vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had an issue with a merchant not returning and refunding a canceled order. It resulted in an interest fee after I had already disputed the charge that did not process in time for the closing date of my statement. I was given a fee of {$22.00}. 
I live chatted and asked the fee to be waived. In a few seconds I was told no. I dont feel the rep even submitted the request. Then the live chat responded and told me I have a balance of - {$13.00} and asks if I would like a refund on that. 
Apparently he was giving me incorrect information about someone else 's account but its not fair and unprofessional to me. 
Then he told me because if the credit error was not caused by Synchony that they werent responsible to refund the interest I earned.

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 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AZ

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed on marketplace for {$94.00}. Bought and never received item i informed cash app of this WITH RECIEPTS AND SCREENSHOTS. And they denied the dispute claiming i got item. I appealed and they denied again. In addition they charged for a new card when old one was burned in my stolen vehicle and in XX/XX/year> would not refund another non received item. Their practices are shady and anti consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: The J. G. Wentworth Company
State: MN

Complaint narrative:
JG Wentworth. Awful! This company is full of scammers and liars!

I cancelled, jumped through all of the hoops! I was on the phone for hours and hours! Finally they said that Im all cancelled out after being transferred over and over.

I was told that I wouldnt be charged a single dime. No fees, no penalty, absolutely nothing.

They said I wouldnt be charged a dime for cancelling!

They even SOMEHOW took the money out of an account that I didnt even give them access too! 
They randomly just took {$150.00} out of my checking account yesterday ( XX/XX/year> ). I just was looking over my account and see that they randomly took out {$150.00} and I have absolutely no idea why! 
They took {$150.00} from me for absolutely no reason. 
They said I wouldnt be charged a single fee. 
They randomly took {$150.00} from me. 
I want my money back they THEY STOLE from me. 
JG Wentworth is a company of crooks, liars, and thieves! How in the world do they constitute randomly, after canceling literally a day or XXXX after I sign up, cancelling, nothing had been done yet. And they just take {$150.00} after telling me there wont be any fees at all! 
They stole {$150.00} from me and XXXX extremely concerned. 
I am going to figure out how to get my money back from this company that isnt even registered with the XXXX  but claims they have an XXXX XXXXith them. 

JG WENTWORTH STOLE {$150.00} from me, after saying i wouldnt be charged a single fee or anything after cancelling literally 2 days later. 
I am going to get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Westlake Services, LLC
State: WA

Complaint narrative:
I have an installment loan serviced by Westlake Portfolio Management ( Covered Care ) for medical procedure financing. I have autopay enabled for my monthly payment of {$240.00}. 

In multiple billing cycles, including XX/XX/XXXX and XX/XX/XXXX, my scheduled payment drafted, but the companys online system continued to show my account as unpaid and sent warnings that payment was due and late fees could apply. 

Relying on this misleading information, I made an additional payment to avoid being marked late. As a result, I was debited more than once in the same billing cycle, even though I only authorized XXXX monthly payment. 

When I attempted to contact the company for clarification and to stop duplicate payments, their online system only provides a one-way inquiry form with no way to reply, and their phone system requires SSN verification even though no SSN appears to be on my account, preventing me from reaching a live agent. 

I turned off autopay due to these issues, but the system still displays payment due even after funds have been drafted multiple times. This has caused financial hardship and ongoing risk of duplicate withdrawals. 

I am requesting that Westlake Portfolio Management correct their billing and autopay system, confirm that only XXXX payment will be processed per billing cycle, cancel or reverse any duplicate payments, and provide written confirmation so this does not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL

Complaint narrative:
We purchased a mattress from Mattress Firm using a Synchrony credit card promotion. We were told at the time of purchase that by paying {$180.00} per month for 24 months, no interest would be applied. However, in XXXX we noticed we still received a charge and interest of over {$2700.00} was applied to our account. We noticed this after the XXXX grace period had expired, and called to attempt to fix this. The agent told us she understood the issue and granted us a one-time interest waiver. We confirmed multiple times that our balance was now {$0.00} and that our account would be closed. Synchrony is now unwilling to honor their promise and is applying the {$2700.00} interest charge. This promotion was a scam designed to take advantage of consumers, intricately designed by Synchrony to intentionally lure customers into paying more than required.

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 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Violations Alleged FCRA : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( furnisher duty ) ; 15 U.S.C. 1681i ( failure to reinvestigate and delete unverifiable information ).

FCRA : 15 U.S.C. 1681g ( a ) and 1681h ( failure to disclose source documentation upon request ).

FDCPA : 15 U.S.C. 1692g ( b ) and 1692e ( failure to validate ; false representation of ownership ).

Facts Debt buyer tradeline appears only on XXXX  for {$650.00}. No bill of sale, chain of title, or original contract has been produced despite written requests.

The account has been continuously reported as a collection without furnishing the required validation.

Why This Violates the Law Debt buyers must be able to prove ownership and the right to collect ; reporting without a bill of sale or chain of title is a misrepresentation and violates both FCRA and FDCPA.

Under 15 U.S.C. 1681i, XXXX  must delete any item that can not be verified ; continued reporting without verification is a statutory violation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
This account was opened on XX/XX/year> after Id been a victim of identity theft. My XXXX  was stolen after a company Id purchased several items through before asked for copies of my identification for a credit check. A week or so later when I asked them they admitted they had been hacked and not to use the link. Id uploaded copies of my CA ID card, SS card, and other personal information. The device they are saying opened accounts was stolen and a police report was stolen. Immediately upon receiving the physical card in the mail, I called their fraud department and reported identity theft. Apparently it had been verified using my XXXX, messages to my phone received there as well, all XXXX users know this. 

Now Discover refuses to agree with this dispute and says that I am liable. XXXX and XXXX all closed the fraudulent accounts after being provided the police report and IDtheft.gov claim. Discover is the only company that is fighting to not recognize this issue. Ive signed affidavits and provided my devices XXXX that shows it was not my device used for these purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Sunlight Financial LLC
State: CA

Complaint narrative:
Sunlight financial and their affiliates refuse to close a home improvement loan that XXXX did not request and or authorize and that was requested by construction company I hired in XX/XX/year> to build an XXXX  for which on XX/XX/year>, XXXX XXXX XXXX XXXX fraudulently went into my email and signed via XXXX that the job was completed and received {$50000.00} for an XXXX project that was never even started. XXXX collected XXXX in home improvement loans upfront, which is illegal within 2 weeks of me filling out an initial application with them disclosing my personal information for which they used to apply for various home improvement loans without my knowledge or consent.

I have since we able to prove for all Other lenders the fraudulent loans and they have been able do their due diligence and dismiss them except for sunlight financia who refuses to and claims there is no evidence that its fraudulent loan despite the assigned XXXX investigator calling to attempt to speak to someone nor has he received a call back regarding the issue. Which leads me to believe that sunlight may be participating in a fraud with XXXX as there are many other individuals in the same situation as I am with the same company and lenders involved. Sunlight has also received a copy of my complaint to the XXXX, copied of other lawsuits involved with same company and leaders and same situation along with the investigators information and they expect that I make payments on this loan because it was docusigned with my signature but they havent investigated that that company is fraudulent. I would like sunlight to be investigated please, to have them dismiss my loan because I have proven it is fraudulent, no work was done and they arent doing the i job to investigate this matter ansas a result, I am Being severely financially impacted.

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 2026-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As of XX/XX/year> I noticed debt from XXXX XXXX XXXX, I have contacted this company an notified them of never having any services and that my identity has been stolen and used multiple places including with the company who they purchased debt from. No changes has been made I am a victim of identity theft my FTC REPORT HAS BEEN SUBMITTED and items have still not been removed.

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 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CarMax, Inc.
State: NH

Complaint narrative:
I have a XXXX  XXXX XXXX XXXX that I am paying {$730.00} a month with an interest rate of 13.14 percent. I think this payment is way too high. I wanted this loan paid off from the XXXX XXXX XXXX XXXX department I work in because I was involved in car accident that totalled my XXXX. XXXX XXXX is working under XXXX XXXX  in XXXX and it is extremely difficult to get money from XXXX. XXXX XXXX is the Risk Manager at XXXX who is managing the XXXX XXXX and he has not sent me any money. I was a victim of XXXX XXXX so I have been afraid to answer the phone or show up with bankers. They were trading photos of me and Settlement checks that they embezzled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXXave all violated my rights as a consumer under the FCRA 15 USC 605B. They knowingly reported inaccurate and unauthorized information on my report. I need these items blocked and removed 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 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
Description of Events : XXXX. XX/XX/year> I transmitted my first Cease-and-Desist ( XXXX & XXXX ) notice via fax tXXXX XXXX XXXX XXXX regarding an alleged debt of {$66.00}. Delivery was confirmed via third-party service. This notice formally disputed the validity of the alleged debt and required all collection activity to cease. 
XXXX. XX/XX/year> Credit Collection Services sent me a demand letter for payment regarding the same alleged debt. This continued collection activity occurred after I had sent a valid C & D notice and constitutes a violation of 15 U.S.C. 1692c ( c ) of the FDCPA. 
XXXX. XX/XX/year> I transmitted a second, formal XXXX & XXXX notice to Credit Collection Services via fax at ( XXXX ) XXXX, including : Written dispute of the alleged debt Demand for immediate cessation of collection activity Preservation of all records including fax logs, internal notes, and correspondence Reference to my FTC Confirmation Report ( Report Number : XXXX ) Evidence / Attachments : Proof of delivery of XX/XX/year> XXXX & XXXX to XXXX XXXX XXXX XXXX of XX/XX/year> demand letter from Credit Collection Services XXXX XXXX XX/XX/year> second XXXX XXXX XXXX XXXXax to Credit Collection Services FTC Confirmation Report submitted ( Report Number : XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX  have all violated my rights as a consumer under the FCRA 15 USC 605B. They knowingly reported inaccurate and unauthorized information on my report. I need these items blocked and removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
I paid the original creditor, Progressive Insurance, directly and in full on XX/XX/year>. Progressive confirmed that the account was recalled from collections and that no balance is owed to Caine & Weiner.

Despite this, Caine & Weiner continues to report a collection account to the credit bureaus. Once the original creditor is paid and the account is recalled, the collection agency no longer has authority to collect or report a balance.

Any continued reporting of this account is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). I have proof of payment to the original creditor and confirmation that the balance was cleared.

I am requesting immediate deletion of this collection account from my credit reports and written confirmation that it will no longer be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Description of Issue : I am filing this complaint against PayPal for gross negligence and facilitation of bank fraud. A former tenant, XXXX XXXX, paid a legitimate debt ( missed rent ) of {$1800.00} via PayPal " Friends and Family '' on XX/XX/year>. The transaction included a memo from the sender ( XXXX ) stating " Payment rent. '' The sender moved out in XX/XX/year> and initiated a chargeback with his financial institution, fraudulently claiming the payment was for " Goods and Services '' not received. PayPal has failed to challenge the bank reversal or protect the transaction from a clearly documented fraudulent claim. 
Rent is not a " commercial good. '' By allowing a " Goods and Services '' dispute on a rental debt repayment that contains a " rent '' memo, PayPal is facilitating wire fraud. 

I am requesting a formal review based on two critical errors in PayPal 's dispute handling : 1. Misapplication of Dispute Classification ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : PayPals User Agreement explicitly states that " Friends and Family '' ( Personal ) payments are not eligible for Purchase Protection because they are not commercial transactions. By allowing a " Goods or Services Not Received '' chargeback to be applied against a personal transfer, PayPal is contradicting its own Terms of Service. If a payment is sent via XXXX XXXX XXXX it is by definition not for " Goods and Services, '' and therefore a claim for " non-receipt of goods '' is factually and contractually impossible.

2. Failure to Recognize the Nature of the Debt ( Rent vs. Goods ) : Even if this were a commercial transaction, the subject ( XXXX XXXX ) explicitly labeled the payment " Payment rent '' at the time of the transfer. Under the Fair Credit Billing Act and standard merchant service guidelines, " rent '' is a housing debt obligation, not a retail " good '' or " service '' subject to shipping or merchant fulfillment. By processing a " Goods Not Received '' claim for a payment clearly marked as " Rent, '' PayPal is facilitating a material misrepresentation of the transaction 's nature to a financial institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a collection letter from Resurgent Capital Services attempting to collect a XXXX XXXX debt that is more than a decade old. The letter states that the debt is too old for XXXX XXXX XXXX to sue me or report it to any credit reporting agency. Despite this, they are still attempting to collect the balance of {$770.00}. 

I requested information to verify the debt, but the company did not provide proper validation. They only sent a generic summary with no signed agreement, no itemized breakdown, no proof of ownership, and no documentation from XXXX XXXX. Because they did not provide the required information, the amount they are attempting to collect is unverified and may be incorrect.

I believe the company is attempting to collect an amount they can not substantiate and misrepresenting the legal status of the debt. I am requesting that the CFPB review this matter and require the company to provide proper validation or cease collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc.
State: MO

Complaint narrative:
I've been getting phone calls from several different numbers never heard of thos company so I dont know if this company is the ones that have been calling my phone and hanging up when I answer.

This company has not provided proof of debt, validity of debt, documentation or assignment records proving ownership. Reporting without validation violating FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Complaint Against Ally Financial Ally Financial is reporting inaccurate and misleading information on my consumer credit report. 
The account listed below is CLOSED with a XXXX balance, yet Ally Financial continues to report the account as Late 30 Days, which is factually incorrect and misleading. 
Account Details : Creditor : Ally FinancialAccount Number : XXXX Account Status : ClosedbBalance : {$0.00} Last Activity Date : XX/XX/2023 My issue is that : * The account is CLOSED * Balance is {$0.00} * But its currently being reported as Late / Delinquent A closed account with a XXXX balance can not be currently delinquent. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA 623 ) and constitutes deceptive reporting under the FTC Act. 
I am requesting immediate correction or deletion of this inaccurate tradeline and written confirmation once resolved.

Company response to consumer: Closed with explanation