vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 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: Hanwha QCells USA Corp
State: NY

Complaint narrative:
I, XXXX XXXX , am submitting this formal complaint regarding serious issues experienced with XXXX XXXX and its financing partner, Enfin Finance , in connection with a solar installation contract signed on XX/XX/XXXX. The experience has raised significant concerns about misrepresentation, lack of transparency, and possible consumer fraud. 
Key Concerns : 1. Misleading Monthly Payment Estimate : XXXX initially quoted a payment of XXXX XXXXXXXXmonth and a net investment of {$22000.00} after tax incentives, with an estimated savings of {$100000.00}. My electric bill as of the time signing the contract was {$250.00}. However, I am now billed XXXXmonth for 300 months ( 25 years ), totaling {$230000.00}, the total repayment comes to {$270000.00} over 360 months ( 30 years ).

2. Lack of Full Loan Documentation at Signing : I received only a Loan Closing Certificate on XX/XX/XXXX, and did not receive the full loan documentation until XX/XX/XXXX, several months after the contract was signed electronically. This denied me a fair opportunity to review terms.

3. Unexplained Monthly Charges : My monthly bill increased to {$570.00} ( {$250.00} + {$310.00} ) due to an unexplained home improvement charge of {$310.00}, which I was not informed of during the signing process.

4. Discrepancy in Installation Cost : The amount submitted to the Department of Finance was {$64000.00}, yet my contract states a total cost of {$74000.00}, showing a discrepancy of nearly {$10000.00}.

5. Delayed Amortization Schedule : The amortization schedule was only shared with me on XX/XX/XXXX, well after I was financially obligated. It shows {$150000.00} in interest over the 300 months term of the loan.

6. Lack of Response from XXXX : Despite repeated requests for clarification, XXXX has not responded. Enfin replied only by resending the original contract documents. In the document I discovered, there is a lien on my property. I reported to XXXX that one of the solar panels is malfunctioning since it was turned on XX/XX/XXXX, but XXXX has refused correct the problem and I believe this is a breach of contract. I also notified Enfin, but their response was not their responsibility.

These issues point to potential violations of consumer protection laws, including failure to disclose full loan terms, deceptive trade practices, and possibly predatory lending. I am humbly requesting a full review and investigation of XXXX XXXX and Enfin Finance and seeking options for remediation, including the possibility of cancellation or adjustment of the loan under fair and legal terms.

All relevant documentation is available, including contracts, amortization schedules, and marketing materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: MA

Complaint narrative:
EdFinancial Services is reporting multiple federal student loan tradelines on my consumer credit report, including adverse information. I previously requested information from EdFinancial regarding the ownership of the loans, its authority to service and report them, and an explanation of how the reported balances, statuses, and dates were determined.

EdFinancial did not provide the requested documentation. As a loan servicer, EdFinancial is not the owner of the loans and has not identified the current owner or produced records demonstrating its authority to report or verify the information being furnished to consumer reporting agencies.

Despite the lack of documentation, the adverse information continues to be reported. Reporting and verifying credit information without identifying the loan owner, without producing account-level records, and without demonstrating lawful authority raises concerns regarding accuracy and compliance with the Fair Credit Reporting Act. 

I am requesting CFPB assistance to require EdFinancial to either provide proper documentation supporting its reporting or remove the inaccurate and unverifiable credit reporting.

I also requested copies of the Master Promissory Note ( s ), identification of the current loan owner, documentation of EdFinancials authority to service and report the loans, and an explanation of how the reported balances, statuses, and dates were calculated, including the records relied upon for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App ( Block, Inc. ) has permanently deactivated my Cash App Card while allowing my account to remain active for sending and receiving payments. Cash App has confirmed in writing that this decision is final and can not be changed, yet they refuse to provide any specific reason or factual basis for the deactivation. 
Cash App continues to allow deposits and transactions through my account, generating fees and ongoing use, while denying access to a core feature of the service. Cash App states only that the decision may include account history, transaction disputes, or unspecified violations of the Terms of Service, but explicitly refuses to disclose which, if any, apply to my account.

This selective restriction is arbitrary and lacks transparency. If my account presents a legitimate compliance or risk issue, Cash App should fully restrict or close the account with proper notice and withdrawal instructions. Instead, Cash App retains my business while denying card access without explanation or an appeal process.

I am requesting that Cash App be required to do one of the following : Reinstate my Cash App Card access, or Provide a clear written explanation identifying the specific reason for the card deactivation, including whether this decision is permanent and what criteria were used. 
I am requesting CFPB assistance to obtain transparency, fair treatment, and a formal resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thornton Mortgage Inc.
State: FL

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 response to consumer: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I made my current and up to date payment on XX/XX/year>. On XX/XX/year> there was an issue on their end and they reversed my XXXX payment due to being misapplied. My account shows my payment is 144 days past due and they have reported me to the credit bureau. I have paid all payments since then on time and My acct should be current but shows a past due. I have spoke to many people and they all say I will get a call from a supervisor and will be fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd

Complaint narrative:
XXXX XXXX belongs to myself only. I live in XXXX - XXXX. 
I have account on Wise for my personal and business ( several, including in XXXX ) They report that close my account and I lost access to the account online. 
So far they already email me refund proceeding for the companies registered in XXXX ( XXXX and XXXX ) but I did not receive any email of refund for the company register in XXXX. 
I got yesterday the email if the statement of the XXXX XXXX and I am willing to share any information with you in case you can contact them to gain further information. 
I am attaching the Wise statement on this complain and you can see the movements and transactions, the business in XXXX was just starting. 

WISE US INCXXXX, XXXX XXXX XXXX XXXX, XXXX, United States XXXX : XXXX WISE US INC., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX United States XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting related to a XXXX account that is being reported as a charge-off on my credit reports with Experian , XXXX, and XXXX. 

I submitted formal disputes challenging the accuracy, balance, and reporting status of this XXXX charge-off. In my disputes, I specifically requested documentation supporting the reporting, including the original account agreement, a complete account history, an itemized balance calculation, the date and reason for the alleged charge-off, and the method used to investigate my dispute.

Instead of conducting a reasonable investigation, the account was simply marked as updated or verified without any documentation, explanation, or evidence that a lawful investigation occurred. XXXX XXXX did not contact me, did not provide validation, and did not disclose what records were reviewed to verify the information.

The response pattern indicates automated or robo-verification, where disputes are mechanically verified without review of underlying records. This does not meet the Fair Credit Reporting Act requirements for a reasonable reinvestigation under FCRA 611 and 623. Updating a tradeline without substantiating its accuracy is not a valid investigation. 

As a result, inaccurate and unverified information continues to be reported across all three consumer reporting agencies, causing ongoing harm to my credit profile despite my good-faith disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prohealth Care, Inc
State: PA

Complaint narrative:
I am disputing a medical debt that was sent to collections while I was actively seeking financial assistance from a nonprofit hospital, ProHealth XXXX XXXX XXXX. 

ProHealth XXXX XXXX XXXX is a 501 ( c ) ( 3 ) nonprofit organization and is required to maintain and fairly apply a Financial Assistance Policy. I initially applied for financial assistance in XX/XX/XXXX and was denied based on income. After that denial, I experienced a documented job loss and reapplied in XX/XX/XXXX with updated financial information reflecting unemployment. I was told my application was too late even though the policy states an XXXX application limit, and a staff member, XXXX in the financial department , told me applications could be accepted up to a year. Despite this, they are not giving me a direct answer. 

My appeal and subsequent hardship explanation were ignored, and I was later told it was too late to appeal, despite the material change in my financial circumstances. 

Despite my dispute and hardship appeal, the hospital allowed the account to be sent to collections and collection activity has continued. I was not given a fair or reasonable opportunity to have my updated financial situation reviewed, and collection activity was not paused during this process. 

I am requesting that collection activity cease while this debt is formally reviewed for financial assistance and that the account be returned to the hospital for proper consideration under its Financial Assistance Policy.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: TN

Complaint narrative:
I am disputing a billing error involving a missing payment of {$280.00} on my credit card account.

Timeline of events : I submitted an initial {$280.00} payment, which my bank successfully withdrew from my account. 
The credit card issuer stated the payment was not received, so I submitted a second {$280.00} payment. 
My bank withdrew both payments.

One of the payments was later disputed and refunded. 
Despite this reversal, my credit card account was charged {$280.00} for a payment that had already been reversed. 
When my bank later disputed the second {$280.00} payment, that payment was also reversed, yet my credit card account was again charged for that same amount. 
At no point has the credit card issuer acknowledged receipt of both payments, yet I have been charged twice for {$280.00}. As of today, {$280.00} has been withdrawn from my bank account but was never properly credited to my credit card account. 
This constitutes a billing error under the Fair Credit Billing Act ( 15 U.S.C. 1666 ).

I am requesting : Immediate credit of the
missing {$280.00} Reversal of any related interest or fees A written accounting showing whether the {$280.00} was ever credited, and if not, where the funds are currently held Written confirmation resolving this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Climb Credit Inc.
State: CA

Complaint narrative:
What happened? 

I obtained a private student loan through CLIMB Credit for educational purposes. In or around XX/XX/year>, CLIMB Credit sold or transferred the loan to a third-party collections agency, XXXX XXXX XXXX XXXX 

After the transfer, I entered into a settlement/payment agreement directly with XXXX XXXX XXXX XXXX I fully complied with the agreement, and the loan was paid and settled in full according to the terms outlined by XXXX XXXX XXXX. I have documentation confirming both the settlement agreement and that the balance was satisfied. 

Despite this, CLIMB Credit continues to report the loan on my credit report, even though the loan was sold and settled with XXXX XXXX XXXX. To my understanding, once the loan was transferred and settled with the collection agency, CLIMB Credit no longer had the legal right to continue reporting an active or outstanding balance.

I have made efforts to resolve this matter by maintaining records of payment and settlement documentation. However, CLIMB Credits co
ntinued reporting of this loan appears inaccurate and misleading, as the obligation has already been resolved with the entity to whom the loan was sold.

I believe this reporting does not accurately reflect the status of the loan and may be causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I called First Franklin in XXXX XXXX  a loan company to see if they were reporting to the credit bureaus for on-time payments today XX/XX/XXXX. They informed me that they have not reported to the credit bureau since XX/XX/XXXX. The purpose of me getting the loan was for them to report to the credit bureaus. this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
A medical collection account was reported on my credit file by National Recovery Agency in XX/XX/2026 in the amount of {$1200.00}, with the alleged original creditor listed as XXXX XXXX XXXX XXXX. 

I did not receive any prior written notice, lawful validation, or verification before this account was furnished to the credit reporting agencies. I have never signed any written financial responsibility agreement, contract, or authorization accepting liability for this alleged obligation. 

This account involves medical-related services and therefore contains Protected Health Information ( PHI ). I did not provide authorization for my medical information to be disclosed, transferred, or reported to National Recovery Agency, raising serious HIPAA compliance concerns.

National Recovery Agency has failed to provide : Proof of ownership of the debt Chain of custody / assignment documentation Original signed agreement or contract Itemized billing records Proof of authorization to collect Proof of authorization to receive medical information Proof of lawful reporting authority This reporting violates multiple federal compliance requirements, including : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) accuracy and verification Fair Credit Reporting Act ( 15 U.S.C. 1681g ) failure to disclose and verify the source, nature, and legal basis of the alleged obligation Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) failure to provide lawful validation HIPAA Privacy Rule unauthorized disclosure of PHI UCC 3-401 no signature, no liability UCC 9-203 no authenticated agreement, no enforceable obligation I formally dispute the validity, accuracy, ownership, and legality of this account. National Recovery Agency has no documented contractual authority, no lawful assignment, and no verified authorization to report or collect this alleged debt.

I am requesting a formal CFPB investigation, full validation documentation, proof of HIPAA authorization, proof of contractual obligation, and immediate removal of this account from my credit report if lawful verification can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was seeking a loan for my company, Who do you know XXXX XXXX, I came across a company by the name of XXXX XXXX XXXX. They offered me {$17000.00} loan, I agreed to the terms they stated that they would have to make the deposit through ACH after making the initial deposit of XXXX, they began to take {$8400.00} out of my business account five consecutive days. I tried reaching out to them. They say they would rectify the problem. Eventually, they stop answering the telephone and I was unable to reach them. I reached out to XXXX XXXX to dispute it and make a complaint XXXX XXXX stated that when someone take money out of your account through ACH without your authorization, thats not considered fraud so we will not give you your money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/XXXX, I applied and was approved for a Chase credit card via XXXX. I was offered a {$250.00} gift card from XXXX if I was approved which I was. After I received my card from Chase, I was able to create an account and login to the Chase website with no issues. Then suddenly, without any changes on my end, I could not login without going through 2 factor authentication. Every time I logged in, I had to get a text message and login with a one time code. So I called chase, on XX/XX/XXXX to fix the issue. They told me that there was a system upgrade and it pulled an old phone number which was causing the issue. So they deleted the old phone number. Now, every time I logged in, I had to CALL Chase to get a code to login. This is ludicrous. I wanted this fixed properly so I can easily login and see all the transactions on my account and confirm charges and also confirm there are no fraudelent charges -- I do this daily. So I called Chase again and was routed through a maze of people, from XXXX, to XXXX, to from customer service agent to agent who kept asking me the same questions over and over again and had me repetively perform the same tasks over and over. No one could fix the issue. I must have called 10 times and every time, the same thing. It is unbeleivable. Finally, someone opened a service ticket, and said tech support will call me in 3-5 business days. Well I waited and no call. So I called back and I was told there is no support ticket. So we opened another and this time I forced them to give me the ticket number so my ticket doesnt go missing again which was XXXX. They again told to me to wait 3-5 business days. So I waited and someone called while I was in the Supermarket. He left a message and said for me to call back and left his name. So I called today and was again put through the same maze of people asking the same questions and wanted me to perform the same steps again. This is unbeleivable. They could not put me through to anyone and told me to wait for another call. However, I am not being given a time when they will call so I am not sure if I will be available again. I would have closed this account due to this horrible service but the card is tied to XXXX and I spent some of the {$250.00} which I may have to return if I close the account. Consumers should be protected from this abuse. This is in no way to treat a customer with a financial account. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Deinde Online Services, LLC
State: AZ

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation