vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding an alleged debt referenced above. This letter serves as a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : The name and address of the original creditor. 

The total amount of the alleged debt, including an itemization of principal, interest, fees, and any other charges. 

Copies of any written agreement or contract bearing my signature that establishes my legal obligation to pay this debt. 

Documentation showing that you are legally authorized to collect this debt, including proof of assignment or ownership. 

The date of default and the date the debt was acquired by your company. 

The last payment date and amount, if applicable. 

Until you provide the requested validation, you must cease all collection activities, including reporting or verifying this debt to any consumer reporting agency. 

If you have already reported this debt to a credit bureau, please note that failure to validate the debt constitutes a violation of the FDCPA and may also violate the Fair Credit Reporting Act ( FCRA ). 

This request is not an acknowledgment of liability for the alleged debt. 

Please provide the requested documentation in writing at the address listed below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing inaccurate credit reporting by Synchrony Bank ( SYNCB/Amazon ) XXXX 

In XX/XX/year>, I disputed a charge for merchandise not received from an XXXX marketplace ( third-party ) seller. The seller has never provided proof of delivery with my signature or that of an authorized recipient. 

Despite an active billing dispute, Synchrony Bank reported the account as delinquent and later as a major derogatory mark ( 120 days delinquent ). Reporting delinquency during an unresolved billing dispute violates the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

I am requesting : 1. Immediate removal of all delinquency and derogatory credit reporting. 
XXXX. Written proof of delivery bearing my signature or evidence that the dispute was properly resolved, if Synchrony claims the reporting is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: TX

Complaint narrative:
Complaint Against XXXX XXXX XXXX XXXX and American Express National Bank Product XXXX Bank account / Electronic funds transfer ( ACH or internal bank transfer ) Issue : Funds sent but not received / Missing funds/ Payment trace unresolved On XX/XX/year>, I sent {$3000.00} from my XXXX XXXX XXXX XXXX account ( Account # XXXX ) to XXXX XXXX XXXX at American Express National Bank ( Account # XXXX, Routing # XXXX ). 

XXXX XXXX XXXX has confirmed that the funds never appeared in their American Express National Bank account. 

XXXX XXXX XXXX XXXX later closed my account and has confirmed in writing that the {$3000.00} transfer was completed and that the funds were never returned to XXXX XXXX. XXXX XXXX also provided a payment trace for this transaction : XXXX XXXX Payment Tracing # : XXXX Amount : {$3000.00} Date : XX/XX/year> Despite this confirmation, the receiving bank ( American Express National Bank ) and the beneficiary ( XXXX XXXX XXXX ) state that the funds are not showing in the account. As of today, neither institution has been able to explain where the {$3000.00} is currently held or provide proof of final settlement or rejection. 

This situation leaves my funds unaccounted for. XXXX financial institution confirms the transfer was completed and not returned, while the receiving institution states the funds were never credited. Both institutions have failed to coordinate and resolve the issue. 

I am requesting that the CFPB require XXXX XXXX XXXX XXXX and American Express National Bank to : Identify the exact location and settlement status of the {$3000.00} transfer. 

Provide written documentation confirming the final disposition of the funds, and Ensure the funds are either properly credited to XXXX XXXX XXXX or returned to me promptly. 

This issue has caused financial harm and unnecessary delay, and I am requesting CFPB assistance to obtain a timely and documented resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
My vehicle was totaled by a deer on XX/XX/year>. My insurance company declared it a total loss to the finance company on XX/XX/year>. The insurance company picked up the totaled car on XX/XX/year>. The GAP insurance claim was finally processed on XX/XX/year>. The finance company, Credit Acceptance Corporation has been trying to bill me ever since. At first, I was able to view my account and a balance owed of {$530.00} and some odd cents. I have asked numerous times for an itemized detailed invoice of what the charges are from. I have asked for this information by phone at least XXXX  times ( I do not recall the dates ), XXXX time recorded, and by email XXXX ( XX/XX/XXXX, XXXX  times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) times. They have not provided me with a detailed itemized invoice of the charges. They have also now blocked my account so that I can not even see what the amount they claim I owe is nor will they send me an invoice of the charges. They have blocked my account access to hide unsubstantiated fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: POWERPAY, LLC
State: TX

Complaint narrative:
I obtained an installment loan with PowerPay for home repairs and made all required payments through Autopay on the XXXX of each month from XX/XX/XXXX through XX/XX/XXXX. Autopay was active and functioning during this entire period. 

In XX/XX/XXXX, PowerPay failed to properly recognize my scheduled Autopay payment and incorrectly notified me that my account was past due. I contacted PowerPay to address this issue. 

On XX/XX/XXXX, I paid off the remaining balance of the loan in full. After contacting PowerPay to confirm payoff, I was told that I still owed {$53.00} in interest. I immediately paid this amount as instructed.

After this payment, PowerPay confirmed verbally that my account was paid in full and closed. The PowerPay mobile app reflected a {$0.00} balance and a closed account status, and there was no further payment option available. 

In XX/XX/XXXX, PowerPay contacted me again claiming that I was late on a payment and owed additional money. When I questioned this, a PowerPay representative stated that the company has two internal systems that show different balances and that the discrepancy would need to be reconciled.

Despite this admission, PowerPay is now requesting additional payment, even though the customer-facing system continues to show a {$0.00} balance and a closed account. There is currently no mechanism available for me to make any additional payment through the app. 

I am requesting that PowerPay reconcile its internal systems, confirm in writing that my loan is paid in full with a {$0.00} balance, and ensure that no negative credit reporting has occurred or will occur as a result of this internal systems error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I tried to login to my synchrony.com account as I do every month. I was unable to make my payment. So I called them and ask why I couldn't. I was told that I had filed bankruptcy. I tried to explain to them that I didn't file. As the phone call progressed I was told that it was an error on their part. And that someone with my last name had filled, I as them to fix the mistake. But as of XX/XX/year>. My account is closed and still shows I am in bankruptcy. They know who the person is, and the case number. They shared that with me. I can't get credit anywhere until synchrony clear this up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
IM XXXX XXXX I HAVE 2 ACCOUNTS WITH TRUIST THAT ARE NOT CONNECTED I HAD XXXX IN MY MY BANK ACCOUNT THAT TRUIST COLLECTION TOOK IT TO PUT IN THE OTHER BSANK ACCOUNT CAUSING ME TO OVER DRAW FOR ONE I NEVER GOT ANY NOTICE STATEING COLLECTIONS FOR TRUIST WAS GOING TO DO THAT NO EMAIL NO PHONE CALL WHATS SO EVER I DID NOT GIVE WRITTEN CONCENT OR VERBAL CONCENT TO DO SO THAT ACCOUNT WAS COMPERMISED THATS WHY I SWITCH TO THE OTHER ON TO ME THEY SHOULD BE FINED FOR THERE ACTIONS I BEEN WITH TRUIST 14 YEARS THIS IS NOT FIRST TIME THEY BEEN THROUGH MY ACCOUNT WITHOUT WRITTEN OR ORAL CONCENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing a complaint against American Express for failure to conduct a reasonable investigation and improper handling of a billing dispute under the Fair Credit Billing Act ( FCBA ). 

I disputed a charge of {$2600.00} from XXXX XXXX XXXX XXXX WEB related to an international airline ticket. American Express denied my dispute solely based on the merchants assertion that the ticket was voluntarily canceled, without addressing whether I provided informed consent or whether the merchants policy was fairly disclosed and reasonably applied. 

The cancellation occurred after I contacted the airline to inquire about available options due to unavoidable circumstances. At no point was I clearly informed that this inquiry would be treated as a voluntary cancellation resulting in the forfeiture of nearly the entire ticket value. No reasonable consumer would knowingly cancel a {$2600.00} international flight within XXXX hours of booking with the understanding that over 90 % of the fare would be retained. 

American Express accepted the merchants statement without requiring proof of : Explicit consent to a non-refundable voluntary cancellation Clear disclosure of refund consequences at the time of cancellation Evidence that the fare rules were meaningfully presented and agreed to The airline refunded only {$220.00} while retaining the remainder of the charge, which I believe is disproportionate and unfair. American Express did not provide a written explanation addressing these concerns, nor did it demonstrate that it independently evaluated the fairness or adequacy of the merchants evidence. 

By relying exclusively on the merchants unsupported claim and rebilling the charge, American Express failed to meet its obligations under the FCBA to conduct a reasonable investigation and protect the cardholder from unfair billing practices. 


Supporting details They are XXXX disputes opened in AMEX, Total amount = {$10000.00} Dispute Reference : XXXX Transaction Amount : {$2600.00}, Total amount for XXXX tickets is {$10000.00} Merchant : XXXX XXXX XXXX XXXX WEB Partial refund issued : {$220.00} Remaining amount rebilled without adequate investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I am being scammed by a predatory merchant and CITI BANK is refusing to reverse the invalid subscription charges which continued after I attempted to cancel the service. The merchant states my attempts to cancel were unsuccessful ( through no fault of my own ) and refuses to refund me these erroneous and illegal charges. I filed a dispute with CITI BANK yet they decided to side with the merchant against me. I am being ripped off of {$200.00} dollars and the card company doesn't care that the activity was ILLEGAL. CITI BANK DOES NOT CARE ABOUT IT'S CUSTOMERS AND SUPPORTS MERCHANTS WHO VIOLATE FTC LAWS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I am filing a complaint regarding the servicing of my auto loans with Mountain America Credit Union ( MACU ). 

This issue has been ongoing since XX/XX/year> following the death of my mother, which caused financial hardship due to funeral travel and time off work. I entered into workout loan arrangements with MACU as a result of this hardship.

These workout loans were handled almost entirely by email. Despite repeated requests, MACU did not provide phone calls, did not review documents with me prior to signing, and did not return supervisor requests.

MACU failed to clearly disclose material loan terms, including that paying outside the workout loan due date would invalidate workout loan protections and that a loan due date could only be changed once and never again. These terms were not clearly explained and were only discovered after delinquency occurred. 

As a direct result of these disclosure and servicing failures, my loans are now approximately XXXX months delinquent and both vehicles are at imminent risk of repossession. MACU has refused to assist, refused to escalate to compliance, and stated I must pay or be repossessed. 

I have formally disputed these issues with MACU in writing and requested all loan documents and TILA disclosures. MACU does not provide secure messaging or a reliable written dispute channel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
I have a Robinhood Gold card. After having some trouble with my accompanying Robinhood investment app they made some changes that impacted my credit card app ( which is the only way to access support or make changes to the card/account ) which now prevents me from accessing the app. I have tried for days to reach out to support but they are either unwilling or inept and can not get me access back to my account. I am sending this complaint because I have spent XXXX hours trying to resolve this with the company and I simply want the ability to pay my credit card statement. The card is issued by XXXXXXXX XXXX XXXX  and there is no listed phone number to contact support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express {$25.00} gift cards. I have four of them that are on HOLD with full balance yet to use. I called the company and they claimed that it was because I tried to use too many at once?!? And I did not wait long enough to allow the HOLD to release ( 1 hour wait?!? ) They wanted my information, name, address to send replacements?!? I feel this is a breach of privacy. I should not have an unused gift card with a full balance placed on HOLD because they claim they want to protect fraudulent use. 

Go to their website to check balance. 3 of 4 cards on HOLD. 4th card can not be checked because of " system error '' I believe again this is so they can grab your information. Unable to simply check a balance, website wants you to " log in later ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX  : Purchase of {$43.00} on XX/XX/XXXX and a second purchase of {$26.00} on XX/XX/XXXX. Spoke with company about financial difficulties and hardship due health concerns and missed work. XXXX in XX/XX/XXXX for my son left me with reduced income but tried to stay current and ask for waiver of fees - nothing done by representatives on the phone. Personal medical event/emergency XXXX in XX/XX/XXXX for myself left me in another hardship and I was on unpaid FMLA from XXXX. They called me when I was in the hospital and recovering from XXXX at home. I requested a waiver of fees or some assistance due to hardship but nothing was done. They eventually sold me on a reduced payment plan to avoid more late payments on my report, but my income had not recovered from my extensive medical leave. I was taken advantage of in my current state as making any payment kept the account open longer. I was charged {$400.00} in late fees and XXXX interest for XXXX and a total of {$200.00} in late fees and {$79.00} interest for XXXX. I made good faith payments here and there not knowing the whole cost of they were charging my account. They closed my account in XX/XX/XXXX. They sold my account to a debt collector for {$750.00} in XX/XX/XXXX. I feel the practices were unfair and predatory as I have only used the credit line to purchase a total of {$69.00}. I made payments of more than {$200.00} to try and resolve the account, but talking with representatives thinking I would receive help was unfortunately a waste of time. They ensured they made enough in fees and interest, then closing my account. My credit limit was only {$250.00} how can they allow the account to get up the {$750.00} before closing it, charging it off and deeply harming my credit. Opened in XX/XX/XXXX and closed in XX/XX/XXXX. When I reached out in XX/XX/XXXX to obtain any documents related to charges, since I am being contacted from a debt collection agency, they were unwilling and told me to contact the debt collection agency for anything else. The debt collection agency does not have a full account history either. I have my purchase history from my emails and obtain the fees from some billing statements located.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: MOHELA
State: NC

Complaint narrative:
My student loan balance has increased despite substantial repayment. Over approximately the past XXXX  years, I have paid about {$40000.00} toward this loan. Despite these payments, my current balance is higher than the original amount I borrowed. 

I believe my payments have been misapplied and/or interest has been improperly capitalized. The balance growth does not align with the stated interest rate or payment history. 

I have reviewed my account statements and can not reconcile how the current balance was calculated. I previously contacted the servicer to request clarification and correction, but the issue remains unresolved. 

I am requesting a full, itemized accounting of all payments, interest accrual, capitalization events, and fees, and a correction of my balance if errors are identified.

Company response to consumer: Untimely response