vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
I am disputing a solar financing loan issued by GoodLeap because the loan was induced by misleading representations regarding system performance and savings.

At the time of sale, I was told the solar system would significantly reduce or nearly eliminate my electric bill. Instead, I continue to receive substantial monthly utility bills in addition to the loan payment, resulting in two ongoing energy-related bills. 

The installer, XXXX XXXX, has acknowledged in writing that the system has experienced recurring equipment issues involving a failed optimizer. Despite this, neither the installer nor the lender has provided projected versus actual production data to verify that the system is performing as represented at the time the loan was originated. 

I believe this loan would not have been entered into had accurate and complete information about system performance, savings, and ongoing costs been disclosed. I am requesting that GoodLeap review this loan for appropriate relief, including suspension, modification, or cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: U.S. BANCORP
State: NJ

Complaint narrative:
I got a notification about an account added to my credit report today XXXX XXXX. US BANK to be exact.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This situation is utterly outrageous and debilitating. I woke up one day to discover a debt that I know nothing aboutcompletely unverified and not mine in any way. I've been subjected to relentless harassment across multiple communication platforms using various tactics, including threats of legal action that I never imagined dealing with. As a law-abiding citizen, this blatant violation of my consumer rights is deeply insulting and unacceptable. It's severely impacting my mental health, leaving me with sleepless nights for days on end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WI

Complaint narrative:
This complaint is against : Fair Collections & Outsourcing XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX Collections of {$13000.00} and {$9100.00} I was the co signer on an apartment lease for my daughter, XXXX XXXX XXXX The lease was at XXXX XXXX XXXX, XXXX XXXX  The account number was XXXX. The move in date was XX/XX/XXXX, the move out date was XX/XX/XXXX. XXXX XXXX XXXX is owned by XXXX XXXX XXXX XXXX XXXX is the construction company owned by XXXX XXXX XXXX 

On XX/XX/XXXX XXXX sent a letter stating that {$13000.00} was due for the lease. 

On XX/XX/XXXX XXXX sent an invoice stating that {$13000.00} was due on the lease. My daughter corresponded with XXXX XXXX 

On XXXX XXXX XXXX XXXX Collections Specialist at XXXX , sent an email to XXXX XXXX stating that the final payment had indeed been received and that the final balance for the lease was {$0.00}. 

On XX/XX/XXXX XXXX XXXX from XXXX XXXX sent a " Ledger at Move Out '' stating that there was no " Outstanding Charges " for the above mentioned lease. 

On XX/XX/XXXX Fair Collections and Outsourcing XXXX XXXX XXXX sent a collection notice for the above mentioned lease and verification of debt for the lease. The verification consisted of the correspondence on XX/XX/XXXX and XXXX from XXXX XXXX 

On XX/XX/XXXX I sent copies of the correspondence from XXXX XXXX and XXXX XXXX to XXXX by certified mail. No reply from XXXX On XX/XX/XXXX XXXX sent a letter stating that {$9100.00} was debt owed to XXXX XXXX On XX/XX/XXXX XXXX sent a letter stating that the collection had been reported to the Credit Agencies Subsequently we took XXXX XXXX XXXX XXXX XXXX to court. On XX/XX/XXXX The XXXX XXXX XXXX XXXX, XXXX, ruled that XXXX XXXX had received full payment and that the Judgement has been satisfied. This Judgement was sent to XXXX and I received no reply. 

On XX/XX/XXXX I applied for a home equity loan with XXXX  XXXX XXXX. I was denied because the collection from XXXX was on my credit reports with XXXX  and 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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I sent a {$5000.00} transfer from my usaa checking account to my XXXX  checking account. Transferred XX/XX/year>. XXXX XXXX, XXXX  still no transfer. USAA doesn't do anything about it. you cant even get someone on the phone. XXXX  XXXX XXXX can not do anything about it. Its XXXX dollars. FYI. its the same checking account I make credit card payments from. USAA has no problem debiting the XXXX  XXXX XXXX account for payment. So, that's not the issue. No answers. Just wait. Not good enough for me.

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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hawes Klein LLC
State: FL

Complaint narrative:
I reviewed my credit report and found three accounts XXXX XXXX, XXXX  XXXX, and XXXX XXXX that are inaccurate and incomplete. The reported balances, dates, and statuses do not reflect the true situation. 
I first noticed these errors on XX/XX/year>. I have requested verification of these debts from the collection agencies under the FDCPA and FCRA. I am requesting a full reinvestigation, and if the debts can not be fully verified, I request that the accounts be removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TSI is reporting a collection account on my credit report that I have disputed repeatedly for over 90 days. During this entire period, I have requested lawful verification directly from TSI and through the credit bureaus. To date, no proper validation has been provided.

I have also never received any written notice of this alleged debt before it was placed on my credit report. That alone is a direct violation of FDCPA 15 U.S.C. 1692g ( a ) and carries statutory damages of up to {$1000.00}.

I have researched TSI and am fully aware that this company has a history of aggressive collection practices and regulatory scrutiny for improper validation, misleading collection activity, and unlawful credit reporting. Knowing this, I requested full verification consistent with federal law. 
Proper validation of a debt requires : Proof the account belongs to me A complete account ledger Transaction and payment history Itemized breakdown of the balance Date of first delinquency Proof of default Copy of the original agreement or obligation Proof of assignment / authority to collect Proof of lawful notice mailing Metro-2 compliant reporting fields Proof the balance was calculated correctly TSI has provided none of this.

Instead, TSI continues to report a balance with no documentary support. Reporting a balance without transactional evidence violates FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ). Continuing to report after repeated disputes without verification violates FCRA 1681i ( a ) and 1681s-2 ( a ) ( 3 ). Metro-2 standards require that all furnished data be factual, verifiable, and supported by business records which TSI has failed to meet.

TSIs continued reporting of this account after 90+ days of unverified disputes demonstrates willful noncompliance, not a good-faith investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I made a purchase for {$710.00} from an online merchant in XX/XX/year>. I later initiated a return through the merchants official return system. The merchant approved the return and provided a prepaid return shipping label generated through their logistics partner. 

I shipped the merchandise using that prepaid label exactly as instructed. Carrier tracking confirms the package was delivered to the fulfillment center designated on the merchant-issued return label. I no longer have possession of the merchandise. 

After the return was completed, I did not receive a refund from the merchant. I filed a dispute with my bank for returned merchandise not refunded. I provided proof of return approval, the prepaid return label issued by the merchant, and carrier delivery confirmation showing successful delivery. 

The bank initially issued a provisional credit, but later reversed it after accepting the merchants representment. The merchants representment incorrectly claimed the return was sent to an invalid or incorrect location. This claim is false. The delivery address was selected by the merchants own return system and printed on the prepaid label they provided. 

I appealed the decision and submitted the same evidence again, including the return label showing Return Service, the purchase reference number, and the confirmed delivery. Despite this, the bank issued a final denial and reversed the credit. 

As a result, I am now out both the merchandise and {$710.00}. The bank failed to properly evaluate conclusive evidence that the return was authorized, correctly routed by the merchant, and successfully delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Zelle closed down my account for no reason. I need Zelle to transfer money when clients send me deposits to my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sent in remittance for {$1400.00} among others on XX/XX/year> and it was never applied or returned

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 2026-01-21 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: IL

Complaint narrative:
Citibank denied my dispute for {$660.00} claiming insufficient evidence despite video proof that Best Buy has possession of the defective merchandise. On XX/XX/year> I bought a dryer advertised as excellent that doesnt work. On XX/XX/year> I brought it to Best Buy for return after several online return failed due to Best Buy return process not working. Manager admitted product was defective and inspection wasnt done. Best Buy took possession inside store. When my sister documented this, manager called police and had employees stage the dryer outside to make it look abandoned. After police left, Best Buy took dryer back inside - I have VIDEO of this. Best Buy told police I abandoned it ( LIE - proven by video ). I filed police follow-up report with evidence. Best Buy told Citibank they dont have the dryer ( LIE - proven by video ). Citibank sided with Best Buy without reviewing my video evidence. Im being billed for merchandise I DONT HAVE that the MERCHANT POSSESSES ( proven on video ). This violates Fair Credit Billing Act - consumers cant pay for goods in merchants possession. I have : video of Best Buy taking dryer, 2 police reports, receipts, professional inspection proving defect, witness testimony.

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 2026-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello! Yes Mr . Inspector Supervisor, I'm writing you to tell you about this Wells Fargo Bank Checking account. That i have and went into it and it looks like i'm charged for XXXX payments here this {$15.00} to XXXX XXXX XXXX. That is expected was in this Checking account on the {$15.00} dollars. I knew when i was into the online Wells Fargo banking account that it had not been drawn from my checking account yet? Now i'm seeing XXXX XXXX transaction from this XXXX XXXX XXXX and a XXXX transaction from this XXXX transaction I don't know what the XXXX this is? That i had nothing about So, it's brought my checking account to a minus- {$28.00} it smarts a little bit, but i know i'm paid for next month. I just hope that he'll make it up enough that i can get my XXXX XXXX  finally fixed on my Car! And i've still got this + {$730.00} that was taken by Social Security Administrations a Back Payment of + {$730.00} and this most definitely would have helped my Vehicle some here? And from this month i'm sitting on some paid for shoes, and socks, that where ordered on XXXX - {$170.00} this was a paid transaction! I know because i got an Email from XXXX that Sunday night, when they where going to be delivered that Monday and why all the sudden they switch it to Tuesday for the delivery and never show up? Cancel they came back saying. But the money was there? And a paid for XXXX from ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$47.00} that has not arrived yet? I went back into the XXXX  account and now there really is a XXXX XXXX in there similar to what i was seeing when i first started XXXX Sir, now they have the XXXX XXXX it's got a plus sign in the middle of the box i've paid into this before on Parchment.com but it was the XXXX XXXX XXXX  ID # XXXX XXXX XXXX XXXX. XXXX this and paid for in in XXXX and XXXX Nothing? I hope he makes it up to me in my Credit card Sir, Thank You! 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 monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
XXXX. Did not validate ownership. XXXX. Did not validate authority. XXXX. Did not validate the balance. I am requesting that the CFPB investigate this matter, require the company to cease unlawful collection activity, and ensure compliance with federal consumer protection laws. I timely disputed the alleged debt in writing and requested validation pursuant to 15 U.S.C. 1692g ( b ). In my written dispute, I specifically challenged the collectors standing, ownership of the alleged account, authority to collect, and the accuracy of the balance. Despite receipt of this notice, United Collections Bureau , Inc., has continued to send correspondence related to the alleged debt, which constitutes a knowing and willful violation of 15 U.S.C. 1692c ( c ). Any implication of legal authority or ownership without proof further constitutes a false and misleading representation in violation of 15 U.S.C. 1692e. In response, United Collections Bureau , Inc., did not provide any assignment or bill of sale, did not show a chain of title, did not establish United Collection Bureau , Inc. authority to collect, and did not include an itemized accounting of the alleged balance. Ownership and authority therefore remain expressly disputed. I am submitting this complaint regarding ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ) by United Collections Bureau , Inc., attempting to collect an alleged debt. 
I dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: NM

Complaint narrative:
The insurance claim check has been deposited into your restricted escrow account. My property sustained damage involving broken skylights and water penetration caused by a XXXX XX/XX/XXXX. My homeowners insurance company issued a check made payable to both myself and Planet Home Lending, as they are the mortgage servicer on my property. 

In accordance with Planet Home Lendings procedures, I endorsed and submitted the insurance check along with all required claim documentation to their loss draft or insurance claims department. The check was received by Planet Home Lending on XX/XX/XXXX. 

Despite my full compliance with their process, Planet Home Lending has failed to release or apply the insurance proceeds, preventing me from completing urgently needed home repairs. 

I have made multiple attempts to follow up with Planet Home Lending through phone calls and emails since the check was submitted. I have provided all required documentation, including the insurance adjusters report and repair estimates. 

However, their representatives have provided conflicting updates and no clear timeline for when funds will be disbursed. I have not received the insurance proceeds or confirmation that they are being properly processed for release to my contractor or escrow account. 

The delay has caused significant hardship. The property still suffers from damaged skylights, active water leaks, and interior moisture, which are worsening over time due to exposure. This continued water intrusion threatens the structure of my home and has raised safety concerns. 

I have had to cover some temporary repair measures out-of-pocket, creating additional financial strain. 

I respectfully request that the CFPB investigate Planet Home Lendings handling of my insurance proceeds to determine if they are improperly delaying or withholding disbursement of claim funds. 

I request that Planet Home Lending be required to promptly release the insurance funds so that the necessary repairs can proceed and property damage can be mitigated. I have called them numerous times and they do not look at the paperwork on the insurance portal and to not even realize that I provided XXXX  labels for faster mailing services that cost me {$80.00} dollars each time for every check payout to begin the construction repairs on my home. 

I am prepared to provide copies of all relevant documents, including : The insurance claim check ( front and back ). 

The insurance settlement letter or claim summary. 

Correspondence and call records with Planet Home Lending. 

Repair invoices and contractor estimates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
i had roughly {$360.00} in my cashapp, and my account got flagged for suspicious activity. ( i'm not sure why ) but, when i went to go transfer my money, it had been transferred to the linked bank. the linked bank is not my card, nor did i agree to it transferring. i am a single mother, and i use cashapp as my primary bank. when i had customer service call to try to help, the guy laughed in my face and was very rude. when i brought up how i could sue for the mishandling of my funds, he laughed again and told me to " go ahead and try. " i am very distraught as i am suddenly out of nearly {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XXXX of XXXX the dealer ( XXXX XXXX XXXX XXXX ) shipped a vehicle to us without any signed documents. ( 2nd truck purchased from XXXX XXXX ) We received the vehicle. 

With inspection we discovered that it had major safety defects and needed repair. ( Could not be repaired ) We did not give permission or consent to submit any loan documents. ( Immediately informed XXXX XXXX we do not want truck, dealer advised to take to local XXXX dealer and they would order new truck. ) We discovered through credit reporting agency that a new auto loan account was opened under our name without our consent. 

We requested from US BANK the copies of the documents used to open this unauthorized loan. 

Once we received copies, we discovered that the entirety of the documents were fraudulent and forged. Including : increased sales price dollar amount, sales tax amount, etc. All signatures for myself and the business were forged. 

XXXX XXXX XXXX XXXX altered the dollar amounts on the documents and forged every signature in order to submit and open a fraudulent loan under our name with US BANK. 

Evidence that further proves forged documents : Tracking provided shows original documents delivered to dealer on XX/XX/XXXX. 
Forged documents have an after the fact date of XX/XX/XXXX. 
Impossible for us ( customer ) to have signed any new documents in person as we live in FL and dealer is located in TX. 

Note : Vehicle has not been used since picked up from attempted repair from local XXXX dealer. Mileage on truck is original. 

Dealer who prepared and submitted fraudulent documents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX Employees Involved from Dealer : XXXX XXXX - General Manager XXXX XXXX - Sales Manager XXXX XXXX - Finance Manager Bank that processed and opened Auto Loan with fraudulent documents from Dealer : US Bank

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