vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am disputing unauthorized debit card transactions totaling {$2400.00} at XXXX XXXX XXXX on XX/XX/year>. I filed multiple fraud claims with TD Bank, all of which were denied. 

I filed a police report with XXXX Police. The police investigation confirmed that the merchant stated no such transaction occurred, the store was not open at the time of the alleged purchase, and there is no transaction journal or receipt for this amount. These facts are documented in the police report. 

Despite receiving the police report and merchant confirmation, TD Bank denied all claims solely stating that my chip card was in my possession, without addressing the documented impossibility of the transaction.

I am requesting that TD Bank conduct a proper investigation, reconsider the claim based on the documented evidence, and reimburse the unauthorized charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl. XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Mosaic XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX Subject : Formal Dispute of Fraudulent Loan. Acct # XXXX Dear Mosaic XXXX XXXX, I am writing to formally dispute a fraudulent loan that was taken out in my name ( XXXX XXXX XXXX with your company. The loan in question, associated with XXXX XXXX, was obtained through deception and should not be valid for the following reasons : 1. Misrepresentation of Loan Terms The sales representative from XXXX XXXX explicitly told us this was not a loan but rather an energy program. We were led to believe there was no financial obligation on our part. 
2. Cancellation Before Work Began We canceled the agreement before any work was performed. XXXX XXXX was notified of this cancellation shortly after signing, well before any installation or disbursement of funds should have occurred. 
3. No Goods or Services Provided XXXX XXXX  never installed or provided any solar panels or services. No work was done on our property. 
4. Fraudulent Disbursement of Funds Your records indicate that you disbursed loan funds to XXXX XXXX. Since the contract was canceled, those funds should have been returned immediately. If XXXX XXXX has not returned them, this is a clear case of fraud. 
XXXX. The XXXX XXXX system we agreed we wanted. However, the tech came to install and failed multiple times. We gave up trying with the proper installation and the product is in a box. We should not be charged for this whatsoever. The product can be returned as is and unused. 

Based on the above, I am demanding the following immediate actions : Cancel the fraudulent loan and release me from any financial obligation. 
Remove any negative or inaccurate credit reporting related to this account. 
Confirm in writing that XXXX XXXX has returned the disbursed funds ( or that you are investigating the fraudulent disbursement ). 

Failure to resolve this matter will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Please respond in writing within 15 days to confirm the resolution of this dispute. You can reach me at XXXX or XXXX for any further clarification. 

Sincerely, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am filing a complaint regarding a wrongful repossession of my vehicle that occurred without lawful notice. 

This lender previously engaged in a wrongful repossession involving the same vehicle. Following that event, the loan was charged off as bad debt, my online account access was disabled, and no further payment requests, invoices, or servicing communications were made to me. 

I received no notice that the account had been reinstated, no notice of default, no right-to-cure notice, and no opportunity to make payment. Despite this, the lender issued a repossession order and my vehicle was taken. 

This vehicle is my only means of transportation for work and for my child, creating immediate transportation hardship. 

I am disputing the legality of this repossession and requesting expedited review. I am seeking immediate return of the vehicle pending investigation, correction of any improper reporting, and confirmation of the lenders authority to repossess after charge-off without reinstatement or notice. 

This appears to be a repeat pattern of improper servicing and repossession activity by the same lender.

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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for credit increase of {$1000.00} and was denied stating criminal background. I reviewed prior information from.Capital one and they company is holding against me a 20years old charge off. That debt is 20years old and I have no idea if that the debt belongs to me. Due to nothing of that is listed on my credit report. How am I held accountable for 20year old debt that isnt verified? That is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2026-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My Care credit card ( Synchrony Bank ) was getting very high so I went to XXXX XXXX XXXX to get another credit card to transfer the balance to so I would have zero interest. When I was in the bank we called care credit to confirm and pay off the balance. It was made clear that we were doing a transfer and paying off the balance. I saw a statement from care credit, but I knew it was getting paid off so I paid it no mind. I started getting calls from care credit and kept telling them that it was a mistake and was paid off already and they needed to update their records. I got concerned when I saw another statement and wondered why it was taking them so long to update the records. I finally called to speak with someone about this and was shocked to find out that they never closed my account and continued to charge outrageous fees and interest. I asked to speak with supervisors and could not believe they would not fix this issue. It turns out that the check from XXXX XXXX XXXX  was received a few days after the next billing cycle. Instead of doing the right thing and paying off my account and closing it, which should have been made clear in my file, they kept it open and kept charging it. This is bad faith and terrible customer service.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Claim # XXXX was denied. 

I filed this claim because I was the victim of a phone scam in which a representative from Wells Fargo, calling from my local Wells Fargo branch, told me my identity had been stolen and assured me I had to save my stolen funds by paying an amount through my XXXX XXXX to a XXXX XXXX  number that he provided. I became suspicious after I was asked to enter a XXXX dollar amount and it prompted me to enter my SSN, at which point I immediately called the Wells Fargo fraud department, before the transaction was approved and was still listed as pending. The Wells Fargo agent assured me my account had been frozen, this had just happened to him the previous week, and sent me a new debit card, however, the amount was approved for the XXXX XXXX transfer on Tuesday, after the holida

y, and despite my call, my claim for the scam was denied. The fake gentleman calling from the real Wells Fargo called me back multiple times, which I did not answer, and he called so much that I had to block that branch 's number. I placed my faith in Wells Fargo to help me, and they simply brushed me off, with no further questions to offer support before they denied my claim, and when I called to appeal, one of the representatives hung up on me. More than recoverin
g my money, I feel that my faith in this institution had been destroyed and I don't know if I can trust them.

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: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a new complaint because Goldman Sachs provided a materially inconsistent explanation regarding the closure status of my Apple Card account, and the underlying issue remains unresolved. 

Goldman Sachs stated in a prior CFPB complaint response that my Apple Card account was successfully closed on XX/XX/XXXX. However, I received an Apple Card Support email confirming : Your Apple Card account has been closed as of XX/XX/XXXXXXXX  as requested, showing a {$0.00} balance. If the account was fully closed in XXXX, there should have been nothing left to close again in XXXX. This indicates that a residual account state, internal linkage, or identity profile issue persisted for years. 

During the period after the XXXX closure, I submitted nine applications between XX/XX/XXXX and XX/XX/XXXX and was unable to complete a processable Apple Card application. Applications stalled indefinitely under review or failed with notices stating that the application could not be processed due to a system issue. Despite this, Goldman Sachs later characterized the outcome as an inability to verify identity, without identifying any specific identity element that failed and without providing any remediation path or manual identity verification process. 

This is not a creditworthiness issue. My credit profile is stable. This is an identity and system integrity issue that appears tied to incomplete termination or backend linkage of my prior Apple Card account and Apple XXXX 

I am requesting that Goldman Sachs provide a written resolution that includes : XXXX. A clear explanation of why my Apple Card account required an additional closure on XX/XX/XXXXXXXX  if it was already closed on XX/XX/XXXX. 
2. Identification of the specific identity verification factor or factors that failed on my applications. 
3. A documented remediation path, including a manual identity verification option, that allows me to submit a valid Apple Card application like any other consumer.

4. Written confirmation that any residual account linkage, internal identity profile conflicts, or application blocks connected to my prior Apple Card account and Apple XXXX  have been fully corrected.

I am attaching the Apple Card Support closure email dated XX/XX/XXXX, as well as Apple Card application notices stating that my application could not be processed due to a system issue. 

I want the CFPB to publish this description on ConsumerFinance.gov so that others can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have requested proper validation of this debt on multiple occasions over the past 2 years. To date, you have failed to provide adequate verification as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company public response: Company can't verify or dispute the facts in the complaint
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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( 8 ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. 

Please provide the following information : Proof that I am responsible for the debt : Documents demonstrating that I owe this debt. 

Details of the debt : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied. 

Name and address of the original creditor : If this debt has been sold or transferred, I need to know the name and address of the original creditor. 

Proof of your authority to collect this debt : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: TX

Complaint narrative:
I am currently XXXX XXXX ( XXXX ) ; however, I am using the US address and phone number associated with my PayPal account for identity verification purposes. ( # XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX ) My PayPal account was limited, and the 180-day security hold on my {$1000.00} balance has expired. PayPal Executive Office confirmed the funds are ready, but I am trapped in a technical loop. The system only allows withdrawals to a XXXX XXXX  account, which I can not link because I am residing overseas. 
Crucially, my previous XXXX XXXX accounts were closed following my divorce ( XXXX XXXX XXXX ) after my ex-husband intentionally misled me about the status of our accounts to prevent me from accessing marital funds. 
I can not open a new account without an in-person signature, which is impossible from abroad. I have an active escalation ( Ticket ID : XXXX ), but a supervisor today refused a manual reversal, and an agent ( XXXX ) refused to provide a call reference number. 
As of today, XX/XX/year>, the IRS has officially placed me in Currently Not Collectible ( CNC ) status due to my extreme financial hardship, yet PayPal continues to withhold my {$1000.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Starmark Financial LLC
State: TN

Complaint narrative:
On XXXX XXXX  I returned a voicemail I received to Starmark Financial at XXXX XXXX. I spoke to the representative and told him I never received anything from this company and was unaware of this matter. The representative told me I was unable to speak to the original lender and then proceeded to speak over me and put me on hold which then he blind transferred me to another agent named XXXX XXXX who asked me to provide context to the situation. I then told the agent exactly what happened who then tried to defend his colleague and once I told him that was a direct violation of the CFPB he then proceeded to speak over me yelling his voice to get his point across. Im requesting this call be pulled from this institution as Ive never received anything debt validation from them for over 2 years which the agent confirmed on the call and for them both saying I cant reach out to the original lender to confirm the debt.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The transactions are dated from XX/XX/XXXX to XX/XX/XXXX amounting more or less {$6900.00}. The reason they denied the claim was because claims representative failed to mention on the claim that my mobile device was stolen and the transactions was made through XXXX XXXX. Failure to state that my device was stolen was the reason why the claim was denied.

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am writing to formally dispute a debt that Caine & Weiner claims I owe. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please note the following : I request a detailed verification of the debt, including the original creditor, the amount claimed, and any documents showing that I am legally obligated to pay this debt. 
I am requesting that all collection activities cease until the debt is properly validated. 
Any reporting of this debt to credit reporting agencies should also be suspended until proper validation is provided. 

I am also submitting a complaint with the CFPB because I have not received proper validation, and I believe this debt may be inaccurate or improperly reported. 

Attached are copies of any relevant documents for your reference. Please investigate this matter and respond promptly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/26, I received multiple alerts on my phone about declined transaction attempts using my Wells Fargo Visa Debit card. I immediately went online and locked my card. When I called Wells Fargo to report fraudulent use of my card, they canceled my card and issued me a new one, which I would receive in the mail. When they did this, it automatically updated the digital Card in my digital wallet on my phone. They filed a claim for the two charges that did go through. 

The next day, I received more declined transaction alerts for the new card number. I called Wells Fargo to report it, but they had no explanation for how someone could be using a card I haven't even received in the mail yet. 

Unfortunately, Wells Fargo denied my claim, verbally stating that from what they can tell, it was used from my digital wallet. However, I was not even in the state of XXXX, which is where the transactions originated via digital tap. I explained to them that they only needed to look at my other transactions to see that I was clearly in Kansas using my debit card at a XXXX  XXXX XXXX earlier that day. 

With the repetitive use of my card via digital wallet in different locations, it was clear to see that it was not me. I was sitting having dinner when all this first happened, and charged my dinner on another credit card, which clearly shows I was in a different state when this occurred. 

They have denied my case and refuse to reopen it or provide any " proof '' that it was me who made these purchases. The largest purchase was made at XXXX XXXX for {$1100.00}.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Approximately XX/XX/XXXX I received a deposit into a Chime Checking account, which was closed just days later due to " user agreement violations ''. Instead of speaking with someone to get the issues cleared up and receive my funds back, I have only been able to correspond with Chime and XXXX via email, which at one point they stopped responding to. In approximately XX/XX/XXXX I initiated a second investigation into Chime and XXXX through the IRS Emergency Services help request form. That investigation was concluded and it was determined that Chime and XXXX have been untruthful about returning funds to the IRS on my behalf. Please see attached files, screenshots and correspondence on the matter.

Company response to consumer: Closed with explanation