vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 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:
In XX/XX/year> I entered into a contract with XXXX XXXX to install a residential solar system at my home. The system was financed through a loan provided by GoodLeap. The total financed cost of the system was approximately {$48000.00} for a XXXXXXXX XXXX system consisting of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the sales process I was told that nearby trees would not significantly impact system performance and that the solar installation would produce substantial savings relative to my electricity costs. The sales presentation emphasized that electricity prices would continue to rise and suggested that installing solar would provide a meaningful financial benefit compared to continuing to purchase electricity from my utility. However, my experience since installation has been very different from what was represented during the sales process. My solar loan payment is approximately {$200.00} per month, yet my electricity bills have only decreased by a small amount. As a result, the system has not provided the financial benefit that was represented when the loan and installation were sold to me. According to monitoring data from the XXXX XXXX installed with the panels, the system has produced approximately XXXX XXXX of electricity since installation. Based on typical production expectations for a XXXX XXXX system in XXXX XXXX, I have concerns that the system may be underperforming. Additionally, the sales process did not adequately explain the solar credit structure of my municipal utility provider, XXXX XXXX XXXX. This utility credits exported solar energy at a much lower rate than the retail electricity rate, which significantly limits the financial value of solar generation. This information was not clearly disclosed during the sales process and materially affects the financial outcome of the system. Because the loan was directly tied to the installation and sales process, I believe the financing was based on misleading assumptions about the systems financial benefits. I have requested documentation from the installer regarding the original production estimates and shade analysis used when the system was sold to me. I am requesting assistance from the Consumer Financial Protection Bureau because the financing arrangement is tied to a solar system whose performance and financial expectations may have been misrepresented during the sales process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My XXXX account was hacked via PayPal. I did not auhorize he payment. XXXX refunded my money and closed the account. PayPal says I still owe them over {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing the following charged-off accounts that are inaccurately reported on my credit report with Equifax. Please investigate the following accounts and remove or correct the erroneous information : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Kashia Services
State: CA

Complaint narrative:
I signed up for a loan with XXXX XXXX amd they were supposed to take my loan out every other XXXX the way I get paid. XXXX lending decided to request payment the XXXX before so the payment wouldnt go thu amd they would charge me more. When the payment did go thru they would take large amounts of money although my contract is for XXXX a payment. I asked for them to dispute it they denied me. Yesterday XX/XX/XXXX I tried to pay online and the make payment option wasnt working but all of the other options were. This morning I called them and asked to speak to someone who can fix it, they rudely told me I can only pay on the phone and hung up in my face. I refuse to pay on the phone with them because they were stealing money out my account. I cant send a money order because they said the check has to be in their possession the day my fee is due. I believe they are illegally charging me daily late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by National Credit Systems related to a prior apartment lease. I moved out of the property in XXXX. After moving out, the property retained my security deposit. However, I never received an itemized move-out statement or written notice explaining any damages, charges, or how the remaining balance was calculated. In XX/XX/2023, a collection account for approximately {$3700.00} suddenly appeared on my credit reports from National Credit Systems. This was the first time I became aware of this alleged balance. Since then, I have disputed the account multiple times with the credit bureaus requesting verification of the balance and supporting documentation. Each time the account has been verified, but no documentation has ever been provided to me showing how the balance was calculated. Because the property retained my security deposit and I never received an itemized accounting of charges, I believe the amount being reported may be inaccurate. Additionally, the account appears to be reporting incorrect responsibility information by listing the account as a joint obligation with another individual who was only listed on the lease for income qualification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-03-05 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: TN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year>, I submitted a fraud claim to Navy Federal Credit Union regarding a charge of {$4400.00} from XXXX on my credit card ending in XXXX. The basis of my claim is simple and absolute : I never received the physical credit card for this account, so it would have been impossible for me to make or authorize this transaction. The card or its information was compromised before it ever reached me. On XX/XX/year>, Navy Federal denied my claim, stating that their investigation found " no error has occurred. '' They provided a list of seven questions for me to answer in order to appeal. On the same day, XX/XX/year>, I submitted a detailed written appeal, answering all seven questions. I reiterated that I never had possession of the card, did not authorize the charge, and received no merchandise or services from the transaction. The charge is, by definition, fraudulent. On XX/XX/year>, Navy Federal sent a message acknowledging my appeal. However, they stated there is " no specific timeframe '' for a resolution and that " a provisional credit is not issued during the appeal process. '' Following this inadequate response, I sent another message requesting a specific timeline for the investigation. Navy Federal has failed to respond to this message for over 10 business days. Navy Federal has failed at every step : they denied a valid fraud claim without proper investigation, and upon appeal, they have refused to provide a timeline or issue a provisional credit for a large, undisputed fraudulent charge. They are now ignoring my attempts to follow up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Issue Type : Credit card billing dispute not properly resolved Company : Barclays Bank Delaware I am filing this complaint under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). I disputed a {$1400.00} charge from XXXX XXXX for failure to deliver the contracted service. Barclays initially issued a provisional credit, then reversed it after accepting the merchants explanation that I cancelled too late. This is incorrect. XXXX own documentation states they send the rental voucher 48 hours before pickup. Our rental began XX/XX/XXXX. The voucher was not sent until XX/XX/XXXX, after the rental start time had passed. The voucher contains the rental supplier name and pickup location. Without it, we did not know where to retrieve the vehicle. It was impossible to perform under the contract. This is not a late cancellation issue. This is non-delivery of a prepaid service. Under 15 U.S.C. 1666 ( b ) ( 3 ), a billing error includes charges for goods or services not delivered as agreed. Barclays failed to properly apply this standard and instead accepted the merchants mischaracterization of the dispute.

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Deposited check in the branch, they tell me theres a 5 day hold for my protection bc the writer of the check has a bad history of writing bad checks. Talk to the check writer and several others whom cash those same checks and have no hold through the same bank. I call to inquire and they said they just do it when they do it and cant tell me why. I cant afford that and only opened this account because it said immediate clearing of checks before XXXX. So now if I close this account its going to hurt my credit score, but I can not operate a business when theyre holding my money for 5 days for not apparent reason

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 2026-03-05 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: MI

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One Bank was included in my XXXX XXXX Bankruptcy, which was opened on XX/XX/year>, closed on XX/XX/year>, and refuses to remove all negative information and refuses to recognize the XXXX XXXX XXXXischarge. Further, ( See Attached ), Capital One account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX is a nearly seven-year-old account that has used XXXX XXXX, XXXX XXXX, and XXXX XXXX to make over eight different claims, under eight different reference numbers, all indicated under the same bankruptcy. Further, the claim amounts total over {$5300.00}, yet my XXXX report shows {$1800.00}. Further, Capital One made all of the claims under an understood Oath, filed with the judiciary as factual, real claims. All of this is documented and official XXXX evidence. Capital One, in the face of all of this, continues to report a negative account on my XXXX Report, causing additional credit harm, and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
I called Zwicker & Associates shortly after XXXX XXXX to make a {$750.00} payment to cover XXXX & XXXX. I made the payment and specifically asked XXXX XXXX to make sure that Zwicker did not try to take money out of my checking account since I had just made a double payment. He said they would not. Then on XX/XX/XXXX they tried, unsuccessfully, to draft my checking account for {$370.00} after I specifically asked them not to. This resulted in overdraft fees that I had to pay due to their mistake. When I first entered into my payment agreement with them I was told I would make XXXX payments of {$370.00} to settle the debt. When I call them to discuss my account they tell me that I owe them {$12000.00}. That is far more than the payment arrangement that we initially agreed to. They are trying to get me to pay more money that our agreed upon settlement. That is not fair to me and is dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On Tuesday, XX/XX/year>, I reached out to a laser hair removal company to schedule services. I was then contacted by a merchant representative from XXXX who discussed payment options for services over the phone. At no point did she disclose that I would be signing up for a third-party loan through Synchrony Bank/CareCredit . She made it sound as though I would be paying the merchant directly for my sessions. Without clear disclosure of the loan terms, I submitted what I believed was a payment arrangement, and a CareCredit account was automatically opened in my name. I was not informed of the interest rate, repayment terms, or that I was entering into a credit agreement, which is required under the Truth in Lending Act ( TILA ). This entire conversation took place over the phone and once I let the merchant know that I was unaware this was a loan, the representative became defensive and rude and told me I could not cancel and had to move forward. I then contacted Synchrony Bank/CareCredit directly , filed a dispute, and had the account closed. I am filing this complaint to document the merchants deceptive enrollment practices and lack of required financial disclosures.

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 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
My mortgage company " XXXX '' uses a loan servicing company called " BSI Financial Services '' that purposely uses inaccurate information on their loan servicing portal so that you miss your payment and have to pay a large 10 % of the mortgage fee. Here is their website- XXXX XXXX XXXXXXXX They purposely show that a payment of {$0.00} is due all the way up until exactly the 1st of the month. Then list the amount owed on the 1st of the month and charge you a late fee if it's not submitted by the 5th or often the 3rd of the month if the 5th falls on a weekend. Many times, even when I check how much my payment is on the 1st it will say {$0.00} and not allow me to make a payment. I have had to submit my monthly payment as a " principal '' payment to force my payment into the system. They do this because they want you to miss your payment. Even when I'm enrolled in auto-pay the portal does not accurately show that I have a payment scheduled within the deadline. I'm very reliable at making payments and have never experienced a more unethical financial system. I'm very convinced they do this on purpose to generate late fees. In the last I've had over 5 late fees ( $ XXXX ) and have successfully received credit for 3 of those fees but not the others. Their system is criminal and they need to be audited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accounts Recovery Agency Inc.
State: MD

Complaint narrative:
I am writing to formally file a complaint regarding a call I received on XX/XX/year> from the number XXXX, identified as Accounts Recovery. During this call, an individual claiming to be a representative of your company accused me of owing a debt and attempted to gather my personal information. I found this interaction to be unprofessional and concerning, especially as I was not provided with any verifiable information about the debt in question. Additionally, I did not authorize or consent to sharing my personal details with this caller. I request that you investigate this matter promptly and ensure that such incidents do not recur. Please confirm that no further attempts will be made to contact me regarding this matter without proper verification and appropriate communication channels. Thank you for your attention to this issue. I look forward to your prompt response.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lloyd & McDaniel, PLC
State: MI

Complaint narrative:
Never got anything in the mail from XXXX XXXX XXXX and got called at work which goes through a few departments to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Hello M & T bank, I opened my checking acount on XX/XX/XXXX, and since XX/XX/XXXX my access to the online banking was XXXX, from the callcenter they said just " go to your branch '', I live in XXXX and opened this account with my chilean passport being non resident alien. So I need to know if my account remains active or was closed, and if is the case I need my remaing balance, on that date it was aroumd {$470.00} on a cashier check send to my mailling address on file.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: AL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 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 2026-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I dont have access to online app so I cant see transactions the customer service said they did not have time to send the email with the information when I asked them to send it while I was still on the phone they also mentioned that my email was changed without my permission its difficult to get information from them XXXX is operated by XXXX XXXX

Company response to consumer: Closed with explanation