vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: AZ

Complaint narrative:
I got paid on XX/XX/XXXX. I got sick over the weekend and by Sunday, when i was feeling better, i realized i didn't have my phone. I had my son track my phone, and we went to get it from a store we were at on Friday. Unfortunately my wisely account had been hit for some XXXX  site for almost {$400.00}. I called wisely right away and realized i must have lost my card on Friday while shopping with my children also as i could not find my card. I explained all this to the dispute department who advised i would be getting a form in the mail that i must sign and return within 10 business days or my claim will be denied. On XX/XX/XXXX, my claim was denied and i still haven't received the form. They won't tell me what they used to make their decision and if i want any copies or to reopen the dispute i must write to them and send thru the mail. On XX/XX/XXXX i received the form of which states my claim requires extra information. Im to full of the form sign and return within 10 business days of XX/XX/year>. I filed it out, signed, and returned to then via email ( per the form instruction ). I called to explain i just received this form and although I'm still within my 10 business days, is life to know why they denied my claim but yet i have this form that states it requires further information. Their responses that the form is in the event that a provisional was to be credited they would need the signed form in order to do so. So they've completely changed up the whole reason for the form and what the form even States on it that it is for. the representative and supervisor for their confirmed that in order for me to get any documentation that supports their denial or to have my case reopened I have to write in and request both and send it through the postal mail. I have written the document that I am going to be sending in tomorrow 's mail to have my case reopened and documentation sent to me of which he also informed me would be sent through the postal mail. 

XXXX - Filed this with XXXX XXXX XXXX XXXX XXXX - called back and spoke to supervisor advising then if the card holder agreement posted on their website and app of which relieved me of any unauthorized purchases so long as i notified them within 2 business days of it occurring. They denied such posting and such agreement. I have the copy downloaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: RI

Complaint narrative:
Unjustified Denial of PayPal Case # XXXX On XX/XX/year>, I purchased a PC from XXXX for {$1700.00} using PayPal XXXX Transaction ID : XXXX XXXX. The item was defective upon arrival. The power supply was dead, tested with a multi-meter. 

I initiated a return with PayPal and opened a dispute with PayPal ( Case # XXXX ). As instructed by PayPal, I shipped the PC back to XXXX 's return facility in XXXX, CA via XXXX ( Tracking # XXXX ). 

The case was first denied based on the false claim that I failed to use a merchant-provided return label. This was in direct contradiction to the instructions from PayPal, who explicitly told me to create my own label for the return. Only after I spent time escalating the matter did PayPal 's team finally acknowledge their own mistake and reverse this initial, baseless denial. 

Following that reversal, the case was then denied again, this time based on an error in the XXXX tracking data which incorrectly listed the package weight as XXXX lbs instead of its actual weight of XXXX lbs. 

A PayPal supervisor then informed me that the only way to appeal this decision was to provide official documentation from XXXX admitting fault for the weight discrepancy. I followed these instructions precisely. I contacted XXXX and obtained a formal email confirmation ( UPS Case # XXXX ) stating the XXXX lbs entry was a system error and the correct billed weight was XXXX lbs. 

I submitted this official XXXX documentationthe exact evidence PayPal demandedas part of my appeal. Despite my full compliance with their instructions, my appeal was denied for a final time on XX/XX/year>, without any valid reason provided. PayPal has refused to acknowledge the definitive proof from the shipping XXXX that they themselves required me to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Sunbit, Inc.
State: NY

Complaint narrative:
XXXX XXXX had four phone calls one the girl told me someone i know probably is using my information then guy said my account was closed and then i got a text from a number and then they called and gave me another womans name location and last four of social and i said thats not me and they asked for my social today XX/XX/XXXX i get a nice woman she helped me reset my account card has been turned off since XXXX and they are t getting anything its all hacks and told me to fill one of these out and do a police report now that they already knew my name my email my social and passwords to make a report. Note this is all with Sunbit XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am filing a complaint regarding two separate debt collection accounts reported by LVNV Funding, which I do not recognize, and which appear to be improperly reported or duplicates.

One account is listed as LVNV Funding Account # XXXX, with a balance of {$1200.00}. 
A second account from LVNV Funding appears with no account number and a balance of {$1100.00}. 
I was never notified of either debt and was not given a chance to validate or dispute these accounts, as required by the Fair Debt Collection Practices Act ( FDCPA 809 ). 
Additionally, LVNV is being misrepresented as the original creditor, which is inaccurate and misleading they are a debt buyer, not the originator of the debt.

If they claim proper notice was given, I request certified mail proof with my signature and full validation of the debt, including a signed contract, itemized payment history, and proof of legal assignment of the debt. 
Because these debts are : Not mine Potentially duplicates And improperly reported, I request the immediate deletion of both accounts and that LVNV Funding cease all collection activity moving forward. Failure to correct this may result in legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a new bill payee. They send the payment request to my bank 2 weeks before the service has been on 30 days. There was no money in there to cover it yet. The bank paid the overdraft although I had to sign saying whether I would allow this or not on this account. I did not. I requested they return all overdrafts as unpaid and signed a document to that effect at the bank. They didnt. They paid it anyway against my wishes. I want my XXXX from the XXXX payment put back/credited back to my account from XXXX, as soon as possible. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the late payments and charge-off reported on my account with XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX 

I was never late on this account, and under the FCRA, credit bureaus must ensure maximum accuracy. I request that you investigate and provide proof of these late payments and the charge-off. If no proof can be provided, the account should be updated to show on-time payments or removed entirely. 

This account was active during the COVID-19 disaster period, so the reporting may also violate the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
I am filing this complaint because Avant , LLC / XXXX is reporting inaccurate information about my account on my credit reports. The information being reported is incorrect, and despite previous attempts to dispute directly with the company, they have failed to correct or validate the information within the time required by law. 


Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information and to expect a reasonable investigation within 30 days. Avant / XXXX continued reporting of false information violates these rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter serves as formal notice of my intent to file a lawsuit against Experian Information Solutions , Inc. for willful and/or negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., due to your repeated failure to conduct a reasonable reinvestigation of disputed information regarding a XXXX XXXX charge-off account ( Account XXXX. XXXX ). 

I submitted multiple disputes to Experian concerning the accuracy of this account. However, the account continues to be reported as verifiedwithout any documentation, explanation, or investigation results being provided. My dispute is based on the following facts : I was out of the country at the time the vehicle was repossessed. I was never informed of the resale amount and have no confirmation of how much was applied to the loan balance. 
The balance Experian continues to report is inaccurate and unverifiable, likely not reflecting the proceeds from the repossession sale. 
Several dates reported on the accountincluding last payment date, delinquency date, and charge-off dateappear to be incorrect or in conflict with my records. 
Despite these concerns, Experian has not provided a meaningful reinvestigation, in violation of its obligations under the FCRA. 

These actions constitute clear violations of the following provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation ; 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a description of the verification process ; 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete or correct inaccurate or unverifiable information.

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 2025-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: LA

Complaint narrative:
I have been trying to put my loans in auto pay to reduce the amount of interest payed a month. Instead of approving the autopay they put my loan into forbearance and capatilized off the interest, which increased my loans. I have payed {$10000.00} in payments this year, but the balance remains closely the same to when I started. I was previously able to pay my loan without issue so I didnt need anything done to my loan. I only wanted autopay.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ClearOne Advantage, LLC
State: TX

Complaint narrative:
I am currently enrolled in ClearOne Advantages debt settlement program and have serious concerns about how my accounts have been handled. Ive experienced credit damage, unexpected settlement outcomes that conflict with their advertising, and conflicting information from creditors. 

I made multiple formal requests by phone and email for documentation showing how my payments were used, what was communicated to creditors, and whether my accounts were properly settled. ClearOne failed to provide this documentation and refused to disclose their Texas surety bond information, which Im entitled to as a Texas resident and current client.

One major issue : ClearOne allowed a XXXX XXXX  account to proceed to court, resulting in a judgment, despite early warnings and my reliance on their guidance. I was advised to ignore creditor contact, and ClearOne failed to act or escalate until it was too late. 

Another issue : a debt sold to XXXX XXXX was marked settled by ClearOne, yet XXXX reported a balance for months before quietly removing the tradelineagain, with no documentation or explanation provided. 

I am requesting that ClearOne provide all legally required documentation and their Texas surety bond details so I can investigate suspected mishandling and determine if further regulatory or legal action is needed. I also have recorded phone calls documenting these discussions and formal requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
In XXXX roughly the XXXX I got a notification from XXXX XXXX that my credit score went down over XXXX points. I logged on immediately to find Hyundai XXXX XXXX was claiming that they did not receive @ least XXXX of my monthly payments. I immediately got on the phone with them and let them know for years I have had auto payments directly from my bank to them. Never missing a payment. I prided myself on my credit score. The representive told me that they applied my car payment to and excise tax bill that I never received instead of putting it towards my loan. After an extremely long phone conversation he reassured me he fixed the problem and I would receive the bill in the mail. I stated that I hope this will not effect my credit as they took it upon themselves to apply my payments elsewhere. He assured me it would not. I never received the bill in the mail and then receive another notification that a payment was not made. I was extremely upset and asked they listen to the recorded line. They even showed in their noted that I mentioned my credit. I called again and was transferred and given the run around through different departments. I insisted they document our entire conversation but it seemed they only documented what they thought necessary. I then got on the phone with equifax as well as reaching out to transunion .letting them know they have false information. some employees were willing to give me their ID # XXXX and others stated they had no such info. I could go on and on.My car payment is {$460.00} a month. I can show bank statements that these monies came out on time. Although I never received an excise tax bill that they stated they would send out twice and they did not. I decided to pay it off over the phone in full without even seeing a bill. Also because I moved to Florida now, for whatever reason my car payment went up {$4.00} this Hyundai did not let me know as well. So I adjusted the bank payments. You can clearly see how many years I paid all my bills in full and never late. I even sent a formal later stating to remove from my credit report and have gotten nowhere. Please help me. My credit score means everything! Like I said they claim I was on a recorded line So all info is there as well. I want to clarify this is a complaint about the credit reports and especially Hyundai XXXX XXXX. If they had applied my car payment to my monthly car payment rather then take it upon themselves to apply it elsewhere I would not have this problem. Pertaining to the credit reports they do not have all info on this and I had asked to remove it and it still has not been done.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened XXXX XXXX XXXX on XX/XX/year> with a balance of {$8400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
XXXX

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 2025-06-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
XXXX

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I submitted a complaint on here about a debt through XXXX XXXX group, the company responded stating that they were going to have the credit bureaus remove the collection account from my credit report. I have not seen this happen, even though it was stated it would. I disputed the debt again with Experian and submitted the form and the response that I received from you, and they still left the collection on my credit report. I have talked to the original creditor on multiple occasions, they have told me every time that I owe them no money. They even deleted the account that was being used to try to collect that debt, yet this is still ongoing. It is the only thing I have in collections and I am trying to work on my credit so we can buy a home and this is one thing that is hurting me. 

I just want this to be removed. I have the original creditor telling me that I owe nothing and the collection agency saying they are dismissing it... why is Experian choosing to leave it on there?

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 2025-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: GA

Complaint narrative:
I am submitting this complaint regarding the handling of my federal student loans by MOHELA. I am a former public school elementary teacher with over seven years of service. Since losing my job, I have had very limited income and have applied multiple times for deferment, forbearance, and income-driven repayment plans. Each time, I am told I do not qualifyeven after providing documentation of my financial hardship.

I most recently applied again for assistance on Thursday, XX/XX/year>, and received another denial on XX/XX/year>. Despite my current financial circumstances, I have expressed willingness to make small or partial payments while seeking a resolution, but MOHELA continues to tell me I have " no available options. '' I have also applied for the XXXX loan forgiveness and service cancelable programs based on my employment as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for over seven years, but I was also denied without clear reasoning or explanation. 

I am now receiving daily phone calls from MOHELA, despite informing them that I am unemployed and seeking deferment or reasonable accommodations. These calls are persistent and offer no solutions, only pressure and now threats of litigation, which I believe are unjustified given my attempts to comply and communicate in good faith. 

I am requesting that the CFPB investigate these practices and assist in holding MOHELA accountable for its mishandling of my case and failure to provide appropriate relief options that are federally mandated for borrowers in hardship or public service positions.

Company response to consumer: Untimely response