vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a solar loan serviced by GoodLeap connected to a system installed by XXXX XXXX. The loan and system were sold together based on representations that were not accurate or fully disclosed. 

At origination, the initial monthly payment was presented as affordable, but I was not clearly informed that it was tied to a temporary promotional period that would later result in a substantial increase. The repayment structure and long-term obligation were not adequately explained, and the initial payment was misrepresented. 

The solar system was also represented as being designed to meet my energy production needs. After repeated requests, XXXX provided a multi-year production report confirming the system underproduced during portions of the period. XXXX acknowledged delays in providing this information and offered a nominal settlement, which I declined. The underproduction confirms the system was not properly designed or sized as represented. 

I am now required to make increased loan payments for a system that does not meet my production needs and was financed under inadequately disclosed terms. I am requesting CFPB assistance and appropriate relief, including release from the loan contract, or other remedies deemed appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
Amsher us fraudlently trying to collect a debt for a modem that was returned to XXXX. Cease and desist collection attempts and remove from my credit report no later than XXXX XXXX. I will be filing a lawsuit against amsher and XXXX if false credit reporting does not immediately cease. I do not own any debt. The modem has been delivered. Proof od delivery has been attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: CA

Complaint narrative:
I am a consumer who is actively reviewing my Experian credit report and disputing information that appears to be inaccurate, incomplete, or can not be properly verified. 

Charged-Off Accounts The following charged-off accounts are being reported on my Experian credit file. I dispute the accuracy and completeness of these accounts, including but not limited to the reported balances, account status, and the legitimacy of the collection reporting. I do not recall receiving proper validation or documentation supporting these debts, and the information provided does not appear to meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

XXXXXXXX XXXX XXXX  Acct # XXXX ( Opened XX/XX/XXXX, Balance {$100000.00} ) XXXXXXXX XXXX XXXX Acct # XXXX ( Opened XX/XX/XXXX, Balance {$8600.00} ) Credit Inquiries I am also disputing the following inquiries appearing on my Experian report. I do not recall authorizing these inquiries, nor have I been provided documentation showing permissible purpose under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Flexible Finance, Inc.
State: OH

Complaint narrative:
I do not owe a balance to Flex. 
Flex debited funds from my bank account after the payment card on file had been deleted and a stop payment was placed. I possess documentation supporting that the card was canceled and removed from Flexs system more than 14 days prior to the debit. 
My bank has confirmed the following : A stop payment was placed on Flex The payment card was canceled Despite these actions, Flex processed the debit by using a different variation of the payment credentials, bypassing the stop payment This constitutes an unauthorized electronic fund transfer. 
Applicable Legal Violations Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and its implementing regulation, Regulation E ( 12 C.F.R. 1005 ) : An electronic fund transfer is unauthorized if it is initiated without the consumers actual authority or after authorization has been revoked ( 15 U.S.C. 1693a ( 12 ) ; 12 C.F.R. 1005.2 ( m ) ).

Consumers may revoke authorization at any time by canceling the payment method or issuing a stop payment ( 12 C.F.R. 1005.10 ( c ) ). 
Any debit processed after authorization is revoked is unlawful ( 12 C.F.R. 1005.11 ).

Additionally, under NACHA Operating Rules, which govern ACH and electronic debits : Originators are prohibited from attempting to evade a stop payment by altering transaction descriptors or payment data. 
Reinitiating a debit using a modified authorization or payment variation after revocation is considered a deceptive and prohibited practice.

Flexs actions appear to violate these federal protections and industry standards. 

Resulting Harm As a direct result of Flexs unauthorized debit : My bank account was forced into a negative balance I was required to cancel my card and obtain a replacement I experienced financial loss, disruption of access to funds, and undue stress Flex was unable to process further charges due to the canceled card, confirming that no active authorization exists At no point after the unauthorized debit did I grant approval for additional transactions. Therefore, no valid balance exists.

Additional Concerns Proof exists within Flexs system that the card was canceled Flex lacks a customer facing phone number, limiting reasonable and timley dispute resolution Continued attempts to collect a nonexistent balance may constitute unfair or deceptive acts or practices ( UDAP/UDAAP ) under consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NV

Complaint narrative:
I made multiple debit card payments totaling {$1300.00} for housing placement services. The services were not rendered. I requested landlord contact information and copies of completed paperwork, which were not provided. I contacted chime to dispute the charges, but chime refused to open a dispute or chargeback. I am requesting assistance enforcing debit card dispute protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Since Friday, XX/XX/year>, I have made repeated, good-faith attempts to transfer my own money from my Chase checking account to my XXXX accountan account that is properly linked, verified, and owned by me. These attempts have involved both small and larger dollar amounts. Each attempt has been intentionally blocked by Chase without explanation, without documented justification, and without any legitimate financial or fraud-based basis.

The funds at issue are derived from a cleared direct deposit and are fully settled and available within my Chase account. There is no dispute as to ownership, source of funds, or account verification. Despite this, Chase has willfully restricted my access to my own money, effectively placing my personal finances in limbo.

I have contacted Chase repeatedly in an effort to resolve this matter. Each interaction has resulted in vague references to review, with no substantive explanation, no lawful basis provided, and no timeline for resolution. No representative has been ableor willingto restore access to my funds. This pattern of conduct demonstrates a disregard for Chases obligations to its depositors and raises serious concerns about whether the bank is acting in the best interests of its customers, as required under federal consumer protection standards. 
For an individual consumer, access to deposited funds is not a convenienceit is a necessity. Blocking legitimate transfers without cause interferes with my ability to meet basic financial obligations and creates avoidable financial and emotional distress. Consumers should not be forced to repeatedly plead for access to their own money after deposits have cleared and ownership is undisputed. 
At present, a transfer in the amount of {$1400.00} remains pending under review, without justification. The prolonged and unexplained restriction of these funds constitutes an unreasonable, unnecessary, and potentially unfair practice that deprives me of the use of my own property. 
I am submitting this complaint because Chases conduct reflects a broader issue of consumer harm : the unilateral freezing of legitimate transactions, the absence of transparency, and the failure to provide timely access to deposited funds. No consumer should be placed in this position, and no financial institution should be permitted to operate without accountability when it exercises control over a depositors money in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation
State: SC

Complaint narrative:
There is an account on my credit report that is not mine and I do not know who opened it from World Finance account # XXXXXXXX XXXX XXXX XXXX XXXX balance {$930.00} and it was opened XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I closed my XXXXXXXX XXXX XXXX account and entered into a hardship repayment agreement with Continental Finance. On XX/XX/XXXX, I received written confirmation of the agreement. The terms clearly state a 5 % interest rate, * * no late fees * *, and * * no monthly maintenance fees * *. 

Despite this agreement, my XXXX statement included a {$41.00} late fee, a XXXX XXXX  monthly maintenance fee, and {$18.00} in interestreflecting a 35.90 % interest rate instead of the agreed 5 %. I made the required payment of {$21.00} on XX/XX/XXXX. 

I contacted Continental Finance and was told the late fee would be refunded and the issue would be sent to their back office. Only the {$10.00} fee was refunded ; the incorrect interest and late fee remained. When I called again, I was told the account would not be updated until after three payments, which contradicts the written agreement. 

I made the XXXX payment of {$21.00}, but the XXXX statement again showed a {$41.00} late fee, a $ 10 monthly fee, and {$18.00} in interest at 35.90 %. Each time I called, I was told another report would be sent to the back office and that the account would be corrected within 48 hours. No corrections were made. 

On XX/XX/XXXX, Continental Finance reported the account as * * delinquent * *, significantly damaging my credit score, even though I am in a repayment plan and have made all payments on time. On the same day, I closed a second account and entered the same hardship agreement. That account was updated correctly and is being handled according to the agreed terms. Only the XXXX account is not being honored. 

Continental Finances phone system frequently disconnects because the account is closed, making it extremely difficult to reach a representative. When I do reach someone, I receive inconsistent and inaccurate information, and no action is taken to correct the account.

Their failure to follow the written agreement and their inaccurate credit reporting have caused financial harm and unnecessary 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 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX regarding an unlawful and unenforceable motor vehicle deficiency balance arising from a repossession. 
XXXX XXXX XXXX XXXX claims a deficiency following the repossession and sale of my vehicle but has failed to comply with Article 9 of the Pennsylvania Uniform Commercial Code, including 13 Pa.C.S. 9610, 9614, 9615, and 9626. Specifically, the company failed to provide evidence of a commercially reasonable disposition, failed to demonstrate proper pre disposition notice, and provided an inadequate and misleading explanation of the alleged deficiency. Despite these statutory failures, XXXX XXXX continues to attempt collection and to furnish credit reporting reflecting a balance due. This constitutes a false representation of the legal status and amount of the debt and an attempt to collect amounts not permitted by law, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ). XXXX XXXX conduct has caused ongoing financial harm by damaging my credit profile and subjecting me to improper collection pressure for a debt that is presumed to be XXXX under Pennsylvania law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCA PSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 explanation
Consumer complaint received 2026-01-26 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-01-26 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Aqua Finance, Inc.
State: VA

Complaint narrative:
My vehicle was totaled on XX/XX/year>. I have payoff protection ( i.e. XX/XX/XXXX) coverage Aqua Finance has failed to rectify the terms of that contract because they just purchased the loan. I've been told I'm not the only one having this same issue. XXXX XXXX paid fair market value for my camper in XXXX. I have contacted Aqua Finance numerous occasions to rectify the situation only to be told that their legal team is looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
I send both mail and email to collection agency at XXXX XXXX XXXX a written request on proof of when I owe the auto loan and whom. As of today XX/XX/year>, I haven't received any email back or mail back in regard to it and they still kept on calling and texting me.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I called in XXXX and paid my balance in full. Account is closed. 
They are still charging me interest. 
And said it was based on billing cycle. 
The way it works it will never end.

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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding a serious privacy and data security issue with Midland Credit Managements online account system. 

On XX/XX/year>, I attempted to log into my Midland Credit Management account using my own personal identifying information, including my name, date of birth, last XXXX digits of my Social Security number, and my personal email address. Instead of accessing my own account, Midland Credit Managements system authenticated me into a completely different consumers account. 

Once logged in, I was able to view another individuals non-public personal and financial information, including their account balance, home address, and detailed payment history. This access occurred without any authorization from that consumer and without my intent to access anyone elses account. 

I did not attempt to bypass security controls, guess credentials, or access information improperly. Midland Credit Managements system allowed this access using my own personal information. 

I contacted Midland Credit Management by phone to report this issue. I was told that they had never seen this issue before and was advised to attempt logging in using an account number instead. I am concerned that this response does not adequately address the unauthorized disclosure of another consumers private financial information. 

This incident indicates a failure by Midland Credit Management to properly safeguard sensitive consumer data and raises serious concerns regarding compliance with federal and California consumer protection and data privacy laws. 

I am requesting that the CFPB investigate this matter, require Midland Credit Management to correct any system failures, and ensure that consumer data is adequately protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
In XX/XX/2025, PayPal reversed multiple completed transactions totaling approximately {$500.00} from my account. These reversals were identified only as dispute reversals, and no specific explanation, documentation, or justification was provided at the time of the action. 

At the time, I maintained XXXX separate PayPal accounts, and transactions were processed across both accounts. I was not notified that this account structure could result in transaction reversals, fees, or penalties, nor was I given any warning or opportunity to address any alleged issue before the funds were removed. 

I did not initiate any disputes, chargebacks, or reversals related to these transactions. Following the reversals, PayPal assessed fees and negatively affected my account balance. I have not taken further action since the reversals occurred, and the issue remains unresolved. 

I am requesting that PayPal correct the account records, reverse all associated fees, and provide appropriate compensation for the improperly reversed transactions.

Company response to consumer: Closed with explanation