vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I had a part malfunction on my solar panel system. I discovered that the installer, XXXX XXXX, had gone out of business, which then voided the the 25 year guaranteed repair warranty. I contacted XXXX on XX/XX/XXXX ( which is when I discovered they had shut down operations ). I contacted Goodleap on XX/XX/XXXX to get a solution to this issue. They advised me that it was my responsibilty to handle the issue. I had put my house on the market and needed to get the issue fixed ASAP. I ended up calling XXXX XXXX XXXX and they repaired the malfunctioning part. However, I had to pay {$650.00} for a service call. They repaired the issue on XX/XX/XXXX. I filed a complaint with the Texas XXXX. They advised to contact the CFPB. Goodleap tried to discuss my complaint, but I told them I did not feel comfortable talking to them about it until I received their response via mail per an email I received from them on XX/XX/XXXX. I ended up paying off the panels via the proceeds of the sale of my house. Note : I began paying {$110.00} for the panels starting XX/XX/XXXX. Then the payments went up to {$160.00} XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted formal written disputes to XXXX XXXX, and XXXX, with copies of my government-issued photo ID, disputing the following inaccuracies on my credit reports : XXXX : ( XXXX ) An incorrect name variation was reported on my file despite my legal name being clearly documented. ( XXXX ) XXXX XXXX ( acct ending XXXX ) inaccurate date last active and last payment date. ( XXXX ) JXXXX XXXX XXXX ( acct ending XXXX ) inaccurate account status and payment status. XXXX : ( XXXX ) XXXX XXXX ( acct ending XXXX ) inaccurate date last active and last payment date. ( XXXX ) XXXX XXXX XXXX ( acct ending XXXX ) inaccurate account status and payment status. XXXX : ( XXXX ) A false address from XXXX XXXX, CA is listed on my file I have never lived there. ( XXXX ) XXXX XXXX ( acct ending XXXX ) inaccurate date last active and last payment date. ( XXXX ) XXXX ( acct ending XXXX ) inaccurate account status and payment status. All XXXX bureaus received written disputes with supporting identification on XX/XX/XXXX. A follow-up dispute was sent on XX/XX/XXXX. Despite over XXXX months passing, none of the bureaus have corrected the inaccurate information or provided documentation of a legitimate reinvestigation as required under FCRA 1681e ( b ) and 1681i. The continued reporting of false and unverified information is causing direct financial harm, including higher interest rates and restricted access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I am submitting this complaint because my bank has failed to resolve multiple disputes regarding unauthorized transactions and possible duplicate charges on my account. This is NOT the first or second time I have reported this issue I have made several claims directly with the bank, and each time I am told that everything is under control, yet the problem continues and has not been resolved. Funds have been withdrawn from my account without my authorization, including a recent incident involving approximately {$300.00} that was never returned to me after I filed a claim. As a result, my account is now showing a negative balance of approximately - {$55.00}, which I dispute. I am the account holder and I actively monitor my balance. I am certain these transactions are incorrect and/or unauthorized. The explanations provided by the bank have been inconsistent and do not match my actual account activity. I am requesting a full investigation of my account, a detailed explanation of all disputed transactions, and an immediate refund of all unauthorized or incorrectly processed charges. I also request that the bank provide a formal written response and documentation of their findings. I have supporting documentation, including account statements and records of previous claims. This situation has caused financial stress and inconvenience, and I expect a prompt and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My home address is being used or appears to be used without my authorization in connection with a TD Bank account. I did not authorize any use of my personal address or any change of address related to any account. I have received multiple pieces of mail from TD Bank addressed to another individual at my home address, which I have documented as evidence of this issue. On or around XX/XX/XXXX, I visited my local post office and reported a possible unauthorized change of address. I spoke with a supervisor and requested that my address be flagged and protected. However, I continue to receive mail from TD Bank at my home address. On or around XX/XX/XXXX, I sent written letters to TD Bank requesting investigation, removal, and correction of any unauthorized use of my address. I have not received a resolution or confirmation that the issue has been corrected. I am requesting a full review of any accounts associated with my address, verification of any change of address activity, removal of my address from any unauthorized or incorrect records, correction of any unauthorized use of my information, and written confirmation once this has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: WI

Complaint narrative:
I am filing a complaint regarding a debt collection attempt by Blitt and Gaines , P.C . on behalf of XXXX XXXX XXXX XXXX XXXX. I dispute this alleged debt in its entirety. I do not recognize the account and have not been provided with any documentation proving that I owe this debt. I have requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including proof of the original agreement, chain of title, and full accounting of the alleged balance. This firm has previously been involved in a separate matter where service of process and representations were questionable, raising concerns about their collection practices. I am requesting that the company provide proper validation of this debt or cease all collection efforts. I am also requesting that they not report this alleged debt to any credit reporting agencies without proper verification. I am documenting all communications and will pursue further remedies if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I purchased a new construction home in XXXX. From XXXX XXXX Freedom Mortgage collected XXXX XXXX in escrow. In XX/XX/XXXX XXXX conducted an escrow analysis projecting my XXXX XXXX tax at only {$300.00}, declared a {$2100.00} surplus, and issued me a refund check. The XXXX XXXX tax bill paid in XX/XX/XXXX was {$2100.00} more than 7 times the projected amount. As a result my escrow went into a {$2500.00} shortage and my monthly payment jumped from {$2400.00} to {$2800.00} in XX/XX/XXXX. The $ XXXX shortage repayment spread was caused directly by Freedom 's projection error on a new construction property that had not yet received its full tax assessment. When I called to dispute this I was told Freedom can only use county-provided data, but no explanation was given for why their own prior $ XXXX escrow collection contradicted the XXXX analysis. I am requesting the shortage spread be waived.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding an issue with my account closure and the disbursement of my remaining funds. On XX/XX/year>, I deposited XXXX checks into my account. Shortly thereafter, my account was closed without prior notice. I only became aware of the closure when I visited a branch in person. At that time, I was informed that the remaining funds in my account would be mailed to me within a specified timeframe. However, I have not received these funds to date. Despite multiple follow-ups at the branch, I have been given inconsistent information, including being told that there is no clear timeframe for when the funds will be sent and that I should continue calling to check for updates. This lack of clarity and delay in returning my funds is concerning. I am requesting an immediate update on the status of my funds and prompt resolution of this matter. Thank you for your attention to this issue. I look forward to your timely response. Sincerely, XXXX XXXX XXXX XXXX

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 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Some one set up a fraudulent account in my name with CITI CARDS, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX : XXXX. I have contacted the company XXXX, once on XX/XX/year> and then on XX/XX/year>. Initially, I was told they would report the identity theft and I was not responsible for the charges. Instead, I got a letter in the mail indicating I owe the money. Then I recieved a second letter demanding payment. I called their center a XXXX time on XX/XX/year>. The representative indicated that I would need to talk with the CITI XXXX department. They were unable to transfer me, claiming the XXXX department had too many calls in the cue. After discussing with the XXXX representative a second time, they had the same problem, they couldn't transfer me. They said I need to call some other time. This wasted an hour of my time. It would seem this problem is the fault of CITI and they need a better way to correct their errors.

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 2026-04-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
I noticed some charges that should not be there, and I contacted XXXX XXXX They gave me a new one and sent paperwork to begin the process of a fraud investigation. I asked them to please send the money before the investigation, because Im on SSI, its {$1200.00} a month! They said that no. I did some research, sent in the forms, and called to see if they received them, they said yes, and no again on sending the $ I received a letter saying that my claim was denied. I am sending the appeal forms today. With some of the information I have collected. XXXX or XXXX XXXX has taken {$39.00} every month since last year. They got it through a pay phone in XXXX even though they are located in XXXX. They are known for their fraud I found out that this pattern of taking {$39.00} from XXXX XXXX cardholders is not new. XXXX XXXX, XXXX, and XXXX have plenty of information showing this. I am making copies to send in with my appeal. I informed XXXX XXXX of this. I have had no dealings with this company. There has been no effort by XXXX XXXX to get the money to me before the investigation began even though there are laws against this. I am beyond disappointed and feel vulnerable and alone since this began. They said they are not a bank, this is true, but they offer services to hold my money and Comerica Bank is. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I got a tax refund check from the united states treasury and they told me they won't cash it. They released some as a " courtesy ' but won't release the rest.

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 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
talked to citibank for best buy credit card on XX/XX/year>. They called again XXXX days later on XX/XX/year> and I talked to them again, I told them they were breaking the law because I had just talked to them in less than XXXX days and she told me they were allowed to talk to someone every XXXX days.

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 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I am a seller who received a fraudulent return through PayPal 's dispute process. I sold a computer for {$2800.00} via PayPal Goods and Services on XX/XX/XXXX. The buyer received it on XX/XX/XXXX and filed a false defect claim on XX/XX/XXXX. I submitted extensive evidence including 116 days of documented system uptime proving full functionality at shipment, SMART diagnostic data, and an annotated image from the buyer 's own photos showing the system had been tampered with after delivery. PayPal ignored all this evidence and authorized a return. When the return shipment arrived on XX/XX/XXXX, all major components had been stripped from the computer including the motherboard, processor, RAM, storage drives, case front, back, side panels, and GPU was loose. The package weighed 21 lbs upon return versus the original 55 lbs at shipment. I have video documentation of the entire unboxing. I immediately filed a police report with XXXX Police Department, XXXX Tennessee, case number XXXX, and a federal fraud complaint with the FBI XXXX XXXX confirmation number XXXX. I submitted both to PayPal the same day along with the unboxing evidence. I called PayPal yesterday ( XX/XX/XXXX ) to confirm this was under investigation and they said that it had been escalated to the investigation team. Despite this, PayPal sent an automated email later that same day ( XX/XX/XXXX ) asking me to confirm receipt of the return by XX/XX/XXXX, after which they would process the {$2800.00} refund to the buyer automatically. My account currently shows a negative {$2800.00} balance. I called again today ( XX/XX/XXXX ) and was told that they see they're waiting on my confirmation. I explained that I spoke with someone yesterday who said the case was escalated to the investigative team, but the person I spoke with today said they didn't know anything about that. I asked for a manager and was told they were busy and would call me back at some point. PayPal 's dispute process has facilitated theft of {$2800.00} in computer components by allowing a fraudulent return without adequate seller protection. I am requesting that PayPal reverse the {$2800.00} hold on my account and close this case in the seller 's favor based on the documented fraud evidence provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 2026-04-16 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: CITIBANK, N.A.
State: SD

Complaint narrative:
I am re-filing a complaint regarding XXXX handling of a dispute involving a {$25000.00} transaction that resulted from a documented business email compromise ( XXXX ) fraud. Since my prior complaint, Citi has completed its investigation and issued a final determination stating that I am responsible because the services were provided. I believe this conclusion reflects an overly narrow and incomplete evaluation of the transaction and does not appropriately consider the impact of criminal impersonation on the validity of the authorization. This transaction was initiated as the direct result of a confirmed business email compromise in which a third party impersonated my contractor and provided fraudulent payment instructions. Law enforcement has confirmed that this was part of a coordinated fraud scheme. While Citi has focused on the fact that the payment processor ( XXXX ) executed the transaction as instructed, this does not address the core issue : the authorization itself was obtained through criminal impersonation, and the intended recipient ( my XXXX ) never received the funds. In effect, Citi evaluated whether the payment processor performed its function, but did not meaningfully evaluate whether the underlying transaction was valid or fulfilled its intended purpose. I am requesting that Citi reconsider this matter using a more complete analysis that accounts for documented impersonation fraud and the failure of the intended transaction outcome. I have already escalated this matter to Citis Executive Response Unit and am seeking regulatory review of Citis handling of this dispute.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
Was offered a promotion to spend money using their deals to get a credit. I was able to meet the terms of the promotion but was told that the deal wasn't valid because I didn't meet the terms of the deal. I have talked to the company XXXX times to get resolution and was told that they can't help. They offered the promotion to entice me to spend money to get a reward and declined the eligibility behind an additional layer of terms. To summarize, if I used XXXX of their deals, I would get the promotion. I used XXXX deals which satisfied the terms of the promotion but because the terms of their deals weren't specific in the promotion, they are saying I didn't satisfy the terms of XXXX of their deals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/year> I sent a check with the total amount owed, it arrived on XX/XX/year> to the office address they gave me. Called again and they said the check was going to be processed in 5-7 business. Called again and associate told me they couldn't find the check. Called again and was told the check was in its way to the original address. So many times I've called to solve this matter and I can make my car payment in full.

Company response to consumer: Closed with explanation