vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( XXXX ) for unfair and deceptive financial practices. This product was sold to me as " XXXX XXXX '' at the time of my vehicle purchase, but XXXX is now attempting to avoid its contractual obligations by reclassifying it as a debt waiver to bypass state insurance regulations. XXXX is utilizing an internally inconsistent and retroactive calculation to maintain a factually incorrect deficiency balance of {$1900.00} on my account. Despite a signed letter from their counsel ( dated XX/XX/XXXX ) claiming a " thorough review, '' their own provided evidence reveals XXXX critical contractual breaches : Contractual Deception : The GAP Addendum ( Page XXXX ) defines Actual Cash Value ( ACV ) as the retail value " adjusted for mileage. '' XXXX acknowledged my vehicle had XXXX miles but explicitly marked the mandatory adjustment as " N/A '' on XXXX XXXX of their response, artificially inflating the vehicle 's value to reduce their payout. Retroactive Valuation : The contract ( Page XXXX ) requires the valuation to be determined " on the Date of Loss '' ( XX/XX/XXXX ). However, the XXXX. Power report XXXX utilized was not generated until XX/XX/XXXX, XXXX XXXX months after the accident. Verified " Ghost '' Deduction : XXXX deducted {$270.00} for a maintenance contract refund they claim was paid to my lender. My official Honda Financial Services payment history proves this credit was never received, yet XXXX continues to include this deduction in their deficiency calculation. I attempted to resolve this through the Georgia XXXX XXXX XXXX XXXX XXXX ( OCI ), but XXXX provided them with the same inconsistent data. Because they marketed this as insurance but are governing it as a waiver, the state declined to arbitrate. I am seeking federal intervention to correct this deceptive practice and remove the resulting inaccurate debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding Revolut Support case number XXXX. On XX/XX/year>, I was victimized by an Authorised Push Payment ( APP ) scam involving a {$120.00} transfer to XXXX ( XXXX ) XXXX for XXXX ( XXXX ). Despite the transaction 's high-risk profileinvolving a crypto-bridge and subsequent demands for XXXXactivation fees'Revolut failed to provide any security interventions or APP fraud warnings at the time of the transaction. I provided technical evidence, including blockchain signatures and wallet addresses showing the funds moved to a high-risk destination. Revolut issued a XXXX XXXX on XX/XX/year>, refusing to uphold my complaint or reimburse the funds, citing that the transaction did not fall out of my account pattern. I contend that the company failed in its duty of care to protect me from social engineering in a high-risk transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently discovered several hard inquiries on my credit report that I do not recognize or recall authorizing. These inquiries appeared from multiple creditors and were placed on my credit file without my knowledge or consent.

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 2026-03-05 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I am filing a complaint against OneMain Financial regarding an inaccurate late payment being reported on my credit report. My loan had insurance coverage that was supposed to make the payments in the event of a qualifying claim. During this time, XXXX payments were missed because the insurance company failed to process the payments as expected. Despite explaining the situation and providing information showing the payments should have been covered by the insurance, OneMain Financial is refusing to remove the late payment from my credit report. This negative reporting does not accurately reflect my payment responsibility since the account was supposed to be protected by the insurance policy. I am requesting that OneMain Financial investigate this matter and correct the inaccurate reporting by removing the late payment from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account was fraudulently Used I don't know when or how but everytime I Go to open a bank account I get denied. It has been an ongoing issue for many years and I dont know what to do I Cant even bank accordingly because of the denials. Please help me resolve this. I would really love to have a normal bank account to start taking steps towards opening a business bank account and even a personal checking 's for family and I.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Validation of Debt Request - PORTFOLIO - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I closed my platinum secured credit card on XXXX 2026 my account is on a restriction. So I closed my account with capital one and was advised that I will be receiving my security deposit refund in a check form. It's XX/XX/year> XXXX a.m. I called capital one for a status update on my security deposit refund check, and told me to do a verification process due to the account status being restricted? I was confused and upset due to the fact that this never happened before all this extra non sense just to get an update on my security deposit that I made?? Uncalled for, so I wanted to speak to a supervisor which XXXX came on the line and told me the same thing about the verification process, I told XXXX that my accounts closed already all im calling was for the status of my security deposit refund check! I felt like I was being targeted, discriminated because I had another closed account with capital one and I had no problem with my security deposit check refund. I feel so discriminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: GA

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX 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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bilt Technologies, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a balance transfer involving my Bilt credit card and my former credit card issued by XXXX XXXX. On XX/XX/year>, I made a payment to XXXX XXXX for {$520.00}, which paid the account in full. The XXXX XXXX account now reflects a {$0.00} balance and is closed. However, a balance transfer for {$520.00} from my Bilt credit card still processed and was sent to XXXX XXXX even though the account had already been paid off. As a result, I am now being charged for this balance transfer on my Bilt account even though the XXXX XXXX balance was already paid. I contacted both Bilt and XXXX XXXX for assistance. XXXX XXXX states they can not refund the money because the account shows a {$0.00} balance. Bilt states that XXXX XXXX should refund the transfer amount. This has left me responsible for a balance that appears to be the result of a processing timing error between the two institutions. Additionally, after the transfer posted, two annual fees totaling {$140.00} ( {$95.00} and {$50.00} ) were added to the Bilt account. Under Regulation Z of the Truth in Lending Act, consumers have the right to dispute billing errors, including charges that were incorrectly applied or processed due to payment timing errors. This appears to be a duplicate payment scenario where funds were transferred after the account had already been satisfied. I am requesting the following resolution : Investigation of the {$520.00} balance transfer that occurred after the XXXX XXXX account was already paid. A refund or credit of the {$520.00} duplicate transfer amount. Removal or refund of the {$140.00} in annual fees that posted shortly afterward, as I intend to close the account due to this issue. I have attached screenshots showing : The {$520.00} payment posted to XXXX XXXX and the {$0.00} balance The {$520.00} balance transfer posted to my Bilt account The annual fees added afterward I respectfully request that this matter be reviewed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On Wednesday XX/XX/year>, this writer successfully became a Square Plus Member with Square LLC. Following a series of bona fide transactions, said company summarily terminated this writers ability to carry on the continuity of business, invoking a slew of meaningless boilerplate terminology as adequate justification. This conduct clearly runs afoul of the high standards of commercial honor companys are expected to comport with and therefore triggers XXXX violations. Square baited and switched before any one could know what was exactly happening. They preyed on the success of my transactions, saw it good and switched the rules of the game when they couldnt eat. I want the CFPB to publish this description on consumer finance.gov so that others can see the Rule of Laws in operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding an unauthorized financing account opened through XXXX XXXX. I visited a medical provider for a consultation regarding a cosmetic treatment. During the consultation, the doctor informed me that the cost of the treatment would be approximately {$5000.00}. However, without my full understanding or consent, a financing account was opened through XXXX XXXX for {$7500.00}. The financing was processed by a staff member named XXXX without properly informing me or clearly explaining the terms of the financing. I was never clearly told that a {$7500.00} loan was being opened in my name. I also noticed that my name was written incorrectly in the documents associated with this account, which raises serious concerns about whether proper verification and authorization procedures were followed when this account was created. Additionally, I have already paid the medical provider directly for the treatment. Despite this, the XXXX financing account remains active and they have refused to issue a refund or cancel the financing. This situation would require me to pay twice for the same treatment, which is clearly unfair and unacceptable. I have evidence supporting my statements, including documentation and communications related to this consultation and payment. I believe this account was opened or processed improperly and that the amount financed does not reflect what was explained to me during the consultation. I am requesting a full investigation of this matter and the removal of the charges associated with this financing account..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a care credit account.They increased the apr on me without my knowledge and then told.me.because it was a promotional set time.But they discussed NOT twll me the apr would go up to XXXX apr.I have never been late on paying my card off and been making higher then normal payments.Becauae my card has jumped to XXXX I get been more of increase on what I owe and can not get it paid down.This is unfair practices and I have never been late and pay more on it then what is due monthly and yet it still increases every month without making a difference on balance.l

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 2026-03-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
couldnt use the card anywhere but XXXX and XXXX XXXX wouldnt work and it was active XX/XX/XXXX and they closed it XX/XX/XXXX said they are sending me a check. I THINK THIS IS FRAUD CAUSE IT CAME AS A GIFT AN XXXX GIFT CARD EMAILED TO ME FROM SOMEONE I LOST THE DETAILS OF THE CARD REALLY DIDNT NEED THEM IT DIDNT WORK CAUSE THEY SHUT IT OFF SO I FEEL LIKE THIS COMPANY NEEDS INVESTIGATED FOR HOW MUCH THEY SHUT OFF CARDS FOR NOT WORKING THEN PEOPLE HAVE NO INFO ATTACHED TO THE CARD SO IF THEY DONT HAVE THE CARD NUMBER THE MONEY GOES INTO THE COMPANIES WALLET.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: PA

Complaint narrative:
I am having difficulty paying the loan, I have defaulted but make a payment when I can. The company on numerous occasions have contacted friends and family and told them themat I have defaulted on my loan and they are trying to figure out how they are going to get paid and to have me call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I was offered a loan modification with Carrington that came with a 3-month Trial Payment Plan. The first payment was due XX/XX/XXXX but would be accepted until XX/XX/XXXX. During the month, my furnace had to be replaced, at a cost of almost {$1000.00}. I reached out to my Carrington representative and explained the situation. She told me to just call in and explain the situation and see what options I had. On XX/XX/XXXX my parents gave me money to cover my trial payment for XXXX. However, it wasnt going to clear until XXXX. I explained this when I called in to Carrington. I was told the best course would be to cancel my request for loan modification and reapply. I was specifically told that if the mortgage assistance request was canceled it would NOT be considered failed. So I canceled the plan and reapplied at the same time on the phone. It wasnt until after I hung up, and advised my normal Carrington rep of the situation, that she told me I shouldnt have done that. Then reapplied for mortgage assistance was denied XXXX for the failed trial payment plan. I disputed that ( and have yet to receive any update on my appeal/dispute ) and reapplied again for assistance. Because I was told that canceling my mortgage assistance request, prior to XX/XX/XXXX would NOT be considered a failed trial payment. Then today ( XX/XX/XXXX ) I received another mortgage assistance denial. The waterfall paperwork is incorrect. The first two options say they have failed due to You have indicated that you do not wish to retain the property. I have NEVER said I do not want to keep the property. Every step of the way I have fought to keep the property. Then comes the Previously Failed Trial Plan denials. I would like Carrington to pull the recording of the call I had with their representative on XX/XX/XXXX. The one where she told me that if I canceled my mortgage assistance request on the phone with her, that it would NOT be counted as a failure. And yet, I continue to be denied for that exact reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: MS

Complaint narrative:
This complaint concerns multiple fraudulent and unauthorized electronic fund transfers that were processed through my account without my knowledge, authorization, or consent. Between XX/XX/year> and XX/XX/year>, thirteen ( 13 ) unauthorized transactions were processed under the description XXXX XXXX XXXX. These transactions were not initiated by me and appear to be the result of fraudulent activity. The unauthorized transactions include the following amounts : {$190.00} {$200.00} {$200.00} {$190.00} {$190.00} {$190.00} {$190.00} {$180.00} {$180.00} {$190.00} {$100.00} {$110.00} {$4.00} As soon as I discovered these transactions, I immediately reported them and opened a dispute ( Dispute # XXXX ). Despite reporting the fraud promptly, the funds remain unresolved while the case is under investigation. Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005 ), financial institutions are required to investigate unauthorized electronic fund transfer claims in a timely manner and must not hold consumers liable for unauthorized transactions when they are reported promptly. The pattern, frequency, and timing of these transactions clearly indicate fraudulent activity. The fact that thirteen transactions were processed within a short timeframe raises serious concerns about the effectiveness of the institutions fraud monitoring and transaction security systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
I purchased {$5000.00} worth of XXXX XXXX at XXXX pm on XX/XX/XXXX and another {$5000.00} at XXXX on XX/XX/XXXX. This was via transfer from my bank account. These purchases of bitcoin from bank transfers has a XXXX XXXX hold to ensure the deposits are settled with the bank. I sold {$3400.00} worth of XXXX on XX/XX/XXXX to move back to my linked bank card for an upcoming trip. I received an email that the account is placed on an extended hold to 60 days and would not be able to withdraw any funds out until XX/XX/XXXX. I may buy or sell bitcoin during this time and will not receive any interest during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
I filed disputes with Chime regarding several debit card transactions that I did not authorize. The disputes were marked as approved on XX/XX/year> in the Chime app. However, the approved refunds have not been credited to my account. I also never received a temporary credit during the investigation. It is now XX/XX/year> and no refund has been issued despite the disputes being approved. I am requesting that Chime immediately credit the approved dispute amounts to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
They're telling me I need to have a life insurance checking account in order to keep the light green settings account, but it told me the wrong XXXX XXXX XXXX XXXX several different conflicting information. I've already stated my concerns to regions about this with them several times already several times already. They are attempting to force me into a bundled product ( Checking + Savings ) that carries fees and minimum balance requirements that I never agreed to. I have attempted to resolve this several times directly with Regions, but they continue to push a checking account as a requirement. Desired Resolution : > I want my savings account to be a standalone, no-fee, no-minimum balance account without any checking account requirement, as originally represented, or a conversion to a fee-free product that does not require a checking account. I want all attempts to force-open a checking account on my profile to cease immediately.

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