vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
GoodLeap XXXX, XXXX Attn : Customer Resolutions / Disputes Department Re : Loan Account No. XXXX To Whom It May Concern, I am writing to formally dispute my solar loan referenced above and to place GoodLeap on notice of material defects and contract failures related to my solar installation. 

My solar installer, XXXX XXXX, is no longer in business. As a result, the workmanship warranty associated with my systemincluding roof penetrations, flashing, sealing, and any damage caused by drilling into my roofhas been completely voided. This workmanship coverage was a critical and material part of my decision to enter into the installation agreement and corresponding financing. 

Because XXXX XXXX is no longer operating : There is no installer responsible for roof integrity or water intrusion Any future roof leaks or structural issues caused by the installation would be entirely at my expense The system is effectively unwarranted for workmanship, which substantially diminishes its value and creates ongoing risk to my home This constitutes a failure of consideration and a breach of the installation agreement. Under the FTC Holder Rule ( 16 CFR 433 ), I am asserting all claims and defenses against GoodLeap that I would be entitled to assert against the seller/installer. 

I am requesting that GoodLeap : 1. Acknowledge this dispute in writing 2. Provide documentation showing how workmanship warranty obligations are being addressed now that the installer is defunct 3. Advise whether GoodLeap will offer a remedy, including but not limited to : Assignment of a qualified replacement installer Repair or indemnification for workmanship-related issues at no cost to me Loan modification, suspension, or other appropriate relief Please note that this letter serves as formal notice of dispute. I am requesting that no adverse credit reporting occur while this matter is under review. 

I look forward to your written response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing inaccurate and/or unverifiable credit information being reported in violation of the Fair Credit Reporting Act ( FCRA ) 611 and Metro 2 reporting guidelines. After reviewing my credit report, I identified discrepancies in the account information, including incorrect account status, payment history, and/or balance details. 
I previously disputed these inaccuracies ; however, the disputed information continues to be reported without correction and without evidence that a reasonable investigation was conducted as required by law. The continued reporting of inaccurate or unverified data reflects a failure to comply with FCRA 611 requirements and Metro 2 accuracy standards. 
As a result, inaccurate information remains on my credit file, causing potential harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
XXXX'I installed solar, but it is not complete to pass inspection. XXXX XXXX XXXX  got sued and filed for bankruptcy, and the court sent a letter to file a claim. I have pay double for my electric bill and loans. I have a loan with Loanpal, Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone: XXXX XXXX XXXX XXXX. Even though I paid the loan, they put me in collections, which affects my job.  I did not get a loan with the Goodleap company. I had never heard of this GoodLeap company, and it put me in debt collection, which affected my credit and my job in the military. I emailed the DEBT VALIDATION LETTER on XXXX XXXX XXXX, but Goodleap did not follow up on this letter to respond to me.XXXXGoodLeap XXXX XXXX XXXX XXXX XXXX XXXX XXXXCall: XXXX XXXX XXXX XXXXPhone: XXXX XXXXEmail XXXX XXXXEmail: XXXX XXXXWebsite: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Re : Formal Dispute and Demand for Debt Validation Pursuant to the FCRA and FDCPA To Whom It May Concern, This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) regarding inaccurate, incomplete, or unverified information appearing on my credit report.

Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, I am formally requesting that you conduct a reinvestigation of this disputed information, and that you provide me with a detailed description of the procedures used in your investigation ( as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) within fifteen ( 15 ) days of completing your reinvestigation. Furthermore, under 15 U.S.C. 1692g ( b ) of the FDCPA, I am requesting that the furnishing party provide competent evidence of the alleged debt, including but not limited to : A copy of the original contract or agreement bearing my signature A full itemization of the alleged debt, including all principal, interest, fees, and other charges The name and address of the original creditor. If the above-referenced account ( s ) can not be properly validated or verified in accordance with the law, you are required to delete the disputed information from my credit file and provide notice of the deletion to any party that has received a copy of my credit report within the past six months ( or two years if for employment purposes ), as provided under 15 U.S.C. 1681i ( d ). Please be advised that failure to comply with these statutory obligations may result in the filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or initiation of legal action to enforce my rights. I expect your complete response within the timeframe mandated by federal law thirty ( 30 ) days from receipt of this notice, as set forth in 15 U.S.C. 1681i ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am submitting this complaint to report identity theft and improper handling by Cash App, a financial service operated by Block , Inc . 

I recently learned that a Cash App account exists or existed using my name and personal identifying information. I state unequivocally that I never opened, authorized, or used a Cash App account at any time. Any such account was created fraudulently without my knowledge or consent and constitutes identity theft. 

Despite notifying Cash App of the unauthorized account, I have not received a clear explanation, documentation, or confirmation that the fraudulent account has been fully investigated and resolved. Instead, my identity appears to remain flagged, preventing me from opening or accessing a legitimate account in my own name. 

Under federal law, including identity-theft protections enforced by the CFPB and the Fair Credit Reporting Act ( FCRA ), victims of identity theft have the right to : A reasonable investigation of fraudulent accounts Access to records related to the unauthorized use of their identity Correction of inaccurate or fraud-related records Protection from liability for unauthorized activity Cash Apps failure to properly investigate, correct its records, and remove identity-based restrictions constitutes an unfair and unreasonable consumer practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone used my information to obtain a credit card through XXXX XXXX Used the card, defaulted, now XXXX XXXX is showing a collection on my credit report.

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 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tsarouhis Law Group, LLC
State: PA

Complaint narrative:
NOTICE OF NON-ENFORCEABILITY, DEMAND FOR COMPLIANCE, AND CEASE CONTACT This correspondence is provided for compliance and redress purposes. 

You are hereby placed on notice that the alleged account referenced in your communication is the direct result of identity theft and is legally unenforceable. I have previously and repeatedly documented this fact and submitted a sworn FTC Identity Theft Report executed under penalty of perjury, which constitutes legally sufficient proof under 15 U.S.C. 1681c-2.

Despite this, the account was transferred to XXXX XXXX XXXX, XXXX and subsequently assigned to your office. Once identity theft has been established and notice provided, federal law prohibits any further collection activity, reporting, assignment, or attempted enforcement of the account. Any attempt to collect such an account after notice constitutes violations of applicable federal consumer protection statutes. 

Your contact regarding this matter therefore represents an attempt to collect a debt that is not owed and not legally enforceable. 

NOTICE OF RIGHTS AND REDRESS Please be advised that I am fully aware of my rights under federal law. Any additional contact, attempt to collect, or further violation after receipt of this notice will be documented and addressed through all appropriate channels available to me, including regulatory and legal remedies. 

Nothing in this correspondence shall be construed as an admission of liability, nor a waiver of any rights or protections afforded to me under state or federal law. 



Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: SOFI TECHNOLOGIES, INC.
State: AR

Complaint narrative:
I am filing a complaint against SoFi Bank regarding an unauthorized electronic funds transfer. 
On XX/XX/year>, SoFi closed my account and disbursed {$580.00} to XXXX XXXX XXXX XXXX. I do not own, have never opened, and have never authorized any account with XXXX XXXX XXXX XXXX. I did not authorize this transfer in any form. 
I disputed the transaction with SoFi. Despite multiple contacts, SoFi denied my claim and issued a final determination stating that no error occurred. SoFi has failed to identify or produce any written, electronic, or verbal authorization permitting the transfer of my funds to XXXX XXXX XXXX XXXX. 
SoFi labeled the transaction as a merchant transaction, but this was an account disbursement to a financial institution where I have no account relationship. The funds remain unreimbursed.

I am requesting that SoFi reimburse the full {$580.00} and provide documentation showing how the destination account was authorized, if such documentation exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONAL DEBT RELIEF LLC
State: AZ

Complaint narrative:
I enrolled with National Debt Relief believing my payments would be used toward resolving my debts and that creditor negotiation and program support would be provided. 

At enrollment, I spoke by phone with a National Debt Relief representative named XXXX XXXX, who explained the program and its operation. Based on those representations, I believed my payments would be used toward resolving my debts and that fees would not be taken upfront before any settlements occurred. 

Between XXXX and XXXX, I paid approximately {$3200.00} into the program. Of that amount, over {$2400.00} was taken as program fees, including a large upfront fee withdrawal of {$1800.00}, despite no debts being successfully settled. 

After discovering that fees were taken upfront before any settlements occurred, I contacted National Debt Relief by phone and explained that this was not how the program had been represented to me at enrollment. The representative stated that this was simply how the program operates and did not offer any refund, correction, or resolution. 

While enrolled, I was later sued by XXXX XXXX. My program was listed as paused at that time ; however, National Debt Relief had already collected the majority of its fees. Despite XXXX acknowledging my enrollment with National Debt Relief in court, neither National Debt Relief nor its affiliated legal provider contacted me, acknowledged the lawsuit, or provided guidance or assistance. I was forced to represent myself pro se. 

I also experienced ineffective creditor communication. XXXX XXXX XXXX informed me that they received an initial communication from National Debt Relief but that no follow-up occurred despite return contact attempts. 

National Debt Relief collected substantial fees without providing the core services represented, resulting in financial harm and legal exposure. 

NOTE : I attempted to attach proof & screenshots in the appropriate section & was not able to do so. Is there another way to submit them? I.e. via email etc.?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: GA

Complaint narrative:
I called Bank of America on or about XXXX XX/XX/XXXXXXXX  and I was informed by the representative that I spoke with that all four of my checking accounts were closed by the bank. I asked why and I was not given a response. I then asked when my account balances would be returned to me, because I had a balance of approximately {$6000.00}, plus I had my VA disability benefits being deposited on the XXXX of the month as well as my social security XXXX benefits being deposited on the XXXX  of the month ( also social security benefits for my XXXX XXXX  ). I was told that I would be receiving my funds via cashier check on the XXXX of XX/XX/XXXX. I then decided to go in person to my local Bank of America in XXXX GA, once again asking for the reason of closure of all four accounts to which I received no answer, and I also asked again if I could at least withdrawal at minimum my most recent VA benefits deposit, because this is literally all of my money for bills and daily expenses that I have to live off of for myself and family. The representative told me that it was not possible for me to withdraw any funds out of the account, and that now I would have to wait until XXXX XX/XX/XXXX. I was given no reason for anything including no reason that the date I would receive my funds was now pushed back an additional thirty days. I can not see why the entire balance and all incoming deposits are being held for this long. The checking accounts have been in a frozen status even prior to the XXXX of XX/XX/XXXX, meaning only deposits were allowed into any of the accounts no payments would be permitted to go out, so for this reason I can not see why Bank of America would need to hold all of my funds, with my most recent VA and Social Security deposits, along with my husbands income tax refund I have a total of about {$22000.00} in these bank accounts collectively, and I can not even pay my bills. This also put me in a situation where I had to find a new bank to have my direct deposits go into from the VA and Social Security Administration which I have found but by the time I had completed the opening of my new account it was not in time for my XXXX benefits to be deposited into my new account so those funds are going to be held as well. Again I have been given no reason for the holding of my benefits, income tax refund, and prior balance funds.

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 2026-01-28 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: FL

Complaint narrative:
I am submitting this follow-up complaint to report that inaccurate reporting on my XXXXXXXX XXXX XXXX account ending in XXXX continues across Experian, Equifax, and TransUnion. The account is being reported as Late Open, which does not reflect how the account was opened or managed and is inconsistent with my actual payment history and account statements. Despite prior requests for investigation under FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ), the inaccurate designation has not been corrected or verified. This misleading reporting has negatively impacted my credit profile, financial opportunities, and ability to access fair lending, demonstrating a continued failure by both the credit bureaus and XXXX to maintain accurate reporting as required by 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 non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Product : Credit card Company : American Express On XXXX XX/XX/year>, American Express disclosed my account information to a third party without proper identity verification. The third party who received my account information provided me with the phone number they were contacted from. I called that number myself and confirmed it belongs to American Express. 

I have prepared a formal demand letter regarding the unauthorized disclosure of my account information. I am waiting to submit it directly to American Express via their secure email/portal, which I expect to receive tomorrow. I am filing this complaint with the CFPB in the meantime to ensure my privacy concern is officially documented and addressed. 

Attached are screenshots showing the phone number used by the third party. The number was provided to me directly, and I verified it by calling it myself, confirming that it belongs to American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
After reviewing my annual credit reports I noticed this account listed as a debt allegedly owed to your company National Credit Systems by me in the amount of {$1700.00}. This letter is a notification of dispute and a request for validation ( required notice from the collector detailing the debt and consumer rights to dispute, including ownership ), NOT verification. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g 809 Validation of Debts, I have the right to request validation of the debt you say I allegedly owe to you. I am also requesting proof that I am indeed the party you are asking to pay this debt, and there is a contractual obligation that shows proof that is binding on me to pay this debt with my signature. 

This is NOT a request for verification or proof of my mailing address or itemized bill, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I would also like to request a copy of these agreements as well : 1. Forward Flow Agreement ( FFA ) a contract where debt buyer agrees to continuously purchase debt portfolios ( receivables ) from an original creditor over-time, rather than in one bulk sale.

2. Notice of Assignment ( NOA ) a required notification sent to the debtor indicating who now owns the debt and where to make payments.

3. Bill of Sale ( Often referred to in the context of debt buying or assignment of accounts ) is a legal document that records the transfer of ownership of a delinquent or charge-off debt from an original creditor to a third-party debt buyer or collection agency. 4. Debt Assignment the legal tra
nsfer of a debts rights and obligations from a creditor to a third-party, such as a debt collector, allowing the new owner to collect the balance on a allege debt.

5. Chain of Assignment - providing the complete unbroken record showing how ownership of the debt transferred from the original creditor, through various debt buyers, proving the current collector has the legal right to collect on this debt. 

At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : ( 1 ) Violation of the Fair Debt Collection Practices Act and ( 2 ) Defamation of Character.

Company response to consumer: Closed with explanation