vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding a {$150.00} charge that was processed on my account despite prior communication indicating that this charge should not occur. Before the charge was made, I contacted the company and was clearly informed that the {$150.00} should not be charged and that the merchant did not have the right to process this charge. I relied on this information. However, the charge was still processed. I immediately disputed the transaction and requested a proper investigation, including an explanation of how the charge was authorized despite the prior confirmation I received. The company failed to properly investigate my claim and denied my dispute without providing a clear or reasonable explanation. They did not address the prior communication or explain why the charge was allowed to go through. I requested detailed information about the authorization of this transaction and the basis for denying my dispute, but I did not receive a sufficient response. This situation demonstrates a failure to protect me as a customer and a failure to follow proper dispute resolution procedures. I am requesting a full refund of the {$150.00} charge and a proper review of how this transaction was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I entered into a solar loan agreement in the amount of approximately {$45000.00} through GoodLeap ( formerly Loanpal ) for a residential solar system installed by XXXX XXXX XXXX. During the sales process, I was led to believe that the solar system would significantly reduce my electric bill, with representations that it could be reduced by approximately 90 %. This expectation was a primary factor in my decision to proceed with the loan. After installation, my electric bills did not decrease anywhere near the level represented. I have continued to pay both a monthly solar loan and ongoing electric bills. On XX/XX/XXXX, XXXX XXXX XXXX filed for XXXX XXXX bankruptcy and is no longer available to provide service or support for the system. In XX/XX/XXXX, my XXXX monitoring system indicated that the solar system stopped communicating and is currently producing no energy. As a result, I am making payments on a system that is not operational. I have attempted to resolve this issue directly with GoodLeap by phone and through written communication, including a formal request for hardship assistance and escalation review. As of this complaint, I have not received a resolution. Given these circumstances, I am requesting : Temporary suspension of loan payments while the issue is investigated Assistance in coordinating repair or restoration of the system A hardship review of the loan Consideration of mediation, loan adjustment, or settlement This situation has created financial hardship, and I am seeking a fair resolution, including consideration of a hardship-based settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a call from XXXX. A male voice sounded from XXXX, stated he was from CapitalOne and wanted my XXXX digit card number. He also stated there was pending charges on my card from Texas. The amount ( XXXX ) was {$200.00}, {$600.00} and {$400.00} from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I attempted to file my federal tax return, but it was rejected because a return had already been filed using my Social Security number. I did not file a prior return and did not authorize anyone to do so on my behalf. After discovering this, I reviewed my financial accounts and noticed suspicious activity that I do not recognize. On XX/XX/XXXX, I contacted the company to report the issue and began the dispute process. On XX/XX/XXXX, I completed an identity theft affidavit and took steps to secure my personal information. I also attempted to resolve the issue by notifying the appropriate parties and requesting an investigation into the fraudulent activity. As of now, the issue remains unresolved, and I am requesting that the fraudulent activity be investigated and removed. I am also requesting confirmation once the matter has been fully resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
DEBT REC SOL is falsely reporting on my credit. I have never had any accounts with them. Per my research DEBT REC SOL 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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FLAGSHIP FINANCIAL GROUP LLC
State: FL

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2026-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
In XX/XX/XXXX, I purchased furniture from XXXX XXXX and financed the purchase through Synchrony Bank under a 36-month promotional financing agreement. The terms included deferred interest, where no interest would be charged if the balance was paid within the promotional period ( 24 months ). As of XX/XX/XXXX, my remaining balance was {$1500.00}. However, during that same time, my checking account was frozen due to confirmed fraudulent activity. This prevented me from completing the payoff within the promotional period. After resolving the banking issue and attempting to resume payments, I encountered additional problems with setting up autopay through my new account. Despite communicating with Synchrony Bank regarding these circumstances, I was informed that no accommodations would be made because advance notice was not provided. As a result, approximately {$2000.00} in deferred interest was added to my account, increasing the balance to approximately {$3500.00}. This increase is significant and does not reflect my intent or effort to pay off the balance within the promotional period. I have since paid the remaining principal balance in good faith and am requesting a reasonable adjustment due to the documented fraud-related hardship and payment disruption.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
For my Macys credit card, the minimum payment is much higher than it was previously, which doesn't make sense, because the available balance has increased significantly. When I inquired about this, they stated it was because of the late payment decreasing the available balance ; however, the available balance was still much higher than it was before, even with the late payment going through. Also, for a purchase made with XXXX XXXX XXXX, they claimed a XXXX XXXX credit card was used ; however, on the invoice it states that XXXX connect was used for this purchase. My XXXX XXXX credit card is not connected with XXXX. I also remember using my XXXX credit card. I believe someone pocketed my money. I have all the emails and statements to verify this. Thank you for your assistance in this matter!

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I added my husband 's new XXXX account with email address XXXX and tried sending {$1700.00} ( XXXX allowed {$2000.00} ) to him around XX/XX/year>, but Flagstar Bank blocked the transaction calling it a fraud. We have been with Flagstar for several years with over {$360000.00} in the accounts. I called them to resolve the issue and was super frustrated with their customer service representative as she was not helpful at all. It's a joint account with my husband and either one of us can call and get the accounts issues resolved. They make is extremely difficult to withdraw the funds when urgently needed.

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 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
A dispute was submitted for this account requesting that the account be validated. {$3100.00}. The account does not have any information as to where it originated from and it is being documented as if it was recently opened. LVNV was disputed via XXXX and came back validated but have failed to provide proof of how this information was validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
* I opened a new eTrade savings account and deposited money from two old, fully legal savings/ checkings accounts I've had open for over years. * They immediately froze all my funds and my account and won't give me any information as to why -- my eTrade account has been open with all my personally identifying information provided and they've frozen it for 'account identity verification purposes ' * They're now refusing to allow any transfers out -- they're holding over XXXX XXXXXXXX in funds hostage -- and refuse any transparency on where my file is in the review process. They initially told me to upload documents to a random portal that would be 'reviewed ' and said 2 business days, then it was 3, then I called on such days and was told " by end of week ''. Who even knows if they're saying the truth? * This has never happened to me at any other bank before, this is ridiculous. They have XXXX transparency on the review process -- the customer service line won't even synchronously review it with me on the line -- they said just asynchronously I am forced to call back, or it's locked forever. This is ridiculous. Many people may not have the time to call back so many times. Why is the onus on the customer with frozen funds to keep calling back and unfreeze them? Why is there no transparency? Why can the representative not verify me with the documents on the spot as other banks often do? NEVER OPEN AN ETRADE ACCOUNT OR SUPPORT THEIR SCUMMY BUSINESS! Everytime I call the representative is immediately hostile for no reason. She says " according to section XXXX ( whatever ) of the customer agreement you signed '' you agreed to have your funds frozen for this kind of stuff. That's ridiculous. We also know the XXXX practices financial institutions do to bury this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Validation of Debt Request - FCO - XXXX XXXX XXXX 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 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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I am filing this complaint regarding XXXX handling of a dispute involving a deceptive and unauthorized transaction in the amount of {$49.00} dated XX/XX/year>. The charge originated from a website ( XXXX ) that presented itself as a continuation of an active, legitimate AI chat session I was engaged in. The interface closely mimicked a trusted platform ( XXXX ), and I reasonably believed I was continuing my existing session. During the interaction, I was prompted to pay to continue. I explicitly stated that I had already purchased a subscription earlier that day, because at the time of the interaction, I did not realize I had been redirected to a separate, illegitimate third-party platform. The system acknowledged my statement but continued to prompt for payment stating I would not be able to continue unless I subscribed. At no point was it clearly disclosed that I had transitioned to a separate provider or that I was subscribing to a different service. Although the chat interaction continued, it did so under the false impression that I was still within a legitimate, trusted platform. The experience lacked transparency and did not present the transaction in a manner that would allow for informed consent. Following the transaction : I received no receipt or confirmation No account access or service continuity was provided thereafter The interaction disappeared and could not be accessed again Evidence indicates a recurring subscription setup without clear authorization I did not independently seek out this service. It appeared within what I reasonably believed to be my existing workflow. The circumstances constitute impersonation, misrepresentation, and deceptive inducement into payment. I promptly disputed the charge with XXXX as unauthorized. XXXX denied the claim, stating that their platform is intended for payments between friends and trusted parties and that they do not mediate disputes of this nature. I requested escalation, provided documentation, and requested copies of any materials used in their investigation. XXXX has not provided that information and has relied on a general policy position rather than addressing the documented deceptive circumstances. This is not a standard purchase dispute. It involves impersonation of a legitimate platform, deceptive billing practices, and lack of informed authorization. I am requesting that this matter be properly reviewed and that the {$49.00} charge be reversed. I made multiple good-faith attempts to resolve this matter directly with XXXX prior to filing this complaint. Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint against JPMorgan Chase regarding the unexpected closure of my bank account without explanation. My account was abruptly closed by the bank, and I was not provided with any clear reason or justification for this action. When I contacted the bank to request clarification, I was informed that they could not disclose any further details and that the decision was final. This lack of transparency has caused significant inconvenience and concern, as I rely on my banking services for regular financial transactions. I believe I am entitled to a reasonable explanation regarding why my account was closed, especially given the impact on my financial activities. I am requesting that the bank provide a clear and specific reason for the account closure, as well as confirmation regarding the status and release of any remaining funds associated with the account.

Company response to consumer: Closed with explanation