vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 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: Solar Mosaic LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I signed up to have solar panels installed in my home by Freedom Forever, financed by Mosaic Loans ( now Solar Mosaic LLC ). After approximately XXXX week, I cancelled the project due to further research I had done, as well as the numerous negative reviews this company had. Since I cancelled after the XXXX period from signing the contract, they requested a {$1200.00} cancellation fee be paid to order the termination of the contract/project. I refused for about a year, trying various methods to get the project cancelled without paying, since work never started. I ended up going with another solar company in the end. However, XXXX Mosaic is still listed on my credit report despite numerous complaints to the Better Business Bureau and TransUnion. I was able to finally get in contact with Solar Mosaic in XX/XX/XXXX and requested they dissolve the loan due to the project never beginning. They told me they could not begin the cancellation process until XXXX confirmed the project was terminated. After a few days I caved in to XXXX 's demands and requested to pay off the {$1200.00} cancellation fee so they could begin terminating the contract and removing it from my credit report. I spoke to and emailed an agent who worked for XXXX and they told me I could pay a reduced processing fee of {$550.00} to cancel the project. I paid it on XX/XX/XXXX, and have not heard back and updates from anyone at XXXX despite numerous calls and emails. It's now been over XXXX months with radio silence on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
am filing a complaint regarding severe servicing errors involving my federal student loans, which have resulted in significant financial harm, incorrect balance reporting, and credit damage. 
My loans were transferred between XXXX, XXXX, XXXX, and Nelnet. During this process : My loans were consolidated without my knowledge or authorization Nelnet duplicated loans that I was actively paying ( confirmed by FSA Feedback ) Nelnet reported 18 delinquent payments inaccurately My balance increased from approximately {$120000.00} ( XXXX ) to {$230000.00} Prior payments were disregarded Interest appears improperly calculated These errors caused : Removal from the XXXX XXXX XXXX XXXX XXXX XXXX ( loss of final-year benefits ) Loss of employer loan repayment assistance Severe credit score damage Financial hardship Despite providing documentation ( payment records, prior statements, FSA confirmation ), Nelnet continues to assert that no payments were made.

Requested Resolution : Correct loan balances and payment history Reverse improper interest Correct credit reporting Provide written explanation Compensation / remediation for financial harm including lost payments, loss of XXXX XXXX  3rd year payments, and loss of payments from my job due to mismanagement of loans

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide " Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY 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 XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: FL

Complaint narrative:
Four fraudulent charges of {$100.00} each to my debit card were entered by vendor on XX/XX/XXXX and paid by Wells Fargo. 
A 5th {$100.00} and 6th {$25.00} attempt were denied by Wells Fargo. 
The vendor name : XXXX XXXX XXXX XXXX XXXX XXXX Claim was filed on XX/XX/XXXX and denied by Wells Fargo Claim was escalated on XX/XX/XXXX and denied by Wells Fargo Wells Fargo claims that the card was presented in person in XXXX GA. 
The card has been in my possession at all times and I have not traveled from home in Florida. 
Wells Fargo does not have any information on the vendor, can not even provide me with a phone number to the vendor. 
I escalated to the executive office in Wells Fargo and they can not help. The referred me back to the claims department.

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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mercury Financial Intermediate LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a charged-off account being reported by XXXX XXXX XXXX XXXX Mercury with the following details : Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Account Status : Closed / CollectionChargeoff Balance Reporting : {$0.00} on XXXX  & XXXX  XXXX historical balance discrepancies across bureaus Remarks : Charged off as bad debt, Purchased by another lender, Account transferred or sold Failure to Clarify Ownership & Legal Status This account is reported as : Charged off Purchased by another lender Transferred/sold Reported as loss These remarks indicate a transfer of ownership and potential cancellation event. If the debt was sold, XXXX XXXX XXXX XXXX Mercury no longer has authority to report an outstanding obligation unless properly documented. 

1099-C Requirement If the debt was canceled, written off, or abandoned, a Form 1099-C is required under 26 U.S.C. 6050P and Treasury Regulation 1.6050P-1 for debts exceeding {$600.00}. 

I have not received a 1099-C nor documentation establishing : Whether XXXX XXXX XXXX still owns the debt Whether it was canceled Whether it was sold and assigned FCRA Violations Continued reporting without clarity violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( inaccurate/misleading furnishing ) 15 U.S.C. 1681s-2 ( b ) ( failure to reasonably investigate upon dispute ) 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) Demand I demand that XXXX XXXX XXXX / Mercury : Delete this tradeline from all consumer reporting agencies immediately. 

This complaint is submitted to the CFPB for enforcement review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a charged-off account being reported by CAPITAL ONE with the following details : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Account Status : Closed / Charge-off Balance Reported : {$1500.00} Remark : Charged off as bad debt / Account previously in dispute now resolved reported by subscriber Bureaus Reporting : XXXX XXXX XXXX Failure to Issue Required 1099-C ( Cancellation of Debt ) This debt exceeds {$600.00}. Under 26 U.S.C. 6050P and Treasury Regulation 1.6050P-1, a creditor must furnish IRS Form 1099-C when a debt is canceled or discharged due to an identifiable event.

Capital One is reporting this account as charged off while continuing to report a balance owed. I have not received a 1099-C and Capital One has not clarified whether the debt was canceled/abandoned or remains legally collectible.

FCRA Violations This conduct violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) inaccurate or misleading furnishing 15 U.S.C. 1681s-2 ( b ) failure to reasonably investigate and correct inaccurate/incomplete information Demand for Relief I demand that Capital One : Delete this tradeline from all consumer reporting agencies This complaint is submitted to the CFPB for regulatory review and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
XX/XX/XXXX I ordered set of false teeth ceramic for XXXX they sent me a piece of candle wax

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: PA

Complaint narrative:
" I am filing this complaint against Chime for the wrongful denial of unauthorized transaction claims totaling {$760.00} ( Claim IDs XXXX and XXXX ). These transactions occurred while I was admitted to the XXXX  at XXXX XXXXXXXX ( XXXX XXXX XXXX ) starting on XX/XX/year>. During this time, my home was also burglarized, as documented in XXXX XXXX XXXX Report DC # XXXX. Chime has closed these claims despite my clear medical and legal evidence showing I was physically unable to authorize or make these charges. This is a violation of my protections under Regulation E. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I call XXXX XXXX and XXXX XXXX  and speedy cash too make a partial payment until I get back in good standards until I get back on my feet they didn't want to help me and I'm willing too make payments that I can afford

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I recently discovered a capital XXXX credit card was fraudulently open under my name. I filed an identity theft report with FTC. Report is attached. 
Card was opened on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On the XXXX of XXXX I went to work without my phone because we aren't allow to use phone and I have almost {$2500.00} in my account when I got home on the XXXX of XXXX I login into my account and notice some unauthorized pay anyone transactions on my account almost {$1300.00} has been sent to another account I quickly sent the remaining funds to my friend account when I go through my email I saw many login notifications from another state and country please help me beg chime this is the third time this is happening on my account ever since I have submitted my chime information to one of the chime agent to get my winnings

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX is claiming I had a credit Card they then sold the account to a company by the name of LVNV. I tried disputing the account with XXXX  XXXX, but they canceled it and dismissed it.. I then tried reaching out to LVNV but they were trying to settle, and I told them Im not going to settle because I never had an account with them and then I told them a debt violation letter. I also asked LVNV if they prove that I had an account with them? they never prove that I had an account with them. so I said that I will send them a Debt Violation Letter. I have disputed this several times with XXXX XXXX. I guess XXXX XXXX theres only so much they can do. Please remove this from my credit report. This is ruining in my life. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: UT

Complaint narrative:
Debt collection agencies keep sending me letters in the mail and repeated phone calls about a debt that I owe them when Ive never signed my name on a contact saying that Ill promise to pay the debt that they already bought the debt from the creditors and Ive never signed my name that I agree and take full responsibility of paying off the debt and the debt collection agency keep reporting it to the XXXX major credit bureaus and this is making my credit score in low XXXX or lower and this is stopping me from getting future auto loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
There was a fraudulent activity on my sofi bank on XXXX  XXXX, XXXX of {$990.00} and {$1300.00} account, I filed for a dispute on XXXXXXXX XXXX XXXX and got a provisional credit then I got my account restricted with the funds available in it they wont let me get my funds out I called and Im told they are closing my account for no reason and I wont have access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: PA

Complaint narrative:
I filed a complaint with Robinhood for XXXX XXXX XXXX  on XX/XX/XXXX, and I returned the vehicle on XX/XX/XXXX. {$470.00} was the amount I was coerced to pay in junk fees/overcharged, non-disclosed fees, coerced voluntary fees, false claims of XXXX required by Florida law , and contract breaches, etc. The security deposit was also incorrect, it was supposed to be held ( contractually an unspecified amount of days ) but they held it for 45 days, this is not considered an industry standard. They also held {$1500.00}, this was not the contractual amount, but the contract they gave me was different from the contract they disclosed when I purchased the travel package, there are so many discrepancies it is almost hard to believe how they get away with this, they also had a clause that they would charge more money if a dispute is filed ( pretty sure that is not legal if it is valid ) They charged me for things that were not disclosed and a higher amount in the industry, they did not state whether taxes were already included or not, they gave me the wrong vehicle class ( This was prepaid already ) and just violated their contract in many ways. They coerced me to sign the documents under duress and accept things that were voluntary, but they told me it was mandatory or Florida Law Required it. None of these were true, but I was not going to risk stranding my family ( XXXX XXXX included ) and I am a XXXX veteran. Another thing I filed a dispute for was for 2 hotel room on XXXX XXXX XXXX for {$100.00}, 2 hotel rooms, and there was mold, it smelled, room was in bad, horrible, unsanitary and uninhabitable conditions, I filed with the Florida Dept of Business and Professional Regulation where they conducted an inspection on XX/XX/XXXX, almost XXXX months after I stayed and found mold and unsanitary conditions still. Robinhood decided in the favor of the merchant because their claim was I stayed there, I had explained it was under duress as it was during a busy holiday peak travel period and there were not many rooms available for a reasonable cost as this travel package was booked early XX/XX/XXXX. There was also a merchant where I bought a few items and they did not provide a receipt and overcharged me at the counter, a thing that has happened to many people on the XXXX reviews of this place, which I did not look up prior to entering, but I filed a dispute against fraud and submitted everything I had and Robinhood did not side with me on this case, even after explaining what happened and providing pictures of the store, found on XXXX showing the paper signs and misleading customers, and other customer reviews that show that they charge more at the counter and their 1 star XXXX rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: NY

Complaint narrative:
The credit card was cancellation of debt.from the Citibank of amount of {$22000.00} I never received it from the bank IRS Form 1099-C, Cancellation of Debt Treasury Regulation 26 CFR 1.6050P-1, mandate this reporting.

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 2026-02-12 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is regarding an immediate action request for an over-payment made in error. 

On XX/XX/XXXX, a billpay malfunction at XXXX XXXX XXXX XXXX resulted in an over-payment of {$15000.00} to Synchrony Bank. The intended payment amount was {$150.00} for my Mattress Firm/Synchrony account. When I contacted Bill Pay, I was informed that nothing could be done because Synchrony Bank had already received the check. 

On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX, where a representative contacted Synchrony Bank and spoke with a representative named XXXX. I explained that I wished to pay the remaining balance on my Mattress Firm/Synchrony account XXXX XXXXXXXX requested that the over-payment of {$14000.00} be refunded to me. XXXX confirmed that Synchrony Bank had received the {$15000.00} payment and instructed me to call back on XXXX, XX/XX/XXXX, for an update on when the refund check would be issued. 

On XX/XX/XXXX, I called Synchrony Bank and spoke with a supervisor named XXXX. He informed me that my refund of {$14000.00} would be placed on a XXXX hold for security purposes. When I asked for an explanation of this security requirement, he was unable to provide one. His tone became rude and dismissive. 

I am retired and on a fixed income. I have financial obligations that require timely access to my funds. 

I request that the hold be removed immediately and that my check for {$14000.00} be issued ASAP!

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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/year> I placed a call to santander XXXX located XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Regarding the funds in my account. Because it was a Sunday I had no luck, I was told that the check has been mailed out on XX/XX/year>. On Monday XX/XX/year>. After calling again twice to confirm its been mailed I was told yes it was mailed. The check has not came in the mail so I called again on XX/XX/year> again was told it was sent and I should have certainly received it by XX/XX/year> its currently XX/XX/year> and once again no check came in the mail. Im strongly feeling I was given false information and was extremely mislead.

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