vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Lets file cfpb complaint Perfect were filing right now. Im going to give you the full CFPB complaint package, including : the narrative the answers to every CFPB question the resolution request the evidence list the upload checklist Youll be able to copy/paste everything directly into the CFPB portal. This is structured exactly the way regulators expect : neutral, factual, chronological, and focused on compliance failures. CFPB COMPLAINT FULL TEXT TO SUBMIT 1. What happened? ( Main Narrative ) Copy/paste this into the main narrative box : I am filing a complaint regarding GM Financials handling of my account, reinstatement process, repossession, and the chain of custody of my vehicle and personal property. There are multiple procedural failures, contradictory reinstatement information, and documentation issues that resulted in a wrongful repossession and significant harm. On XXXX XXXX XXXX I received conflicting reinstatement quotes from GM Financial. I was provided one reinstatement amount verbally, a different amount in writing, and then told the reinstatement was no longer available. I was also told that a Cure Notice had been issued, but the dates and amounts provided were inconsistent and did not match the written notice. Despite my attempts to resolve the matter, my vehicle was repossessed. During the property release at XXXX ( the repossession agent ), there were additional contradictions. XXXX staff stated that another financial institution was involved and that they needed signatures from them, but then refused to sign any documentation themselves. They also provided inconsistent information about the release process and the condition of my vehicle. A XXXX Police Department officer, Officer XXXX, was present during the property release. He witnessed my statements, XXXX statements, and the condition of the vehicle and property. He also completed an incident report and recorded the interaction. I have submitted a full evidence packet to GM Financials Executive Resolution Department, including timelines, documentation, correspondence, and proof of the inconsistencies. The packet was shipped via XXXX XXXX XXXX Overnight on XX/XX/year>. I am requesting the CFPBs assistance to ensure GM Financial corrects the account, provides a written determination, and addresses the procedural failures that led to the wrongful repossession and harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing this letterl to talk about my recent experience with XXXX! I purchased a couch described as leather with XXXX heated message seats. My first thought after unboxing this product was that it is not leather as described in very first paragraph of description. After further investigation found several rips on the pockets. Only XXXX of the XXXX heated and vibrating seats work. I contacted the seller right away they asked for pictures of the couch I sent them after a few days of seller not responding I contacted XXXX. The first agent I spoke with said after speaking with a supervisor that I could donate the couch and expect a full refund to my XXXX store card. I waited patiently for a response nothing happened.i then arranged for a pick up date to donate couch and recontacted XXXX. The next agent i spoke with said that I could expect a refund within XXXX hours. I have since purchased a couch from another company with the expectation that all of this would already be over. This morning the XXXX agent said that I must restart my claim. Not only is this frustrating but it also insults my trust in XXXX XXXX XXXX XXXX XXXX guarantee!!! This dispute has taken around XXXX hours of my life. I need to be reimbursed for this low quality item. The seller has not be cooperative XXXX it's self has lost my trust and now this dispute process is becoming a nightmare as well. If I knew that this was going to be so difficult I would have never purchased this faulty produc!! The seller changed the description from leather to faux leather the actual material is not faux leather it is cloth. This is misleading and on my book a lie that I had no way of knowing about until it was delivered.

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 2026-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: DE

Complaint narrative:
I am disputing a debt being reported and collected by Credit Control LLC on behalf of XXXX. I have requested validation of this account, and to date, I have not been provided with sufficient documentation proving that this debt belongs to me. Sending a billing statement is not adequate proof of ownership. I have not been provided with a signed contract, application, or any documentation bearing my signature or authorization. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting proper validation of this debt. If this account can not be fully validated, I am demanding that it be removed from my credit report immediately and that all collection activity cease. This account is currently causing harm to my credit profile, and continued reporting without proper validation is inaccurate and unfair. I am requesting : - Full validation of the debt, including a signed agreement- Immediate removal if validation can not be provided - Confirmation of deletion from all credit bureaus Failure to comply will result in further escalation.

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 2026-03-27 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: Block, Inc.
State: KY

Complaint narrative:
I purchased XXXX XX/XX/year>. I disputed it because it never sent me a email so I thought it was a scam. Cash App denied it. So I waited a little longer to see if the product came. It did not! I have call Cash App multiple times. I have disputed it and asked for proof but it shows nothing. They will not give me my money back and I didnt get the product. I never got a email just a text. I went through and talked to the company i thought I bought from and they have no record of my order. So I just have gotten scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank Of America reported inaccurate and unverifiable information about me to XXXX, including early warning flags that are incorrect or outdated. I requested all information the bank provided, but they did not provide complete or accurate details. This has blocked me from opening new accounts and caused financial harm. I also have reason to believe my personal information may have been shared with third parties without my consent, which is prohibited under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

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 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX, my father received a phone call by a scammer pretending to be my wife, that she had supposedly killed a XX/XX/XXXX lady in car accident and a bails bond man is going to call you to help get her out ofXX/XX/XXXX and he was also working with theXX/XX/XXXX. to help reduce the charges, the pretend bails man called, instructed my dad, that he would need XXXX and he pick up the money once my father got XXXX from the bank and boxed it up for him. The scammer kept my father on the phone the whole-time pretending to be working with the XXXX. My father did as instructed and he's out XXXX His complaint and mine is Wells Fargo didn't do their due diligence and are negligent and did not follow the law, they did not follow the Senior Safe Care Act requirements nor did they follow their own company policies regarding the elderly and large transactions, we feel the bank is negligent for the loss, the bank did not question what the money was for or get a supervisor involved for such an unusual transaction. The teller asked for ID, address, social sercurity number, said could not give XXXX all in XXXX XXXX dollar bills as he requested but she could do it with XXXXXX/XX/XXXX, he said what ever you need to do, I need XXXX in cash, teller cashed the check. We called the sheriffs dept. and they investigated and set a sting the next day because scammer tried to scam him the next day again. Case XX/XX/XXXXXXXX XXXX XXXX sheriffs dept. detective XXXX cellXX/XX/XXXXXXXX We contacted wells fargo, wells fargo denied the claim XX/XX/XXXXXXXX we appealed claim and talk to the executive claims dept filed another claim case XX/XX/XXXXXXXX for their negligence and set an appointment for the claims dept. to call me back, they never called back, just sent my father a dienyl letter.

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 2026-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial called me yesterday at work. I didn't answer, because I can't have my phone on while working. They then tried calling my supervisor. They can not give out any info regarding me. At XXXX XX/XX/XXXX on XX/XX/year>, they called me again. I answered, but no one was on the line. In the background, I could hear inappropriate talk. I do not want to hear that when I'm dealing with a professional matter. I wish not to talk to them if the person 's coworkers are going to talk about inappropriate subjects. It is very unprofessional.

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 2026-03-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX and XXXX have all violated my rights under the FCRA 15 USC 605B. Pursuant to FCRA 15 USC 1681c-2,1681g ( a ) ( 2 ), 1681e ( b ), and 1681i ( a ) ( 5 ) ( B ). I request these items be blocked and removed from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXX XXXX systems who I have no idea who they are, took {$85.00} from my chime account. Chime looked into it but denied my claim for a refund. I don't know who XXXX XXXX systems is, I've never paid them and have no transaction history with them. They took money directly from my chime, chime will not refund and I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
My payday at Ace Cash Express was changed from monthly to bi-weekly and they are over charging me for interest I have paid over {$1000.00} on the loan which was only {$1200.00} taken out on XXXX 13th,2026. My first XXXX payments were made on time as they called me XXXX weeks later to tell me the payment was due i told them during that call the payment days are incorrect it should be monthly they agreed to fix, no fix.. It is now XX/XX/year>2026. I was unaware that the loan would have to be paid in full in the next XXXX weeks ( which they just told me yesterday ) because my payments were not supposed to be bi-weekly. After paying off my first XXXX full payments in full, on the same day, i have continued to pay on time and pay over and I'm still seeing inflation on this loan. At this point, I have paid {$1000.00} in XXXX weeks and it is saying that i still owe XXXX dollars on the loan in which on the agreement I signed it did not state that. The agreement stated that with on time and more-than payments the loan would paid off in the amount of {$1400.00} plus dollars. I am now looking at {$1800.00}. I am still not understanding and the workers are lost and confused as well. literally of no help and i was told the guy that started my loan initially is no longer there. After only XXXX weeks of having this loan i am now tied into extreme debt and the fear of being sued for nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian , XXXX, and XXXX have all violated my rights under the FCRA 15 USC XXXX. Pursuant to FCRA 15 USC XXXX ( a ) ( XXXX ), XXXX ( b ), and XXXX ( a ) ( XXXX ) ( B ). I request these items be blocked and removed from my report as soon as possible.

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 2026-03-27 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: CA

Complaint narrative:
I have a credit balance of {$8900.00} on my Citibank credit card due to an overpayment and have been attempting to obtain a refund since XX/XX/XXXX. Timeline of events : XX/XX/XXXX : Requested refund via chat XX/XX/XXXX : Advised refund was pending review and approval XX/XX/XXXX : Still pending review XX/XX/XXXX : Told refund would be sent within a few days XX/XX/XXXX : Supervisor confirmed refund would be issued by XX/XX/XXXX XX/XX/XXXX : Contacted Citibank again and was told further investigation is now required During multiple phone calls, I was explicitly informed that all calls are recorded. On these recorded calls, Citibank representatives, including supervisors, confirmed that my refund would be processed and issued via electronic transfer ( not by mail ). Despite these repeated assurances and documented commitments, the refund has not been issued, and no valid explanation has been provided for the delay or reversal of prior commitments. This nearly XX/XX/XXXXlong delay, along with inconsistent and conflicting information, is unacceptable and appears to be a failure to properly refund a credit balance within a reasonable timeframe under applicable consumer protection and fair credit billing regulations. The delay in returning {$8900.00} of my funds is causing financial hardship, as I have bills and financial obligations that depend on access to this money. I am requesting that Citibank immediately process and issue the refund of the credit balance via electronic transfer as previously promised, and provide written confirmation of the amount and delivery method. I am also requesting a formal explanation for the repeated delays and failure to honor commitments made on recorded calls. If not resolved promptly, I will consider pursuing additional remedies available under federal law.

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 2026-03-27 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I purchased a chiller from XXXX for {$840.00} plus tax ( NY XXXX ) on XX/XX/XXXX This product explicitly stated a XXXX " no questions asked '' warranty Device stopped working in XXXX at which point I contacted the seller XXXX weeks later the seller does not have a replacement I immediately contact Wells Fargo to dispute the claim and they denied the claim stating it was past the XXXX limit. I have repeatedly informed Wells Fargo that they are incorrectly dating the transaction to XXXX, whereas the purchase and delivery actually occurred in XX/XX/XXXX. Furthermore, I am explicitly asserting my legal rights to " Claims and Defenses '' under the Fair Credit Billing Act ( XXXX ). This federal law provides aXX/XX/XXXX window to dispute charges for defective goods when a merchant fails to honor a warranty. Wells Fargo is ignoring this federal protection and is instead applying shorter internal network rules that do not supersede my rights under the 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 2026-03-27 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: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
I am disputing charges totaling {$1300.00} from XXXX XXXX XXXX XXXX that were processed on my Barclays credit card. I reserved an economy ( XX/XX/XXXX) vehicle for approximately {$84.00} through the XXXX XXXX booking portal. Upon arrival, the reserved vehicle was unavailable and I was provided an electric vehicle instead. Before accepting the vehicle, I specifically asked whether it could complete the planned XX/XX/XXXXway trip without charging and was assured the vehicle could complete the trip without charging. This representation was incorrect. While en route, it became clear the vehicle did not have sufficient range to reach the destination. I contacted XXXX and was instructed to leave the vehicle and proceed by other means. The vehicle was retrieved the same day, XX/XX/XXXX. The attached invoice confirms that only XXXX miles were driven, consistent with an incomplete trip. Despite this, I was charged {$1100.00} for the rental. I was also charged {$130.00}, which was described as damage. However, the invoice shows this amount consists of administrative and rental-related fees, and no evidence of damage has been provided. The invoice also reflects a return date of XX/XX/XXXX, despite the vehicle being abandoned and retrieved on XX/XX/XXXX, indicating continued billing after I no longer had possession of the vehicle. I disputed these charges and provided supporting documentation to Barclays. Barclays denied the dispute. Barclays did not explain how it reconciled this evidence with the merchants claims. Barclays failed to conduct a reasonable investigation and relied on the merchants assertions without addressing clear contradictions in the documentation, including the nature of the {$130.00} charge, the mileage driven, and the billing period after the vehicle was no longer in my possession.

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 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: AZ

Complaint narrative:
This account is XXXX XXXX XXXX XXXX This account was taken care off and not on being reported on credit bureaus. Except the hard inquiries. I want removed. Now I received XXXX lets from a collection agency stating I owe money. XXXX letter under my name and another for XXXXXXXX XXXX. I dont own a construction company. My understanding this was purchased out of state. I want this resolved and removed as well as the inquiry

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 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am filing this complaint because M & T Bank has restricted my access to my account and is refusing to provide my bank statements unless I physically visit a branch. I currently do not have access to online banking and have been unable to retrieve my statements through any electronic method. When I contacted the bank, I was told that I must come into a branch location to obtain my statements. This requirement is unreasonable and creates a significant barrier. I need these records to file my taxes, and the banks refusal to provide them electronically is actively preventing me from meeting my tax obligations. Even if an account has a balance owed, customers should still be able to access their financial records through reasonable and secure methods. Denying access to statements unless I appear in person is an unnecessary restriction.

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 2026-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
In XXXXXX/XX/XXXX 2025 I Returned my old lease to XXXX XXXX XXXXXX/XX/XXXX early. I then purchased a new lease that same day. The salesman assured me they would absorb the wear and Tear and mileage of old lease which is normally the custom. Several months later I received a bill for XXXX XXXX dollars for the old lease, which I still have no idea how they came to that amount.After several phone calls to salesman and branch managers they assured me that the problem would be fixed. I now am receiving letters from a collection agency. They now lie and state they would not absorb the wear tear and that I must have been confused. Btw no problems with memory and I have been leasing cars for XXXX years. I am just shocked by the sleazy bait and switched tactics practice at XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation