vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
In XX/XX/year>, I purchased a solar system from XXXX XXXX and financed it through Mosaic. My contract clearly states I can transfer the loan to a new buyer if I sell my home. A few months back, Mosaic went out of business due to bankruptcy, and Solar Servicing , XXXX took over the loan. I have listed my house for sale after buying a new one. A few days ago, I called Solar Servicing, and they said they would now allow the loan transfer to the new buyer. They refuse to honor the contract I have, but I never signed anything with them. In order for me to continue with the sale, I will need to pay the balance out of my escrow, totaling {$30000.00}, or pay for it out of my savings. How can they not honor a contract of a loan they assumed? Help For all existing customers ' questions and needs : ( XXXX ) XXXX Monday - Thursday : XXXX XXXX. - XXXX XXXX ET Friday : XXXX XXXX XXXX XXXX ET Saturday : XXXX XXXX XXXX XXXX XXXX Sunday : Closed For all payment-related questions : XXXX XXXX your solar home? ( XXXX ) XXXX, Option XXXX XXXX U.S. Mail : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: IL

Complaint narrative:
I am filing a complaint against Chime regarding unauthorized ATM withdrawals totaling {$160.00} ( Claim ID XXXX ). On XX/XX/year>, four {$40.00} ATM withdrawals were made from my account without my authorization. At the time of these transactions, I was at work and not at the ATM location. I have provided supporting evidence, including my timesheet and documentation showing the transaction locations do not match my whereabouts. My debit card was in my possession at all times, and I did not share my PIN or authorize any individual to access my account. Chime denied my dispute, stating that no error occurred, without addressing the evidence I provided. I attempted to contact customer support by phone to escalate the issue and was hung up on after being told if I did not have new evidence they could not reopen by investigation. Under the Electronic Fund Transfer Act, I am requesting a thorough reinvestigation and reimbursement of the {$160.00} in unauthorized withdrawals. If a PIN was used, this indicates my account security was compromised, which still constitutes an unauthorized transaction. I am requesting : * A reinvestigation of my claim * A detailed explanation of their findings * Reimbursement of the unauthorized {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint regarding a Capital One Travel booking and multiple customer service interactions. On XX/XX/XXXX, I contacted Capital One customer service regarding a hotel booking using XXXX rewards points. During that call ( with a female representative whose name I was not given ), I inquired about a price match. I was told that no lower-priced rooms were available. However, immediately after the call, I verified that rooms were in fact available for {$280.00}, significantly less than the {$420.00} I was charged. During that same interaction, I was told that I could cancel the booking on XX/XX/XXXX. Based on this information, I relied on having flexibility to cancel. On XX/XX/XXXX, when I attempted to cancel, I was told that the cancellation deadline had already passed at XXXX XXXX on XX/XX/XXXX, which directly contradicts what I was told previously and what was reasonably communicated. I then contacted Capital One again and spoke with a representative named XXXX ( XXXX XXXX call center ). He was dismissive, unhelpful, and refused to assist in resolving the issue or correcting the misinformation I was previously given. Desired resolution : I am requesting a price adjustment to the {$280.00} rate or a full refund/reinstatement of my XXXX points, along with a review of the inaccurate and misleading information provided by customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I am filing this complaint against World Finance for repeated and unwanted contact with third parties. I have explicitly instructed them to stop contacting my personal references and any individuals not associated with my account, last time being XX/XX/year> at XXXX CT, yet they continue to do so by leaving messages and voicemails asking those individuals to have me return their calls. These repeated contacts are unnecessary, intrusive, and have caused me embarrassment and distress. I believe this conduct may violate the Fair Debt Collection Practices Act and applicable state consumer protection laws. I am requesting that World Finance immediately cease all third-party communications and limit all future contact strictly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Huntington Debt Holding LLC
State: AZ

Complaint narrative:
I settled this debt in full but they are still communicating to try and collect the same debt from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
We just got a response to this complaint but it did not remedy the problem. We are demanding the company show us proof the TPP medication was done correctly. The VA has confirmed it was not. I understand the loan was transitioned from one company to another immediately but someone needs to be held responsible and do it correctly. Our mortgage payment should not change by $ XXXX a month due to a company error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App is temporarily restricted my account. Its not allowing me to access my funds in any way. My information is already verified, identity included. I work international so Im always abroad as a flight attendant, which they can see from my transactions. My work check gets direct deposited into my Cash App, which is why I dont know why they arent allowing me to access my funds. I have been using direct deposit with them for 2 years with the same company. They do not have an actual security and are using ai. This is causing a problem bc no human can even override or fix their problem. They keep lying saying a security fraud department will contact you via email, when that department doesnt even exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is a follow up from this complaint # XXXX. I am submitting a follow-up to my prior complaint regarding payment allocation on my Citi credit card account. Citis response confirms that my payments above the minimum are being applied to a deferred interest promotional balance expiring in XX/XX/XXXX, rather than to my XXXX XXXX promotional purchase balance that expires in XX/XX/XXXX. While Citi states this is due to payment allocation rules based on XXXX, this creates a material problem : I am actively attempting to pay off my XXXX XXXX promotional balance before XX/XX/XXXX to avoid being charged interest at the standard XXXX ( currently XXXX XXXX ) after the promotional period ends. However, Citis allocation method prevents my payments from being applied to that balance in a timely manner, even though I am making sufficient payments to do so. As a result, XXXX policies are interfering with my ability to avoid interest charges on a time-limited promotional balance. I am not asking for preferential treatment, but for a clear and functional method to ensure that my payments can be applied in a way that allows me to avoid interest. Citi has stated that payments can not be directed or reallocated. However, they have not provided : A clear payment strategy or schedule that guarantees I will avoid interest on the XX/XX/XXXX promotional balance under their allocation rules, or Any mechanism that allows me to ensure that balance is paid off before expiration despite making sufficient payments. This lack of control and lack of a defined payoff method places me at risk of incurring avoidable interest charges, even while making good faith efforts to pay down my balance. I am requesting : A clear, written explanation of how I can guarantee that my XX/XX/XXXX promotional balance will be paid in full before expiration under Citis required payment allocation method, and Clarification on whether any payment method, process, or exception exists that would allow payments to be applied toward that balance in a way that avoids interest. If no such method exists, I request that Citi clearly state that they are unable to provide a way for consumers in this situation to avoid interest despite making sufficient payments. This issue is not about preference, but about the practical ability to avoid interest charges under XXXX policies.

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 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion and XXXX XXXX XXXX for failure to validate a debt as required by the FCRA. Approximately XXXX months ago, I sent formal dispute letters to both XXXX and XXXX XXXX XXXX requesting full validation of this account, including the original signed contract and proof of debt. Neither company provided any of the requested documentation. More than 30 days ago, I sent a second round of letters to both companies, demanding they either provide the specific proof requested or delete the unverified account immediately. In response, TransUnion claimed the debt was 'verified ' but failed to provide any actual evidence, contracts, or documents to support this claim. I have never accepted this debt as mine, and despite my repeated requests, I have received XXXX proof of its legitimacy. The companies are in violation of the FCRA by continuing to report unverified information. I request that this account be completely and permanently removed from the credit report due to the company 's inability to provide legal validation. '' " I have attached copies of the XXXX XXXX Mail Return Receipts ( XXXX XXXX ) proving that Professional Debt Mediation , Inc. received my disputes on XX/XX/XXXX and XX/XX/XXXX. Despite these confirmed receipts, they have failed to provide the requested validation documents. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Description of the Issue On XX/XX/year>, I paid {$1100.00} via PayPal XXXX XXXX XXXX to XXXX XXXX ( XXXX XXXX XXXX ) for a XXXX " Foundation Month '' trading mentorship. The service was marketed as a " complete futures trading system '' promising a " proven framework that works '' and a specific strategy to pass prop firm evaluations. However, the service delivered was fundamentally different from what was advertised. Post-purchase, the merchant admitted in writing via XXXX that his system is specifically limited to " ranging '' market conditionsa material limitation that was never disclosed on his website prior to my payment. Actions Taken by the Consumer Direct Contact : I contacted the merchant via XXXX on XX/XX/year>, to request a refund due to this undisclosed limitation. The merchant refused in writing on XX/XX/year>, and subsequently terminated communication. PayPal Dispute : I filed a dispute with PayPal XXXX XXXX XXXX XXXX XXXX Evidence Submission : I provided a XXXX evidence package ( referenced as " Paypal XXXX '' ) which includes : Third-party Wayback Machine snapshots proving XXXX XXXX limitation was not disclosed at the time of purchase. XXXX written admissions confirming the system 's limitations. Merchants own XXXX logs showing that for XXXX out of XXXX days, there were " no setups '' and " no trades, '' proving the " XXXX hours of live trading every day '' promise was not met. Appeal : After PayPal closed the case as " ineligible, '' I filed a formal appeal on XX/XX/year>, which was also denied despite the documented misrepresentation. Company Response and Current Status PayPal has failed to honor its Buyer Protection Policy, which explicitly covers items that are " Significantly Not As Described. '' Despite providing irrefutable third-party evidence that the merchant concealed material limitations and failed to deliver the promised live trading frequency, PayPal has closed the case without addressing the specific evidence of misrepresentation. Requested Resolution I am requesting a full refund of {$1100.00}. The merchants own communications and third-party archived records prove that the product was misrepresented, and the financial institution ( PayPal ) has failed to protect the consumer under its own established terms of service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mortgage Research Center, LLC
State: LA

Complaint narrative:
The offer for the home I intend to purchase was accepted on XX/XX/XXXX. Initially projected to close and sign on XX/XX/XXXX Now 10 days and 2 contract extensions later we still do not have a clear timeframe on when we'll get to sign for the home. I have never been able to get on the phone with my loan coordinator and I have been calling for the past month. Communications are latent and broken and items that should have been requested by the lender weeks in advance were instead requested after the original closing date. I have repeatedly requested a clear answer as to what is holding the clear to close back and the only response I've received is " restrictions due to capacity ''. I have repeatedly requested to be cc 'd on email chains in regards to my home loan and they have been ignored. It is at the point where it is causing me great emotional and financial stress and the seller is beginning to show signs of cold feet. All documentation requested was provided to the underwriter since XX/XX/XXXX and we have been in limbo since then with minimal communications as to what is causing the hold up. I am now being informed that they are intending to move the closing date to XX/XX/XXXX and upon further investigation via a phone call with XXXX XXXX upper management, there is no evidence to support that XX/XX/XXXX is even feasible for them to close by.

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 2026-04-30 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

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 explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
( SEE ATTACHED FULL COMPLAINT ) On XX/XX/2025, I, XXXX XXXX, purchased a XXXX XXXX XXXX XXXX, Reference XXXX, from XXXX XXXX XXXX XXXX XXXX XXXX through Affirms buy-now-pay-later financing platform. The total purchase price was {$19000.00}. I chose Affirm financing because the transaction was offered with promotional no-interest financing, and I understood XXXX XXXX XXXX to be a vetted and approved merchant partner accessible through XXXX platform. On XX/XX/2025, the merchant informed me that the watch was in the final stages of reassembly and still required quality control and pressure testing. For a XXXX XXXX XXXX XXXX a precision Swiss movement with DLC ( Diamond-Like Carbon ) coating applied post-factory any reassembly outside a XXXX XXXX XXXX XXXX without prior disclosure constitutes : Material misrepresentation of the products condition, origin, and authenticity ; Undisclosed post-factory alteration inconsistent with the advertised listing ; A breach of implied and express warranties ; A potential violation of the Magnuson-Moss Warranty Act, 15 U.S.C. 2301 et seq. ; A potential violation of FTC rules on deceptive trade practices. Upon receipt in early XX/XX/2025, I immediately identified : The item did not match the product as listed and advertised ; The warranty/guarantee card referenced model XXXX, not the ordered XXXX XXXX ; The visible condition and appearance were inconsistent with the advertised listing ; The absence of proper documentation ( invoice/certificate of authenticity ) represented by the listing. I disputed the transaction with Affirm following receipt. Affirm failed to conduct a meaningful investigation or provide adequate resolution despite : The dispute being raised immediately after receipt ; The merchants own written emails expressly acknowledging reassembly of the watch ; The transaction involving a {$19000.00} luxury timepiece ; Written documentation of the SKU and warranty card discrepancies ; The merchants failure to provide substantive responses constituting independent evidence of an unresolved dispute. Affirm, as financing provider and merchant network operator, has obligations under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and Regulation Z ( 12 C.F.R.

Company response to consumer: Closed with explanation