vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing this complaint against GoodLeap, LLC for predatory lending, unfair debt collection practices, and violations of federal and state consumer protection laws. GoodLeap is attempting to hold me financially captive for a {$40000.00} solar loan that was originated through severe fraud, misrepresentation, and a total breach of contract by their authorized, integrated installation partner, XXXX XXXX GoodLeaps Liability Under the FTC Holder Rule ( 16 C.F.R. 433 ) : GoodLeap directly integrated its financing platform into XXXX XXXX sales process. Under the Federal Trade Commission 's Holder in Due Course Rule, GoodLeap legally inherits all claims and defenses that I have against the seller. XXXX XXXX engaged in massive fraud to induce me into this contract, meaning GoodLeap is legally responsible for these breaches and can not legally enforce this debt.2. Financing Based on Fraudulent Misrepresentations : GoodLeap 's authorized dealer induced me into this {$40000.00} debt by making fraudulent financial promises. They guaranteed a {$10000.00} cash check/kickback at tax time and promised that the system would entirely eliminate my electric bill. Both representations were entirely false. The system drastically underproduces, leaving me with an active electric bill from my utility company on top of GoodLeap 's high monthly loan XXXX. Financing of a Severely Breached and Abandoned Contract : The underlying contract financed by GoodLeap was materially breached when the installation was delayed from the promised XXXX window until the following XXXX. Furthermore, XXXX XXXX has since collapsed into bankruptcy and completely ceased operations [ XXXX ]. As a result, the comprehensive workmanship and production warranties built into the financed value of my system are completely void. GoodLeap is forcing me to pay for an abandoned, unbacked XXXX. Unfair Enforcement and Property Encumbrance : GoodLeap has placed a XXXX fixture filing/lien against my real XXXX for a fraudulent transaction. They are continuing to demand monthly payments and threatening my credit score, despite being notified of the total failure of consideration and the developer 's bankruptcy.I request that the Texas Attorney Generals Office intervene under its current solar fraud initiative to compel GoodLeap, LLC to release the lien on my property, fully cancel and discharge the remaining loan balance, and refund all payments made under this fraudulent agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute a hard inquiry that appears on my credit report from Ally Financial dated XX/XX/year> This inquiry was made without my knowledge, authorization, or consent and may be the result of identity theft. I have taken steps to protect my identity and have filed reports with the Federal Trade Commission ( FTC ) and/or local law enforcement regarding this matter. Because I did not authorize this inquiry, I respectfully request that it be removed from my credit report as soon as possible. Please investigate this matter and update my credit file accordingly. Thank you for your prompt attention to this issue. If additional information is needed, please contact me at XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/year>, somoene hacked into myPNC Business account. The balance was around {$7200.00}. They created a XXXX. to a fake company for {$7100.00}. They turned off all of the alerts first, so it took me couple days to catch the missing money. I notified the bank and over the course of 3 months. spoke to their fraud department. Around late XXXX I was told the investigation was done and they were filing paperwork for me to get the funds returned me. Now it seems they are dragging their feet. On XX/XX/XXXX, I was told to call a special number at PNC for check fraud. They told me to leave my name and number and someone would follow in 2 business days. No one Did. I left a second message- and still no followed up. Today XXXX, I called the bank business department again- they really did not offer an answer about the return of my missing money. The person was going to escalate my issue and claims, in 24 hours, someone would be assigned to me, to find out where the glitch is. I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cashera LLC
State: OH

Complaint narrative:
XXXX extra small income received a gig type loan. Cashera XXXX. I was blocked wrongly by XXXX. I never regained income as was at time of loan. Business type loan based on income only. Due to the block I offered Cashera {$500.00} limited funds as not sure when and if resolving. Cashera refused. Cashera immediately placed in collections. Cashera repeatedly contacts me when the debt is in collections they no longer own the debt. Debt was sold to collections. Cashera texts, calls, and emailed badgering me with redundant repeat of the problem. Different harassers every time. My vehicle quit. I owe {$10000.00} on a non running vehicle. I am in more hardship from what took place. I can file bankruptcy any day. I have nothing to lien on as they threatened to. I am trying to keep up with what I can. Barely making it. Fact is they refused {$500.00} all I had at the time. Debt is in collections not owed to them. No reason for them to contact me when they sold the debt and refused my limited offer. In collections after

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : " XXXX '' ( mailto : XXXX ) Phone : XXXX Date : XXXX RE : Formal Dispute and Request for Investigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) To Whom It May Concern : I am writing to dispute information appearing on my consumer credit report. Pursuant to the Fair Credit Reporting Act, I request a reasonable investigation of the accounts listed below. I dispute these accounts as inaccurate, incomplete, and/or unverifiable and request that you provide all documentation used to verify them, including account-level records, contracts, payment histories, ownership records, and the method of verification. Accounts Being Disputed : 1. XXXX XXXX XXXX Original Creditor : Progressive 2. Jefferson Capital Systems Original Creditor : XXXX XXXX 3. Jefferson Capital Systems Original Creditor : XXXX XXXX XXXX 4. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX 5. XXXX XXXX XXXX Original Creditor : XXXX XXXX 6 . XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX Charge-Off/Sold Account 9. XXXX XXXX Charge-Off Please provide : Method of Verification Date of First Delinquency Complete Account History Name and Address of the Data Furnisher Copies of Documents Used to Verify the Account If you can not verify the accuracy and completeness of these accounts through competent evidence, I request immediate deletion from my consumer file. I also request deletion of any inaccurate personal information, former addresses, name variations, or other identifying information that is not currently associated with me. Please provide me with the results of your investigation within the time period required by federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX, XXXX, XXXX around XXXX. I was the victim of a Wells Fargo impersonation scam. I was told my account was compromised and was instructed to transfer funds to protect my money. I was acting under fraudulent pretenses and would like the claim reviewed again. '' I was called from the number XXXX stating that someone from XXXX has compromised my account. They went step by step just like an operator from an actual Wells Fargo. I was told to move my funds to another account, due to the " scammers '' possibly still having access to my account. They used an app called " XXXX '' and stated this was a government protected app, that would keep my funds " safe '' while they investigated my account and set up a new wells fargo account. They had all of my account information, including my address and passwords. I even recieved a text asking did I approve of this charge, just as any other bank text that I recieve to confirm my purchase. Once they got me to transfer my funds from my apply pay, they hung up the phone. Thats when I realized I was scammed. I asked wells fargo if I could receive provisional credit, and I was denied due to them stating I authorized the purchase. However, I only authorized under false pretenses, and I feel this is completely unfair and ridiculous. Included is the apply pay transaction of XXXX and number below.

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 2026-06-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
NOTICE OF DISPUTE, DEMAND FOR DELETION, AND RESERVATION OF RIGHTS Consumer : XXXX XXXX Location : Washington, DC SSN ( Last Four Digits ) : XXXX RE : Disputed XXXX XXXX XXXX Account TO WHOM IT MAY CONCERN : This correspondence serves as formal notice that I dispute the ownership, validity, accuracy, and reporting of a XXXX XXXX XXXX account that has been attributed to my consumer file. I unequivocally deny responsibility for the alleged account and dispute the account in its entirety. The account is not mine, and I have reason to believe that the reporting of this account may stem from identity theft, mixed-file reporting, inaccurate identification procedures, misuse of personal information, or other reporting errors arising from multiple known consumer data breaches. The continued reporting of disputed and inaccurate information may implicate obligations under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. Accordingly, I hereby DEMAND the following : 1. Immediate deletion of the disputed XXXX XXXX account from all consumer reporting agencies and databases associated with my identity. 2. Immediate cessation of any collection, servicing, or adverse reporting activity connected to the disputed account. 3. Removal of all derogatory information, including late payments, collection activity, default status, charge-offs, and any related negative reporting associated with the account. 4. Written confirmation that the disputed account has been permanently removed and will not be reinserted without full compliance with applicable federal law. This correspondence shall not be construed as an acknowledgment, admission, ratification, or acceptance of liability for the alleged debt. All rights, claims, defenses, and remedies available under federal and state law are expressly reserved. Failure to correct inaccurate reporting after receipt of this notice may result in additional complaints being submitted to federal and state regulatory agencies and may result in the pursuit of all remedies available under applicable law. Respectfully Submitted, XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am a victim of identity theft and did not open, authorize, benefit from, or have any involvement with fraudulent accouts being reported by XXXX XXXX XXXX account ending in XXXX and XXXX XXXX account ending in XXXX. These accounts were opened without my knowledge or consent in or around XXXX and were not discovered by me until XX/XX/XXXX. The reported balances and activity are XXXX {$880.00} and XXXX XXXX {$140.00} are the direct result of fraud. Pursuant to section 605B of the FCRA, I demand that these fraudulent accounts and all associated information be blocked and permanently removed from my Earlywarning Services Report. I have provided supporting identity theft documentation, and any continued reporting of these accounts constitutes the reporting of inaccurate information. I request immediate compliance and written confirmation of the block and deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank repeatedly charged me overdraft fees in cascading sequences, even when deposits, refunds, and returned-item credits were present in my account. My account shows a pattern where : deposits were applied to fees first, not the transactions they were meant to cover payments were returned by the bank, then was charged overdraft fees for those returns the same payments were re-run and returned again, generating additional fees multiple overdraft fees were charged on the same day credits and refunds did not restore my balance correctly my " Overdraft Fee Forgiven '' protection was removed while I was in documented hardship This created a cycle where my account could not recover. Deposits from my family were immediately consumed by fees instead of correcting the balance, and the bank 's processing order maximized overdraft charges rather than reflecting the actual timing of transactions. Why this is unfair : U.S. Bank engaged in practices that appear unfair, deceptive, and abusive, including : fee-cascading ( charging multiple overdraft fees on the same item applying debits before credits misapplying deposits charging overdraft fees on transactions the bank itself returned removing overdraft-forgiveness protections during hardship creating negative balances through their own fees These actions caused ongoing financial harm and prevented my account from returning to a positive balance.

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
In XXXX, I opened a Chime account using a referral link from a friend, which included a promotional bonus offer. The terms required me to receive a qualifying direct deposit and activate my debit card within 14 days in order to receive the referral bonus. My original debit card was lost before I was able to activate it. I contacted Chime support and informed them of the situation. Chime reissued a replacement debit card. I was told by Chime representatives that receiving and activating the replacement card would not affect my eligibility for the referral bonus. Relying on this guidance, I activated the replacement card and completed the required direct deposit and other qualifications. After completing the requirements, I followed up regarding the bonus and was initially told to wait for it to be issued within the standard timeframe. After waiting, I contacted support again and was then told to call. During that call, I was informed I was not eligible because the original card had not been activated within 14 days, despite previously being told by Chime representatives that the replacement card would not impact eligibility. I made multiple attempts to clarify this issue and was given conflicting information. I relied on Chimes guidance when completing the requirements, and I believe I met the conditions as they were explained to me by their representatives. I am requesting that Chime review my account activity, communications, and support interactions, and issue the referral bonus as originally promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint against JEFFERSON CAPITAL, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$0.00} originally owed to XXXX XXXX XXXX, Account No. XXXX XXXX, on my consumer credit reports with XXXX XXXX XXXX XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information that can not be verified. This unlawful collection and reporting activity has caused me significant harm including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am the victim of identity theft and coercive financing. XXXX XXXX orders were opened in my name without my authorization through a fraudulent XXXX XXXX XXXX XXXX XXXX XXXX jobplacement scam. I did not create these orders, did not authorize them, did not receive goods or services, and did not benefit in any way. Unauthorized XXXX Orders : Order ID XXXX {$1000.00} original amount, {$340.00} remaining Date : XX/XX/XXXX Order ID XXXX {$1500.00} original amount, {$1100.00} remaining Date : XX/XX/XXXX These orders were created during coercive XXXX screenshare sessions where the perpetrators directed me to open XXXX checkout links and instructed me to read onetime passcodes sent by XXXX. They entered the loan amounts themselves and used their own payment cards for initial installments. I never received any goods, services, or funds. All money went directly to the merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This fraud is documented in my : FTC Identity Theft Report # XXXX Police Report # XXXX XXXX Complaint ID XXXX XXXX Attorney General Complaint # XXXX I also have XXXX Agreements from XXXX XXXX XXXX and XXXX XXXX XXXX, a cancellation email from XXXX XXXX XXXX, XXXX screenshots showing coercion and OTP harvesting, and evidence that both companies are fraudulent entities. I have already provided this evidence to XXXX, but they have not resolved the case or removed the balances. These unauthorized orders continue to show active balances and late fees. I am requesting CFPB assistance because XXXX has not completed the fraud investigation in a timely manner and the fraudulent balances remain on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 explanation