vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
A late payment was reported on my credit report related to a {$6.00} past-due amount on a Concora Credit account XXXX 

The card was never activated and has never been used. A monthly account fee was assessed without my awareness, and because the account was inactive, I did not realize a balance existed. 

As soon as I became aware of the fee, I paid the balance in full immediately. This was an unintentional, one-time oversight involving a very small amount and does not reflect my payment history or intent to avoid payment. 

I contacted Concora Credit to request a goodwill adjustment, but was informed customer service could not assist. I am requesting that Concora Credit review this matter and remove the late payment as a courtesy, given the inactive status of the card, the minimal amount involved, and the immediate payment once discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX and XX/XX/XXXX I instructed XXXX XXXX to send XXXX domestic wire transfers from my XXXX brokerage account to my own JPMorgan Chase checking account for my benefit The intended destination was my Chase Secure Checking account ending in XXXX The XXXX wires were XXXX USD on XXXX and XXXX USD on XXXX. After these transfers the funds never appeared in my Chase account and were not returned to XXXX I contacted both XXXX and Chase by phone and secure messages and asked them to investigate Chase initially told me they could not locate any incoming wire to my account ending in XXXX for the XXXX transfer with reference XXXX and that they did not see any Chase account ending in XXXX in my customer profile Chase also advised that if a wrong account number was used only the sending bank can correct it through a wire recall or amendment XXXX later informed me in XXXX XXXX letters that both wires were sent to JPMorgan Chase Bank routing XXXX beneficiary name XXXX XXXX beneficiary account number XXXX and that JPMorgan Chase confirmed to XXXX that these wires were received and credited to that external account XXXX also said that the JPMorgan Chase payee with this account number was added on the XXXX website on XXXX XXXX states that because this is an external bank account they can not verify the account information but that they followed my online instructions submitted wire traces and recalls and therefore believe there was no XXXX error and they will not compensate me When I asked Chase to verify account XXXX Chase Retail XXXX XXXX answered that they can not check or discuss that account with me without the account holders authorization and again told me that if the wires were sent to an incorrect account the sending bank must initiate an Amendment or Recall As a result I can not confirm whether XXXX is actually my account or belongs to someone else and I have no ability as a consumer to correct any misdirection between the XXXX banks XXXX now says its review is complete and it has no further responsibility while Chase refuses to discuss the account and directs all corrections back to XXXX As of XX/XX/XXXX the funds from these XXXX wires are still missing from my perspective I have never had access to them XXXX wired a total of XXXX USD out of my brokerage account to a Chase account I can not confirm is mine Chase will not discuss that account with me and both institutions are telling me to work with the other I have made repeated good faith efforts over several months to resolve this directly with both XXXX and Chase but remain caught in the middle with a significant loss and no workable path to recover the funds or be made whole

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: FL

Complaint narrative:
Category : XXXXonsumer Loan / Installment Loan Company : GoodLeap Credit LLC I am disputing a solar loan originated by GoodLeap based on misrepresentation, system underperformance, and failure of essential purpose. 
The system was sold to me in or around XXXX  by XXXX, later XXXX. Both companies are now out of business. At the time of sale, I was promised substantial energy savings, reliable system performance, and that federal tax credits would offset much of the system cost. These representations were material and induced me to enter the loan. 
The system has underperformed relative to what was promised, and there is no installer available to repair defects, address production issues, or honor any warranties. Because the installer is defunct, the system can not be cured, and the loan no longer serves its essential purpose. 
I am requesting rescission of the loan or a materially reduced settlement reflecting the misrepresentation, underperformance, and lack of installer support. Continued enforcement of this loan under these circumstances is unfair and deceptive. 
I am seeking GoodLeaps intervention to resolve this matter promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
At XXXXXXXX XXXX I got an email from Synchrony Bank stating " XXXX XXXX your new Synchrony Bank account is now open. '' when I NEVER inquired about opening any account with them whatsoever. 

I went to the website ( the email contained no links ), and chose " forgot my username ''. I put in my information and was provided the username setup with the account, under " XXXX ''. I then proceeded to reset the password, and was able to login. 

The account had my first name, last name, my address, and a fake employer. The employer information was " XXXX XXXX XXXX '' which, when I searched for it found the XXXX XXXX registration and that points to various addresses. Not sure if these are fake names or not, but XXXX of them is, coincidentally to a XXXX store across the street from where I live. 

I called Synchrony the next day and told them this was NOT me, and they forwarded it to their fraud department. 

My credit is frozen, and it baffles me that someone was able to open an account with Synchrony so easily with whatever information they had. 

I have filed a report with the FTC, and also this week I have had XXXX other accounts attempted to be opened with my information ( XXXX and XXXX XXXX ) however these institutions caught this can declined the account. 

I believe that Synchrony is not following due process here when verifying someones information to open an 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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I went to go deposit cash in my account this Monday and checked my account later and seen it was pending in my account and not available. I called the bank and the teller I deposited cash to says that he will talk to his manager. I never got a call back. So I called Pnc customer service to find out my account is frozen. Nobody said anything to me. No text no call no email no letter nothing. The teller didnt even say anything to me! If that was the case I wouldnt have deposited cash. Now I am late on my rent! And they wont even release my funds to me. I need help immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NV

Complaint narrative:
I was informed this summer that my ex wife 's loans assigned ( and obligated y XXXX XXXX XXXX XXXX ) to her had been assigned to me. As a standard starting practice, I send letters to the lender of these purported loans requesting FCRA compliant information to substantiate the loans and their right to collect. I reminded them that collections and adverse reporting of these supposed loans was in violation of the FCRA, unless and until validated. I also requested, under separate cover, any amortization and other calculations to substantiate the amounts involved, should the loans be validated. 

Mohela responded to my FCRA request by dismissing it as " frivolous '' and continued collections activities, including reporting adversely to all of the credit bureaus. 

Mohela responded to my amount substantiation request by simply stating in effect " we are allowed to do this '' without further information. 

I am aware that my ex-wife many years ago refinanced her student loans, and am aware that I was considered a co-signer of those loans. I am not aware of any loans directly to me. If such loans do in fact exist, per Mohela 's claims, then they must provide the evidence of such. They have failed to do so, while ruining my credit and continuing collections actions. 

In XXXX, I send a Cease and Desist for collections and a demand that all derogatory credit information regarding this matter be removed. They have not complied with this demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Subject : Formal Dispute of Unauthorized Charges Due to Merchant Misconduct, Transaction Splitting, and Lack of Capacity. 

Details of the Incident : I am disputing a total of {$11000.00} in charges from the merchant XXXX XXXX ' occurring on or around XX/XX/XXXX. These charges were processed while I was medically incapacitated and in a state of total blackout for approximately XXXX hours. 

Criminal Investigation : The XXXX XXXX XXXX XXXX has opened a criminal investigation into this matter for Financial Exploitation and Predatory Billing ( Case Number : XXXX ). A deputy has already conducted an on-site investigation and is currently reviewing surveillance video to verify my physical state and lack of capacity to consent at the time the cards were run. 

Merchant Misconduct & Rule Violations : Transaction Splitting : The merchant intentionally engaged in 'Transaction Splitting ' to bypass bank security limits. Instead of a single charge, they ran multiple smaller transactions ( e.g., {$2000.00}, {$3000.00} ) in rapid succession across both my XXXX XXXX and Apple Card accounts. This is a direct violation of XXXX XXXX XXXX. 

Lack of Capacity ( XXXX XXXX ) : Under Nevada law, any signature or consent obtained while a person is medically incapacitated is legally void. 

Larceny by Deception : I have requested, and the merchant has failed to provide, an itemized breakdown of services for {$11000.00}. 

Requested Action : I am requesting that Goldman Sachs recognize the active criminal investigation ( Case XXXX ) and the merchants rule violations. I demand an immediate provisional credit per Regulation E while the XXXX XXXX completes the evidence package.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM A CONFIRMED VICTIM OF IDENTITY THEFT DUE TO THE EQUIFAX DATA BREACH, WHERE MY PERSONAL INFORMATION WAS COMPROMISED. FRAUDULENT ACCOUNTS AND INQUIRIES HAVE SINCE APPEARED ON MY CREDIT REPORT WITHOUT MY AUTHORIZATION. I SUBMITTED A FORMAL DISPUTE WITH ALL REQUIRED DOCUMENTS UNDER THE FAIR CREDIT REPORTING ACT ; FCRA SECTION 6058, INCLUDING PROOF OF IDENTITY THEFT & CONFIRMATION FROM EQUIFAX THAT MY INFORMATION WAS IMPACTED. PER FCRA 605b, THE CREDIT BUREAUS ARE LEGALLY REQUIRED TO BLOCK AND DELETE ALL INFORMATION RESULTING FROM IDENTITY THEFT WITHIN XXXX ( XXXX ) BUSINESS DAYS OF RECEIVING PROPER DOCUMENTATION. THIS LAW MANDATES IMMEDIATE ACTION. I AM REQUESTING THE IMMEDIATE DELETION OF THESE FRAUDULENT ACCOUNTS & INQUIRIES. FAILURE TO COMPLY WILL RESULT IN LEGAL ESCALATION & ENFORCEMENT UNDER FCRA 616 & 617, FOR DAMAGES DUE TO WILLFUL NONCOMPLIANCE. MY NAME IS XXXX XXXX XXXX, AND I AM THE XXXX SUBMITTING THESE DISPUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM A CONFIRMED VICTIM OF IDENTITY THEFT DUE TO THE EQUIFAX DATA BREACH, WHERE MY PERSONAL INFORMATION WAS COMPROMISED. FRAUDULENT ACCOUNTS AND INQUIRIES HAVE SINCE APPEARED ON MY CREDIT REPORT WITHOUT MY AUTHORIZATION. I SUBMITTED A FORMAL DISPUTE WITH ALL REQUIRED DOCUMENTS UNDER THE FAIR CREDIT REPORTING ACT ; FCRA SECTION 6058, INCLUDING PROOF OF IDENTITY THEFT & CONFIRMATION FROM EQUIFAX THAT MY INFORMATION WAS IMPACTED. PER FCRA 605b, THE CREDIT BUREAUS ARE LEGALLY REQUIRED TO BLOCK AND DELETE ALL INFORMATION RESULTING FROM IDENTITY THEFT WITHIN XXXX ( XXXX ) BUSINESS DAYS OF RECEIVING PROPER DOCUMENTATION. THIS LAW MANDATES IMMEDIATE ACTION. I AM REQUESTING THE IMMEDIATE DELETION OF THESE FRAUDULENT ACCOUNTS & INQUIRIES. FAILURE TO COMPLY WILL RESULT IN LEGAL ESCALATION & ENFORCEMENT UNDER FCRA 616 & 617, FOR DAMAGES DUE TO WILLFUL NONCOMPLIANCE. MY NAME IS XXXX XXXX XXXX, AND I AM THE XXXX SUBMITTING THESE DISPUTES.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I sent a {$500.00} XXXX payment from my Capital One checking account to my XXXX XXXX XXXXXXXX checking account. 

Capital One shows the transaction as delivered. However, XXXX XXXX XXXX has confirmed that the XXXX transfer failed and that the funds were never received or credited to my account. XXXX XXXX XXXX also confirmed that the receiving account was not officially active at the time of the transfer, so the funds were never accepted into their system. 

As a result, the {$500.00} is missing it is not in my Capital One account and was never deposited into my XXXX XXXX XXXXXXXX account. 

Capital One initially refused to reverse or investigate the transaction, stating that it was delivered, despite confirmation from XXXX XXXX XXXXXXXX that the funds were never received. This left me with missing funds and no resolution. 

After escalation, Capital One agreed to reopen a claim, but the funds have still not been returned or credited. 

I am requesting that Capital One complete a full XXXX network investigation / funds trace and either return the {$500.00} to my Capital One account or otherwise resolve the missing funds. 

This transaction did not successfully complete end-to-end, and I should not be held responsible for funds that were never received by the destination bank. 

Capital One has recently reopened a claim after escalation, but the funds remain missing and unresolved at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2026-01-07 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On XX/XX/XXXX, I visited a Bank of America branch to open a checking account and to enroll in Preferred Rewards. The banker who assisted me confirmed on my application that I selected the option for XXXX Rewards early enrollment. This option allows for enrollment in the program within 30 days of depositing a qualifying amount rather than the standard requirement of having to maintain a qualifying balance for XXXX  months. That same day, I opened and linked a XXXX XXXX account and transferred the funds required to qualify for XXXX XXXX. 

On XX/XX/XXXX, my XXXX XXXX account received a {$100000.00} transfer, which should have made my account eligible for XXXX Rewards. After XXXX days, I had not received access to the program despite meeting all requirements. I returned to the branch and was told the delay might be due to the holidays. After waiting a few days with no change, I called customer service ; the issue was escalated to their back office only after an hour-long call. 

On XX/XX/XXXX, a customer service representative called and informed me that they could not enroll me early because they could not confirm my application details, even though the application was completed and approved digitally at the branch. He advised that I must wait the full XXXX months and then contact him to request backdated rewards, or return to the branch to escalate again. 

On XX/XX/XXXX, I returned to the branch. After an hour of attempts to resolve the issue on the computer and multiple failed attempts at contacting the XXXX Rewards team, the banker was finally able to reach the XXXX team. Unfortunately, he was also told that the system could not see my early enrollment selection and that manual enrollment would not be performed. The banker apologized and assured me that once the system allowed enrollment, my enrollment date and any missed rewards would be backdated automatically to my account opening date. 

Because I signed up for early enrollment and knew that I was going to immediately deposit a qualifying amount, I also opened multiple credit cards and a high-tier bank account expecting to receive the XXXX XXXX benefits I had qualified for within the first XXXX days. 

I have since found numerous reports online of similar experiences, suggesting that this is not an isolated incident.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have something that just hit my credit for something I know nothing about. I would like it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I was notified on my credit monitoring of an account that went to collections under Credence Resource Management, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. The debt amount was {$6700.00} on an account that was opened on XX/XX/year> and that the original creditor was XXXX XXXXXXXX I have no knowledge of this account, and I have an account with XXXX XXXX XXXX in good standing. I have reported this to XXXX  and flagged as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint because JP Morgan Chase added an internal XXXX XXXXXXXX payment plan '' to my account without my authorization or consent. This was not a merchant transaction, not a purchase, and not a dispute with any external party. It was an internal Chase action applied to my account that I did not request, approve, or enroll in. 

XXXX. On or around XX/XX/year>, a XXXX payment plan appeared on my account. 
XXXX. I did not authorize this plan, did not enroll in it, and did not receive any notice or request for consent. 
XXXX. The first installment was scheduled for XX/XX/year>. 
XXXX. This plan was created entirely within XXXX XXXX system - there is no merchant involved.

Company response to consumer: Closed with explanation