vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Process for identity needs to be fixed. My Capital One XXXX card was deactivated without my knowledge. Call center asked for identity verification. I complied on the XXXX afternoon it was requested while on phone. But ... No one in that department. Call center said it could be 10 DAYS with NO ACCESS TO MY ACCOUNT. What if I was on vacation? If a company is going to ask for this XXXX MONTH LATER on a XXXX they need people in that department on a XXXX so call center can xfer me to the department or have department call within a few hours. Easy fix. New account is opened, then send me a request for proof of identity or call me and give less than 24 hours to comply. If not a fraud, I'd have my driver 's license on me and could upload within hours. Never have been asked to do this for other fraud on other cards. Why now? Why XXXX?!?! That's outrageous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Subject : Complaint Regarding Deceptive Solar Financing and Misrepresentation GoodLeap / Solar Sales Complaint Summary I am filing a complaint regarding a solar panel financing agreement associated with my residence at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I entered into a solar loan in XX/XX/year>, which resulted in a financed amount of approximately {$100000.00}. This loan was obtained through GoodLeap, based on representations made by a sales representative that were inaccurate and misleading. Misrepresentations Made at Time of Sale At the time of sale, the sales representative ( identified as XXXX XXXX ) made the following statements : My electricity bill would be reduced significantly, potentially cut in half or reduced to near {$0.00} The system would generate excess energy and I would receive money back from the electric company annually I would receive tax credits and financial benefits that would offset the cost of the system The representative would assist in setting up the appropriate utility plan to maximize savings and returns These representations were material to my decision to proceed with the purchase and financing. Actual Outcome None of the above representations were realized : My electricity costs were not significantly reduced I did not receive payments or credits back from the utility company I did not receive the expected tax-related financial benefits The sales representative did not provide assistance with utility plan optimization as promised The system did not perform in a manner consistent with what was represented at the time of sale Loan and Financing Concerns The total financed amount was approximately {$100000.00}, which appears significantly inflated relative to the value of the system. Additionally : Approximately {$7000.00} from a personal vehicle payoff was rolled into the solar loan This inclusion was not clearly disclosed or explained at the time of financing The structure and terms of the loan were not fully transparent, including payment changes over time Accountability Issues The sales representative is no longer reachable, and there has been no follow-up or accountability for the promises made during the sales process. The structure of this transaction appears to involve separate parties ( sales, installation, and financing ), making it difficult to resolve responsibility. Basis of Complaint I believe I was induced into this agreement based on : Material misrepresentation of expected savings and performance Failure to deliver promised services and outcomes Lack of transparency in loan structuring and included amounts Potential deceptive sales practices Additional Information Property Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Loan Provider : GoodLeap XXXX XXXX XXXX XXXX : XXXX XXXX XXXX / XXXX XXXX ( as applicable ) Date of Transaction : XX/XX/year> 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I'm trying to dispute the {$1.00} charge on my credit card ending in XXXX! Why do I need to call when you usually let me fill out the dispute on the app. The chicken sandwich wasn't cooked right and was much smaller than advertised. I made this clear to XXXX on their app when giving feedback but nothing! All this happened on XXXX26. I want a credit of {$1.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
I am formally disputing a collection account listed on my credit report associated with XXXX XXXX XXXX XXXX in the amount of {$1000.00}. The account details are inconsistent and appear inaccurate for the following reasons : The high balance is listed as {$600.00}, yet the current balance and past due amount are reported as {$1000.00}, which is contradictory and raises concerns about the accuracy of the reporting. The account is marked as Placed for Collection, however, I have not received proper validation of this debt, nor documentation showing how this balance was calculated. The date updated ( XX/XX/2026 ) reflects recent activity, yet I have not been provided notice of any new charges or adjustments that justify the increased balance. This account may be related to a prior housing situation involving XXXX XXXX XXXX XXXX, where there were ongoing legal and tenancy disputes, including issues that may affect the legitimacy of this claimed debt. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : Full validation of this debt, including a detailed accounting of charges. Documentation proving I am legally obligated to pay this amount. Verification that the reported balance is accurate and consistent. Immediate correction or deletion of this account if it can not be properly validated. If this account can not be verified with complete and accurate documentation, I request that it be removed from my credit report immediately. Additionally, please investigate whether this account has been reported in compliance with all applicable federal laws. I expect a timely response and resolution to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against my mortgage company, Midland Mortgage, regarding a COVID-related payment plan. During the pandemic, they offered me a temporary forbearance plan, and one of the key questions I asked at the time was whether, once the plan ended, my payments could be lowered. I was assured that this would be considered. However, once my forbearance plan ended, Midland denied me a modification and instead raised my payments to an amount that is no longer affordable for me. I have attached any supporting correspondence I have, and I request that the CFPB investigate this matter. I am seeking a fair adjustment of my payment terms. Thank you for your assistance. Sincerely, 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 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The company is violating my rights they have not provided information Under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report affecting my credit making it hard for me to do live and do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: KY

Complaint narrative:
It says account opened on XX/XX/2022 its the XXXX XXXX XXXX and I never opened any accounts with them as a matter of fact at that time I was living 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 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: AR

Complaint narrative:
Company : Wise Payments Limited My name is XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I was defrauded into sending a total of {$67000.00} via Wise in XXXX separate transfers to XXXX XXXX XXXX, XXXX Bank XXXX XXXX, account # XXXX. This was a pig butchering romance scam I was contacted via a dating app and moved to XXXX, where unknown subjects promised a net return of {$1.00} XXXX in exchange for the transfers. The XXXX transfers were : XX/XX/XXXX {$12000.00} ( Transfer # XXXX, banking ref XXXX ) XX/XX/XXXX {$30000.00} ( Transfer # XXXX ) XX/XX/XXXX {$25000.00} ( Transfer # XXXX, banking ref XXXX ) The third transfer of {$25000.00} was funded by a loan I was persuaded to take against my vehicle. All three transfers were delivered via XXXX through XXXX XXXX ( XXXX ) to the same recipient account. Evidence of account compromise : The recipient profile for XXXX XXXX XXXX contains MY home address ( XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ) and MY email address ( XXXX ). A legitimate third-party recipient in XXXX, XXXX would not have my personal information in their profile. This is definitive proof that the sender account was accessed or manipulated by the scammers. Wise has violated Regulation E of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) by : Failing to investigate my fraud report within the required XXXX business days Failing to issue provisional credit during the investigation period Failing to detect obvious signs of fraud across XXXX transfers over 9 months including the recipient 's profile containing the sender 's own address and email Failing to flag escalating transfer amounts ( $ XXXX $ XXXX $ XXXX ) to a high-risk destination ( XXXX ) XXXX suspicious activity. I have filed the following reports : XXXX XXXX Police Department, Case # XXXX ( filed XX/XX/XXXX ) FBI XXXX complaint ( filed ) FBI XXXX XXXX XXXX XXXX ( contacted ) I am requesting the CFPB compel Wise to : ( a ) conduct a proper investigation, ( b ) issue a full refund of {$67000.00}, and ( c ) provide complete transaction records including IP addresses, device fingerprints, and login timestamps for both the sender and recipient accounts across all three transfers. Desired resolution : Full refund of {$67000.00} + complete transaction records. Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
They won't show how they verified the verification of this account nor send me the proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Improper handling and refusal to respond to prior CFPB complaint I am filing this complaint regarding the improper handling and refusal to respond to a prior CFPB complaint submitted against Experian Information Solutions , Inc. and XXXX XXXX XXXX XXXX XXXX ( CFPB Case No. XXXX ). In that complaint, I disputed the accuracy and validity of a reported repossession deficiency balance and provided detailed documentation of XXXX XXXX reporting inconsistencies, contradictory account status, and lack of validation. Within only XXXX days, the company responded by labeling the matter as potential fraud and refusing to address the substance of the complaint. At no point did I allege fraud or identity theft. This reclassification is unsupported and appears to have been used as a procedural mechanism to avoid responding through the CFPB process. The companys actions Experian or XXXX XXXX XXXX XXXX a failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act XXXX ( b ) and XXXX. A proper investigation into a repossession deficiency balanceincluding review of sale proceeds, fees, and calculation of the alleged balancecannot be completed within XXXX days. This strongly indicates that no substantive review occurred. Additionally, the continued reporting of this unverifiable and internally inconsistent tradeline raises concerns under XXXX XXXX XXXX XXXX for misrepresenting the character, amount, and legal status of a debt. I am requesting that the CFPB require both Experian and XXXX XXXX XXXX to provide a substantive response addressing the specific inaccuracies and validation failures previously raised. If they are unable to produce competent documentation supporting the accuracy and enforceability of the reported deficiency balance, the tradeline must be deleted. The use of an unsupported fraud designation to avoid regulatory review should not be permitted to bypass compliance obligations.

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 2026-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
XXXX. MANY CALLS RECORDED BY THE BANK. XXXX. MANY EMAIL IN THE ONLINE WEBSITE. XXXX. MANY TIMES IN PERSON IN THE BANK ( ALSO DATES AND ALL ) XXXX. MANY TIMES TALK TO THE XXXX OF THE BANK IN XXXX XXXX XXXX. FORMAL COMPLAINT WITH THE BANK AND INVESTIOGATION END SAYING THAT THE BANK INSURANCE IS CHARGING XXXX ( BY LAW ONLY ONE INSURANCE IS PAID FOR THE SERVICES NOT LEGAL HAVING 2 INSURANCE COVEREGE FOR THE SAME CAR. SO MANY TIME I HAVE TO LOSE JOB TIME OF TMY BUSSY DENTAL OFFICE TO GO TO THE BANK PERSONALY ; LACK OF COMMUNICATION BETWEEN THE BANK AND EMPLOYES XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am disputing multiple unauthorized debit card transactions that occurred after I left the United States. I entered XXXX on XX/XX/scrub>XXXX XXXX 2025, as shown by my passport entry stamp. From that date forward, I was physically outside of the United States. However, my Bank of America statements show numerous in-person debit card transactions occurring in South Carolina on and after XXXX XXXX, 2025, including purchases at gas stations, retail stores, and restaurants in XXXX, SC. These transactions are not online or recurring chargesthey are physical point-of-sale transactions that would require my card to be present in the United States. It is therefore physically impossible for me to have made these transactions. I previously reported these transactions to Bank of America. The bank conducted an investigation and concluded that the transactions were authorized and made by me. I strongly dispute this conclusion. The banks determination does not take into account clear evidence that I was outside of the country at the time, making these transactions impossible. This indicates that my debit card information was compromised and used fraudulently, and that the initial investigation was inadequate. I am requesting : 1. A full and proper reinvestigation of these transactions 2. Immediate reimbursement of all fraudulent charges 3. A detailed explanation of how these transactions were determined to be authorized despite clear conflicting evidence I can provide supporting documentation, including my passport entry stamp and account statements, which confirm that I was outside the United States at the time of these transactions.

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 monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I got a fraud text. With a number to call, saying it was First Hawaiian Bank XXXX Department, I called that number. Supposedly, a fraud expert helped me through the process, which I found out later was a fraud guy. In the process, he had me transfer money, saying it was going to be refreshed back into my account, and that never happened.So I called my bank and made a complaint, and they investigated it and denied my claim for {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
This complaint is NOT about credit reporting. This is a mortgage servicing issue involving unauthorized entry into an occupied property during the foreclosure process. I am the homeowner of the property located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. My mortgage is serviced by XXXX XXXX. I have repeatedly informed XXXX XXXX that the home is occupied. On XX/XX/year>, a contractor acting on behalf of XXXX XXXX entered my home without permission, changed the locks, and performed winterization procedures. At the time, the home was clearly occupied, with food, clothing, working utilities, and recent receipts present. After regaining access, it was discovered that toilets had been drained and are now not functioning properly. Cabinets were opened, blinds were left open, and lights were left on. These actions interfered with the use of the home and created unsafe and disruptive living conditions. I contacted XXXX XXXX to report the issue and request repairs. I was told they would not send a contractor back to fix the damage and that they had a right to perform these actions because they have an interest in the property. This is unacceptable, as I still own the home and it remains occupied. I am requesting the following : Immediate repair of all plumbing issues, including toilets A written explanation of why an occupied home was treated as vacant Assurance that no further unauthorized entry or lock changes will occur Compensation for damages and disruption caused I attempted to resolve this directly with XXXX XXXX but have not received a satisfactory response.

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 2026-04-19 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: Affirm Holdings, Inc
State: UT

Complaint narrative:
I've been trying to fix this problem with affirm that keeps blaming this all on both me and XXXX as well as saying they have 10 business days to fix this problem and are trying to bill me for {$180.00} for something that was returned and they got all of the money back for. They also refuse to let me close my account over their lies so they can leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a XXXX account that was in good standing. Without notice or permission, it was changed to a Capital One card. I do not receive any confirmed correspondence.I have been victimized by attempted identity theft in the past, and am not in the habit of opening unknown emails from sources that claim they are referring to accounts I do not have, for fear of phishing. I attempted to dispute the account switch with Capital One, but they threatened to ruin my credit ( which they attempted to do ) if I did not pay late fees- for an account I was unaware that I even had. I gave up and paid the account in an attempt to save my credit, and have been at a {$0.00} balance ever since. I was unaware that Capital filed negative information on my account and I want it removed from my report. XXXX supposedly investigated this, but listed it as verified because Capital One " said it was valid '' without providing ANY information or proof that I had applied for the new account ( which I clearly did not ). I can not attach documents, since none exist

Company response to consumer: Closed with explanation