vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bilt Technologies, Inc.
State: IL

Complaint narrative:
Hello, I am reaching out regarding my Bilt Mastercard 2.0 application, which has been under review for over six weeks following an identity verification issue that required me to resubmit my application. Since resubmitting, the status has remained under review, and each time I have contacted support I have only been advised to continue waiting. At this point, the timeline is far beyond the typical manual review period. Could you please escalate my application to the Cardless underwriting or identity verification team and confirm whether my application is still active in the underwriting queue or if it has expired in the system?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: OR

Complaint narrative:
XX/XX/year> dispute opened XX/XX/year> Goldman Sachs card stated that nothing can be done for 1-3 months XXXX XXXX requested a {$250.00} refund for a cancelled application and threatened to file a CFPB complaint. XXXX XXXX XXXX XXXX XXXX AZ agreed to refund {$250.00}, but XXXX initiated a chargeback, causing funds to be withdrawn pending resolution. XXXX XXXX Manager stated the refund is now handled by XXXXXXXX XXXX credit card company due to the chargeback. XX/XX/year> NO RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX took {$3000.00} in cash and charged an additional {$3000.00} to my card. Two days later, they said the loan contract wasnt completed, but they kept the money and sent a tow truck to repossess the car.

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 2026-03-06 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: MD

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

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 2026-03-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZuntaFi Corp
State: GA

Complaint narrative:
I am filing a complaint against ZuntaFi regarding a private education loan they are reporting on my credit report. This loan was issued for an educational program that I enrolled in, but I was prevented from completing the program because the school blocked my access and did not allow me to continue the education services that the loan was meant to cover. Because I was unable to complete the program and the educational services were not fully provided, I believe this debt is invalid. Despite this situation, ZuntaFi continues to report this account on my credit report and is attempting to collect a balance of approximately {$3300.00}. This negative reporting has significantly damaged my credit and continues to affect my ability to obtain credit. I have attempted to dispute the account and request verification of the debt. I am requesting that ZuntaFi investigate this matter, provide full verification of the debt, including proof that the educational services were fully delivered, and correct or remove the account from my credit report if they can not verify the legitimacy of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding my auto loan account with CarMax Auto Finance. XXXX 2025 My loan account appears to have gone into default due to several payments being rejected. However, I was not notified that these payments were rejected or that the account was being placed into default status. XX/XX/XXXX2025 I received a right-to-cure notice and made the payment required to cure the loan. XX/XX/XXXX2025 After making the cure payment and retrieving the vehicle from the recovery lot, I signed a statement confirming the vehicle had no damage when released to me. I was told CarMax would provide documentation regarding the loan status, but I did not receive any paperwork or explanation regarding my account. XX/XX/XXXX2025 A prorated refund from the cancellation of my XXXX warranty was sent to CarMax Auto Finance and applied toward the remaining balance. XX/XX/XXXX2025 I received a settlement offer from CarMax Auto Finance and contacted them to ask why the loan had been closed or charged off after I had cured the loan. I did not receive a clear explanation nor any explanation at all and was told it was possibly an administrative error that had not corrected itself. XX/XX/XXXX2025 A repossession company attempted to pick up the vehicle and caused property damage and bodily harm to my mother. I filed a claim which was later rejected. XX/XX/XXXX2026 CarMax Auto Finance contacted me. This was the first time I was informed that the account had been charged off due to payments that had previously been rejected. I requested documentation explaining the account status. XX/XX/XXXX2026 I finally received a detailed list of payments showing that payments had been rejected earlier in 2025. I was never notified at the time these payments were rejected, and I did not receive written notices explaining the account default or charge-off. CarMax representatives have stated that I was notified by phone, but they have not provided documentation or call records confirming that notification. I am requesting that CarMax Auto Finance investigate this account and provide documentation showing all notices sent to me, including any notice of rejected payments, default notices, and repossession notices. I also request a fair resolution and correction of any inaccurate reporting related to this account. Because I cured the loan after receiving the right-to-cure notice and was not notified of rejected payments, I am requesting a full investigation into whether my account was properly serviced and whether the charge-off and credit reporting are accurate. I believe there may have been a loan servicing error with my auto loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: CA

Complaint narrative:
I paid to stay at the XXXX XXXX in XXXX from XX/XX/XXXX - XX/XX/XXXX. For a seminar I had to take. I was asked to leave the motel on the XXXX. Supposedly because I smoke. Well I don't smoke. Ends up the XXXX XXXX is jealous of my XXXX talking to the XXXX XXXX. XXXX XXXX told my XXXX I'll kick you and your XXXX out. My XXXX wasn't even staying there with me. Needless to say, I couldn't finish my needed seminar. Now I have to start all over again. Wells Fargo credited me XXXX when they promised the XXXX. XXXX need the rest to retake my seminar. I called the XXXX department. The man on the phone said " I did stay the night '' he didn't even stop and listen to what and why I'm disputing the full amount. Please help me Thank you in advance 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 2026-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Subject : CFPB Complaint Identity Theft and Demand for Immediate Removal of Fraudulent Account To Whom It May Concern, I am submitting this complaint regarding fraudulent financial activity resulting from identity theft. I have already filed an official Identity Theft Report with the Federal Trade Commission through XXXX ( FTC Report Number : XXXX ), confirming that my personal information was used without my authorization. As a result of this identity theft, a XXXX XXXX checking account and related transactions were opened in my name without my knowledge or consent. I did not apply for, authorize, or benefit from this account in any way. The account is fraudulent and the result of criminal misuse of my personal information. I have taken immediate steps to protect my identity and have disputed this account with the relevant institutions and consumer reporting agencies. Despite these actions, the fraudulent account and related information have continued to appear, which has caused significant financial hardship and damage to my credit profile. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the protections provided to victims of identity theft, I formally demand the following : 1. Immediate investigation of the fraudulent XXXX XXXX checking account. 2. Permanent removal of the fraudulent account and any related reporting from all consumer reporting systems and internal records. 3. Correction and removal of any personal identifying information connected to this fraudulent activity. Because this account resulted from confirmed identity theft and is supported by an FTC Identity Theft Report, I respectfully demand that the fraudulent account and all related information be removed within four ( 4 ) days of receipt of this complaint. If the account is not removed within this timeframe, I will pursue additional remedies available under federal consumer protection laws and continue escalating this matter with regulatory authorities. I request written confirmation once the fraudulent account and all associated reporting have been permanently deleted. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2026-03-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello I am writing to formally dispute a fraudulent account that appears on my credit report. This account is listed as XXXX with balance of {$26.00} and it was opened on XX/XX/year>. I did not apply, authorize or use this credit card at any time and its the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: FC HoldCo LLC
State: NV

Complaint narrative:
I purchased this vehicle brand new. I only had the car for about 9 months to 1 year before the engine had an issue. Most importantly, I had bumper to bumper full coverage. They would not fix the problem. I never been late/ missed payments, voluntarily returned

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Act as a consumer law attorney and draft a formal dispute letter to LVNV Funding, LLC, demanding verification of an alleged debt pursuant to 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) and UCC $ 9-208 ( Uniform Commercial Code ). Expound in detail on the legal requirements of each of these codes, explaining how they apply to debt collection practices. Cite relevant landmark court cases that support the consumer 's right to dispute and request verification of a debt. Use clear, concise, and formal legal language throughout the letter. Specifically, request that LVNV Funding provide documentary evidence that substantiates their claim to the debt, including proof of assignment, original creditor details, and a chain of ownership. Additionally, demand that LVNV Funding submit an affidavit under penalty of perjury affirming that they hold valid legal rights to the alleged debt. The letter should be strongly worded, but professional, and should reference both the consumer 's legal rights and the potential consequences for failing to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Universal Account Servicing, LLC
State: CA

Complaint narrative:
I financed a purchase of an XXXX XXXX XXXX XXXX XXXX XXXX XXXX scent diffuser through Universal Account Servicing , LLC in XX/XX/XXXX at $ XXXX for 36 months. I have XXXX XXXXXXXX XXXX XXXXXXXX and use pXXXX XXXX XXXX nightly. The diffuser interferes with my XXXX use, making it medically unusable. My treating XXXX confirmed this in writing on XX/XX/XXXX and recommended immediate discontinuation. The loan agreement describes a 30-day trial period. The product was delivered XX/XX/XXXXXXXX per the company 's own shipping confirmation. However billing began XX/XX/XXXXXXXX only 22 days after actual delivery before the trial period concluded. I formally notified Universal Account Servicing of this dispute on XX/XX/XXXX. They opened a support ticket acknowledging receipt but have not suspended billing, confirmed dispute status, or offered cancellation. I am not seeking a refund. I am requesting termination of all future payment obligations and account closure at XXXX balance before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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:
Hello, so on XX/XX/XXXX2026 at about XXXX pm I was at a Wells Fargo bank branch ATM location XXXX XXXX XXXX, Citrus Heights, CA XXXX to deposit some funds. I had about XXXX $ on me and that I wanted to deposit at once, I went ahead and scanned my card and tried to deposit my money, when I put the money into the atm at the last second I noticed there was still a rubber band around the bills but it was already to late to pull it out. I didnt think much of it and thought normally it would just open back up if it noticed something was there. I was wrong, the atm started to count the money and went on to do so for about a minute. After the minute the atm money slot opened up with the money jammed inside of the machine with a few bills that it was able to spit back out. I was able to get back some of the bills that were crumpled up thinking it would spit the rest out after another cycle. The deposit slot closed back up after I got some of my bills and the atm just threw me out of the system as if I was done with my turn and never offer a receipt option or anything else. I immediately checked how much I was missing and it was XXXX $ exactly. A few minutes of being confused on what had just happened I called the bank claims and opened up a claim with Wells Fargo. So after that the claim was under investigation for almost 2 months with no luck. I just received a letter in the mail saying the claim was denied and pretty much there is nothing else I can do now after calling the claims line. I have been banking with them for over 14 years & never thought I would be treated like this. I scheduled an appointment with a banker after receiving the denial letter to resolve this issue and they were also no help, I was told they can not provide me with atm log or camera footage of that incident. Please help.!!!

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 2026-03-06 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: CA

Complaint narrative:
I am filing this complaint regarding fraudulent accounts appearing on my credit report that were opened when I was a minor and without my knowledge or consent. I have already submitted disputes to the credit reporting agencies along with extensive supporting documentation, including a Federal Trade Commission Identity Theft Report and a XXXX XXXX Police Department identity theft report. These documents clearly establish that I was a victim of identity theft. The fraudulent accounts include : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These accounts were opened while I was under the age XXXX XXXX and therefore could not legally enter into a credit contract. Under the Fair Credit Reporting Act ( FCRA ), reporting accounts opened by a minor is inaccurate and unlawful. Additionally, the creditors themselves have confirmed in writing that these accounts were fraudulent and were opened in the name of a minor. The creditors have also stated that they have notified the credit reporting agencies through the e-OSCAR system to delete the accounts. Despite this clear evidence, the credit reporting agencies have either failed to properly delete the accounts or allowed them to be reinserted after prior deletions, which is a violation of the Fair Credit Reporting Act. Under FCRA 605B and 611, once a consumer submits a valid identity theft report, the credit reporting agencies are required to block the fraudulent information from appearing on the consumers credit file and may not reinsert the information unless they can certify its accuracy. Allowing accounts opened when I was a minor to remain on my credit report is factually incorrect, legally impossible, and damaging to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: AL

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Novo Platform Inc.
State: IN

Complaint narrative:
My business checking account was frozen without prior notice or explanation. When attempting to initiate a transaction, I received the error : " Transaction Denied : we are currently unable to initiate this transaction for you as your account is under review by our banking partner. '' I contacted XXXX support multiple times through their ticketing system. After XXXX separate responses over several days, I received no explanation for the freeze, no list of required documents, and no estimated timeline for resolution. Each response stated only that no information can be provided and no action can be taken until the investigation is complete. I offered to provide any documentation required but received no response to that offer. The account holds {$4300.00} in business funds that I can not access, causing direct financial harm to my business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding fraudulent accounts appearing on my credit report that were opened when I was a minor and without my knowledge or consent. I have already submitted disputes to the credit reporting agencies along with extensive supporting documentation, including a Federal Trade Commission Identity Theft Report and a XXXX XXXX Police Department identity theft report. These documents clearly establish that I was a victim of identity theft. The fraudulent accounts include : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These accounts were opened while I was under the age XXXX XXXX and therefore could not legally enter into a credit contract. Under the Fair Credit Reporting Act ( FCRA ), reporting accounts opened by a minor is inaccurate and unlawful. Additionally, the creditors themselves have confirmed in writing that these accounts were fraudulent and were opened in the name of a minor. The creditors have also stated that they have notified the credit reporting agencies through the e-OSCAR system to delete the accounts. Despite this clear evidence, the credit reporting agencies have either failed to properly delete the accounts or allowed them to be reinserted after prior deletions, which is a violation of the Fair Credit Reporting Act. Under FCRA 605B and 611, once a consumer submits a valid identity theft report, the credit reporting agencies are required to block the fraudulent information from appearing on the consumers credit file and may not reinsert the information unless they can certify its accuracy. Allowing accounts opened when I was a minor to remain on my credit report is factually incorrect, legally impossible, and damaging to my credit profile.

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