vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Paramount GR Holdings, LLC
State: NM

Complaint narrative:
In XXXX, XXXX XXXX XXXX installed solar panels and associated equipment on my property and financed them through Goodleap Financial. Unfortunately, since that time, XXXX XXXX XXXX has filed for bankruptcy, which has voided my XXXX warranty covering maintenance, labor, and equipment costs. I am now left uncertain about whether my warranty was ever effectively enforced, as I later discovered that XXXX utilized a third-party company, XXXX, for warranty services. When I reached out to XXXX, I was informed that it would cost {$500.00} for someone to assess the issues with my solar panels and Goodleap manager was not willing to pay these costs either. I am currently facing electricity bills of {$300.00} per month, which I was led to believe would be offset by the solar panels. Additionally, I was promised a tax credit that could be applied to my loan ; however, I was never informed that I would not qualify for this credit unless I owned the solar panels outright in my state.

I have serious concerns regarding the practices of Goodleap Financial and XXXX XXXX XXXX. It appears that these two companies may have colluded to exploit consumers under the guise of promoting clean energy. They seem to have taken advantage of individuals like myself by selling solar products that do not function as promised. When customers raise legitimate complaints, XXXX XXXX XXXX has a pattern of filing for bankruptcy, leaving consumers without recourse for maintenance or support. Meanwhile, Goodleap continues to benefit financially, as customers are still obligated to pay for equipment that is no longer operational and can not be maintained. Additionally, I have learned that the owner of XXXX XXXX XXXX has since established another XXXX XXXX XXXX, which raises serious ethical concerns about their business practices and intentions. This cycle of deception not only harms consumers but also undermines the integrity of the clean energy movement.

It is crucial that companies in this industry operate transparently and ethically, ensuring that customers receive the value and support they were promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, multiple in-person transactions were made at different merchants that I did not authorize. 
My credit card was always in my possession and was never lost or shared. 
The charges include gas stations, fast food restaurants, and retail stores, with small and repeated amounts, which is consistent with fraudulent activity. 
I reported these charges to Capital One and requested a fraud investigation. 
Capital One denied my claim stating only that the XXXX chip was used, without providing proof of PIN entry or signature verification. 
An XXXX chip transaction does not verify the cardholders identity. 
I requested a reinvestigation and additional information, but Capital One refused and is attempting to hold me financially responsible for unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I never received the new card via mail and it was activated and used fraudulently. ( My balance was XXXX ) I called and reported the fraudulent charges and provided the information. Charges were credited to my account at the end of XXXX. They added them back to my account in XXXX. I called and inquired and was told I needed to prove that the card was fraudulently used. They are now reporting it to all the credit bureaus as delinquent. I do not have any other delinquencies and this is impacting my credit score. I have filed a dispute with all 3 bureaus.

( When the fraudulent charges first appeared I made a payment, including late fees, until they investigated and removed the charges. I was not credited for those charges. Once the charges had been removed, I paid whatever balance was remaining and asked them to close the account. They said they could not do that. I asked to talk to a manager and the customer service agent began arguing with me. They clearly had every intention of adding the fraudulent charges back and waited over 90 days to do so. ). 
I have never experienced a bank/credit card company with such poor internal controls/customer service. This is a violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt.

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 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: DISCOVER BANK
State: TN

Complaint narrative:
On XX/XX/year> I was approached by XXXX XXXX  XXXX  in the parking lot of XXXX XXXX that were selling XXXX  for an XXXX XXXX and they asked for a donation. I gave my credit card to one of the gentlemen for the donation and was told that the transaction wasn't working and that it didn't go through. He gave me back my card and we both went on our separate ways. I went into XXXX XXXX and as I was in line to pay for my items, a notification came across my phone that a {$1000.00} transaction for XXXX XXXX had been made. I made my XXXX XXXX purchase then went to my car. I filed a police report ( XXXX XXXXXXXX, in XXXX XXXX ) of the incident and was told I wasn't the first one this has happened to on that day. I called Discover twice ( got a different person each time ) and they were not very helpful. They both told me to just wait until the charge processed and was posted to the account. I asked one of the representatives if I should close or freeze the account and was told no. After a couple of hours of feeling uneasy about the conversations I had with them, I called Discover back and was directed to the fraud department where someone actually helped. She said she was closing my account, going to open a new account and send me a new card, and file the dispute. She also told me that I would not be charged for this transaction. I noticed the transaction was taken off of my account, then re-added a few days later. I though the account had been charged again so I called Discover, again. I asked about the second transaction and was told that it hadn't been charged twice but that they ( Discover ) had added the charge back because the dispute had been denied. My husband called a day or two later to speak with someone about everything and Discover told him that they were unaware of a police report being filed, which was not true. I did make them aware of the police report when I called the third time and spoke to the lady that said I wouldn't be charged. After speaking with my husband, Discover logged another dispute and it has since been denied, again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
I am reporting Coinbase for failing to provide documentation for a XXXX withdrawal and then retaliating against me by banning my account immediately after I requested an audit. 

On XX/XX/year>, I withdrew XXXX XXXX from Coinbase. Coinbase displayed a USD value of {$4800.00} at the time of withdrawal. When the funds arrived at XXXX, the app showed : {$2800.00}. XXXX confirmed the full XXXX amount was received and stated the discrepancy was not on their end. They directed me back to Coinbase. 

I contacted Coinbase and formally requested documentation, including : Confirmation of full XXXX XXXX  Any internal routing, batching, or fee deductions The USD valuation method used Whether the transaction passed through any intermediary wallet Coinbase opened Case XXXX XXXXXXXX and acknowledged the request. Instead of providing documentation, Coinbase sent me an email stating that my account is no longer eligible to use the platform. My account had already been limited for nearly two years, but this sudden ban occurred immediately after I demanded an audit of the missing USD value. 

Coinbase has provided no explanation, no documentation, and no resolution. Their actions appear retaliatory and designed to avoid transparency regarding the valuation discrepancy. 


This is a serious transparency and accountability issue, and Coinbase has refused to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I financed a photography purchase through Affirm for services provided by XXXX XXXX 

I am a XXXX XXXX  and agreed to the photo session because I wanted to create a meaningful memory with my boys. I drove a long distance for the photo shoot. At the time of the photo session, the full price was not clearly disclosed to me. 

One to two weeks later, XXXX XXXX  scheduled a Zoom appointment to view the photos. Only at the end of that Zoom meeting, after the photos were shown to me, was I told the total price, which was close to {$3000.00}. At that point, I felt pressured because the service had already been completed. 

I agreed to move forward only because I believed I was paying for properly edited photos and planned to make payments over time. After receiving the edited photos, I was unhappy with the quality. The edited photos were not acceptable to me, and I asked XXXXXXXX XXXX for help, a re-edit, or a reasonable billing adjustment. 

My emails to XXXX XXXX  were ignored. XXXX only responded after I opened a dispute with Affirm. I explained to Affirm that I was not asking for a full refund, only a fair adjustment because the edited photos I paid for were not delivered in an acceptable way. 

Despite this, Affirm closed my dispute and stated only that I signed the contract. Affirm did not fairly investigate the lack of upfront price disclosure, the quality issue with the edited photos, or my attempts to resolve the matter directly with the merchant. 

I am now being charged nearly {$3000.00} for photos that are not properly edited, which has caused financial hardship. I am requesting that Affirm reopen the dispute and provide a fair billing adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/XXXX at XXXX used my card at they pump for gas XX/XX/XXXX at XXXX and XXXX got charged twice from XXXXXXXX XXXX XXXX Called Chime they refused to give me my money due to no proof when I had sent in XXXX images of proof that it was not me told me to get a hold of XXXX and XXXX is not responding to me. I have a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
This company is attempting to collect on a debt that I don't owe nor have they proven I owe the debt. I have demanded that they cease all communication and collection efforts as well. I also demand they stop reporting to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRING OAKS CAPITAL XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Leafy Financial, LLC
State: MI

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 

i am stressed out because this company is violating my rights Under XXXX U.S.C. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. 

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
I am submitting this complaint regarding identity theft and inaccurate credit reporting by SW Credit Systems XXXX XXXX XXXX 

After reviewing my consumer credit reports, I discovered a collection account reported by SW Credit Systems that I did not apply for, authorize, incur, or benefit from. I did not enter into any agreement with this company, nor did I authorize SW Credit Systems to collect or report any debt in my name.

Despite the account being unauthorized and inaccurate, SW Credit Systems reported the account as a derogatory collection tradeline, including an outstanding past-due balance, to consumer reporting agencies. This inaccurate reporting has caused harm to my credit profile, including reduced credit scores, adverse credit decisions, and financial distress. 

Upon discovery, I disputed the account and submitted sworn affidavits of fact and truth asserting identity theft and/or misattribution. I invoked my rights under the Fair Credit Reporting Act ( FCRA ), including : FCRA XXXX ( a ) ( XXXX ) Request for the source and method of verification FCRA XXXX Demand for blocking and deletion of information resulting from identity theft SW Credit Systems failed to provide competent evidence demonstrating that I authorized or owed the alleged debt and has continued to furnish inaccurate and fraudulent information to consumer reporting agencies after receiving notice of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I am filing a complaint regarding the repossession of my vehicle and the mishandling of my personal property by Bridgecrest Acceptance Corp and its repossession agent, XXXX XXXX XXXX XXXX XXXX, Tennessee. 
After the repossession, multiple personal items were missing from my vehicle. I made a formal claim and sent certified letters to both Bridgecrest and XXXX XXXX XXXX. 
On a later phone call, a claims representative from Bridgecrest informed me that my claim was being closed for insufficient evidence. During that call, the representative admitted that some of my personal property had been disposed of and that other items would not be returned due to internal policy. 
I also dispute the validity of the electronic paperwork they are relying on, as I was asked to sign a blank electronic screen without being shown any inventory or documents. 
My vehicle was repossessed on XX/XX/year>. 
On XX/XX/year>, I went to retrieve my personal belongings. This is when I first discovered that items were missing. 
At that time, I was asked to sign an electronic screen. The screen was blank and showed only signature boxes. I was not shown any document, inventory list, or acknowledgement of returned property. 
I did not receive copies of any paperwork or inventory at that time. 
I later sent certified letters to both Bridgecrest Acceptance Corp and XXXX XXXX XXXX regarding my missing property. 
Approximately 28 days later, I received paperwork for the first time. 
On a phone call from a Bridgecrest claims representative, I was told : All liquids from the vehicle were disposed of due to internal policy My license plate and floor mats would not be returned due to internal policy A sentimental item was allegedly returned because I signed stating all property was returned I explained that I never reviewed or saw any such document and only signed a blank screen. 
After this call, the representative emailed documents they claim I signed. This was the first time I had ever seen these documents. 
Main Issues Improper disposal of personal property Bridgecrest admitted items were disposed of. I was never given notice, an opportunity to retrieve them, or proof that disposal was lawful. 
Improper refusal to return property I was told my license plate and floor mats would not be returned due to internal policy. Internal policy does not override consumer property rights. 
Disputed electronic signature I was not shown any inventory or document before signing. I was only presented with a blank screen containing signature boxes. 
Failure to provide timely documentation No inventory list or paperwork was provided to me until approximately 28 days after the repossession. 
Improper claims handling My claim was closed despite admissions of disposal and serious disputes regarding documentation and consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I had a student loan with XXXX which I paid in full on XX/XX/2025. XXXX then transferred the loan to the Default Resolution Group ( " DRG '' ). My XXXX balance was XXXX. The full funds were debited from my bank account. XXXX now has an account reporting as in default. This is preventing my daughter from obtaining her XXXX XXXX funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
XXXX  dont accept my request to pull out the car loan from my account on the day that I request them to and they threaten to repossess my car and they dont give me a 15 days grace period

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
I requested debt validation under the FDCPA and FCRA, including proof of ownership, authority to collect, and documentation that the debt belongs to me. The company failed to respond, can not verify my address, and continues reporting the account to Equifax without verification. This constitutes inaccurate credit reporting under the FCRA, and I am requesting removal of the account.

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized electronic fund transfers processed by XXXX and charged to my account, which were later improperly denied under Dispute ID # XXXX. 

I disputed XXXX ( XXXX ) unauthorized transactions, all of which were denied without a lawful investigation or supporting evidence. These transactions were not authorized by me, and I did not receive any cryptocurrency or valid service in return. 

Unauthorized Transactions Details : XX/XX/XXXX at XXXX XXXX  XXXX * XXXX {$450.00} XX/XX/XXXX at XXXX XXXX  XXXX * XXXX {$470.00} XX/XX/XXXX at XXXX XXXX  XXXX * XXXX {$450.00} XX/XX/XXXX at XXXX XXXX  XXXX * XXXX {$480.00} XX/XX/XXXX at XXXX XXXX  XXXX * XXXX {$450.00} Total disputed amount : approximately {$2300.00} Regulation XXXX Violations : I reported these transactions promptly and complied with all dispute requirements. However, XXXX denied my disputes on XX/XX/XXXX without providing any proof that the transactions were authorized, which is a direct violation of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation XXXX ( XXXX CFR Part XXXX ). 

XXXX failed to : Conduct a reasonable and good-faith investigation Provide provisional credit where required Provide written findings supported by evidence Prove that I authorized these transactions Provide proof of cryptocurrency delivery to a wallet under my control Under Regulation XXXX, the burden of proof lies entirely with the financial institution, not the consumer. Generic denial responses are legally insufficient. 

Additional Facts : I never shared my PIN, XXXX, recovery phrase, or login credentials I did not authorize XXXX  or any third party to make these transactions No blockchain transaction hash or wallet delivery proof was provided MoonPay processed multiple high-value transactions without adequate fraud safeguards These failures constitute unfair, deceptive, and negligent practices that caused me significant financial harm and distress.

Company response to consumer: Closed with explanation