vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Hanwha QCells USA Corp
State: NC

Complaint narrative:
In XX/XX/XXXX, I entered into a solar installation agreement with XXXX, which was financed through a loan with EnFin Corp. XXXX XXXXXXXX XXXX XXXX The loan amount is approximately {$44000.00} with a long-term repayment period. At the time of sale, the contractor made representations about the value of the solar system, including that it would significantly reduce my monthly electric bill and provide meaningful financial savings. I was led to believe that the system would largely offset or substantially lower my energy costs. These representations about savings and overall product value were a key factor in my decision to move forward with the installation and financing. I was also told that the system would include long-term warranty coverage and ongoing service support, which further influenced my decision. On or around XX/XX/XXXX, I attempted to contact XXXX regarding warranty and service issues and was informed that the company is out of business as of XX/XX/XXXX. As a result, the warranty, service obligations, and ongoing support that were promised at the time of sale are no longer available and can not be fulfilled. Despite this, I remain obligated to repay the full loan balance. I believe this constitutes a failure of consideration, as key aspects of the transaction both the promised financial benefits and the warranty/service supportwere misrepresented or are no longer being provided. I have attempted to address this issue and am now formally disputing the loan due to concerns ab out misleading or incomplete information provided at the time of origination, including misrepresentation of expected savings, product value, and long-term support. I am requesting that the lender investigate this matter and provide a resolution, as I am currently responsible for a substantial loan tied to a system that does not deliver the promised benefits and no longer has the warranty or service support that was represented at the time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
I formally demand a full investigation into this account. I signed solely as a co-signer and not as the primary account holder, and the vehicle was never in my possession. The subsequent repossession raises serious legal concerns, as it appears that multiple laws have been violated. UCC Violations : UCC 9-611 Notification Requirement : Failure to provide proper and timely pre-disposition notice renders the entire repossession process legally defective. UCC 9-613 & 9-614 Defective Notice Content : No evidence has been provided that any notice contained the legally required disclosures, including method of sale, timing, and consumer rights. Any deficient notice is legally insufficient. UCC 9-610 ( b ) Commercial Reasonableness : No documentation has been provided demonstrating that the collateral was disposed of in a commercially reasonable manner. This failure invalidates any alleged deficiency balance. UCC 9-616 Post-Sale Explanation : No compliant post-sale accounting or explanation of deficiency has been provided. This omission renders the alleged balance unverifiable and legally defective. UCC 9-625 Remedies for Secured Party Noncompliance : These violations trigger statutory remedies, including potential elimination of any deficiency balance and liability for damages. TILA Violation 15 U.S.C. 1605 : Any inclusion of undisclosed or improperly disclosed finance charges, including insurance or warranty products benefiting the creditor, further calls into question the accuracy of the alleged balance. Based on the above, any reporting of this account that is inaccurate, incomplete, or unverifiable must be immediately corrected or permanently deleted from my consumer 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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
I have XXXX Venmo accounts. XXXX Account is XXXX XXXX and the other XXXX XXXX XXXX XXXX XXXXXXXX is my original account. I started XXXX XXXXXXXX XXXX XXXX lost access to XXXX XXXXXXXX. I regained access to XXXX XXXXXXXX and continued using it to transfer money, never using XXXX XXXXXXXX XXXX XXXX I haven't used venmo in a while at all until recently when a customer requested that he pay me for my job via Venmo. The job was worth {$3700.00}, but I agreed to a payment plan with the first installment being {$1500.00}. Because I haven't use venmo in so long, I could no longer access XXXX XXXX but had access to XXXX XXXXXXXX XXXX so I had the {$1500.00} deposited in that Venmo account. The money was transferred on XX/XX/year> and I was able to withdraw a portion of the money. I withdrew {$150.00} and had a {$100.00} balance that was paid, so the remaining balance was {$1200.00}. On XX/XX/year> I tried to access account XXXX XXXXXXXX to transfer the funds from XXXX XXXX to it. Venmo mentioned that I needed to verify my phone number to access the account, so I did. XXXX was connected to XXXX XXXXXXXX which has the {$1200.00} but I somehow could use the same number to verify the XXXX XXXX account that had a 0 balance. Once I got back into the XXXX XXXX account, I could not longer access the {$1200.00} from the XXXX XXXXXXXX account XXXX I called Venmo with the complaint and I was told to cancel the XXXX XXXX account to release the phone number so I could access XXXX XXXXXXXX XXXX XXXX with the XXXX number. It was successful but Venmo flagged my account ( XXXX XXXXXXXX XXXX for a security breach once back in, and they refuse to release my funds regardless of proof of identity. {$1200.00} now sits in XXXX XXXXXXXX Venmo account and I have 0 access to the account. Venmo hasn't provided me with any information on when I will be available to access the funds again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I submitted a formal billing error and servicing dispute to Comenity Bank via certified mail, which was received and signed for by a Comenity employee. I later received a generic acknowledgment dated XX/XX/XXXX stating the matter was under review, but it was sent to an incorrect address despite the underlying dispute specifically addressing address inaccuracies and servicing failures. To date, I have received no substantive response, resolution, or findings. My dispute includes : Statements and correspondence sent to an incorrect address while merchandise was delivered to a different verified address Loss of account access due to improper address handling Autopay was established and successfully drafted multiple times, then later failed due to conflicting and inaccurate information provided by Comenity representatives Returned defective merchandise that was not properly handled within the promotional financing structure Improper assessment of approximately {$7500.00} in deferred interest Inaccurate delinquency reporting ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) These issues are interconnected and stem from servicing failures that impaired my ability to manage the account and satisfy the promotional balance. I am requesting : A full investigation and written explanation of findings Correction of delinquency reporting Review and correction of deferred interest Documentation supporting the promotional financing terms and calculations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a notification from my credit report that a collection account calles Portfolio recovery A has been added to my credit and as a result, it lower my credit score. Once I checked my account and read the information provided, i realized this was a fraudulent report. I never opened an account with the original creditor that was stated on the report neither was I aware of such account. I went ahead to dispute the claim, however on XX/XX/XXXX, the dispute was resolved by Portfolio Recovery A by denying my dispute. I did my research about this company and found multiple complaints about this recovery company with fraudulent charges and claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XX/XX/year>, an escrow analysis was performed on my mortgage serviced by Freedom Mortgage Corporation, which identified an escrow surplus of {$5600.00}. According to Freedom Mortgage, a surplus check ( Check # XXXX ) was mailed on or about XX/XX/year>, and they later stated that the check was cashed on XX/XX/year>. However, after carefully reviewing all bank records for the period XXXX through XX/XX/year>, I did not receive or deposit this check. Other escrow-related transactions were successfully reconciled, including a separate escrow refund of {$390.00}, which was deposited on XX/XX/year>, confirming that my records are accurate. To investigate the matter, I contacted Freedom Mortgage through their Message Center and opened Case # XXXX. They responded by stating that the surplus check had been cashed but did not provide any proof of negotiation, such as the front and back image of the check. I subsequently submitted a follow-up request for this documentation under Case # XXXX, but despite waiting more than 30 days, Freedom Mortgage has not provided the requested evidence. Without documentation showing the endorsement and deposit details, I am unable to verify that the funds were received by the intended payee. As a result, the status of the {$5600.00} escrow surplus remains unresolved.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Portfolio, Inc.
State: IA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I mailed a written debt validation request to XXXX XXXX XXXX XXXX on XX/XX/year>. According to XXXX tracking, the letter was delivered on XX/XX/year> at XXXXXXXX XXXX As of today, I have not received any response, validation, or documentation verifying the alleged debt. Despite receiving my timely dispute and validation request, XXXX XXXX XXXX XXXX has reported this alleged debt to the credit reporting agencies. This reporting occurred without providing validation and while the debt remains disputed. This is a violation of my rights under the FDCPA, which requires a debt collector to cease collection activity until validation is provided, as well as the FCRA, which prohibits the reporting of inaccurate or unverified information. As a result of their actions, my credit score has decreased by over 20 points, causing measurable harm to my financial standing. XXXX XXXX XXXX XXXX has failed to meet its legal obligations and continues to report unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Experian, Transunion and Equifax violated my rights as a consumer under 15 USC 1681C-2 and I need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove address ; XXXX XXXX XXXX XXXX XXXX, fl XXXX, Employers ; XXXX XXXX XXXXXXXX, XXXX XXXX of XXXX, XXXX XXXX XXXX, XXXX de XXXX, Inquires ; XXXX date ; XXXX XXXX XXXX, XXXX XXXX date ; XXXX XXXX XXXX, XXXX date ; XXXX XXXX XXXX, XXXX XXXX XXXX date ; XXXX XXXX XXXX, XXXX XXXX date ; XXXX XXXX XXXX, XXXX XXXX XXXX date XXXX XXXX XXXX, XXXX XXXX XXXX date ; XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX date ; XXXX XXXX XXXX, XXXX XXXX date ; XXXX XXXX XXXX, XXXX XXXX date ; XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am disputing the validity of a debt that was reported to my credit file by Rent Recovery Services. The balance originated from a previous apartment complex where I resided for four years. After moving out, I was charged {$640.00} for items I believe to be unreasonable and inaccurate, including carpet replacement despite normal wear and tear, as well as a cleaning fee even though the unit was left in clean condition. Additionally, I was billed for what was described as a 60-day utility charge, which I also questioned. I attempted to dispute these charges directly with the apartment complex and requested to negotiate due to financial hardship ; however, my request was denied. The account was later sold to a third-party collection agency, Rent Recovery Services , and reported to my credit without proper notification. Upon contacting the agency, I was informed that the initial notice was sent in XXXX to my previous address. Although I have mail forwarding set up through the postal service, I never received any communication regarding this debt prior to it being reported on my credit file. Because I was not properly notified and given a fair opportunity to resolve or dispute this matter before it was reported, I believe this account has been reported inaccurately and unfairly.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed accounts listed that do not belong to me. I have never applied for or obtained credit of any kind with these institutions. These accounts were opened using my personal information without my authorization, without my consent, and in a fraudulent manner. The inaccurate information being reported is negatively affecting my ability to obtain credit fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a collection notice from Lloyd and McDaniel PLC attempting to collect {$5400.00} on behalf of XXXX XXXX XXXX XXXX, reference number XXXX. I am formally disputing this debt in its entirety under 15 U.S.C. 1692g. A written debt validation demand was sent to Lloyd and McDaniel on XX/XX/XXXX via certified mail demanding the complete payment history, original signed credit agreement, chain of ownership documentation, and itemized balance breakdown. The underlying XXXX XXXX XXXX account is simultaneously the subject of an active FCRA dispute. A direct furnisher dispute letter was sent to XXXX XXXX XXXXXXXX on XX/XX/XXXX via certified mail demanding deletion of this tradeline from all credit bureaus based on multiple documented inaccuracies including a No Data gap in XX/XX/XXXX, a dual status reporting error where the account simultaneously shows a charge-off status and an active past due balance, and cross-bureau payment history inconsistencies. Bureau dispute letters were also sent to XXXX XXXX and XXXX on XX/XX/XXXX. I am filing this complaint to place Lloyd and McDaniel on record with the CFPB and to ensure they comply with their obligations under the FDCPA to cease collection activity while my written dispute is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I originally called in on XX/XX/XXXX, requesting XXXX XXXX statements detailing a payoff transaction from XX/XX/XXXX for all 3 of my cards as these statements were not listed in the app for me to download. The statements were needed so that I could upload them to be reviewed by underwriters as I am in the process of purchasing a home. I was able to pay these closed cards off on XX/XX/XXXX and just needed a bank statement to show those payments in the transaction history. I was on the phone for over an hour and was told that the statements could not be emailed to me, but could be mailed to me and it would take 10business days. Although, I needed the documents immediately, I patiently waited the 10 business days to receive documents that were NOT bank statements. They send me letters only describing the credit limit, last payment posted, and amount paid. Not what I needed. I called back in on XX/XX/XXXX, spent another hour on the phone, only to be told that the system did t generate it so it couldnt be sent. I was also told, there was no way to escalate it, I could reach out to general correspondence, but they may not help. I was transferred around once the account specialist got tired of me, and the. Cold transferred to another account specialist who then asked me what I needed help with. I had to explain everything again. And they could not help me. I was told I couldnt file a complaint on the previous agent or about the service in general, told that I couldnt submit a form for them to fill out and send back instead, and told there was no way to contact the XXXX. I feel like I am being treated unfairly because I paid off my balances and no longer pay capital one. I do t understand why I can have a record of transactions made on the account in official bank statements form, and feel like customer service doesnt want to deal with me and are not trained to chase after problems. I have transactions that should be located on a card statement, that are not and Capital One wont help correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or around XXXX XXXX XXXX I received a call from what was listed as Us bank on my caller ID. When I answered, I was informed that it was the fraud department. From here they needed to " Verify me, '' and a one-time code would be sent out, and I needed to verify the code to continue. Once that was done, they went through my account with me to confirm " suspicious activity. '' I said the transactions they were listing were not from me. Due to this i needed to stay off my account while they go through my account to see what else is going on, etc. I would receive a call the next day from the same gentleman, going over the account and the details of what needs to happen next. I did so, and the next day I got a call at the same time with another code to verify that they were talking to the right person I gave them the code, and they wanted to be on the account again later that day I felt a little suspicious and weary so I logged on to the account to see, and there were multiple transactions. At this time, I called US Bank back and this time they gave me the same walk-through that the gentleman I was speaking with previously gave me. I found out the person I was speaking with was not with US Bank and was fraudulently getting access to my account and transferring money through XXXX to himself or someone in his organization. I had to close all my active US Bank business account and transfer them over to new account while doing so new accounts were open with US Bank and the money was transferred that was existing in my account while US Bank said they were looking into what occurred I have just found out that US Bank denied my claims and does not plan to put money back on my account due to this fraudulent activity.

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 2026-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I transferred {$700.00} via XXXX from my XXXX XXXX account to my high-yield savings account with EverBank. XXXX days later, on XX/XX/XXXX, I discovered my EverBank account was locked when attempting to log in. I contacted EverBank and was told the lock was due to a fraud review and that I would receive a call within XXXX hours. I never received that call. On XX/XX/XXXX, after following up, I was informed for the first time that my account had been closed and that my funds would be returned via check. This contradicted the initial explanation, and I was not given prior notice of account closure. Due to an urgent need for the funds ( car repair ), I requested alternative options such as a wire transfer, but was told this was not possible. I also requested escalation to a supervisor or XXXX but was told none were available, and a promised sameday callback never occurred. On XX/XX/XXXX, I was contacted by a supervisor who claimed that a dispute had been filed on my end through my bank to reverse the transaction. I immediately confirmed with my bank that no such dispute was filed and that no reversal was pending. I contacted EverBank again and was told that the {$700.00} was being returned to an account that does not belong to me. The representative was unable to match the destination account with any of my known bank accounts, including XXXX XXXX and XXXX XXXX. I also confirmed with all my banks that there are no pending reversals, disputes, or masked accounts associated with this transaction. At this point : I did not authorize any dispute No financial institution I contacted has any record of a dispute or reversal EverBank can not verify the account where my funds are being sent I have received conflicting and inaccurate information throughout the process Promised callbacks were not honored A supervisor was unhelpful and unprofessional I am now extremely concerned that my funds have been misdirected or mishandled, and I have no clarity on where my {$700.00} is or how it will be recovered.

Company response to consumer: Closed with explanation