vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Hanwha QCells USA Corp
State: NY

Complaint narrative:
I am filing a complaint regarding a solar financing loan issued by EnFin Corp. in connection with a solar installation project contracted through XXXX. I dispute the validity and enforceability of this loan due to material failures in the underlying transaction, including non-performance of the system and concerns regarding misrepresentation and lender oversight. Prior to entering into this agreement, I already had an existing solar panel arrangement with another provider ( Momentum ). The XXXX project was presented as an expansion or upgrade of the existing system, with representations that it would significantly increase system capacity and reduce or eliminate my utility costs. However, this outcome has not been achieved. I continue to make monthly payments under the prior Momentum arrangement while also paying the EnFin loan associated with XXXX. Despite the expanded system, I have not realized the expected financial benefits or energy savings. In addition, the solar installer ( XXXX ) has ceased operations and is no longer able to fulfill its contractual obligations, including system support, warranty, and service. As a result, there is no active provider responsible for system performance or maintenance. The system appears to be underperforming relative to what was represented at the time of sale, and the expected increase in capacity or effectiveness has not been delivered. I entered into this transaction based on representations regarding increased system performance, reduced utility costs, and ongoing service, which have not been realized. I have also raised concerns regarding potentially misleading or incomplete disclosures at the time of sale. I have contacted the company multiple times to dispute the loan and request documentation and clarification. While the company has acknowledged the issue, it has declined to make any determination and has stated that it will wait for external litigation involving the installer before taking action. The lender continues to treat the loan as enforceable despite the fact that the merchant is non-operational and the system is not delivering the promised performance. This leaves the borrower responsible for multiple financial obligations without receiving the expected benefit of the contracted system. I am seeking a review of the enforceability of this loan and appropriate resolution given the failure of the underlying transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This has been ongoing since my last complaints and they're not doing anything about it they're currently calling my phone threatening to garnish my wages when they can't even fully send me what I'm asking for if they have anything with my name and my social they need to send me everything that was made in my name cuz I have no proof that alone was made and whoever this company is took my car through a third party and now asking me to pay for something I don't own and they couldn't verify that they own it. This is not Lending this is counterfeiting through book entries disguise as credits enforced as debt without a full disclosure without lawful consideration and without any valid Contracting. My signature creates the US obligation under 18 USC Section 8 which becomes a security under 31 USC section 3123 which is then deposit Under 12 USC section 1813 as the bank 's asset I need that paperwork while they're pretending to loan out money I lost everything.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OPORTUN FINANCIAL CORPORATION
State: DE

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: UT

Complaint narrative:
The company is credance resource management. I called them to ask what the debt was about. It was {$100.00} form XXXX. I paid XXXX today ( XX/XX/year> ). But before I found out it was XXXX, they said I had to pay {$1.00} to get the information, which I did. I gave them my credit card. Then, I received XXXX emails from XXXX and XXXX, both stating that I had just signed up for a monthly membership, each one being {$24.00} per month. I did not authorize them to sign me up for those memberships. So scammy. Then, they hung up on me. I've tried calling them but they just hang up on me. So so XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
Square froze my account after I tried to transfer from the square account to my business checking account, they froze all my operating funds without cause and gave me no remedy or reason, calling it a routine verification. There is nothing routine about freezing an XXXX companys ability to operate in the middle of summer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed my credit report and I was shocked by what I found. There are accounts and inquiries on here that I never opened and have no knowledge of. This is seriously affecting my ability to get approved for credit and its causing me a lot of stress. I need these accounts removed from my report immediately. Ive attached the specific items Im disputing that need to be removed immediately. Please look into this as soon as possible I am stressed!

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 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MA 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 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
bank of america card notice XXXX charges totalling around {$32000.00} on XX/XX/XXXX charges list fifaus as merchant i reported fraud immediately i have never been in contact with XXXX, nor received or ordered anything from them BOA investigated and turned it down twice without any explanation BOA did not question the charges when made although they routinely question way smaller amounts BOA to my knowledge has not investigated this claim, they merelyi turned it down. They did not contact me once in regard to this

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 2026-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 2026-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: USCB, Inc.
State: ID

Complaint narrative:
The debt collector sent me a collection letter dated XX/XX/year> that contained my and my family 's private, protected health information ( PHI ) provided by XXXX XXXX. Specifically, they listed explicit diagnostic medical codes in the letter. Disclosing detailed medical diagnosis codes in a collections notice exceeds the 'minimum necessary " disclosure rules allowed under HIPAA guidelines for debt payment and represents an improper handling and sharing of my private health data. XXXX leaked a minor 's explicit clinical diagnosis * to a third-party corporation for routine billing, failing the " Minimum Necessary '' standard, which resulted in the exposure of a child 's medical history via the US postal system. Medical diagnostic codes disclosed by the debt collector : - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX [ minor PIH exposure ] XXXX XXXX - XXXX XXXXXXXX [ minor PIH exposure ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
I dispute a transaction the amout {$1700.00} cash app I told them my phone was stolen the transaction was not authorized by me so it was withdrawal from to a different account the bank called XXXX I contacted them told the same thing I'm telling you guys and cash app so they told me have dispute it with cashapp so the thing is they not taking this seriously this my earn hard money that was withdrawal from a different bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
On XX/XX/year>, I requested to finance a laser hair removal service from XXXX XXXX. The amount was for {$2400.00}. XXXX XXXX went out of business before I could start treatment. No notice was given and monthly auto-pay continued. I called the financing company, XXXX, they opened a dispute on the case and stopped payments temporarily. After XXXX months of waiting for resolution, I called them and they told me that i had to work with another provider. I requested a refund for what has been paid and to cancel the loan but they have denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I am disputing the accuracy of the Credit Acceptance account being reported on my credit report. According to my records, this loan was satisfied and paid in XXXX. However, the account continues to appear on my credit report in a manner that may be inaccurate or misleading. I am requesting that Credit Acceptance conduct a reasonable investigation and provide documentation supporting the current reporting of this account. Specifically, I request : 1. Proof of the current balance being reported, if any. 2. The date the account was paid, closed, or otherwise satisfied. 3. A complete payment history for the account. 4. Documentation supporting the account status currently being furnished to the credit reporting agencies. 5. Verification that the information being reported is complete and accurate as required by the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2. If Credit Acceptance can not provide documentation supporting the accuracy of the information being reported, I request that the account be corrected or deleted from all consumer reporting agencies. I am seeking a thorough investigation and correction of any inaccurate information being furnished regarding this 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 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has furnished derogatory credit information to Transunion about a debt which I am not liable to them for. This information has damaged my credit standing and credit score which I use for personal, family, and household purposes. As a result I am suffering damages. The information being furnished is false and misleading. It was never officially validated and should not have been shared without consent obtained directly from me before sharing with another person. Such actions are dangerous and can seriously injure a taxpayer. I am serving notice to them through this complaint to immediately cease use of my legal name to report this information and provide to me the documents obtained and use to give rise to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase Sapphire Reserve credit card, which includes travel benefits and bookings using rewards points. I booked a hotel, and accepted the terms and conditions of Chase 's booking ( XXXX XXXX XXXXchaseXXXXXXXX ). This includes a Chase XXXX XXXX XXXX XXXX. I meet all the Qualification criteria for this, and none of the Exclusion criteria. However Chase tells me I am unable to take advantage of this advertised benefit listed in the terms and conditions on the site. Chase advises is not available on all reservations, and only available if I have a link. This isn't in the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer through Abound ( XXXX XXXX XXXX XXXX ) in the amount of {$1500.00}. After the transfer was initiated, I was informed that the funds would be delivered by XX/XX/year>. When that date passed without delivery, I was given a new expected delivery date of XX/XX/year>. When the transfer was still not completed, I was again asked to wait and was subsequently told to expect resolution by XX/XX/year> to which I disagreed. Due to these repeated delays and the companys inability to complete the transfer within the promised timeframes, I requested a refund on XX/XX/year>. Abound informed me that the refund would be processed within 58 business days. The quoted refund timeframe has now passed, and I have still not received my refund. I have contacted the company multiple times seeking updates. In my most recent communication, I was told that I would need to wait an additional 35 business days for the refund to be processed. The company has repeatedly provided delivery and refund timelines that have not been met. More than a month has passed since the transfer was initiated, and I have neither received the transferred funds nor the refund that was promised. I am requesting the immediate return of my {$1500.00} and an explanation for the repeated delays and failure to honor the timelines provided to me. In addition, the companys email system has consolidated all communications into a single email thread exceeding 128 pages with repeated message content, making it unnecessarily difficult to preserve, print, and submit a clear record of communications regarding this dispute. As a result, I am providing representative communications that document the changing delivery dates, refund request, and subsequent refund delays.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation