle was declared a total loss in XXXX, and a payoff check was issued on XX/XX/year>. After no resolution, a second payoff check was sent via overnight delivery on XX/XX/year> and was confirmed delivered and signed for by Huntington Bank on XX/XX/year>. Despite confirmed receipt, the payoff has still not been applied to my loan account. This delay is unreasonable and constitutes a servicing failure. As a result, I am concerned about ongoing interest accrual, credit reporting issues, and being held responsible for a balance that should already be satisfied. I am requesting : Immediate application of the payoff funds to my account Reversal of any interest, fees, or charges incurred after XX/XX/year> Written confirmation that my loan is paid in full Correction of any negative credit reporting related to this issue I have proof of delivery and signature confirming Huntington Bank received the payoff check. XXXX requesting urgent resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account XXXX XXXX # XXXX, I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding serious inaccuracies and accounting irregularities on my auto loan with Credit Acceptance Corporation, as well as Credit Acceptances repeated failure to respond to my written requests for information and dispute notices. My loan is disclosed as a simpleinterest auto loan under a Retail Installment Contract dated XX/XX/XXXX. However, the transaction history and account statements provided by Credit Acceptance demonstrate unexplained and inconsistent interest charges, irregular payment application, escalating pastdue balances despite ongoing payments, and failure to credit required refunds. Incorrect Interest Calculations Interest charges fluctuate significantly without corresponding changes in principal balance or payment timing. In some periods, interest accrual exceeds what is mathematically possible under a properly applied simpleinterest method. These inconsistencies strongly suggest that payments are not being credited on the date received, that interest is being improperly capitalized, or that the daily rate is being applied inaccurately. Despite making multiple contractual payments, my principal balance has not reduced as expected, and my pastdue amount has continued to increase. In at least one instance, a full contractual payment did not reduce principal or cure delinquency. Payments appear to be applied in a manner that prioritizes fees and accrued interest in a way that prevents the account from returning to current status, artificially inflating the balance owed. Late fees have been repeatedly assessed even when payments were made close together. These fees compound the balance and appear to stem from Credit Acceptances internal accounting practices rather than actual borrower default. Failure to Credit Contractual Refunds I submitted a request to cancel the Vehicle Service Contract ( VSC ) on XX/XX/XXXX, as permitted under the contract terms. No prorated refund has been credited to my loan account, despite the requirement that such refunds be applied to the lienholder balance. I have submitted multiple written requests and disputes asking Credit Acceptance to provide : A full payment ledger Daily interest calculations Allocation of payments ( principal, interest, fees ) Explanation of balance discrepancies To date, I have received no substantive response other than generic transaction histories that do not explain how interest or balances were calculated. This failure to meaningfully respond prevents me from verifying the accuracy of my account and violates federal consumer protection requirements.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I was late the prior month, and was appropriately charged a late fee and interest. The next month I paid the statement balance ( which includes interest and late fee ). The following billing cycle included an interest fee. When I called capital one, I was informed that capital one charges interest for 2 billing cycles past the point of the late payment or payment that isnt a full statement balance. This once 2 billing periods had passed there would not be interest charged. Capital one refunded me the interest charge, but on their customer agreement it doesnt state this charge is legitimate and there would be no balance to charge interest on so I question the legality.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a frustrating situation with this bank, long time ago I have opened my business bank account XXXX XXXXXXXX here on this bank for able to start my banking activities so after my deposit needs ( my deposits are fully backed and cleared without any problems ) my funds are on this bank because this bank has been taked the decision of restrict and close my account without any reason or explanation so after view and read the agreements signed I can see and understand that this bank can close or restrict my account without prior notice but there is nothing or doesnt exist any argument for hel my funds for more of six months, SIX MONTHS and counting without receive my check as per guidelines and banking rules, this bank just held my funds earning interest for our own benefit, already visited branch, contacted many times and every time they just said that " my check arrive soon '', " the case will update soon '' and never solve or fix this problem, I called 15-20 times and every attention offered for the agents are lack of knowledge, on a note received for one of this call long time ago one agent said is deduct 2 amounts for 2 checks with a problem but that amounts on sum are XXXX and XXXX so after this deductions my check with refund will come to my address on a pairs of days so has been passed around 170 days of that and this bankk never contacted to me for any updates or any information about my money, I need just to finally request the refund check with my outstanding balance held that are a sum of more of XXXX, so my funds are earning big interest on our own benefits unfairly! I filled this claim here and follow of this complaint i will make other complaints and after that a legal attorney for obtain your attention to this matter, I have documented all responses, all statements and recorded many calls responses from your agents. and all pertinent documents of my deposits etc are attached here, I will wait for solution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: ID

Complaint narrative:
Dear Cash App Complaint Operations Team, I am writing in response to your letter regarding my XX/XX/year> complaint submitted through the Consumer Financial Protection Bureau. Your response states that my issue has already been resolved and that no new information has been provided. I respectfully disagree. At no point has there been a substantive investigation into the fraudulent nature of these transactions. While you reference a prior response dated XX/XX/year>, that communication did not address the evidence I submitted, nor did it provide any documentation supporting your conclusion that the transactions were valid. To reiterate : * The transactions totaling {$4000.00} were conducted under fraudulent circumstances. * I reported the issue promptly and provided supporting documentation. * I did not receive a detailed explanation of how your investigation determined the transactions were authorized and not the result of fraud. Under applicable consumer protection standards, I am requesting the following : XXXX. A formal reinvestigation of the disputed transactions XXXX. A detailed explanation of the methodology and findings used to determine that the transactions were approved XXXX. Any records, IP logs, device data, or authentication details used in your investigation XXXX. Clarification on how your policies address fraud scenarios involving social engineering or scams Simply stating that the issue has been resolved without addressing the substance of my complaint is insufficient. If this matter is not properly reviewed, I will pursue additional remedies, including escalation through the CFPB and other appropriate regulatory channels. I expect a thorough and transparent response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: NY

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
" My credit card account was closed suddenly and without prior notice or explanation. I have been a loyal customer since XXXX with a flawless payment history, zero late payments, and normal, active utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint against Synchrony Financial regarding the reporting of incorrect account information that has directly impacted my ability to close on a home and can cause me to become homeless because they incorrectly report last four of account number as XXXX instead of XXXX Synchrony reported an incorrect account number associated with my account. As a result of this error, my mortgage lender has been unable to properly verify and process required information for my loan. This has caused a delay in my closing timeline. This delay has placed me in a time-sensitive and financially vulnerable position. I am required to vacate my current apartment by XX/XX/XXXX, and any further delay in closing could leave me without housing. This situation has created significant stress and risk, all stemming from inaccurate reporting by Synchrony. I have made efforts to resolve this issue directly ; however, it has not been corrected in a timely manner. I am requesting immediate correction of the account information and expedited communication with any necessary parties to prevent further delays in my home closing.

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 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
I filled a irp change to come in effect after save payment plan deferment ended in XXXX I did it early so i can get stuff ready for the payments to begin in XXXX The started the payments right away and expect a payment end of XXXX which is direct violation of my application form

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX there were fraudulent charges made on my Nordstrom credit card. I reported these to Nordstrom. I also sent them police reports since there were other credit cards which were jeopardized. Nordstrom did not accept them as fraud charges. I made numerous attempts to contact them but there was no response. In XXXX of XXXX, TD Bank advised me to report these same charges again. After spending numerous hours on the phone with Nordstrom, I got a letter that the charges are not fraud. Because there was a chip card during an in person transaction in XX/XX/XXXX. This is because I used my card and paid for the purchase I made. The disputed fraudulent charges were from XX/XX/XXXX and on a card which was cancelled and replaced with a new number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XX/XX/year> Capital One / [ Address from your credit report ] Subject : Goodwill Adjustment Request To Whom It May Concern, Im writing regarding my account listed above. I acknowledge that there were late payments reported on this account. During that time, I experienced financial hardship that affected my ability to stay current. Since then, Ive taken steps to improve my financial responsibility and ensure this does not happen again. I respectfully request a goodwill adjustment to remove the late payment history or negative reporting from my credit report. I am working hard to rebuild my credit and would greatly appreciate your consideration. Thank you for your time and understanding. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have made several deposits in my account with USAA. The most recent one was done on XX/XX/year>. I was only allowed access to minimum funds immediately yet the check shows it was posted to my account on XX/XX/year>. However they will not allow me access to any of the remaining funds for another 5 days. This is a reoccurring problem. I deposit check they may allow or may not allow access to funds immediately while 95 % of the funds are held for 7-10 days even through the check is cleared and posted and able to be accessed they refuse it. Time and time again. Even when the check is from another USAA account they still place hold on my deposits for 7-10 days. Should be no reason for that.

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