vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing this complaint against Capital One Auto Finance regarding severe financing fraud, identity theft, and forgery originating from their partner merchant, XXXX XXXX. I am a disabled consumer receiving Social Security Disability Insurance ( SSDI ). When interacting with XXXX XXXX, my co-buyer and I explicitly told the dealership that our only income source was XXXX. We never provided specific income figures, and we never signed a credit application or a retail installment sales contract for this transaction. Due to a documented medical condition, I am physically unable to execute that signature. XXXX XXXX forged our signatures on a Capital One loan application without our knowledge or consent. They accomplished this by digitally or physically copying our signatures from a previous, unrelated vehicle purchase we made at XXXX XXXX back in XXXX. Using these forged signatures and falsified income data, XXXX XXXX secured a Capital One auto loan that is {$9000.00} to {$11000.00} over the actual XXXX XXXX XXXX value of the vehicle. When I questioned Capital One about this, their representatives claimed the bank " was not told what our income was '' when issuing the five-figure loan. It is highly irregular for a major national lender to issue a heavily inflated auto loan with a blank income field, indicating either severe underwriting negligence or that Capital One was fed fraudulent data through their dealer portal. Under the FTC Holder Rule, Capital One is subject to all claims and defenses that I can assert against the seller, XXXX XXXX. Because the core underlying contract is an absolute forgery, the loan contract itself is void from inception. I have a lot more evidence to give to the police and the Attorney General Elder Justice Unit and other organizations, but until we know more we are uncomfortable sharing more information with Capital One since they claimed they don't have more information that the few basic papers they sent. This has gone on way too long. We need answers, honest answers and what we are asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: GA

Complaint narrative:
My concern is regards to Cash App. I have open accounts with them that I have asked them to close because I thought that may have been the reason for them saying that Im not allowed to open another account. But they refuse to close the accounts and theyre trying to say that my accounts were flagged for fraudulent activity. I asked them to provide me what evidence or proof they have to support this claim and they say that they dont have to provide that if they feel they dont want to. And Ive been trying to open an account with them because I have friends and family that send me money and they cant send it to me right now because I dont have cash app. But every time I try to open an account and I put in my Social Security number they close the account immediately and I have done nothing wrong. I have not committed a fraud or anything for them to do this to me. I need someone to help me deal with this so that Im able to open another account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: CT

Complaint narrative:
I am requesting full loan rescission and a complete refund of all payments made to date regarding Loan # XXXX. I was fraudulently induced into this contract by the installer, XXXX XXXX XXXX ( acting as an agent for Solar Mosaic LLC ), through explicit misrepresentations. I was promised a {$10000.00} rebate check and a " {$0.00} electric bill, '' with assurances that solar savings alone would entirely cover the monthly loan obligation. None of these material conditions or performance guarantees were met. On XX/XX/year>, I sent a formal notice of dispute via certified mail to Solar Mosaic LLC and their counsel, which was completely ignored. Solar Mosaic LLC has since filed for XXXX XXXX XXXX ( Case No. XXXX ). Under the FTC Holder Rule ( 16 C.F.R. 433 ) and Section 15 of the signed Loan Agreement, Solar Mosaic LLC is fully subject to all claims and defenses that I could assert against the seller/installer. The installer 's fraud completely invalidates the underlying debt. I demand that the outstanding loan balance be set to {$0.00}, all prior principal and interest payments be refunded, and the UCC-1 fixture filing/lien on my home property be released immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a formal complaint against Chime for a clear violation of the Electronic Fund Transfer Act ( Regulation E ) regarding an inaccurate and contradictory dispute investigation for Claim ID : XXXX. Chime denied my fraud claim of {$79.00} for unauthorized international transactions that occurred on XX/XX/year>, stating " no billing error occurred ''. However, Chime 's own provided investigation checklist explicitly states they reviewed " Fraud alert responses related to transactions ''. Their final conclusion directly contradicts their own security logs and real-time SMS records. On XX/XX/year>, my card was compromised via a terminal exploit while I was traveling in XXXX XXXX. Chimes system automatically flagged and blocked initial massive fraud attempts at " XXXX * XXXX '' for {$1800.00} and {$790.00}. To bypass these high-dollar fraud blocks, the bad actors immediately ran smaller, rapid-fire transactions : * XXXX XXXX : The merchant forced through two duplicate, back-to-back charges of {$30.00} exactly 60 seconds apart at XXXX XXXX and XXXX XXXX PDT. One was a valid fare ; the second was an unauthorized duplicate exploit. * XXXX XXXX XXXX Removals : At XXXX XXXX, a second wave of fraud was attempted by these actors. Chime sent a real-time SMS fraud alert for charges of {$61.00} and {$18.00}. I explicitly replied " NO '' to these transactions via SMS. Chime 's automated system texted me back, explicitly confirming : " The transaction was blocked and no funds have been taken from your account ''. Despite Chime 's security infrastructure explicitly receiving my " NO '' fraud rejection and texting me a confirmation of a block, Chime erroneously allowed the {$18.00} charge from that exact flagged batch to bypass the security wall and settle on my account. Holding a consumer liable for unauthorized transactions that they actively rejected in real-time through the institution 's own fraud system is a severe breach of Regulation E. Chime possesses the SMS logs showing my explicit rejections but chose to ignore them during their automated checklist review. I demand that Chime reverse this denial and permanently credit the {$79.00} back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I call XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX and report this a AUTHORIZED ACCOUNT, AND FILE A POLICE REPORT. XXXX TOLD ME TO FILE THE AND BE CLOSING THIS AND REMOVE OUT OF MY NAME I WILL BE ATTACHING A POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello, I am requesting escalation regarding my account verification process. I understand fraud prevention procedures are important ; however, I am being denied even basic account information unless I provide copies of my drivers license, SSN card, and bank statements through mail or fax. I have already attempted standard verification and would like clarification regarding why additional documentation is required, whether alternative verification methods are available, and whether a secure upload option exists. I would also like this reviewed by a supervisor or account security specialist. They have denied me access to the account, and wont provide any balances unless I send copies of private information. They have not assisted me in the slightly and are very shady. Ive worked at financial institutions and are aware of XXXX procedures and everything they have did is high unethical. I attempted to reach out in XXXX no success and now and denying me basic information

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 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'FCRA 605 B (TITLE 15 USC 1681c-2)\n\nTHIS IS A FORMAL LETTER OF DEMAND (CEASE AND DESIST) REQUESTING THAT THIS FRAUDULENT ACCOUNT LISTED BELOW BE BLOCKED/DELETED PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT.\n\nI BELIEVE THE ACCOUNT LISTED BELOW DOES NOT RELATE TO ANY TRANSACTION THAT I HAVE MADE:\n\XXXX XXXX XXXX XXXX XXXX\n\nI HAVE ENCLOSED A COPY OF MY IDENTIFICATION WITH MY CURRENT ADDRESS AND A COPY OF MY FILED F.T.C. IDENTITY THEFT REPORT. \n\nPLEASE BLOCK OR REMOVE THIS INFORMATION FROM MY XXXX CREDIT REPORT WITHIN FOUR BUSINESS DAYS, AS REQUIRED BY FEDERAL LAW.\n\nI HAVE REQUESTED NUMEROUS TIMES THIS ACCOUNT BE VALIDATED WITH THE PROPER AND LEGAL DOCUMENTATION BY BOTH THE ORIGINAL CREDITOR AND REPORTING CREDIT AGENCY, BOTH PARTIES HAVE IGNORED MY CONSUMER REQUESTS WHICH LEADS ME TO BELIEVE THE ACCOUNT DOES NOT BELONG TO ME AND MUST BE BLOCKED OR DELETED UNDER SECTION 605B (TITLE 15 USC 1681c-2). \n\nIF YOU HAVE ANY QUESTIONS PLEASE CONTACT ME AT XXXX XXXX\n\n*UNVALIDATED FRAUDULENT ACCOUNT*\n\nTHANK YOU,\n\XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE

Complaint narrative:
I was enrolled in AutoPay with Carrington Mortgage from XXXX. I cancelled the auto pay Wednesday evening XX/XX/XXXX at XXXX. The payment was supposed to auto draft on XX/XX/XXXX. While cancelling the auto pay, the website prompted that the cancellation would not go through as I was within the three-day window of cancelling before the draft. This meant that the draft would still take place on XX/XX/XXXX. I did not make a manual payment due to risk of having two mortgage payments draft the same month. Carrington website also advised cancelling all other autopayments for this reason. Carrington did not draft the payment as indicated by the website or Carrington Terms and Conditions. This resulted in my mortgage payment being 31 days late. I did not know the payment didn't draft until XX/XX/XXXX when I made my next payment. Carrington stated in their determination letter that they were " able '' to cancel the draft ; they changed their Terms and Conditions at will resulting in a negative impact on my credit score. It was when I was applying for refinance or a new home purchase, did I discover the negative reporting. Additionally, I haven't been late with my mortgage payments for the life of the loan. Changing the Terms and Conditions at will causing a late payment on my credit is an inaccurate depiction of my credit history with Carrington and will affect any repurchase or refinancing for the next seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to formally dispute inaccurate information currently being reported on my credit report. After reviewing my file carefully, I found information that is incorrect, misleading, and not properly tied to me. These reporting errors are negatively affecting my credit and need to be corrected immediately. The information being reported does not accurately reflect my credit history, and I should not have to deal with the consequences of false or unverifiable data remaining on my report. Whether this issue was caused by mixed information, reporting errors, identity theft, or a failure to properly verify the account, the responsibility to ensure accuracy falls on the credit reporting agency and the furnisher reporting the information. Under the Fair Credit Reporting Act, all information reported must be complete, accurate, and fully verifiable. At this point, I have serious concerns about how this information was validated and why it continues to remain on my report despite the obvious inaccuracies.

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 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Brand new Chase customer, signed up only because they advertised a promotional rate for opening a new checking and savings account. Opened the account and transferred the money requested for the promo. They immediately blocked the transfer. I had to call to unblock it, and it took an hour on the phone. They told me they couldn't unblock it and they couldn't offer any help with getting the transfer to go through or re-initiating it. So basically they advertise a false promo because they prevent you from actually taking advantage of it. Then they sent the debit card without a pin. It says to activate online and create a pin, but when you go online, it says you already need to have a pin. I deposited a check and it blocked my entire account. I can't sign on online. It says to call. When I call it just asks for my address and says my account info, nothing about unlocking the account. They don't give an option to speak to a person. I kept hitting " XXXX '' and now it's saying my wait time is OVER AN HOUR. Are you kidding me???? Guess I'll be immediately closing this horrible bank and taking my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX in the morning, an unauthorized person gained access to my Wells Fargo account and added a new bill pay/payment transfer to a XXXX account without my knowledge or authorization. The fraudulent transaction was completed before I became aware of the issue. I noticed the unauthorized activity around XXXX on XX/XX/XXXX immediately after logging into my account. As soon as I discovered the suspicious transactions {$1900.00} dollers : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX {$340.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX {$330.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX {$220.00} I contacted Wells Fargo customer service the same day and reported the fraud. I also requested that a claim and investigation be opened regarding the unauthorized transfer. Despite reporting the incident immediately and explaining that I did not authorize the bill pay setup or transfer, Wells Fargo later informed me, approximately 10 days after filing the claim, that the transaction was considered valid. I subsequently received a denial letter from the bank. As a result of this fraudulent transaction and the delay in resolving the matter, my mortgage payment was impacted and became late, causing additional financial hardship and late fees. This situation has created significant stress and disruption to my finances. I am requesting a full reinvestigation of this matter, including review of the unauthorized bill pay setup, account access logs, device/IP activity, and transfer details connected to the XXXX account. I believe the transaction was fraudulent and not initiated or authorized by me. I am seeking reimbursement for the unauthorized transaction amount, reversal of related fees or damages caused by the delay, and a fair resolution to this issue.

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 2026-05-21 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: Block, Inc.
State: VA

Complaint narrative:
I was out of the country on vacation in XXXX when my card was stolen. I immediately realized that my Cash App charge has been used in the amount of approximately {$65.00}. I went onto the app to block the card from further use on XX/XX/XXXX, when I arrive back in the country, I did a dispute for the amount of {$65.00}. The next day it was declined on XX/XX/XXXX I did the appeal due this card having a negative balance. I am unaware how the transction was approved when there was no funds on the prepaid card. I do not have overdraft protection set up and any feature of the sort. Their account has been overdrawn since XXXX and it really doesnt sit well with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: TrueAccord Corp.
State: CA

Complaint narrative:
This company has reported a collection account to the major credit reporting agencies ( XXXX, XXXX, and XXXX ) without any prior written notice, without validating the debt, and without a legitimate contractual relationship.I have no business relationship with this company and have never entered into any agreementwritten, verbal, or implied. The account was posted to my credit report without my knowledge or consent. Credit accounts are the only accounts eligible for reporting on consumer credit accounts. Their actions have resulted in a significant and unjustified drop in my credit score, which has caused me to suffer : - Reduced credit limits from existing creditors - Denials of new credit applications ; - Reputational harm with legitimate financial institutions.Despite attempting to resolve the issue directly, I have received no explanation or validation of the debt. Their credit reporting practices appear to violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by : - Failing to give proper notice before reporting ; - Reporting without verifying the debt ; - Reporting a non-consumer debt as if it were a credit obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: NY

Complaint narrative:
I bank with Wells Fargo On XX/XX/XXXX I received a text from Wells Fargo asking if I recognized a charge in the amount of {$1300.00}. I immediately replied NO I Then looked at my banking app. There were three transactions from a company I did not recognize - XXXX XXXX. One of the charges was the one the bank sent the text about, and with the other two, the total was {$2900.00}. They had been made using my Debit Card ending in XXXX which I was in possession of so someone had the account number somehow. ( it has since been cancelled ) I called the bank to report the fraud and they opened a claim. I found out today my claim was Denied because it had been authorized I did not authorize this. I have never even heard of XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX but they were no help. They sent me a form to fill out but said there was probably very little they could do. I called my Mobile provider XXXX to make sure there was no malware or Phising apps on my phone. They filed a possible Spoofing alert with the FCC I am very upset with Wells Fargo that they will not honor this claim. I have banked with them for over 20 years and have never been treated like this. {$3000.00} is A lot of money to me and money I can not afford to lose. I find it hard to believe an institution as large and reputable as Wells Fargo with all their resources can not see this is fraud. Could someone please investigate?

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