vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 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: CO

Complaint narrative:
I booked an XXXX for a vacation for XXXX XXXX XXXX. Upon arriving on the XXXX, it was found that XXXX beds were broken and unusable. We communicated this to the host and he sent someone over to fix XXXX box spring. Over the next few days, we experienced safety hazards and XXXX children were hurt. XXXX stepped on a metal pole protruding from the patio bricks next to the pool. XXXX had glass in her foot from the filthy carpet. The living room couch was broken in the center, making it impossible for anyone to sit anywhere except the far sides. The patio chairs next to the pool were either broken, missing screws, or bent to XXXX XXXX of not being usable. The bathroom in the master bedroom has a leak that comes down through the kitchen. Anytime anyone showered in the master XXXX XXXX water came down from the kitchen ceiling, hitting the counter and soaking a XXXX foot area around the leak. The final straw was finding roaches in our food. The first one was gross, but we moved past it. The following day, we found juvenile roaches that are likely nesting there with the ongoing leak. We were unable to cook food or keep food in the home because roaches went after any food we brought in. I would not stay in a place for free that was infested with roaches, let alone pay {$1900.00} to sleep on broken beds with roaches. I am not the only person to encounter this in this home. There are reviews after my stay that state the same issues with the home. XXXX took some accountability and refunded {$410.00}. I disputed the remaining {$1500.00} with Goldman Sachs and they continue to deny the request based on the service or product meeting the description.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I was checking my XXXX XXXX when I noticed a car loan under my name which I did not have any knowledge about.

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 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have been disputing this charge and this debt collection for years now. I consistently get threatening letters from portfolio recovery stating that they're going to garnish my wages due to a court proceeding. I called the courts years ago when I first got the letter and I was told there was no case with XXXX XXXX XXXX. I've been disputing it ever since then. At this point the debt is over XXXX XXXX XXXX and can not be collected. I never received notice of a court date, I never received notice of a second Court date, I never received notice of a failure to appear, I never received notice of anything from the court, and even the court says there is nothing there. I have filed several complaints, I have filed several disputes, I have called them multiple times and explained all of this to them, and they still claim they're going to garnish my wages. At this point I am tired of living my life in constant fear, and in constant harassment. The debt is literally over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: ME

Complaint narrative:
I have recieved numerous harassing and at times extremely rude calls seeking {$270.00} debt from Sunrise credit services apparently forwarded by XXXX XXXX XXXX after I paid and closed the account. I receive almost biweekly calls, but never recieved a notice of debt or my rights through the mail from Sunrise credit services. I have repeatedly asked for that on at least 6 calls and have yet to receive it. When I tell them that I am disputing the debt, they just hang up on me only to call again a day or XXXX later.

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 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Concord Servicing Corporation
State: TX

Complaint narrative:
In 2019, I undertook a remodel of my master bathroom. The project extended over a period of more than XXXX months due XXXX inconsistent workmanship XXXX substandard craftsmanship. The initial contractors claimed XXXX have completed the renovation in XX/XX/year> ; however, they failed XXXX properly install the shower pan, resulting in water backup that remained trapped beneath the tiles. I was made aware of this issue almost immediately. Attempts XXXX contact the responsible company via phone calls XXXX emails were unsuccessful, as they did not return any correspondence. When I eventually established communication with them, it took an additional XXXX months for them to return XXXX address and rectify the problem. The initial contractors ' inadequate installation caused further damage, as the XXXX XXXX 's work resulted in falling through the floor XXXX sheetrock XXXX the XXXX floor of my residence. During the XXXX attempt at remodeling and repairing issues caused by the XXXX XXXX, the XXXX XXXX became ill XXXX was unable to complete the project within the agreed timeframe. He subsequently contacted me requesting permission XXXX retrieve his tools, citing the need for them for another upcoming job. This request further delayed the completion of my bathroom, which was still unfinished at that time. When I expressed my concerns regarding these issues, the company refused XXXX accept responsibility, asserting that my claims lacked merit. The numerous delays XXXX inconsistencies compelled me XXXX miss work on multiple occasions. Despite bringing these matters XXXX their attention, they refused to offer any assistance. Consequently, I was unable XXXX continue financing a project that was neither completed correctly nor within a reasonable timeframe. Ultimately, they sent my account XXXX collections without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Emerald Score, LLC
State: MD

Complaint narrative:
I am filing a complaint against a credit repair company for failure XXXX provide services as promised XXXX for potential violations of the XXXX XXXX Organizations XXXX ( XXXX ). In XX/XX/year>, my partner XXXX I paid a total of {$4100.00} upfront for credit repair services. We were referred directly by a family friend XXXX were not directed XXXX any website, written contract, or no-refund policy at the time of enrollment. We were specifically told that our credit profiles would show significant improvement within approximately XXXX days, which is why we selected the expedited package. It has now been approximately XXXX months, XXXX there have been no meaningful XXXX or changes XXXX either of our credit reports that reflect professional credit repair services. Additionally : - We received little to no communication throughout the process. - We were not provided documentation of disputes, filings, or any work performed on our behalf. - We were told our files were locked due XXXX being entered as a married couple, despite the company being aware we are not married. - A representative stated that services were only continuing because of a personal connection XXXX implied communication would stop if concerns were raised. - We have asked for a full refund but were told there is a no-refund policy and were instead offered {$2600.00}. Due XXXX failure XXXX deliver services as promised, lack of transparency, XXXX possible CROA violations, we are requesting a full refund of {$4100.00}.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 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:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Account closed XX/XX/25 To Whom It May Concern, I am writing to formally dispute the Ally Financial account reporting on my credit file. This account is currently being reported as a repossession, which is misleading and inaccurate. The vehicle in question was recovered/reinstated the same day as the repossession, and I retained possession of the vehicle. Because of this, the classification and reporting of this account as a repossession is inaccurate, misleading, and not a true reflection of the account history. The vehicle was not permanently repossessed There was no completed repossession cycle ( no auction/sale ) The account continued after reinstatement Reporting it as a repossession is factually misleading and damaging Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Requires maximum possible accuracy 15 U.S.C. 1681i Requires reasonable reinvestigation Reporting a repossession without full context is incomplete and misleading, which violates federal reporting standards Please provide : Documentation showing the repossession was completed ( including sale/auction records ) Proof that Ally Financial has the legal basis to report this as a repossession after same-day reinstatement Full payment history and account status post-reinstatement Metro 2 compliance documentation for how this account is being reported If this account can not be verified as a completed and properly reportable repossession, I am requesting : Immediate removal of the repossession status Correction or deletion of the account entirely if inaccurate Please complete your investigation within the timeframe required by law and provide written confirmation of the results. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC
State: CA

Complaint narrative:
XX/XX/year> XXXX has withdrawn a huge amount of {$970.00} from my bank account without my authorization. This amount has caused a financial problem. The original loan amount borrowed {$250.00} on XXXX XXXX. And XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: OH

Complaint narrative:
I continue to receive traffic cam violation notices for an automobile not registered to me.

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 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I have XXXX collection accounts reported by LVNV Funding LLC with balances of {$2200.00}, {$1400.00}, and {$820.00}. These debts are actively being paid and settled through XXXX XXXX XXXX. I have proof of an approved settlement with the original creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and am currently XXXX out of XXXX payments completed with XXXXXXXX XXXX XXXX Screenshot images show status of settlement for all accounts provided. I disputed all three accounts with XXXX XXXX XXXX XXXX and submitted proof of active payment through XXXX XXXX XXXX. LVNV ignored the evidence and verified the accounts without correction. LVNV is also illegally re-aging these debts by reporting new " opened '' dates based on when they purchased the debt, not the original delinquency date violating 15 U.S.C. 1681c. Additionally, LVNV has been changing the balance amounts on the accounts, violating 15 U.S.C. 1692f. I am requesting complete deletion of all three accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
This complaint relates to the banks dispute investigation process, not a consumer complaint. I am the merchant (XX/XX/XXXXXXXX ), not the consumer, and I am submitting this complaint regarding a chargeback decision made by USAA Federal Savings Bank for Case ID XXXX in the amount of {$290.00}. This dispute was filed under reason cXX/XX/XXXXe Merchandise Not Received. The decision issued by the bank appears to be based on incorrect factual conclusions that directly contradict the evidence we submitted, which strongly suggests that our documentation was not reviewed whatsoever. The bank stated that we did not provide proof of delivery and that the customer was unable to reach us by email or phone. Both of these claims are false. We provided clear proof that the order was delivered via XXXX to the exact address provided by the customer at checkout. Tracking number XXXX shows the package was delivered on XX/XX/year>. We also provided a complete email communication history showing that we responded to the customer multiple times. We replied within XXXX day of the customers initial inquiry, followed up regarding delivery status, and continued communication regarding resolution options. This directly contradicts the banks claim that the customer could not reach us. In addition, we submitted supporting evidence indicating likely fraud being committed by this customer ( see detailed evidence in attachments ). Despite all of this documentation being submitted through the proper dispute channels, the bank concluded that no delivery proof was provided and that no communication occurred. These conclusions do not align with the evidence and indicate that the materials were either not reviewed or not properly evaluated. As a result of this decision, we incurred a financial loss of {$290.00}.

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 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I am filing this complaint because Santander is reporting an improper remaining balance on an auto loan that was fully paid off by the dealership at the time of my vehicle tradein. Their actions are inaccurate, negligent, and causing ongoing financial harm. On the date of tradein, the dealership obtained a XXXXday payoff quote directly from Santander. The dealership then paid the exact amount Santander provided. Despite this, Santander is now claiming that I still owe an additional {$580.00}, stating that the payoff they themselves issued was incorrect. This is not a consumer error it is a Santander error. Santander has refused to : Correct the account to a {$0.00} balance Remove the improper deficiency Contact the dealership to resolve their own payoff discrepancy Provide any documentation showing how they calculated this alleged balance I have contacted Santander multiple times, and they continue to insist that I am responsible for the difference, even though the dealership paid exactly what Santander told them to pay. Santander is attempting to collect a balance that should not exist. This conduct is causing financial harm and violates the Fair Credit Reporting Act and other consumerprotection standards. Santander is reporting or attempting to collect an inaccurate balance, refusing to correct their own payoff error, and refusing to communicate with the dealership to resolve the issue. Requested Resolution : I am requesting that the CFPB require Santander to : Correct the account to a {$0.00} balance Cease all collection activity Remove any negative reporting related to this alleged balance Provide written confirmation that the account is fully satisfied Santander should not be permitted to hold me responsible for their own payoff miscalculation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nexXXXX XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 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: TX

Complaint narrative:
On XX/XX/XXXX, I was directed by a merchant ( XXXX XXXX XXXX XXXX to open a CareCredit account through Synchrony Bank to pay for a package of future services consisting of XXXX facial treatments over a two-year period. I canceled the package the same day, XX/XX/XXXX, within hours of signing and before any of the financed services began. I have not received any treatments under this package and have not used any products. I disputed the charge with CareCredit/Synchrony Bank multiple times, explaining that no services were rendered and that I canceled immediately. Despite this, the disputes were denied based on the existence of a signed agreement, without properly considering that the charge was for future services that were never provided. I requested a copy of the signed agreement from the merchant on XX/XX/XXXX, and followed up again, but the merchant has not provided the documents and is requiring me to appear in person to obtain them. Synchrony Bank has failed to properly investigate and resolve a dispute involving services not rendered and has relied solely on the merchants response without considering the full circumstances. I am requesting a review of Synchrony Banks handling of this dispute and reversal of the charge for services not rendered.

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 2026-03-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been doing for months now, and I have not seen any of the request after their investigate thru Equifax and/or the other credit bureaus. I am sure they are aware of the the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i or these third party have to provide Chain of Title in order and wet signature to proceed in the any collection where I did not agree now given consent on this matter or Do I have any knowledge this company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
CR SYST INTR is falsely reporting on my credit. I have never had any accounts with them. Per my research CR SYST INTR 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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation