vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am submitting this additional complaint because Marcus by Goldman Sachs provided an inaccurate and misleading response to my original CFPB filing. I am now including direct screenshot evidence from MarcusXXXX own system that confirms my eligibility for the savings bonus promotion. 1. The Marcus tracker explicitly confirmed my eligibility. After I enrolled in the promotion and deposited the required funds, the Marcus website displayed the following message : Maintain your funds until XX/XX/year>XXXX to earn your cash bonus! I am attaching the screenshot showing this message. This tracker only appears when a customer has successfully met the deposit requirement and has officially entered the 90day maintenance period. MarcusXXXX system would not display this message unless I had qualified. 2. The tracker later disappeared, which is a system errornot a change in eligibility. After confirming my eligibility, the tracker vanished from my account. Marcus has not provided any explanation for why their system placed me into the maintenance period and then removed the tracker. This disappearance is a known glitch and does not negate the fact that their system already confirmed I qualified. 3. My account balance is over {$53000.00}, which exceeds the required threshold. Marcus is now telling me I must keep funding the account, even though my balance is {$53000.00}, which is above the {$50000.00} requirement for the {$750.00} bonus. Their own written response acknowledges that I restored my Total Starting Balance. Any amount above that is Eligible New Funds, according to their terms. 4. Marcus is misrepresenting the promotion terms. Marcus is incorrectly claiming that a withdrawal made after the Total Starting Balance snapshot somehow disqualifies me. The terms do not state that customers must restore a prior balance before deposits count as Eligible New Funds. This requirement does not exist in the published terms and is being invented after the fact. 5. Marcus confirmed eligibility, then reversed itself without justification. The tracker screenshot is proof that MarcusXXXX system recognized I met the requirements. Their denial contradicts their own system behavior and their own written explanation. Requested Resolution Honor the {$750.00} bonus that MarcusXXXX system confirmed I qualified for, as shown in the attached tracker screenshot displaying the 90day maintenance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX | XXXX Date : XX/XX/XXXX TO : XXXX XXXX XXXX, XXXX | XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX | XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXXXXXX, PA XXXX RE : FORMAL DISPUTE ACCOUNT AUDIT REQUEST XXXX To the Dispute Departments of XXXX, XXXX, and XXXX : I am writing this formal letter to dispute the accuracy of the account being reported under the name XXXX, Account Number XXXX. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to demand a full investigation into the reporting of this closed account. I am specifically disputing the internal consistency of the data reported for this trade line. The account is listed as opened on XX/XX/XXXX, and closed on XX/XX/XXXX. Under the Truth in Lending Act ( TILA ), the creditor was required to provide specific disclosures regarding the terms of this credit-builder account. I am demanding verification that the account type " XXXX XXXX XXXX '' is the correct legal classification and that all historical payment strings reported are 100 % accurate according to the original agreement. Under FCRA Section 611, you are required to maintain " maximum possible accuracy '' even for accounts with a {$0.00} balance. I am challenging the reporting of any late payments associated with this account and demand that you verify the exact " Date of Last Activity. '' If any portion of this historical reporting can not be verified against the original electronic data file provided by the furnisher, this entire trade line must be purged from my credit file to prevent further inaccurate reporting of my credit history. I expect a written response within 30 days. Failure to comply will result in a formal complaint filed at XXXX. Sincerely, ( Signature ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IN

Complaint narrative:
On XX/XX/year>, I returned a vehicle to the selling dealership, XXXX XXXX XXXX, after being instructed that the transaction would be rescinded and my down payment refunded. The dealership accepted possession of the vehicle and refunded {$1000.00}, which I deposited. I never received the vehicle title and never registered the vehicle. Despite the rescission and the dealership retaining possession of the vehicle, Westlake Financial continues to report the loan as active and is requesting payments. When I contacted Westlake, I was told the dealership must initiate dealer buyback/rescission paperwork. When I contacted the dealership, I was told to contact Westlake. As a result, the account remains active while I do not possess the vehicle. Additionally, the dealership is currently offering the same vehicle for resale while Westlake continues collection activity on the loan in my name. I am requesting that Westlake immediately investigate, confirm whether dealer buyback/rescission paperwork has been submitted, and close the account with a {$0.00} balance to prevent further collection activity and potential credit reporting harm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX LVNV Funding Subject : Formal Debt Validation Request and Dispute of Alleged Balance {$780.00} Dear LVNV Funding, I am writing to formally dispute the alleged debt of {$780.00} that your company claims I owe. This correspondence serves as a request for full validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c and 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). Please provide complete documentation verifying the validity of this account, including : The name and contact information of the original creditor. A full accounting and itemized statement showing how the balance of {$780.00} was calculated. A copy of any signed agreement or contract demonstrating my obligation to pay. Documentation showing that LVNV Funding has legal authority to collect this debt. The date and amount of the last payment, if any. Until you provide the requested validation, I request that you cease all collection efforts and suspend reporting this account to any credit bureau. Under 15 U.S.C. 1692c ( c ), I am requesting all future communications be conducted in writing only. Furthermore, under 15 U.S.C. 1681e ( b ), please note that I am disputing this debt as inaccurate and unverified. If you have already reported this account to any credit reporting agencies, you must immediately mark it as in dispute until validation is provided. If you can not substantiate this debt with appropriate documentation, I request that you immediately delete any related trade lines or negative information from all credit bureaus ( XXXX XXXX and XXXX ) and provide written confirmation of such action. This letter is not an acknowledgment of any debt or liability. I expect a written response within 30 days of receipt as required by federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Firstsource Business Process Services, LLC
State: OH

Complaint narrative:
I am filing this complaint regarding unlawful third-party disclosure of my alleged debt by Firstsource Advantage , LLC in violation of the Fair Debt Collection Practices Act ( FDCPA ). A collection letter dated XX/XX/year>2025 was received in early XXXX. On XXXX XXXX, 2025, at approximately XXXX PM EST, a representative of Firstsource Advantage placed a phone call to my father. During this call, the representative disclosed that the call concerned a debt in collections and requested my contact information. This was not a neutral request for location information. The representative communicated that the matter involved a debt collection account. I have never provided consent for this company to discuss my alleged debt with any third party. Under 15 U.S.C. 1692b, a debt collector may contact a third party only for the limited purpose of obtaining location information and may not state or imply that the consumer owes a debt. Disclosing that the call concerned a debt exceeds the statutory limitations. This conduct refers to violate : 15 U.S.C. 1692c ( b ) Prohibited third-party communication in connection with collection of a debt 15 U.S.C. 1692b ( 2 ) Prohibition on stating the consumer owes a debt when seeking location information 15 U.S.C. 1692e ( 10 ) Use of deceptive or improper collection methods I have preserved documentation of the call and the original letter. To resolve this matter without litigation, because the disclosure of this was an embarrassment and it caused ME emotional damage and image. My co-workers overheard the conversation on the phone and then i was immediately put on the defensive when i didnt need to be in the first place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
I am selling my home. I have contacted Village Capital and investment eight times in the last month and a half. I have emailed them a request for a payoff quote. I have been on a list for a manager to call me back for a month every time I call them there is no manager in the office working. These people are working without managerial assistance. What type of company is this? That doesnt have a manager on site and that the managers never call you back I have been asking for a payoff quote for a month now. first one of the course Customer Service says that they will contact the payoff department then they tell me to email Village capital investment asking for a payoff then I call again and they say they told you the wrong things that you need to email a certain department when I emailed the certain department, I have never got an answer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The company that is repeatedly charging my XXXX XXXX is Alivemoment.com located in XXXX. I have previously written them about duplicate charges and to cancel, but to no avail. This company takes a still photo and adds movement. Three pictures is all they added movement to back in XXXX and now the bill is up to {$310.00} and I can't get the cancelled and my overcharged money back. Please help or they will keep chargeing me every two months. XXXX. Date Description Category Amount View DetailsXXXX XXXX XXXX XXXX {$78.00} View DetailsXXXX XXXXXXXX XXXX XXXX {$78.00} View DetailsXXXXXXXX XXXX XXXX XXXX {$78.00} View DetailsXXXX XXXX XXXX XXXX {$78.00} Results Total = {$310.00} Report a Missing Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I need my escrow to be recalculated as I can not afford another month of the high payment. XXXX insurance rate wnet up I switched insurance. I have been for 3 months now paying a higher monthly mortgage payment because of it. I requested today via the chat to have my escrow redone, and he told me it will take 10 days but that I still have to wait 2 months before the new payment is calculated I can not afford to do that or I wont be able to pay my electric bill and then I will have no electricity in my home. This is outragous and needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am filing a formal complaint against Columbia Debt Recovery LLC ( dba Genesis ) for blatant and documented violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX U.S.C. 1692g ( b ). I mailed a timely written dispute and request for validation regarding an alleged {$15000.00} debt for XXXX XXXX ' via USPS Certified Mail . Genesis received and signed for this dispute on or before XX/XX/year>. Under federal law, Genesis was required to immediately cease all collection activities until they mailed me the requested validation. Instead, they willfully ignored the dispute and illegally continued collection efforts. They placed a derogatory mark on my credit reports, and on XX/XX/year>, they sent an automated SMS text message demanding payment and contact. They have provided XXXX proof of this debt while actively damaging my credit and harassing me. I have attached the signed Certified Mail return receipt proving delivery, alongside a screenshot of the illegal text message. I demand the immediate deletion of this unverified tradeline from XXXX XXXX and XXXX, and a complete cessation of all collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
Validation, and assignment Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX Jefferson Capital LLC. XXXX XXXX XXXX. XXXX XXXX, MN. XXXX Phone number XXXX ( XXXX ) XXXX Account # XXXX Date- XXXX Dear XXXX department, I hope this letter finds you well. Im reaching out not to deny any responsibilities, but to ask for a detailed validation of the debt youve claimed under the Fair Debt Collection Practices Act, specifically section 15 USC 1692g section 809 ( b ). This isnt about confirming my address ; Could you please provide me with the following details? XXXXThe reason for this debt, and what it pertains to. XXXX. A detailed breakdown of how the amount was determined. XXXX. The original name of the creditor. XXXX. FULL account number, and statement history. XXXX. Proof of the debt collectors license to collect in TN ; debt collectors License number, and registered agent, or agent of service. XXXX. Provide the statute of limitation has not expired on this account. I must inform you that if any inaccuracies reported by your agency to the credit bureaus ( XXXX, XXXX, and XXXX XXXX ) should there be any negative remarks from your end On my credit reports without proper validation Ill be compelled to defend my rights, which Might include legal actions for violations of relevant acts, and defamation. Until I receive, and review the requested documentations, I asked that all collection Efforts will be paused, and activity on my credit reports during this period will stop! Should you fail to respond within XXXX days ; I want a complete removal of this matter Removed from my credit records with written confirmation sent from all XXXX major credit bureaus. Lastly, I prefer that all future communication be in writing, and sent via USPS to the address mentioned in this letter. Please refrain from calling at this time, Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I received a garnishment letter from my job stating that they will be taking XXXX percent out my pay for something I didnt know about so I had look into it to see what was the problem some on the date of XXXX open up a navy federal account and applied for a loan using my info it was also sated that I was suvre papers that didnt happen so I did file a police report on fraud identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Company Name : XXXX XXXX XXXX ( or whoever is reporting ) Credit Bureau Reporting : XXXX Complaint : I am filing this complaint regarding a repossession and alleged deficiency balance that I believe is being reported inaccurately and unlawfully. My vehicle was repossessed in Ohio. I was never provided with proper written notice of the date of sale, the time of sale, whether the vehicle would be sold privately or at public auction, or the amount for which the vehicle was sold. I never received : Notice of intent to sell Notice of the actual sale date Notice of the sale price A post-sale deficiency balance explanation An itemized accounting showing how the alleged remaining balance was calculated Under Ohio law and UCC Article 9, a creditor is required to provide proper notice before and after the sale of collateral. Failure to provide proper notice may eliminate the right to collect a deficiency balance. Despite this, a balance continues to be reported on my credit file. In XXXX, I sent a written Method of Verification request and dispute letter to XXXX XXXX via certified mail. They received it in early XXXX. I have not received any documentation validating the debt, proving the sale was conducted in a commercially reasonable manner, or demonstrating compliance with notice requirements. Additionally, I disputed this account directly with XXXX in XXXX. The account continues to report without proper documentation being provided to me. This raises serious concerns regarding : Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Failure to conduct a reasonable investigation Failure to provide validation of debt Reporting inaccurate and incomplete information Failure to comply with UCC repossession notice requirements I am requesting : XXXX. Complete documentation showing compliance with Ohio repossession and notice laws. XXXX. Proof of the auction sale amount and calculation of any alleged deficiency. XXXX. Method of verification used to continue reporting this account. XXXX. Immediate deletion of this tradeline if proper documentation can not be produced. Continued reporting of an unverified and potentially unlawful deficiency balance is damaging my credit and causing financial harm. I request a full investigation and corrective action. Sincerely, XXXX 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 2026-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Med-1 Solutions, LLC
State: TN

Complaint narrative:
MED-1 SOLUTIIONS, LLC is attempting to collect a debt that I do not owe. The account was paid before due date and in full directly to XXXX XXXX XXXX XXXX and I have receipts showing proof of payment. The hospital has confirmed that my balance is XXXX. I previously notified the previous debt collector and provided proof that the debt was paid, but they did not respond and continue sending collection statements. They have not provided proper verification of the debt. I am requesting that they stop collection efforts immediately, update their records to reflect a XXXX balance, and correct inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: Flexible Finance, Inc.
State: OR

Complaint narrative:
I am filing a complaint regarding improper withdrawals totaling {$3600.00} made by Flex for rent payments tied to an apartment lease that I was never approved for and never occupied. I applied to rent at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX. My application was not approved. I never signed a lease, never became a leaseholder, and never took possession of the unit. Despite this, Flex withdrew {$3600.00} from my debit card for rent payments in XX/XX/XXXX and XX/XX/XXXX. Flex states that because I linked the property to my account and had autopay enabled, their system processed payment once the property confirmed rent was due. However, I was not an approved tenant and had no valid lease obligation. There was no legal basis for rent to be owed under my name. The apartment property has confirmed I was not a leaseholder and has refused to issue a refund to me because I am not a tenant. Flex has refused to issue a refund because they claim the property must refund them first. As a result, both parties acknowledge I am not a tenant, yet neither will return the {$3600.00} withdrawn from my account. Flex authorized and processed the withdrawal of funds for a non-existent rental obligation. I did not receive housing services, did not occupy the unit, and had no valid debt for the months charged. I am requesting a full refund of {$3600.00} and regulatory review of Flexs practice of processing automated rent payments where no valid lease obligation exists.

Company response to consumer: Closed with explanation