vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a Care Credit card with synchrony bank, they had contacted me and told me that I need to pay off the balance because the promotion was ending or they would be charging me the interest for the full promotion amount. I paid off the full amount ( around XXXX ) I asked several times if that would bring my amount owed to XXXX and I would not owe anything after that and they assured me it was the full amount. The next month they said I still had a balance of over {$200.00} because there was charges from before the promotion. I payed that so I would not have late charges. Once again they assured me that was the only amount left and it was paid. It even said XXXX owed on the online portal. Now they have reported me for late payment and dropped my available balance from {$4800.00} to {$240.00} because they put an interest charge on my card that I had no idea about. The interest charge and the late fee that they reported was for {$7.00}. They are ruining my credit for interest charges on XXXX balance that I had no idea about. And they said I would have a XXXX interest charge next month on the {$7.00}.

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This is a follow up to a previously filed complaint against Goldman Sachs Apple Card. I am filing this additional complaint with new critical information regarding deceptive business practices. I originally enrolled in a payment plan in XX/XX/XXXX which was terminated XX/XX/XXXX due to a missed payment. I re-enrolled on XX/XX/XXXX and made payments in both XXXX and XX/XX/XXXX. On XX/XX/XXXX I spoke with a Goldman Sachs representative who confirmed that despite account notes showing my re-enrollment and two payments there is currently no active payment plan on my account. The representative was unable to provide a satisfactory explanation for this discrepancy. Goldman Sachs has accepted my payments without maintaining a valid active agreement which constitutes deceptive and unfair business practices. I am requesting that Goldman Sachs pull all recorded phone calls and internal account notes from XX/XX/XXXX through XX/XX/XXXX to verify these claims. As resolution I am requesting that Goldman Sachs forgive the remaining balance in full and remove the charge-off tradeline completely from all three credit bureaus XXXX XXXX, and XXXX as remedy for their deceptive handling of my account. I am attaching bank statement screenshots confirming payments made to Goldman Sachs in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additional evidence including internal account notes confirming my payment plan enrollment and recorded phone calls are held by Goldman Sachs directly. I am requesting the CFPB require Goldman Sachs to produce these internal records including all account notes and call recordings from XX/XX/XXXX through XX/XX/XXXX as they are the only party with access to this documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I called PNC bank, regarding closing my account on XX/XX/year>. They said they closed my spend, reserve and growth accounts. I logged in to my account on XX/XX/XXXX and it was all there all the accounts, not closed. I also handle online banking for my moms PNC account sometimes to make credit card payments for her. When i logged in today to her account, i saw that her accounts were not showing up. So i called PNC again, and they said my, XXXX XXXX, account were open and not closed. So i figured they closed my moms accounts instead of mine. When i asked them to look into it and open again, they said they need to speak with her and get access from her, but they didnt needed access from her when they closed her accounts. And me and my mom are not joint account holders or share or listed as co-account owners in any way. The only thing that matches both our PNC accounts is my phone number, where they send XXXX passcode. But when i called PNC yesterday, she validated all my info including name, address, SSN and last 4 of my account numbers. So this is a serious errors and we need monetary damages, as my moms payroll will be sent back to her employer and she wouldnt be able to make credit card payments, which could damage her credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Expiration date was supposed to be XX/XX/XXXX. XXXX erroneously and fraudulently deducted $ XXXX from our back account in XXXX, funds were returned in XXXX less the amount owed for XXXX, approximately XXXX dollars. Manual, one time payments were made : {$1600.00} - XX/XX/XXXX {$800.00} - XX/XX/XXXX {$800.00} - XX/XX/XXXX IT department was notified of the system error and we were told they would fix the issue. Monthly calls have been made, and recorded on our side, with XXXX starting the account shows a serious issue with reporting our maturity date. They claimed the account has two open tickets to resolve the issue. - One for maturity date incorrect - One for XXXX payment not applying to XXXX Now, there's an additional issue related to showing a late fee now and 180 days past due. I spoke with XXXX and 2 supervisors today and XXXX applied a waiver for the late charges. There is no estimated time for the ticket to be resolved and they stated they are working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Finishing up 2025 tax year ending. Discovered that in XXXX of 2025 five checks were drawn against my business checking account and cashed. Did not notice this at the time, however extremely uncommon activity for this account. Was told by Webster Bank today that the transactions are too old to be looked at. On Webster Banks watch {$2500.00} was stolen from my account. There is no time limitation on theft. This was not even close to normal transactions on this particular account. I was told by Webster that they will only look back 60 days for account discrepancies! I am unsure of how going past 60 days relinquishes Webster from its obligations to its business customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NMLS ID : XXXX Last summer they said they hand delivered a notice to my door. They did not. I asked them to send me copies of everything I owed. They did not. They put a lien on my house. I hired an attorney XX/XX/year>. They summons me to court for garnishment. They did not show. My attorney has attempted to contact them dozens, and Dozens of times. I email them every day, with my attorneys information for them to reach out so we can settle the debt. They have ignored, every single attempt of contact and will not call back. This has gone on for 9 months. I am wanting to settle this debt but they will NOT return any calls, emails, or letters/documents in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Subject : Improper Fund Holds, Account Closure, and Resulting Financial Damages PNC Bank Complaint : I am filing a complaint against PNC Bank regarding improper handling of my account, including multiple fund holds, account closure, and resulting financial harm. On or about XX/XX/year>, I received the following transfers : * Two payments via XXXX * One payment via XXXX ( sent as an instant transfer ) * One payment via XXXX These transfers were expected to be available immediately or within standard processing timeframes. However, PNC placed holds on these funds without providing a clear, timely, or adequate explanation. As a direct result of these actions : * My available balance was restricted despite confirmed incoming funds * A check I issued was returned due to insufficient funds caused by these holds * I incurred fees and financial penalties that would not have occurred otherwise Additionally : * PNC closed my account during this period * My funds were not made available to me over the weekend following the closure * I was left without access to my money, causing significant financial disruption PNC failed to communicate transparently or justify these actions in a reasonable manner. The handling of my account was both negligent and damaging. Resolution Requested : * Reimbursement of all fees and financial damages totaling {$750.00} * Immediate release of any remaining held funds * A full written explanation for the holds and account closure * Review of PNCs handling of my account for compliance with applicable banking regulations Supporting Documentation : I have documentation supporting all transactions, fees, and resulting damages and will provide them upon request. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MD

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, Im 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 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am reporting a persistent service issue with XXXX XXXX regarding a one-letter clerical typo in my first name. I have been trying to resolve this simple spelling error for over a month. During my initial application, one letter was omitted from my legal first name. Despite my immediate and repeated efforts to fix this through phone calls and secure messaging, the issue remains unresolved. I have provided my California Driver 's License and Passport as definitive proof of my legal identity. However, XXXX 's customer service refuses to acknowledge these government-issued documents and continues to incorrectly treat this minor typo as a 'Legal Name Change. ' They are demanding court-ordered name change documents, which do not exist for a simple clerical error. This ongoing failure by the bank for more than 30 days is negatively affecting my ability to build an accurate credit profile. I am requesting an executive manual review of my attached IDs to correct the spelling of my name. Please refer to the attached files for the specific correct and incorrect spellings

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing and deeply concerning violations of federal consumer protection laws. After formally disputing these alleged debts and requesting proper validation, I was left frustrated and discouraged when the companies failed to provide any meaningful proof that I am legally responsible for these accounts. They did not produce basic, essential documents such as original agreements, records of ownership, complete account histories, or any clear evidence of their authority to collect. Despite my repeated efforts to resolve this matter, collection attempts and credit reporting activity appear to have continued without proper verification. This has caused significant stress and uncertainty, as I am being held accountable for debts that have not been substantiated. It is both alarming and unfair to face ongoing financial and reputational harm without clear and lawful justification. These actions raise serious concerns about potential violations of the Fair Debt Collection Practices Act, including the failure to properly validate debts and the use of misleading or unfair collection practices. Additionally, there appear to be violations of the Fair Credit Reporting Act, particularly regarding the accuracy of reported information and the obligation to conduct a reasonable investigation. Overall, the pattern of behavior suggests that these companies may be attempting to collect on unverified debts while reporting potentially inaccurate information. This situation has not only undermined my confidence in the fairness of the system but has also placed an unnecessary emotional and financial burden on me, pointing to what may be broader noncompliance with federal regulations.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
Complaint Against : American Credit Acceptance , LLC I am submitting this complaint regarding inaccurate credit reporting and an incomplete investigation by American Credit Acceptance , LLC. I previously disputed this account ; however, the company responded with a generic explanation and failed to correct clear inaccuracies. First, my credit report is currently reflecting a balance of approximately {$11000.00} on this account. However, documentation provided by American Credit Acceptance shows that the actual deficiency balance is {$7700.00}. This is a clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report accurate information. Reporting an inflated balance is misleading and harmful to my credit profile. Second, the account is being reported as a repossession, when the vehicle was voluntarily surrendered. This distinction matters, and reporting it solely as a repossession is misleading and does not accurately reflect the account history. Third, the company has failed to provide sufficient validation of the alleged debt. I have not received : * Verifiable proof of proper notice prior to the sale of the vehicle * Proof that the deficiency notice was properly mailed and delivered * Complete auction documentation supporting the sale price * A detailed and verified breakdown of all fees and charges applied The company claims it conducted an investigation, but its response relied solely on internal records rather than providing independent, verifiable documentation. This does not meet the standards required under the Fair Credit Reporting Act for a reasonable investigation. Due to these issues, I am requesting the following : 1. Immediate correction of the inaccurate balance being reported 2. Correction of the account status to accurately reflect a voluntary surrender 3. Full validation of the debt with proper documentation 4. If the company can not provide complete and verifiable documentation, I am requesting deletion of this account from all credit reporting agencies I am seeking a fair resolution and expect the company to comply fully with federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
I have made a total of XXXX payments out of XXXX payments that I have left. My online portal only shows that I have made XXXX payments. I need my portal updated so that I know exactly how many payments are left. I have tried to call them, but you can never get a live person. There only recorded messages no matter which option you choose.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Last year, XX/XX/XXXX, I was sent a physical credit card by PayPal, which I did not personally request and was sent to me by PayPal, which was advertised as an extension to their online PayPal Credit Program, which offers 6 month no interest financing on all purchases over {$150.00}, and extending this benefit to the physical card, which could be used to purchase in person anywhere that accepts MasterCard, and subsequently enjoy the same special 6 month no interest financing. After reviewing my statements beginning XX/XX/XXXX to present, every purchase made with the physical credit card did not receive the special financing benefit, as it was advertised. Each physical card purchase since XXXX was charged interest, at a very high APR, on a monthly basis. None of the interest bearing purchases were posted on the online card interface, where you are able to track your purchases and make payments, and were hidden on the paper statements only in order for interest accumulation to continue without my knowledge. This physical card has no other benefits or point accumulation for using it to purchase items. It was solely advertised as an extension to the special financing account, but every purchase did not receive the special financing and instead was charged interest by PayPal. The marketing was deceptive and the marketed benefit was never fulfilled. I spoke to a PayPal Customer service representative and they explained to me that this was the case, and I would not be able to receive the special financing on the past purchases nor would I be refunded the accumulated interest. I ask to speak with a manager, but the representative refused to connect me, and said there was nothing she could do. Additionally, she mentioned that beginning XX/XX/XXXX, all purchases made on the physical card, and over {$140.00}, would now receive the special financing. I was unable to file a complaint or claim with PayPal, as no option exists to do so, with this specific problem, on their website. The Email I've attached to this complaint, urging me to activate the PayPal Credit card highlights how deceptive PayPal was in advertising this card, which frauded me and thousands of other customers out of Money.

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 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CarMax, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a financed vehicle purchased from CarMax that developed recurring safety-related defects shortly after purchase and was later repossessed while the issue remained unresolved. Vehicle : XXXX XXXX XXXX purchased from CarMax XXXX XXXX around XX/XX/XXXX, with under approximately XXXX miles at the time of purchase. At the time of sale, I was informed that the vehicle had undergone inspection and was safe and ready for sale. The vehicle also carried an active manufacturer warranty through XXXX. Within approximately four days of ownership, I began experiencing recurring safety system failures while driving. Specifically, the dashboard repeatedly displayed warnings including Forward Driving Aids Temporarily Disabled, involving the vehicles forward collision and driving assistance systems. This issue was not isolated and continued repeatedly over the course of ownership, typically occurring after approximately 1520 minutes of driving. I reported the issue to CarMax multiple times and brought the vehicle in for inspection and repair attempts through the XXXX XXXX location. Despite repeated complaints, I was informed that no issues were found and that the vehicle had been serviced appropriately. However, the issue continued to recur, including again on XX/XX/XXXX, while actively driving. I documented the warning with photo evidence in real time. On XX/XX/XXXX, at approximately XXXX XXXX, the vehicle was repossessed while the safety-related defect remained unresolved and actively recurring. Afterward, I contacted XXXX XXXX XXXX directly regarding the repair and service history tied to the vehicle. During those discussions, I was informed that only a battery-related repair appeared in XXXX records and not the recurring safety system issue that I believed had previously been addressed. I have since opened : A formal case with XXXX XXXX XXXX A formal case with CarMax Customer Relations/ Corporate Headquarters My concerns include : Financing obligations tied to a vehicle experiencing recurring unresolved safety defects shortly after purchase Potential negative credit impact resulting from the repossession Concerns regarding representations made about the vehicles condition, inspection, and repair history Emotional distress, financial hardship, and ongoing XXXX caused by repeated safety failures while driving and the subsequent repossession I am seeking : A fair review of the financing and repossession circumstances in light of the unresolved defect Protection against unfair negative credit reporting related to this matter Review of the handling of the account and vehicle condition prior to repossession Assistance toward a fair resolution with the company I have documentation supporting my complaint, including photographs, communications, timeline records, and corporate case references.

Company response to consumer: Closed with explanation