vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
An unauthorized automatic debit was processed from my checking account by XXXX XXXX. I did not authorize this transaction. At the time the debit occurred, the account was actively under third-party debt settlement, and I had not approved or consented to any payments being made directly to the creditor. 

Upon discovering the charge, I immediately contacted XXXX XXXX. The merchant confirmed that the payment was processed automatically and stated that they could not reverse or refund it once completed. 

I then filed a dispute with SoFi Bank, my financial institution. During my communications with SoFi representatives, SoFi acknowledged that the transaction occurred without my consent and advised that the dispute was under investigation. However, SoFi also stated that provisional credit would not be issued unless and until the investigation is completed, which may take up to 10 business days or longer. 

As a result of SoFis refusal to issue provisional credit during the investigation, I have experienced significant financial hardship. The funds removed were needed for essential living expenses, and I am now past due on bills such as rent and utilities. I repeatedly requested escalation or provisional credit due to hardship, but was told to wait for the investigation outcome despite acknowledgment that the transaction was unauthorized. 

In a prior, similar situation with another financial institution, provisional credit was issued immediately while the investigation proceeded, preventing financial harm. In this case, SoFis handling of the dispute has exacerbated my financial instability by withholding interim relief following an acknowledged unauthorized electronic funds transfer. 

I am requesting that SoFi : Provide provisional credit for the unauthorized transaction Ensure my financial hardship is properly documented Review whether its dispute handling complies with consumer protection requirements for unauthorized electronic fund transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
National Credit Systems, located in XXXX, GA, is reporting an alleged debt on my credit report without providing validation for {$5500.00}. I verbally disputed this debt and requested documentation showing how I owe this amount, including proof of the original agreement and itemized charges. The collection agency has never provided written validation. 
I requested that the collector communicate with me by mail only. 

During a second phone call from the same representative months later, I again stated that they were not permitted to contact me by phone and to once again send me proof of debt. The representative disconnected the call while I was speaking. I immediately called back but received no response, and I left a voicemail stating for a second time that they were not permitted to contact me by phone and must communicate by mail only. 

I disputed this account with all three credit bureaus. The collection agency verified the debt with the credit bureaus without providing any validation or documentation to me. I am requesting that the company either provide proper validation or remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I attempted to dispute an unauthorized transaction with Wells Fargo. The representatives I spoke withwho identified themselves as part of a thirdparty call centerengaged in coercive and noncompliant behavior that prevented me from filing my dispute unless I agreed to actions I did not request. 
They demanded excessive personal information, including : - Last 4 of my SSN - Last 4 digits of my debit card - Last transaction made with my debit card - Amount of my last debitcard transaction - My full account number While some identity verification is normal, demanding my full account number and refusing to proceed unless I complied is inappropriate and unnecessary. 
I was explicitly told that they would not file my dispute unless I agreed to block and replace my debit card something I never requested. This is a violation of Regulation E, which requires the bank to accept and investigate unauthorizedtransaction disputes without imposing conditions. 
When I asked for a supervisor, she threatened me by saying my account would be marked as fraudulent if I did not comply. When I asked for clarification, she refused to explain and continued using vague, intimidating language. 
Finally, I was informed that my debit card had already been canceled without my consent, and that my dispute was filed only after they took this unauthorized action. 
Why this is a problem The conduct I experienced includes : - Coercion - Refusal to file a dispute unless I agreed to replace my card - Threatening language - Misuse of internal fraudflag terminology - Unauthorized cancellation of my debit card - Failure to provide clear, compliant, respectful communication These actions violate the disputeresolution requirements under Regulation E and constitute unfair and deceptive practices.

What I want Wells Fargo to do - Provide a written explanation of why my dispute was conditioned on replacing my card. 
- Confirm the dispute details, including the date, time, and case number. 
- Explain why my debit card was canceled without my authorization. 
- Provide copies or transcripts of the call recordings. 
- Confirm that my account has not been improperly flagged or restricted. 
- Review or retrain the thirdparty call center involved. 
What resolution I am seeking A full investigation into the disputehandling misconduct, correction of any improper account flags, and written confirmation that Wells Fargo will comply with Regulation E going forward.

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 2026-01-25 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( mo ) 281 SW 715, 719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Problems receiving the advance — 
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
On XX/XX/year> I received an email saying my account was locked and I would be receiving an information and a link to unlock account. I received no such email. I called and was placed on hold for three hours. I was asked to verify myself through a link, where I had to take pictures of the front and back of my id and a picture of myself in realtime. After I complied with all that Credit Karma requested they still would not unlock my account or give me any information. I would like access to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union regarding a permanently restricted account and withheld funds. 

I maintained both a checking and savings account with Navy Federal for a year in a half close to two. I had two authorized users on the account : my sister and my step mother. My sister received her legitimate IRS tax refund the second week in XXXX, it was mailed from the IRS on XX/XX/XXXX, deposited into the account on XX/XX/XXXX without issue. My mother check was mailed out on XX/XX/XXXX which was before XXXX but Navy hadnt approved my mom account for an authorized user, so she waited until the account was approved to deposit hers. XXXX account was approved already she thats why she was able to deposit. My mom deposit her Legitimate tax refund check on XX/XX/XXXX. 

Navy Federal initially released a portion of my mothers refund and placed the remainder on a standard hold, stating it would be released after five days. However, only two days later, Navy Federal permanently restricted and closed my account, alleging fraudulent activity. No fraudulent activity occurred. 

I was instructed to submit an appeal and supporting documentation, which I did in full, including proof that the IRS refund deposits were legitimate. Despite this, Navy Federal denied the appeal and refused to lift the restriction without providing a clear explanation. 

I have been consistently receiving account statements from Navy Federal every month which shows the funds are still being held. Navy Federal is still holding the remaining IRS refund funds while the account remains restricted. I have not been given written confirmation of whether these funds will be released to me or returned to the IRS.

The IRS has opened TWO trace cases this confirms the refunds are legitimate. They sent an official IRS trace form which was form XXXX. 
The IRS can not reissue the refund until Navy Federal Credit Union sends the funds back I am requesting that Navy Federal either immediately release the remaining funds to me or formally return the funds to the IRS so the refund can be reissued. Holding legitimate funds indefinitely after closing an account is unacceptable.

I am requesting written confirmation of the disposition of these funds and prompt resolution of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Someone broke into my XXXX  account, changed the mobile number on file for me, and then ordered a debit card sent to my old address XXXX XXXX XXXX, XXXX XXXX, California. 

I then contacted XXXX  to get access back to my account and deactivate the debit card before the intruder started charging it. I could not reset my password because their password reset flow requires that I enter a code sent to my mobile device, but since the intruder changed the mobile number to a device I obviously don't have access to, I didn't receive the code and so couldn't verify it's me. 

I then called XXXX, explained what happened and the agent said he'd help me deactivate the debit card and regain access to my account. He also said there was a balance in the account of ~ {$35.00} which I want access to. Through the phone call, he said he managed to deactivate the card, but couldn't help me get back access to my account. Instead he had another team reach out to me asking for ID verification documents, specifically to upload a photo of my ID and also a photo of myself holding my ID which I did. Then, it required me to reset my password, but their reset flow AGAIN required that I enter a code sent to the number on file for my account but since the number had been changed, I again did not receive the code and so could not access my account, and I still don't have access : / I waited a few days, didn't hear back and reached out again asking for an update, then still haven't heard anything. 

At this point, I'm appalled by their shoddy protection system since they allowed someone to break into my account. I'm also appalled by their lack of account recovery options. And finally, I'm disgusted by their lack of customer support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid my credit card debt in full. I requested it to be updated on my credit report. They refuse to help me. The collections dept said its paid they dont do anything else and that I need to go through synchrony. I have made multiple attempts at taking to synchrony and they refuse to talk to me stating I owe debt with the collections dept nobody will resolve

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 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Before making a large purchase, I reached out to Care Credit MasterCard to find out about the promotional options. I spoke in detail with the representative as I explained to her my intentions. She assured me that the purchase would fall under her promotional time frame but she could not tell me exactly what the time frame would be. I would have to wait until my first feeling. This all occurred in XX/XX/year>. I was in need of replacing my XXXX  unit and since my card which is a Visa Care credit card had a XXXX balance I used it to pay for the purchase. Unknowingly, this purchase would not fall under a promotional. Now I am being charged over {$200.00} a monthly in interest fees. When I received the first bill, I reached out to them again via chat to explain to me why these charges were being charged. This is when I was informed that I could return my purchase that is the only way to avoid the interest. To which I responded, how am I to remove an XXXX  unit and return it? My intentions were to have this bill paid off within 8 to 10 months. This is absolutely ridiculous that they would do this. I have been a member in good standing with this company for many years. Had I known my purchase would not fall under a promotional guideline, I would have never use the card. I believed I could do it because I had received numerous advertisements in the past regarding using the card for different purchases other than medical. I am now in the process I'm seeking to pay this off immediately to avoid any more interest charges.

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 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
The company XXXX  XXXX XXXX sold me a car with the understanding of the mileage being 176,000 but on the dash the mileage states 76,000 miles causing problems with refinancing and any needed repairs. This contract was bonded with credit acceptance LLC but the information about the vehicle are false

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 2026-01-25 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: DISCOVER BANK

Complaint narrative:
There is multiple changes related with education from XXXX and XXXX both XXXX, they say is an Online purchase using XXXX XXXX  My credit card is freezed for about 6 months now because I was in a exchange program for 2 years and I got back to my country, but even before I came back I paid some of those without even noticing because it was in between my other purchases. 
I dont live in US anymore, I havent made those purchases, there is an address for those purchases and they lead to a place on XXXX XXXX  with comments of a lot of people talking about the same company with the same unauthorized charges ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ) There are 5 charges XXXX, XXXX, XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AUTO MARKET OF FLORIDA, CORP
State: FL

Complaint narrative:
XXXX XXXX I purchased a XXXX XXXX XXXX XXXX  from AutoMarket of Florida. My salesman falsifying the initial inspection of the vehicle. 2 hours after purchase my tire valve blow out and my windshield had a leak from not being properly sealed. I immediately contacted the dealership.There was no spare tire provided as stated. And no money back guarantee was offered liked stated. The dealer did nothing. I asked for assistance and it took four months to get into warranty services. The did a full body inspection on XXXX XXXX and falsified that inspection stating all four tires had lumps in the vehicle and recommended a tire company. I was already advised by a professional that the wheel bearings needed to be removed. Another inspection was done to discover improper lugs nuts was installed in the vehicle day of purchase cause damage to the suspension. My mechanic also notice a crack where my fluids are held. Nothing of that sort of information was mentioned in the inspection. XX/XX/XXXX contact my dealer because Im having complications that are within warranty services. At the time the mileage was still in range but in order to get an appointment and someone to answer the phone disqualified me for warranty services to assist in the situation. Its been 3 weeks no answers and no one has reached out. I have all receipts all dates and videos of all damages day of purchase. I seek justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Complaint Narrative For more than one year, I have been repeatedly and improperly denied an Apple Card due to a stated reason that is factually false and unsupported.

Each denial states that an Apple Card or Apple Card application already exists for this user on another Apple Account and that Apple Card allows only one account per user.

This is incorrect. 

I have never opened, held, or been approved for an Apple Card under any Apple ID, Social Security number, or identity. I have contacted Apple Card customer service numerous times. Apple Card representatives confirmed that : No Apple Card exists under my name No Apple Card exists under my Social Security number No Apple Card exists under any Apple ID associated with me My case was escalated multiple times to Apple Cards fraud department and internal back-office review. Each escalation confirmed that no account or prior application exists and that no fraud was identified.

Despite these findings, the Apple Card system continues to automatically deny my applications for the same false reason. Apple and Goldman Sachs have failed and refused to correct the underlying system error or data misattribution. Customer service has stated they are unable or unwilling to fix it. 

As a result, I am indefinitely blocked from applying for credit based on incorrect internal information that the company itself can not identify or explain. 

This appears to be a failure of reasonable investigation, inaccurate internal recordkeeping, and an unfair credit denial based on non-existent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App denied my unauthorized transaction dispute without providing any evidence of authorization as required under Regulation E ( 12 CFR 1005.11 ). 
I expressly denied authorizing this transaction. Cash App failed to produce merchant verification, device/IP evidence, or a signed authorization. 
I am requesting a formal investigation by the partner bank and reimbursement of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: DC

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Capital Eleven Auto, LLC dba Capital Auto Loan
State: ID

Complaint narrative:
I surrendered a vehicle worth XXXX needing about XXXX worth of repairs, the vehicle was picked up by Capital Auto Lenders and I was notified it was picked up. I was never notified if it had gone to auction, or been sold elsewhere, but now I have an XXXX Breach of Contract through the XXXX court systems. Never contacted about it, had to search up my name to find it.

Company response to consumer: Closed with explanation