vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
A general email was sent to me by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank ) informing of upcoming fees regarding paper statements being sent via XXXX Mail. {$1.00} to start the first of the year, XXXX. It's stated in the email, fees can be avoided by signing up for paperless billing. Additionally, one may not physically see their statment online unless signing up for this mandatory service. I have a personal policy of not paying any bills : credit, medical, etc., unless I receive a paper bill via XXXX mail. No other vendors I do business with, has this unusual, possibly unlawful policy. Therefore, I respectfully request an investigation in this matter by this government agency. Additionally, I am cosidering closing this account if this policy is not reversed.

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 2025-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VT

Complaint narrative:
A quick internet search will have you reading hundereds of reviews relating to the preadtory and illegal practices conducted by the American Educational Services who handles student loans. For almost a year I have been completing their paperwork ( sent back certified mail ) for them to process so that I can make more managable monthly payments. They refuse to process my application. What they are doing is making me re- submit my application with the same information but each time my monthly payment goes up because of the added interest in fees. Despite having proof they received the information they requested, they won't approve for a reduced rate. I am now over XXXX behind ( I barely make XXXX a month ) and most likely will default because they won't do their jobs. They wont respond to any communication from me. Countless individuals have shared experiences, they need to be investigated, charged and put out of business. This is not acceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Byrider Franchising, LLC
State: MS

Complaint narrative:
CNAC repossessed the vehicle that I had to voluntarily turn in due to the company denying me hardship due to loss of job which was not my fault on XXXX XXXX, XXXX. The company never gave a letter to me stating I had voluntarily turned in the vehicle with my signature. I was wondering when I would receive a letter about the vehicle so I can get it back due to me telling the company I was looking for more work. I was made aware of the selling of the vehicle on XXXX XXXX once I called in to retrieve the vehicle by the case Manager XXXX told me I would be getting a letter in the mail. The letter came to my mailbox and it was a deficiency letter not a notice to sale/ intent to sell notice. I then contacted the company in regards of the letter. The company argue they sent the notice but couldn't never produce it. I argue the deficiency amount with the General Manager, XXXX XXXX and he said that they gave me 10 days to get the car back. That's when I asked how because a notice to sale was never sent. XXXX mentioned he could maybe take some of the deficiency amount of but wasn't sure .. He then spoke with his manager and they sent me a cancellation contract letter expecting me to sign it I didn't. The company never gave me the right to get my car back. The company also sold the vehicle for {$1400.00} and the deficiency balance was left at {$4600.00}. I was told by XXXX, manager that they sold it at an auction. I then explained that I could of retrieve my vehicle if the y gave me the chance. The company violated my rights and tried to cover it up by trying to get me to sign the contract cancellation letter they sent by email. When the company failed to send the proper notice before selling the vehicle the waived the right to arbitration and the contract is voided.I have not opt in to arbitration after the fact of the company failing to follow proper procedures before selling the vehicle. The company have not tried to resolve the situation fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX$160000.00} Navy Federal credit union Unauthorized transactions and stolen debit cards... 
XXXX XXXX XXXX I already filed a police report and filled out the forms for unauthorized transactions and stolen debit cards and I have only been credited {$180.00} to my over draft account and they said I still owe {$130.00} a! and they closed my accounts and said I got to pay the {$130.00} to open my accounts for them to honor the insurance for unauthorized transactions and stolen debit cards reimbursement from XXXX and FDIC and Navy Federal credit Union .. phone number ( XXXX ) XXXX .. this has been going on since 2016 .. please help me as soon as possible because I'm experiencing hard ship and emergency circumstances because I don't have source of income and I have been evicted and I don't have any way of getting food and water and daily necessities needed to live.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX which closed in XX/XX/year> with a XXXX balance I purchased a new lawn mower from a company based in Washington that does all third party financing. I had only planned to finance to help raise my credit for a short duration, thus why this account was paid off within a year. At the time of purchase, I needed help setting up auto pay with my business account information. Several months after my purchase, I received a call that the auto pay had failed after several times of this processing just fine. The XXXX took payment over the phone and helped me reset my auto pay - but there was nothing different than when I'd first set this up. Same Routing/Account number as day XXXX and I always had a large balance in this account for business accounts payable/receivables. Fast forward, same incident happened a few months later with failed auto pay so again, I requested this be reset. When the XXXX repeated my Routing/Account number to me I found that they had input an incorrect digit on their end so they said they would correct this for future auto pay drafts. Now comes the third time that auto pay failed, so I just told them that I would pay this entire balance off completely as this had been such a mess with them and their account management assistance. I told them that they had better not be showing my account late as this was not my fault but theirs. A couple of months later, I found that they'd reported all of these contested lates to the credit bureaus so I called them up requesting all of the communication records of calls and complaints to dispute the XXXX & XXXX  day late payment they reported. The representative was rude to me and said it could take up to XXXX  days for a supervisor to review my recordings. I then requested to speak with a supervisor during that phone call, and was advised the same thing. Then they told me that even if they were to pull up the records showing the errors on their end as well as my consistent calls into them, they told me that they can only review XXXX phone call despite months of phone call exchange history regarding the auto pay. They refused to help me clear up this unfair credit derogatory even when pointing out that a representative forgot to hit the button to re-enroll in auto pay after they took the account number to correct it. I have tried before to have the credit bureaus review and correct but all they do is verify this information with the creditor, who won't provide the documentation that would have cleared this up for me. This is affecting my home buying process and I would like to ask for this account to be reviewed.

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 2025-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I am filing this complaint against MRSBPO, LLC for reporting a collection in regards to an alleged {$190.00} collection account ( Acct # XXXX XXXX XXXX XXXX XXXX  ) that is currently being reported to XXXX XXXX XXXX XXXX I formally dispute this debt and request full validation pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Despite this lawful request, MRSBPO failed to provide any documentation establishing the validity of the debt, including : No bill of sale or assignment showing transfer of collection rights No itemization of the alleged {$190.00} balance No original signed contract or service agreement No proof they are legally authorized to collect or report this debt to Experian, Equifax, and Transunion Despite providing zero validation, MRSBPO continues to report the account to Experian, Equifax, and Transunion as a valid collection. This constitutes continued collection activity and unauthorized communication of disputed debt to a third party. 

Violations Committed FDCPA 1692g ( b ) MRSBPO continued collection and credit reporting without validating the debt, despite my timely written request. They were required to cease all collection activity until verification was provided.

FDCPA 1692e ( 8 ) Their furnishing of disputed and unverified debt information to Experian is a false and misleading representation of the character, amount, and legal status of the debt. 

FDCPA 1692c ( c ) Refusal to Pay/ Cease & Desist I issued a written cease and desist and refusal to pay notice. 
Under case law : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) Credit reporting itself is considered collection activity. 
Therefore, MRSBPOs continued reporting to XXXX  violates FDCPA 1692c ( c ).

FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( b ) As a data furnisher, MRSBPO must ensure accuracy and conduct a reasonable investigation of disputes. Continuing to report unvalidated and disputed information violates these provisions. 

Refusal to Pay & Cease and Desist Notice I hereby refuse to pay this alleged debt and instruct MRSBPO to immediately cease : All collection activity All credit reporting All communication with me or any third party Any further reporting or contact will be treated as a willful violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Someone had used my name without my knowledge to open credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-11 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XX/XX/year> This company is violating my rights CB/XXXX , they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Valon Technologies, Inc.
State: CO

Complaint narrative:
Before I received a mail letter from XXXX, I had received a mail from another mortgage company and they said that they were doing the mortgage now. 

So XXXX XXXX had Valon Mortgage start and they are reducing money from my bank account. This is not good that I am having XXXX mortgage companies. 

So Valon Mortgage needs to be cancelled right now because they have already told me that they are taking money from my bank account now. This is not correct. Again, another Mortgage company has already started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There is a store credit card account Bloom/CBNA opened XX/XX/year> that I never opened it was mistaken identity, theft, and/or fraud. This account is outdated should have been removed been over 7 years. I have a police report.

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 2025-12-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, I was a resident of XXXX XXXX XXXXXXXX Apartments. Unexpectedly, I received notice from National Credit Systems, a collection agency on XX/XX/XXXX via email of an outstanding balance for XXXX XXXX totaling {$830.00}. This was my first notice of the outstanding balance, XXXX XXXX  XXXX never contacted regarding the outstanding balance. I was charged a total of {$1000.00} in additional charges. My signed lease was for XXXX XXXX, while the unit under collection is for XXXX XXXX. I was unjustly charged for the Bed Frame Removal, damages to door, and no keys, no gate clicker, no mailbox. These charges are inaccurate, unverified, and in part, demonstrably false. 

When the collection agency, National Credit Systems, contacted me via email on XX/XX/XXXX, their 'Final Account Statement ' document listed an incorrect and incomplete mailing address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This error indicates that XXXX  XXXX XXXX Apartments failed to use my provided forwarding address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), thereby preventing me from receiving notice of the charges and directly disputing them with the property prior to the account being sent to collections. 

XXXX XXXX XXXX is refusing to remove the inaccurate collection account from my credit report without direct contact from the XXXX XXXX  XXXX. I've contacted the XXXX XXXX XXXX and they will not assist to resolve the situation. I am disputing this debt as National Credit Systems did not properly validate and verify the debt. National Credit Systems has a copy of my lease for Unit XXXX in their system, as well as the Final Account Statement that says Unit XXXX. This is an error that should have been caught and put the debt in to question when verifying the debt. 

In summary, XXXX XXXX XXXXXXXX sent the wrong account to collection and is now refusing to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation U.S. Dept. of Education / XXXX  To Whom It May Concern, I am submitting this letter to formally request debt validation for an account currently being reported or collected by : U.S. Department of Education / GLELSI Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please provide full validation of the alleged debt, including : 1. The name of the original creditor 2. A complete and accurate account history 3. Proof that I am legally obligated to pay the debt 4. A copy of the original signed contract or agreement 5. Proof that your company has the legal authority to collect or report this debt 6. An itemized breakdown of the amount claimed to be owed 7. All communication records, assignments, and transfer documentation Until full validation is provided, please cease all collection efforts and stop reporting this account to any credit bureau, as unverified reporting violates the FCRA. 

Please respond within 30 days of receiving this request. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Imprint Payments, Inc.
State: PA

Complaint narrative:
This issue started when XXXXXXXX XXXX XXXXXXXX transferred from the previous credit card company to the current company Imprint. In the first statement that Imprint issued on XX/XX/XXXX, which was for the statement period from XX/XX/XXXX - XX/XX/XXXX, they charged interest of 31.24 % to the purchase that was made on XX/XX/XXXX. In the second statement that issued on XX/XX/XXXX for the period of XX/XX/XXXX- XX/XX/XXXX, they charged interest of on a purchase that was made on XX/XX/XXXX. In the third statement dated XX/XX/XXXX for the period of XX/XX/XXXX- XXXX, XXXX, they charged interest on the purchase made on XX/XX/XXXX. In other words, Imprint has been charging consumers interest from the date a purchase was made, not when a statement balance was not paid in full before the due date. For the earlier two statement, I have paid full and more than full balance of the statements before each due date. The third statement is due XX/XX/XXXX. The interest charged in the XXXX statement is {$3.00}, the XXXX, {$54.00}. I am charged {$55.00} in the XXXX. For the XXXX statement, I called right after it issued, I was told to wait and see if the interest would go away since it was right after transferring to Imprint from the previous company. It didnt update so I called again before the statement due date and they waived the interest. For the second statement, I called right after the statement issued again and they waived the interest. For the third one, I just called, and the rep insisted that there was nothing wrong and that I owe the interest. The statements clearly indicates : How to avoid paying interest on purchases The grace period is the period during which you will not pay any interest on Purchases. Your Account will remain in a grace period if you pay the New Balance in full by the payment due date shown on your billing statement each Billing Period. If you do not pay your New Balance in full by the payment due date shown on your billing statement each Billing Period, you will lose your grace period and will pay interest on your Purchases from the date they post to your Account. If your Account has lost its grace period, you will continue to pay interest on your Purchases until you may regain grace after paying your New Balance in full by the payment due date shown on your billing statement for two ( 2 ) consecutive statement cycles.

I have made sure to pay the amount I owe and still getting charged for the interest. I believe this company is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Leafy Financial, LLC
State: SC

Complaint narrative:
On XX/XX/year> around XXXX XXXX my XXXX XXXX delivered a certified letter from Leafy Financial LLC. Once she showed it to me you could clearly see that my alleged debt account number with them was clearly exposed through the transparent envelope window under my address. Once we seen this, she held the piece of mail and photos were taken. Also the day before on my informed delivery online with the XXXX, you could clearly see the account number. I immediately took photos of that also. After taking photos, I opened the mail and I have emailed the company a letter with photos explaining they violated my privacy, that letter will also be sent to them by certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
Fortiva furnished inaccurate and contradictory information about my account. After making on-time payments for several consecutive months, Fortiva reported the account as closed and delinquent without notice. Fortiva later provided conflicting closure dates and reasons, including claims that the account was closed in XXXX for missed payments that allegedly occurred months later, which is impossible. 

Fortiva reported a missed XXXX payment despite receiving and posting an ACH payment of {$300.00} on XX/XX/2025. They also reported an incorrect balance that does not reflect this payment. Additionally, I was repeatedly unable to access my account due to login errors, including being unable to locate my account through their Pay Without Log In system. 

I contacted Fortiva multiple times requesting the closure date, closure reason, complete payment history, and proof supporting the reported delinquency and balance. Fortiva has not provided documentation and instead stated it would take 35 business days to send a response. As of now, Fortiva continues to report information it can not substantiate.

I am requesting correction or removal of inaccurate credit reporting and written verification supporting any information Fortiva continues to furnish.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief