vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I was involved in an accident that could have been prevented and ultimately became a hit-and-run incident. At the time of the accident, my vehicle had a defective sticky gear issue that prevented me from shifting quickly and safely getting out of danger. As a result of the accident, I suffered XXXX injuries, had to undergo therapy, lost a significant amount of income, and my vehicle sustained additional damage that I could not afford to repair due to the high costs. On XX/XX/XXXX, XXXX officially announced a recall related to the gear issue, and I realized that this defect was the reason my gear had frozen during the accident. On XX/XX/XXXX, I took my vehicle to XXXX XXXX XXXX to complete the recall repair. I also filed an incident report with XXXX under case number XXXX, where I explained the entire situation and requested a buyback as well as assistance for the pain, suffering, financial hardship, and damages I experienced as a result of the defective vehicle. My claim was denied. After the accident, my vehicle continued to deteriorate mechanically, and despite continuously investing money into repairs, I fell further behind on my payments. Eventually, XXXX repossessed the vehicle. The car was sold, but the repossession still remains on my credit report, making it extremely difficult for me to obtain another vehicle. I paid {$740.00} per month for over XXXX years on that vehicle. Currently, I am forced to rely on a rental vehicle that costs me {$440.00} per week, which has created a severe financial burden. To keep up with these expenses, I have been working overtime and XXXX days a week. In addition, ever since the accident, my body has felt weak, exhausted, and physically drained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing this formal complaint to report criminal financial fraud and the unlawful conversion of my assets by Block , Inc . I discovered my account was terminated when I attempted to sign in and was denied access ; I subsequently found an email notifying me that the account was being closed. Block, Inc. has denied me all access to my funds and account history, which has prevented me from retrieving final documents required for active legal proceedings. Block, Inc. has unlawfully withheld total funds of approximately {$920.00}, which includes both my existing account balance and funds rightfully owed to me which they failed to credit. This timing was intentionally orchestrated to preclude appeal and obstruct discovery. Block, Inc. alleges my account was terminated due to " investing law violations, '' a claim that is demonstrably false as I have not accessed the investing feature at any point this calendar year. This seizure is an act of criminal conversion and Obtaining Property by False Pretenses ( XXXX XXXX XXXX. XXXX ). By deleting my access, the company has engaged in the willful obstruction of evidence and spoliation of discovery regarding my active legal proceedings. I request a formal investigation into these deceptive practices and that this matter be referred to the District Attorneys office for potential criminal prosecution. I demand the immediate, unredacted release of my total funds ( approximately {$920.00} ) to my linked debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I had a credit account with XXXX XXXX XXXX XXXX store Comenity Bank. I didn't personally apply, but I will explain all that to you later if need be. I bought an item, paid the {$32.00} amount by check and Comenity credited my account. However, at the same time they charged me {$35.00} for late fee, paper fee to avoid going paperless and interest. I called their customer service number to find out what this was all about, was connected to a call center in some foreign country with someone I couldn't understand. When I told him I couldn't understand him and needed to speak with someone I could understand, he ignored me and kept speaking whatever he spoke. I was totally frustrated and hung up. Since then, I have spoken with XXXX, a customer service representative who said she was offshore, but she spoke clear English. She closed my credit account and offered to remove about {$40.00} from the ( at that time ) {$150.00} fee, but only if I kept my XXXX credit account open. I declined. Since then, my fees for what they claim to be a payment that was XXXX ( XXXX ) days late have grown to {$200.00} and increasing by the day. Comenity has reported me to at least XXXX credit agency and my credit rating has dropped from Excellent to Fair and is probably on the way to the bottom. I have not in my XX/XX/XXXXyears on this planet so much as failed to pay for a XXXX piece of candy ( yes, in my day one could buy candy for a XXXX ), but Comenity is set to destroy me any way they can. Not because I bought something and didn't pay for it. They credited me for my payment. This is just because they say the payment arrived XXXX days late. I have read reviews about Comenity from people who have experienced what I am experiencing. Can you help me stop the harassment, bullying and intimidation these people use? I just want out of their life and them out of mine. Any help you can give me would be appreciated. I can't give you a card number because, as far as I know, I never got a card. This account was all set up by a saleslady at XXXX, not a card I applied for. The saleslady charged the account on her computer because I didn't have a card. I can go into greater detail later if you need more information about how this account was set up. I can send documentation, but don't know how to upload. I can FAX, mail, or text. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc.
State: CA

Complaint narrative:
I am filing a formal complaint regarding a stolen payroll check that was fraudulently cashed without my authorization. My name XXXX XXXX XXXX XXXX Account number XXXX Check # XXXX Check date XX/XX/XXXX Amount {$950.00} Date cashed XX/XX/XXXX Payroll provider : ADP / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ADP XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I created my paypal account not long ago and recently started using it. I only used my account for sending and receiving money to my family for food and XXXX transaction my sister sent me {$20.00} for my son to help me with signing him up for football and another time she sent me {$55.00} to get my newborn baby a can of formula. On XX/XX/XXXX my aunt sent me {$690.00} for groceries. I sent out some of the money to my other sister for her to get food for her and her baby too. And I went by XXXX drive thru and got me a drink. About XXXX XXXX after that paypal decided to put a hold on my account and not let me use it because they needed to verify my identity. So I sent in proof of my ID and I had to call them to report what my money was sent to me and what it was used for. I still have {$420.00} in my account that was supposed to get me and my kids food. I woke up this morning XX/XX/year> to them telling me my account was permanently closed and I no longer had access to my funds or to my account and said id have to wait XXXX days to get my funds back. I cant wait. My kids have no food and I need my money as soon as possible. This isnt right. The lady on the phone from paypal customer service even said multiple times that nothing looked wrong with my account and that she didnt know why they closed it. Please help me. I havent done anything wrong and they are treating me like I violated their terms and I didnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau regarding inaccurate, duplicated, and potentially unverifiable information appearing on my credit reports from Equifax, Experian , and TransUnion. I dispute the inclusion of XXXX addresses listed on my credit file : XXXXXXXX XXXX XXXX XXXX, XXXX, CT XXXX and XXXX XXXX XXXX # XXXX, XXXX, CT XXXX, as these addresses do not belong to me and are not associated with my personal or financial history. I request that these addresses be fully investigated and corrected or removed if they can not be properly verified. I also dispute the reporting of several accounts, including XXXX XXXX ( balance {$0.00} ), XXXX XXXX ( balance {$130.00} ), XXXX XXXX ( balance {$1200.00}, appearing duplicated ), and SBNA ( balance {$0.00} ). I request full validation of each account, including contractual documentation, payment history, ownership verification, and accurate reporting of balances and status. Any account that can not be fully verified in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) must be corrected, updated, or removed from my credit file. Additionally, I dispute multiple hard inquiries listed on my credit report, including 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 ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX XX/XX/XXXX ). I request verification of permissible purpose for each inquiry, and removal of any inquiry that can not be validated as authorized under federal law.

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I am disputing this debt in its entirety and do not acknowledge any legal obligation to CAINE & WEINER regarding this alleged account. This account is reported as a collection allegedly originating from XXXX ; however, no legally valid documentation has been provided proving assignment or authority to collect. Key Issues : * No bill of sale or assignment agreement from XXXX has been provided * No proof of legal ownership of this specific account exists * No disclosure of verification method used under FCRA requirements * Prior responses are insufficient and lack supporting documentation Required Validation : I request : * Account-specific assignment or bill of sale fromXX/XX/XXXX * Chain of title showing lawful transfer of this debt * Written explanation of verification method used under FCRA XXXX Remedy Requested : If CAINE & WEINER can not provide legally valid documentation proving ownership and authority, I request deletion of this account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am filing this complaint regarding Wells Fargos handling of my debit card dispute and missing refund/credit involving an XXXX purchase for {$1500.00}. On XX/XX/scrub> 2026, I used my Wells Fargo debit card to purchase an XXXX XXXXXX/XX/XXXXXXXX from XX/XX/XXXX for {$1500.00}. The package was marked delivered on XX/XX/year>2026, but the tracking stated it was delivered to a locker. My delivery location does not have XXXX XXXX, XXXX XX/XX/XXXX, or XX/XX/XXXX I searched for the package, contacted XXXXthe seller, and filed a police report on XX/XX/scrub> 2026. XXXX XXXX Guarantee claim process later confirmed that the refund was grantedXX/XX/XXXXclaim page states : Your refund is granted, and XXXX also sent written confirmation on XX/XX/scrub> 2026 stating that it had granted the claim and issued a refund to the original payment method for order XX/XX/XXXXXXXX. Despite XXXX confirming that the refund was issued, the {$1500.00} credit has never appeared in my Wells Fargo account. I filed a dispute with Wells Fargo under claimXX/XX/XXXXXXXX and provided documentation showing that XXXX granted and issued the refund. Wells Fargo denied the claim and has refused to reopen or meaningfully reinvestigate it. I have contacted Wells Fargo multiple times and have repeatedly been told that the decision is final. Wells Fargo also sent me a denial letter in print stating that I already received the refund. However, I reviewed my Wells Fargo statements and transaction history, and there is no matching {$1500.00} credit from XXXX, XXXX, XXXX, or any related source. Wells Fargo has not identified the date the refund allegedly posted, the statement line where it appears, the transaction description, the XX/XX/XXXX/refund trace number, or any documentary proof showing that the credit was actually received. This is not simply a merchant complaint. This is a complaint about Wells Fargos handling of a debit card dispute and missing refund/credit. XXXX has provided written confirmation that the refund was granted and issued to the original payment method, while Wells Fargo claims I already received the refund but has not shown where the credit posted. I am left without the product and without the {$1500.00} refund.

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 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington Mortgage and XXXX Bank is involved in fraudulent bank practices Carrington Mortgage and XXXX Bank DID NOT follow all rules and regulations regarding mortgage lending in the state of Texas. Under the Texas State Constitution it clearly states under Article XXXX Sectiom XXXX ( b ) that all married couples BOTH spouses MUST sign documents at closing even if only on spouse is listed on the mortgage and or deed The Non borrowing spouse MUST SIGN a Deed of Trust with power to sell Also the XXXX XXXXXXXX XXXX have the Same requirements The Borrower is listed as XXXX XXXX XXXX and we were legally married at the time of the closing I XXXX XXXX DID NOT sign any documents at closing agreeing to any encumbrances to my XXXX. Also the Texas Laws Clearly states that if BOTH spouses DO NOT sign the required documents then the mortgage is void and not enforceable in The State of Texas. Also this is a FHA loan an the rules state that both spouses debts and income MUST be listed to determine debt to income ratio is if only XXXX spouse is on the loan XXXX Bank knowingly left XXXX information off the application for their own gain. Also Carrington reported late payments to ALL XXXX Credit agencies although XXXX XXXX name DOES NOT APPEAR on ANY DOCUMENTS. this cause an adverse affect to XXXX credit. Also Carrington initiated foreclosure proceedings and listed the foreclosure sell with the XXXX XXXX, Texas XXXX XXXX but Carrington DID NOT notify XXXX XXXX XXXX XXXX Texas had strict rules regarding a XXXX process by certified mail prior to the list that Carrington failed to follow

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
I am writing to submit a formal complaint against Healthcare Finance, located at XXXX XXXX XXXX, XXXX, TX XXXX, for unauthorized account activity, inaccurate billing, and improper transfer of a disputed debt to collections. On XX/XX/year>, Healthcare Finance withdrew {$30.00} from my bank account toward a listed balance of {$100.00}. Five days later, on XX/XX/year>, the company added an unexpected {$20.00} charge to the account without explanation or notification. Shortly thereafter, they reported that my account had been transferred to collections with a claimed balance of {$310.00}. I did not receive any written notice or itemized statement regarding these new charges or the transfer to a debt collector, as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). These actions constitute unauthorized billing and potential violations of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Fraud identified thefts Account breach JP Chase Morgan XXXX colo Counter checks done in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for failure to properly investigate a billing dispute for defective/hazardous goods under Regulation E / Visa dispute rules. Between XX/XX/XXXX and XX/XX/year>, I purchased propane tank exchanges from XXXX XXXX for essential heat during a state emergency. The merchant dispensed equipment that was legally unserviceable and leaking raw gas. The XXXX XXXX XXXX Texas physically inspected the equipment and issued an official " Noncompliant '' violation notice ( Report # XXXX ) confirming a hazardous vapor discharge. The merchant has refused a refund. Navy Federal denied my dispute, stating I " agreed to the amount when merchandise was rendered. '' Navy Federal is forcing me to pay for illegal, hazardous items that a state law enforcement agency ordered removed from service. I provided the official state inspection report, which Navy Federal completely ignored. I demand a permanent credit of {$59.00} for these three transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MO

Complaint narrative:
In approximately early XX/XX/year>2026, I was targeted by a scam through XXXX XXXX. An individual posing as a legitimate contact convinced me to participate in what appeared to be a money-flipping or gambling scheme. I transferred funds through my Cash App account as instructed by the scammer. Following these transactions, Cash App permanently closed and banned my account without prior warning. I did not violate Cash App 's terms of service intentionally -- I was the victim of a fraud scheme. I contacted Cash App support to explain the situation and request reinstatement of my account, but my account remains permanently closed. Cash App failed to protect me as a consumer from a known fraud scheme and then penalized me -- the victim -- by closing my account rather than investigating the fraudulent activity. I am requesting that Cash App reinstate my account or provide a full explanation of the closure and any funds affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: CA

Complaint narrative:
Prior to the servicing transfer from XXXX to Midland Mortgage, I had entered into an FHA Standalone Partial Claim Trial Period Plan with XXXX due to a medical hardship. The trial payment plan began with the XXXX payment due on XX/XX/year> and was scheduled to continue through the final payment due on XX/XX/year>. While this FHA loss mitigation process was still active, servicing of the loan was transferred to Midland Mortgage effective XX/XX/year>. I had made the XXXX and XXXX payments on time and when I went to the chase payment portal to make my last payment it was no longer available. I was unaware the loan was transferred, I was directed by XXXX to make all of the payments with them, I didn't receive any information on who and where to send the last payment or the fact my mortgage was sold. It took time to find the information on who to make the payment to. During this transition period the XXXX trial payment was allegedly late. Then midland mortgage subsequently advised that the fha trail arrangement was no longer being honored and demanded repayment of all prior delinquent amounts plus late fees stating they were collecting on behave of chase. I am disputing this treatment of the account because, the servicing transfer occurred during an active fha loss mitigation process, the missed payment occurred immediately following transfer confusion, i was attempting to comply with the trial plan, XXXX has failed to properly continue or review the transferred fha midigation file.midland stated the XXXX day grace period was not valid for loss midigation. I am requesting, a complete review of the fha lost midigation transfer records, confirmation of whether the trial period plan was transferred and boarded correctly, a review of payment application and servicing notes, reinstatement or reevaluation of available fha lost midigation options, correction of any inaccurate delinquency status, suspension of foreclosure or collection activity while this dispute is investigated.

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 2026-05-26 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: TX

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