vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Conduent Incorporated
State: TN

Complaint narrative:
The Way2Go program is not a good card for anyone 's money. I get child support from this card and I have to pay my daughter 's tuition with this money. I can not get any money from this card at all. The app doesn't work. The website doesn't work. And when I call them it's a run around and nothing is done. My daughter father 's job deposit money on this card every week and I can never get money from it to use. I don't know what to do. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Re : Complaint Against Comenity Capital Bank for Deceptive Credit Promotion and Failure to Honor Advertised Terms To Whom It May Concern : I am filing this complaint regarding Comenity Capital Bank ( Bread Financial ) for what I believe to be a deceptive and unfair credit promotion involving a retail credit card application. On XX/XX/year> ], I applied for a Comenityissued credit card based on an advertised promotion offering instant approval and an immediate 10 % discount on the sameday purchase. Despite having an excellent XXXX XXXX ( XXXX ) and no negative credit history, I along with other customers applying at the same time received a message stating that a decision could not be made and that I would receive a response in 14 days. Several days later, I received a letter instructing me to call the banks Account Protection Team. During the call, I was asked only to confirm a onetime passcode sent to my phone. No additional identity verification was performed. I was then told that my account was approved and that the card was being mailed. Because the bank delayed the approval process, I was denied the advertised 20 % discount, which was the sole reason for applying for the card. This appears to be a deliberate practice to avoid honoring promotional terms while still capturing new credit applications. This conduct appears to violate the CFPBs standards regarding : Unfair, deceptive, or abusive acts or practices ( UDAAP ) Truth in Lending Act ( TILA ) promotional disclosure requirements Fair advertising standards for consumer credit products I request that the CFPB investigate whether Comenity Capital Bank is systematically delaying approvals to avoid providing promotional discounts and whether their instant approval advertising is truthful and compliant with federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Lendbuzz Inc.
State: CA

Complaint narrative:
INCIDENT LOG : 1. XXXX XXXX ( XX/XX/year> ) : Financed through Lendbuzz. Paid {$2000.00} down. Vehicle was repossessed the next day. Dealer stole my {$2000.00}. 2. XXXX XXXX XXXX ( XX/XX/year> ) : Financed through Lendbuzz. Paid {$2000.00} down. Vehicle was repossessed after 3 days. Dealer stole my {$2000.00}. 3. XXXX XXXX ( XX/XX/year> ) : Financed through Lendbuzz. Paid {$2000.00} down. Same pattern repeated. Total stolen : {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Chowder, Inc.
State: HI

Complaint narrative:
I am an XXXX member of the XXXX XXXX XXXX XXXX currently serving under XXXX XXXX orders beginning XX/XX/XXXX. On XX/XX/XXXX I entered into a lease-purchase agreement with Chowder, Inc. for an XXXX system installed at my residence. According to the contract, the estimated cash price of the system is approximately {$10000.00}. However, the total payments required to obtain ownership under the agreement equal approximately {$28000.00}. This structure results in payments that are nearly three times the stated value of the equipment. The company states that the agreement is a lease and not consumer credit, and therefore they deny applicability of protections for servicemembers. However, the economic structure appears similar to installment financing for home equipment, where ownership transfers after completion of payments. The agreement also contains a mandatory arbitration provision and other terms that appear to waive certain legal remedies. As a servicemember, I am concerned about whether this structure is being used to avoid protections intended for military borrowers. I am requesting that the Consumer Financial Protection Bureau review whether this lease-purchase agreement functions as consumer credit and whether the disclosures and terms comply with applicable consumer protection laws. I am also requesting a full accounting of payments made, the remaining balance, and clarification of my rights under federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per 15usc 1611 TransUnion is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency.

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 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/XXXX I went to the Apple XXXX to purchase an XXXX XXXX with my Apple Card. My Apple Card has {$6500.00} of useable credit for purchase. My card was declined on the first attempt. The card was charged 9 more times with other store associates joining in to help. I called Apple Card to let them know Im attempting to make a purchase and was told that due to the excessive amount of attempts I have to wait 7-10 business days. On XX/XX/XXXX I went back to the Apple XXXX and this time I attempted to make a large purchase with other items including the phone just to get everything out the way that I needed in order to make work a bit easier for me. I once again was declined. After attempt XXXX XXXX I called Apple Card and was told that I was restricted again. I asked for the reason and was told it was because of the first attempt even though I waited 10 days as instructed. On XX/XX/XXXX a supervisor called by the name of XXXX and told me the restriction was lifted and my card was available for use. I waited a few days more just to be sure. On XXXX Im back again at the Apple XXXX and the same scenario plays out and Im unable to make the purchase due to a restriction on the card. I was not given further information. I asked to speak to a supervisor and was told one would call back during the restriction period. I spoke to a supervisor by the name of XXXX the same day and she said I should try again because the card would be available for use in 5-7 business days. On XXXX I called Apple Card to explain what was happened and was transferred to Apple Card Security department. The agent informed me that the restrictions placed the first time was never cleared and she would clear them. Once she confirmed the restrictions were cleared she said wait 24 hours and my card would be available for use. She also said to call and ask for security prior to making the purchase. I visited the Apple XXXX again on XX/XX/XXXX and was declined yet again for purchase while I had the security department on the line. I asked for a supervisor and after 15 minutes of holding a supervisor came on, read the same script about waiting 7-10 days myself snd the Apple XXXX associate was trying to interrupt and speak but they continued to speak as though it was an automated message and the phone disconnected after the speech. Here is what prompted me to reach out to you. The restricted Apple Card is able to clear for very small purchases during the entire time of this nightmare. In fact on XX/XX/XXXX I made a purchase for {$7.00} and it went through. Lastly when you look at my transactions it does it show that the card was declined. It is clear that Apple Card refuses to allow my transaction to go through although Ive make other large purchases and was never late and I have a pretty good credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: AR

Complaint narrative:
These two companies XXXX XXXX XXXX and Sequium Assets Solution scammed be out of {$81.00} combined. I paid {$40.00} each to both companies for a debt that was never there. After the first incident with XXXX XXXX XXXX I paid out of ignorance thinking that this maybe how the clinic is now doing business, but after Sequium Asset Solutions called requesting the same debt. I figured something was up, but I paid anyway in case I was missing something. I called the clinic afterward and they told me there was never any debt and nothing was ever sent to collections. They would send a bill in the mail first if there was a debt before sending anything to collections. I always pay my bills on time everytime. I was angry at this point because whomever sent these companies information about me gave them false information because it didn't come from the clinic and I want my money back. I have contacted a lawyer as well as major news networks to get this information out to the public.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXXXXXX I received an email from Chime stating that a 1099-INT for an account bonus earned in XXXX XXXX for account # XXXX would be mailed to my address on file. They could not send it electronically because my account was closed in XX/XX/XXXX. I called on XX/XX/XXXX to request they send out the 1099-INT because they never sent it despite claiming it had been sent. I have USPS mail preview, so I know this for a fact. They repeatedly prompted to re-open my account as a condition to get my 1099, but I declined and simply asked, repeatedly, that they mail it to me. They instructed me to call back again if I had not received it by XX/XX/XXXX. As of XX/XX/XXXX I had still not received, I called again on XX/XX/XXXX. Again, the rep kept insisting I re-open my account as a condition to get the 1099-INT. Again, I declined. Ultimately, I was transferred to a supervisor who asked me a bunch of questions and said he was submitting a form to request the 1099-INT be sent to me. He stated that I would receive it in 7-10 days. As of today, XX/XX/XXXX, I have still not received the form they were legally required to send out by XX/XX/XXXX. Every time I call they try to force me into re-opening my account and fail to provide the 1099-INT by mail or electrnically. My annual tax filing has been held up by 1.5 months simply waiting for the 1099-INT from Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: AR

Complaint narrative:
These two companies XXXX XXXX XXXX and XXXX XXXX XXXX scammed be out of {$81.00} combined. I paid {$40.00} each to both companies for a debt that was never there. After the first incident with XXXX XXXX XXXX I paid out of ignorance thinking that this maybe how the clinic is now doing business, but after XXXX XXXX XXXX called requesting the same debt. I figured something was up, but I paid anyway in case I was missing something. I called the clinic afterward and they told me there was never any debt and nothing was ever sent to collections. They would send a bill in the mail first if there was a debt before sending anything to collections. I always pay my bills on time everytime. I was angry at this point because whomever sent these companies information about me gave them false information because it didn't come from the clinic and I want my money back. I have contacted a lawyer as well as major news networks to get this information out to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I submitted a Borrower Defense to Repayment application to the U.S. Department of Education regarding my federal student loans related to XXXX XXXX XXXX XXXX. My application was submitted prior to XX/XX/year>, and the status has remained In XXXX since that date. I have been waiting more than XXXX years for a decision on my application. I requested an update from the Department of Education regarding the status of my case and the expected timeline for review, but I have not received a clear response or resolution. Because of the extended delay, I am requesting assistance in obtaining a status update and resolution of my XXXX XXXX claim. I would like the Department of Education to complete the review of my application and provide a determination or timeline for relief related to my federal student loans associated with XXXX XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>XXXX I wired {$4400.00} form my XXXX XXXX account to sellers account at Wells Fargo this wire transfer was for a truck load of appliances that were never received. The seller claimed the shipment was stuck in customs, which cant be true as the shipment was coming from Michigan to NJ. Then they claimed they sent the refund which then I was told it didnt go out. Then I was told it went out via XXXX with a tracking number which was from XXXX, NC. It also was a false claim

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 2026-03-13 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: Block, Inc.
State: MA

Complaint narrative:
Yesterday, XX/XX/year>XXXX and aint got the name of XXXX XXXX hacked in scam my Cash app account. My Cash app account was linked to my debit card and he made few transactions that took out large amounts of money at consecutive times transaction XXXX and the amount of {$350.00} at XXXX transaction XXXX XXXX {$360.00} transaction XXXX {$290.00} transaction for XXXX XXXX Cash app scammer try to give me back {$200.00} out of my {$900.00} and something that he took for me out of my debit account. I have made a police report. I have reported it to the department the consumer federal bureau. I am going to also contact the fair trade commission about this matter. I do understand that cash app and under a major XXXX, XXXX lawsuit because this is not the only person I am not the only person that this is happening to this happening to XXXX people across the world

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
I fell behind on payments to my XXXX XXXX in XX/XX/year> after I left a 9 year job in finance and was trying to find new work. XXXX had the car repossessed, to which I responded in kind with full payment the following week. The company did not provide instructions on how to pick up my car, they only provided a phone number to the 3rd party they hired to take the car. After finding that 3rd party 's location, paying additional, non-verifiable fees, and receiving my car back, XXXX charged me additional fees pertaining to " handling of 3rd party repossession fees. '' I explained I already paid these additional fees on site, to which they denied. I requested an itemized statement, to which they verbally denied to send over the phone. I informed them if they can not produce itemization for the fees within the required 30 day timeline, then the acct will be in dispute. They have never provided such details.

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 2026-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Global Lending Services LLC
State: SC

Complaint narrative:
I had the vehicle drove for XXXX miles, got frequent oil changes, and the engine blew up, because of a recall in this model car, Global lending services told me there was nothing they could, because the manufacturer told me because it was made in XXXX it didn't fall under recall. That's the first I heard of that. So Global lending refused and the Manufacturer refused to help me I told them to come get their car. Would have been the first car I paid off, so leaving a balance of {$7200.00}.

Company response to consumer: Closed with explanation