vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 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: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I am reporting unauthorized XXXX withdrawals from my XXXX Mississippi XXXX XXXX XXXX account by American Honda Finance XXXX for a loan that does not belong to me. 
Transaction Details : Transaction XXXX : XX/XX/year> Transaction XXXX : XX/XX/year> Name on Transaction : XXXX XXXX XXXX Account/Reference # : XXXX ( as shown on my bank statement ) Result : {$50.00} in total NSF fees XXXX to my account. 
I contacted Honda Financial Services on XX/XX/year>. The representative refused to flag the account for fraud, stating that they " can not look up accounts by name ' and shockingly claimed that XXXX do this normally ' ( using other people 's bank accounts to pay their loans ) and that they can not reject payments based on a name mismatch. This is a clear violation of XXXX authorization rules. 
Furthermore, my credit union has stated they can not stop the payments or change my account number until a XXXX  attempt occurs and 'clears out, ' leaving my funds at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: DISCOVER BANK
State: AZ

Complaint narrative:
On XX/XX/year> I cancelled a subscription with XXXX XXXX I also notified Discover Card that I requested a refund from XXXX so they would not expect me to pay for charges that were being reversed by the merchant. Discover Card should have put a hold/freeze on the XXXX charges of {$16.00} and {$51.00} while XXXX was XXXX and reversing these charges from my card. XXXX did reverse their charges amounting to a total of {$68.00}. Discover Card has now inappropriately charged my card for {$68.00}, a return of an unwarranted/phantom " temporary credit '' and demanding payment there of, monies I do not owe. This should have been a simple accounting error that should have been corrected immediately once I called their attention to it. This appears to be a willful act on by Discover Card to collect money they are not owed. All they will claim is that, " the charge of {$68.00} is accurate... '' This is a phantom fraudulent charge purposely claimed by Discover that they refuse to correct. How many thousands of other consumers are they perpetrating this fraud on? Attempting to escalate my complaint within Discover Card is futile, their layered bureaucracy insolates them from consumers attempting to resolve unfair predatory practices. Again, how many consumers are they perpetrating this on? I would think that their profits from high interest rates would be sufficient. Are they allowed to profit from extortion too? 

Email from XXXX : " I have cancelled your XXXX service and going forward, there will be no further billing. I do apologize we were unable to assist you and have submitted both the {$51.00} and {$16.00} refunds back to your card. These refunds should take XXXX business days to show back to your card. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Freedom mortgage has refused to move principal curtailment payments in the following dates and amounts in order to satisfy my XX/XX/XXXX monthly payment. This is crucial to clear out this payment in order to open the door for additional loss mitigation options. I have a XXXXXXXX XXXX XXXX  child and am working XXXX  a temporary financial difficulty. I have made this request to have my monies applied to clear a monthly payment and multiple freedom mortgage representatives have refused. 

XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX These funds total XXXX The XX/XX/XXXX mortgage payment is billed for XXXX. 
If freedom mortgage complies with my request the remaining amount of XXXX will be made immediately. This will clear the XX/XX/XXXX payment. 

XX/XX/XXXX is in forbearance with an active request to extend the forbearance. 

I have a court date XX/XX/XXXX to have my child support increased. I also have a tax return coming and XXXX coming and other income streams in the works. Moving these funds will allow me to seek the appropriate loss mitigation options while I work XXXX  this temporary financial hardship with a XXXX child.

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 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION INVOLVING CHERRY CONSUMER LOAN.

I am writing to formally notify the CFPB that matters previously reported and/ or under review involving consumer loans originated by Cherry Technologies , Inc are now the subject of active court proceedings.

The loan at issue was issued in Florida in connection with point-of-sale financing services, and concerns include : The manner in which the loan was originated, The validity of an electronic signature and consumer consent, The role of a third party in the loan origination process, and Compliance with applicable Florida and Federal consumer protection laws.

As of this date, these issues have been raised before the appropriate court, and the matter is no longer limited to administrative review or informal dispute resolution.

I've included this notice to make sure the CFPB knows about the dispute that involves Cherry XXXX, which has progressed to litigation.

I respectfully request that this communication be added to the relevant records associated with any prior ongoing inquires related to this lender.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I was awaiting 2 documents of the 3 which 1 I had already uploaded to their site. I was waiting for the other items to be mailed so that I could upload them ASAP. 
However on yesterday,XXXX at XXXX XXXX, the loan officer called and told me there was another way to get the process cleared without waiting for the 2 documents by mail. He then began to ask about other savings accounts or any type of money I had in other accounts. This signaled a Red Flag immediately. After telling XXXX XXXX XXXX, I had no such accounts he said then ok we will wait for the other documents to upload. 
I log into the account this morning and much to my surprise he has now listed, what I said I do not have as a requirement for approval???!!! 
Please keep in mind that I am a vulnerable adult and XXXX due to an XXXX XXXX which also caused injury to my youngest son who is also XXXX. 
I do not have the time nor patience to deal with such a fraudulent company with shady business practices. 
Now this has caused me great emotional distress and they have lied about everything and their fees keep increasing to make their pockets bigger while preying on vulnerable adults. This is sad indeed and they need to close the company down.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/year> XXXX XXXX Bank ( XXXX ), XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX RE : Formal Dispute of Inaccurate Credit Reporting Request for Investigation & Deletion To Whom It May Concern : I am disputing the accuracy of the Capital One/Walmart account you are furnishing to XXXX. The account contains incomplete, inconsistent, and unverifiable information, including rolling chargeoffs, missing fields, and contradictory payment history. 

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. Under 623 ( a ) ( 8 ), I am requesting a full investigation and deletion of this account from all consumer reporting agencies.

Please provide : Documentation proving the accuracy of all reported data A complete payment history Proof of ownership and legal right to report A copy of any signed contract or agreement If you can not verify the account with proper documentation, you must delete it. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
MOHELA has failed for more than XXXX months to remit {$3000.00} student loan overpayment refund that is owed to me and was confirmed as processed in XX/XX/year>. Despite more than XXXX documented callseach involving excessive wait timesMOHELA has repeatedly acknowledged the overpayment but has provided no refund, no Treasury trace information, and no meaningful escalation. In XXXX, an advanced representative submitted a request to reprocess the refund as a check, yet I still have not received anything. 

This delay has created a real financial hardship, as {$3000.00} is a significant amount for daily living and essential expenses. MOHELAs inaction stands in contrast to the speed at which penalties or interest would be applied if I were late. Their failure to return my funds, provide transparency, or offer a resolution has placed an unfair and unnecessary burden on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Conduent Incorporated
State: GA

Complaint narrative:
I am writing this because I am very disappointed with the service. I have someone on child support. They are paying child support. I am seeing that the payments are posted and I'm not receiving anything in my account. Another situation, I had fraud in my account over {$2000.00} was stolen and I didn't purchase anything. They told me they were gon na give me a credit for {$1300.00} and then I had another child support payment of XXXX posted and I never received that. I'm not understanding why my money continues to be held and I'm not seeing it on my account. I am a single mother. I need my money. And every time I call customer service, I just get placed on hold. I am very disappointed with this service and I need to speak to somebody right now. Somebody needs to tell me where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX  Eastern Time, I, XXXX XXXX, visited the Wells Fargo ATM located at XXXX XXXX XXXX XXXX, XXXX, North Carolina XXXX, for the purpose of depositing cash into my business checking account. The cash deposit consisted of XXXX XXXX ( {$100.00} ) bills and XXXX XXXX ( {$1.00} ) bills, totaling XXXX XXXX XXXX dollars ( {$300.00} ). 

The ATM initially accepted the three {$100.00} bills and one {$1.00} bill, totaling {$300.00}, and returned two {$1.00} bills. After straightening and aligning the two returned XXXX bills, I attempted to reinsert them into the ATM to complete the full deposit amount. 

Immediately thereafter, the ATM malfunctioned, displayed a message indicating that cash services were unavailable, and abruptly terminated the transaction. 

Upon reviewing my bank account immediately following the malfunction, I observed that the ATM had credited only XXXX XXXX  ( {$0.00} ) instead of the full deposit amount of {$300.00}. 

At exactly XXXX XXXX  on XX/XX/year>, I promptly contacted Wells Fargo customer service to report the ATM malfunction. After reviewing the incident, the representative issued a provisional credit in the amount of {$300.00} after 2 days of the incident, representing the missing portion of my deposit. 

Following the incident, I remained at the ATM location for approximately twenty ( 20 ) minutes. During that time, multiple customers attempted to use the ATM for cash transactions ; however, the machine continued to display that cash services were unavailable, indicating an ongoing malfunction.

Approximately one week ago, Wells Fargo reversed the provisional credit of {$300.00} from my business checking account, stating that no excess cash had been found beside {$1.00} during their ATM review. When I requested confirmation of whether ATM cash reconciliation records and surveillance footage were reviewed, I was informed that such evidence would only be provided if I pursued legal action.

Given the ATM malfunction, the immediate reporting of the incident, the issuance of provisional credit acknowledging the error, and the ATMs continued unavailability to other customers, I contend that the reversal of funds was improper and that the investigation was incomplete.

I respectfully request : 1. Immediate reimbursement of the {$300.00} improperly withdrawn 2. A full and transparent investigation including : ATM cash balancing and reconciliation logs Review of surveillance video footage for the time of the incident These funds were intended for urgent rent obligations, and their loss caused financial hardship.

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 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I purchased an item using Shop Pay Installments/ Affirm ( loan ID XXXX ). The item arrived damaged, and I attempted to resolve the issue directly with the merchant ( XXXX XXXX XXXX XXXX ) according to their stated policy, which instructs customers to contact them immediately if an item is defective, damaged, or not as described. 
I sent multiple emails over several months to the merchant at the email address listed in their policy. The merchant never responded. I also attempted to call the merchant, but the phone number provided was unreachable and the voicemail box was full. 
I submitted XXXX separate disputes to Affirm, providing the same evidence both times, including photos of the damaged item and screenshots of my attempts to contact the merchant. Affirm denied both disputes, stating there was insufficient evidence, and instructed me to submit yet another dispute using the same evidence, wasting additional time. 
Despite providing clear documentation, Affirm closed the dispute in the merchants favor, advised me to continue contacting a merchant who had already proven unresponsive, and stated I remained responsible for payment, threatening to report my account as delinquent if I did not pay. 
I am disputing this charge because the item arrived damaged, the merchant failed to comply with their own policy, and Affirm did not conduct a fair review of the evidence provided. I requested a refund and confirmation that no negative credit reporting would occur during the dispute, but the company did not provide this information. 
I am requesting : A full refund for the damaged item Correction of my account status XXXX that no negative credit reporting occurs Review of Affirms dispute process for cases involving damaged items and non-responsive merchants, including handling of repeated disputes and unnecessary resubmissions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc.
State: FL

Complaint narrative:
I am submitting this complaint against NPAS Solutions , LLC for engaging in unlawful, deceptive, and unfair debt collection practices in violation of federal law and Florida consumer protection statutes. 

NPAS Solutions claims to be collecting an alleged medical debt in the amount of {$670.00}, purportedly owed to XXXX XXXX  XXXX XXXX. Upon receipt of their collection activity, I timely exercised my rights under 15 U.S.C. 1692g ( b ) by sending a written Debt Validation Request. Despite this lawful dispute, NPAS Solutions has failed to provide legally sufficient validation and has continued conduct inconsistent with its statutory obligations. 


Specifically, NPAS Solutions has failed to provide : A complete chain of custody from the original creditor to NPAS Solutions Any contract or agreement bearing my signature proving liability Proof of legal assignment or authority to collect Itemized statements showing how the alleged amount was calculated Evidence of compliance with the FCRA and XXXX verification process Under 15 U.S.C. 1692g ( b ), all collection activity must cease until proper validation is provided. Conti

nuing collection without validation constitutes a direct violation of the FDCPA. In addition, NPAS Solutions conduct violates m
ultiple Florida statutes, including but not limited to : Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 ( 9 ) Attempting to collect a debt with knowledge that the debt is not legitimate or not enforceable. 

Fla. Stat. 559.72 ( 7 ) Willful communication intended to harass or abuse a consumer.

Fla. Stat. 559.715 Failure to provide written notice of assignment before initiating collection activity. 

Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Fla. Stat. 501.204 Engaging in unfair or deceptive acts in the conduct of trade or commerce. 

Furthermore, NPAS Solutions failure to conduct a reasonable investigation and its furnishing or potential furnishing of disputed information violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ). 

The documentation I submitted confirms NPAS Solutions is registered as a consumer collection agency in Florida ; however, licensure does not immunize a collector from statutory violations. Continued collection activity without lawful validation exposes NPAS Solutions to civil liability under both federal and Florida law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX sent a letter claiming to validate an alleged collection account related to a former apartment lease, reporting a balance of {$1200.00}. 
After reviewing the documentation provided, I sent a written dispute and request for validation on XX/XX/XXXX, pursuant to 15 U.S.C. 1692g ( b ). In that dispute, I explained that the itemized account statement provided by XXXX XXXX XXXX listed {$0.00} in all charge categories, including rent owed, late fees, lease termination fees, damages, and utilities, yet still asserted a balance without identifying a lawful or factual basis for the amount claimed. 
XXXX XXXX XXXX did not respond to my XX/XX/XXXX dispute and did not provide any additional validation of the alleged debt. 
Despite the debt remaining disputed and unverified, XXXX XXXX XXXX continued to report the account to consumer reporting agencies, including TransUnion and Equifax, as an active collection with a balance of {$1200.00}. 
Credit reporting while a debt is disputed and unvalidated constitutes continued collection activity. XXXX XXXX XXXX, and its agent, the Law Office of Brett M. Borland failure to validate the debt, combined with continued credit reporting, is inaccurate and misleading. 
As of the date of this complaint, the account remains reported, no lawful validation has been provided, and XXXX XXXX XXXX, and its agent, the Law Office of Brett M. Borland has not addressed or responded to the dispute.The document provided by XXXX XXXX XXXX does not meet the requirements of 15 U.S.C. 1692g ( b ), as it fails to explain the basis of the alleged balance or establish a lawful obligation to pay, and therefore does not constitute proper debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: IL

Complaint narrative:
I filed a complaint with Penn Credit Corporation regarding a collection place on my report. I was not notified before the collections account was placed on my report. When they responded to my complaint, they indicated that they sent a debt validation notice to me ; however, that notice was sent to the incorrect address. I informed them of such mishap, and after such, they never responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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