vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Company Name : XXXX XXXX ( and Ally Bank as the involved servicer ) Product : Vehicle loan or lease Description of Incident : I am filing this complaint against Axis Chevrolet for unauthorized credit access and deceptive financing practices in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). On XX/XX/year>, I visited XXXX XXXX to purchase a vehicle. Prior to arrival, I had secured a formal pre-approval from XXXX XXXX XXXX. I explicitly informed the finance department that I would be using my own financing and did not grant permission for the dealership to shop my credit to other lenders. Despite my clear instructions, XXXX XXXX proceeded to run a hard inquiry on my credit report without my written consent. Furthermore, they refused to honor my XXXX XXXX pre-approval and instead forced me into a financing agreement with Ally Bank. The dealerships actions resulted in : Unauthorized Hard Inquiries : Multiple hits to my credit report that I did not authorize. Loss of Consumer Choice : I was denied the right to use the lender of my choosing despite having a valid pre-approval. Potentially Adverse Terms : By bypassing my preferred lender, I was placed in a loan that may not reflect the best interest rates or terms available 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 2026-04-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This account is currently under dispute I am filing a formal complaint regarding a credit account being reported by SYNCB/PPC XXXX Synchrony Bank XXXX that does not belong to me and was opened without my knowledge or consent. The account in question is as follows : - Account name : SYNCB/PPC - Account type : Credit card - Date opened : XX/XX/2021 - Current balance : Approximately {$1300.00} - Credit limit : {$2100.00} This account is currently listed as open and active on my credit report. I did not apply for, authorize, or use this account, and I have not made any payments on it. I believe this account may have been opened fraudulently or as a result of unauthorized use of my personal information. I have previously disputed this account ; however, it continues to reappear on my credit report, which is causing ongoing harm to my credit profile. I am requesting the following : XXXX. A full investigation under the Fair Credit Reporting Act ( FCRA ). XXXX. XXXXmmediate closure of this account and confirmation that I am not financially responsible for it. XXXX. Permanent removal of this account and all associated tradelines from my credit reports with XXXX XXXX XXXX XXXX. XXXX. Copies of all documentation related to this account, including the original application, agreement, and any identifying information used to open it. XXXX. Written confirmation that this account has been permanently deleted and will not be re-reported. If necessary, I am prepared to provide a Federal Trade Commission Identity Theft Report and any supporting documentation to validate my claim. This matter requires prompt attention and resolution.

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 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am submitting a formal complaint and dispute regarding Santander XXXX XXXX inaccurate and harmful reporting of a vehicle loan account that has severely damaged my credit profile for years. This account has been negatively affecting my credit for approximately XXXX years and has directly impacted major financial decisions, including my home buying process, mortgage approval, lending opportunities, and overall financial stability for my family. The account is being reported as a charge-off with a balance of {$29000.00}, with an Open Date of XX/XX/XXXX and Last Activity listed as XX/XX/XXXX. However, the account is also reporting a XXXX late delinquency in XX/XX/XXXX, which appears inaccurate, misleading, and suggests improper re-aging of the account. If the account was charged off and the last true activity was in XXXX, it should not continue reporting as if it is a newly delinquent account in XXXX. This inaccurate reporting is unfairly keeping this derogatory account active and causing unnecessary and ongoing damage to my creditworthiness. Additionally, this account has repeatedly disappeared and reappeared across credit bureaus, creating serious concerns regarding inaccurate furnishing of information and improper reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
These scrums have been trying to access my Department of Labor unemployment benefits for the past XXXX months as I try to prove myself and I overcome before I even overcome the tall up they try to reset my pin they try to reset my password I have managed to report that to the ID test Department that they have it's at the right side and they did succeed and stealing response and this financial institution is a mediocre that has a mediocre investigation team that looks into people 's the situations and all and I was provided many times with a lot of false information and I believe by law institution like this in this magnitude that falls into the category of fraud just because based on my research and my lawyer had told me so if you can help me understand and find solution into this into recovering These funds it was not easy for me to get these Department Workforce to the release These funds they literally put XXXX XXXX roller coaster in order for me to be even saying oh I finally got it released and when I did they managed to take that away from me just like that I didn't even get my hands on that and now they left me homeless over here in the street can you imagine that

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: OAKTREE FUNDING CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, at approximately XXXX PM EST, I received a phone call from the loan XXXX who originally assisted me with the purchase of my primary residence in XXXX, Georgia. She informed me that she had received an email earlier that day from XXXX XXXX with XXXX XXXX stating that I was in default on my mortgage loan due to nonpayment. At the time of this communication, my mortgage loan was actively being transferred between servicing companies, and I was awaiting confirmation of the final servicing entity before submitting payment. In addition they were sending all correspondence to my previous address. I was also aware of the federally protected transition period that allows borrowers time to make payments during servicing transfers without penalty. My complaint is that XXXX XXXX improperly disclosed my alleged loan status to a third party who was not an authorized party on my loan after closing, constituting a serious violation of my privacy. Additionally, I possess documentation indicating that XXXX XXXX did not own or was servicing the loan at the time the statement was made.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I am filing this complaint regarding serious irregularities in the origination, insurance handling, and servicing of my mortgage loan and related property insurance. Multiple entities involved in my loan and insurance transactions have failed to respond to lawful inquiries, provided inconsistent or false information, and may have engaged in unlicensed or unappointed activity. My deed of trust was prepared by XXXX XXXX of XXXX, XXXX, but she does not appear in NMLS Consumer Access as a licensed Mortgage Loan Originator. I can not verify her authority to prepare or participate in origination activities. Insurance entities tied to my loan include XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX cancellation notice lists XXXX XXXX XXXX as the agent of record. I have been unable to verify proper XXXX appointments for XXXX XXXX or XXXX XXXX, and they have not responded to the Arizona Attorney Generals Office. These parties were placed on notice verbally, by phone, and by email. XXXX XXXX, the builder, continued presenting XXXX XXXX as part of a package deal as recently as a few weeks ago, despite being placed on notice verbally, in writing, and personally served at the XXXX sales office. This raises concerns about steering, misrepresentation, and improper insurance inducement. My original title insurance documents were destroyed due to environmental contamination and structural damage. XXXX XXXX XXXX XXXX XXXX is the trustee on my deed of trust, but they initially stated they could not locate any policy. I have requested certified duplicate copies of all title insurance documents. This matter has been escalated to XXXX, XXXX ( XXXX XXXX. XXXX ), XXXX, FBI XXXX XXXX XXXX, DOJ, and the Arizona Attorney Generals Office due to the pattern of irregularities, unverified appointments, and potential unlicensed origination activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had no control over my debit card, accounts, or even have basic access to account Information. The debit card was mailed to the Incorrect address and when changed back to previous address, I did not live there anymore neither did my dad. I called over XXXX trying to get thru to boa and edd just to be hung up on and not taken seriously about my claims of fraudulent charges being made on my account i had no access to. I've always had enough taxes taken out to where in didn't owe anything to irs, now I owe on taxes for money i never received that didn't get taxes taken out from whoever wanted maximum stealing power from my account. Boa keeps sending me the same response back which I had XXXX disputes go thru after a year of them giving these same responses. They will not give me proof of these multiple reasons for there decision. I have submitted multiple documents showing I have indeed been under a fraudulent attack but to no avail. Weird thing is I've had their damages department pay me for boa ruining my life but every dispute has been denied. How does that make sense if it never happened why pay me for damages.

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 2026-04-29 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
On or about XX/XX/year>, I was charged {$590.00} by XXXX for a service that was represented as providing access to vetted marketing apprentices within a structured platform. Shortly after enrollment, I was introduced to candidates through the platform. The initial candidate presented was based in the XXXX XXXX, which did not align with my business needs and required correction. Subsequent candidates indicated that they expected to be paid directly by me, which contradicted how the service was presented and my understanding of the platforms structure. XXXX own refund policy states that a match is when you are introduced to a candidate a match is not a started apprenticeship. Despite this distinction, the company treated initial candidate introductions as full delivery of the service and denied my request for a refund on that basis. Additionally, XXXX represents that candidates are vetted prior to matching. However, the candidates provided demonstrated a lack of alignment with the platforms structure, particularly regarding compensation expectations, which indicates a failure of the stated vetting process. I disputed this transaction with my credit card issuer on the basis that the services were not rendered as described. The dispute was denied with the explanation that I accepted the services upon receipt. However, this determination does not address whether the services delivered were consistent with how they were represented at the time of purchase. The issue is not whether any service occurred, but whether the service provided met the advertised structure and expectations. I requested clarification from the credit card issuer regarding how this dispute was evaluated and whether it was reviewed under the appropriate classification of services not rendered as described, but did not receive a substantive response. I am requesting that this matter be reviewed to determine whether the dispute was properly evaluated under the correct criteria, given the discrepancy between the service as represented and the service as delivered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I made a purchase on XX/XX/XXXX from XXXX XXXX XXXX for a standard ( non custom ) leather jacket. I contacted the merchant on XX/XX/XXXX to get tracking updates but received no response. I then filed a dispute with venmo for an item not received. On XX/XX/XXXX venmo requested more information from me regarding my communication with the merchant which I promptly sent. Since XX/XX/XXXX I have contacted venmo through chat support several times. On XXXX occasion I was told the dispute would be settled on XX/XX/XXXX. By XX/XX/XXXX I had still not received any updates so I contacted support again and was told that it would be XXXX hours. It is going on XXXX hours and still no updates or communication from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Reached out to company and was told Ill get a call back. Nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX They did not provide me with the original contract as requested.

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 2026-04-29 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am formally disputing accounts on my credit report that were opened without my knowledge or authorization. These fraudulent accounts have negatively impacted my credit score and do not belong to me. I request an immediate investigation and removal of these items from my credit report under the Fair Credit Reporting Act. Please provide written confirmation once these accounts have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
MY PERSONAL INFORMATION WAS SHARED WITH T SEVERAL DIFFERENT THIRD-PARTY DEBT BUYERS WITHOUT MY CONSENT ON AN AGREEMENT WITH THESE DEBY BUYER COMPANIES. I ALSO HAVE HARD INQUIRIES THAT I DID NOT AUTHORIZE. THESE ACCOUNTS AND INQUIRIES REPORTING ON MY CREDIT REPORTS WERE OPEN FRAUDULENTLY. UNDER FCRA LAW SECTION 605B IT IS ILLEGAL TO HAVE ANYTHING REPORTED ON MY CREDIT WITHOUT MY PERMISSION.

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 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery I call and told them I was not able to pay cause Im having financial hardship, havent been working long and this debt have been sold off and I didnt receive the information pertaining to this matter and my information was also in data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: ID

Complaint narrative:
With the apple card, I connected through their apple wallet. I was told I confirmed with two factor authentication. XXXX XXXX then told me I needed additional verification after discussing crucial account details to close the account. They won't let me close despite two factor security

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am submitting my third dispute with Navy Federal Credit Union regarding the charge of {$270.00} on my account. I am not sure if my two previous disputes for this same transaction were properly reviewed. Although the package shows as delivered, it was not present on my brothers steps when he arrived home. I also reported the delivery driver, as situations like this do occur. Items are sometimes marked as delivered, photos are taken, and then the items are removed or stolen. Regardless of the circumstances, the package was never received. I should not be held responsible or required to pay for items that I did not receive. I am requesting that this charge be refunded back into my account At this point, I am very frustrated with how this matter has been handled. It feels like my concerns are not being taken seriously, especially after multiple disputes. With the amount of fraud and delivery issues happening today, I expect stronger support and a more thorough investigation from my financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. I am writing to address a significant issue concerning my credit report with Ally Financial, specifically regarding an account that is being reported incorrectly as derogatory on my XXXX report. The account in question is listed with the number XXXX XXXX XXXX XXXX XXXX and shows a balance of {$0.00}, yet it is marked as derogatory. This incorrect reporting is adversely affecting my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. On XX/XX/XXXX, I filed a dispute regarding this incorrect account information with XXXX, citing that the details were incorrect and needed to be revised or removed. Despite this effort, the derogatory status remains on my report, causing ongoing harm to my creditworthiness. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies ensure the accuracy of the information they provide. It appears this obligation has not been met, given the erroneous derogatory status of this account. The derogatory mark is unjustly lowering my credit score, which impacts my ability to secure loans, credit cards, and other financial services. As a consumer, I expect credit reporting agencies to maintain accurate and up-to-date information. This error is not only a breach of the FCRA but also a source of considerable stress and financial difficulty. I am requesting the complete removal of this account from all three credit bureausXXXX XXXX, and XXXX a resolution to this issue. I believe that this action will rectify the inaccuracies and restore my credit scores to reflect my true creditworthiness. I trust that you will handle this matter with the urgency and seriousness it requires.

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 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am filing this complaint due to an ongoing delay in resolving my auto insurance claim involving my lienholder, Westlake Financial Services. My insurance company has advised that they are unable to proceed with payment because Westlake submitted an incorrect letter of Guarantee and had to retract it to issue a revised version with the correct payoff amount. Although Westlake has stated they are " working on it, this issue has now delayed my claim well beyond 30 days. There are no outstanding requirements on my end. This delay is causing financial harm, as I remain responsible for a loan on a vehicle that has already been deemed a total loss. Westlake 's failure to timely provide accurate documentation is directly preventing the resolution of my claim. I am requesting immediate submission of the corrected Letter of Guarantee and full cooperation with the insurance company to finalize this claim without further delay.

Company response to consumer: Closed with explanation