vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
I was sent a letter from Lloyd and McDaniel, PLC with very threatening language that they were preparing to file a lawsuit against me unless I paid them a certain amount of money, although there was no verification of said owed debt. They stated they sent a letter prior, which was never received by me. They signed the letter " Lloyd and McDaniel , PLC '' after threatening legal action against me, never identifying themselves as an attorney or providing a name and signature. I find their conduct to be abusive and a violation of my rights by the FDCPA. I have sent a dispute to their office via XXXX, via email as well and their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: Chime Financial Inc
State: WI

Complaint narrative:
This ended up happening and I requested a dispute with the company the company denied it for no reason at all as I had valid reasons for the refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I pulled my Experian credit report and noticed that my former mortgage account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), loan ending in XXXX, is being reported in a contradictory and inaccurate way. 

Experian shows this mortgage as Transferred with a {$0.00} balance, {$0.00} past due, and the comment Transferred to another lender or claim purchased. However, Experian is also reporting the XXXX XXXX as XXXX 60 Days with a last reported date of XX/XX/XXXX. 

A loan that has been transferred to another lender and shows a XXXX balance and XXXX past due can not logically be currently 60 days late. If there was any delinquency before the transfer, it should only appear in the historical payment history, not as a current XXXX 60 Days status on a transferred, zero-balance account. This is misleading and makes it look like I am still delinquent when I am not. 

In addition, another major credit bureau reports the same XXXX mortgage XXXX XXXX, {$0.00} balance, {$0.00} past due, and XXXX, with no ongoing XXXX late status. This shows that Experians reporting is inconsistent and not accurate.

I disputed this with Experian and asked them to correct or delete the inaccurate XXXX 60 Days status. Experian responded that the information was verified but did not fix the contradiction or explain how a transferred, XXXX-balance account can be currently 60 days late. 

I then contacted the mortgage servicer. I received a letter from XXXX XXXX dated XX/XX/XXXX confirming that they received an inquiry from a credit bureau on XX/XX/XXXX regarding this loan and that they responded to the bureau. Despite this, Experian continues to report the account with a current XXXX 60 Days status. 

This false derogatory information is lowering my XXXX XXXX and harming my ability to obtain credit on fair terms. I am asking for Experian to be required to properly reinvestigate this tradeline, correct or remove the inaccurate XXXX 60 Days status, and stop reporting information that is inconsistent and misleading.

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 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: OH

Complaint narrative:
They sent a text message detailed to my estranged husband about an arrangement with a payment coming out then a statement that he was able to click on with my name and account and amount owed what they was taking out and when and he forwarded me everything they sent him. He did not have to verify anything to see it. They have the correct contact info for me and I have not been late I am confused why this happened and how they got away with doing this I feel like this is breaching my personal information without my consent. I have tried to call to reach out to them since and have yet to get ahold of a live person to talk to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
The amount is incorrect that they're claiming i owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
I filed XXXX XXXX XXXX XXXX XXXX  XXXX they got paym ents thur the trusttee until XXXX of XXXX I lost job cant pay. They say I owe almost 2 times as much as I borrowed on my credit report states.XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HGREG.com
State: FL

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from the dealership, HGreg in XXXX. During the paperwork process, the dealership added several extra products to my loan, including XXXX insurance and multiple protection packages. I was told these items could not be removed, and the finance manager used pressure tactics, claiming they were required and that drivers in Florida are bad, so I needed them.

After the purchase, I learned that these products were not required and that I legally have the right to cancel them. I contacted the dealership and requested cancellation of GAP and all other add-on products. The dealership never responded to any of my emails and did not provide any documentation or confirmation.

I refinanced my loan shortly after through a credit union, and none of the refunds for the cancelled items were ever applied to my loan balance. The dealership has not issued the refunds, has not communicated with me, and has ignored multiple attempts to resolve this.

I am requesting CFPB assistance because the dealership is withholding refunds for cancelled add-on products, failed to respond to my cancellation request, and misrepresented the products as required. I want the full refund of GAP and all additional products to be issued and applied to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: ADP Inc.
State: TN

Complaint narrative:
The customer service numbers provided by the company, Wisely ADP, wouldn't connect me to a automated system or customer service employee. The company app I downloaded accepted my personal information, but then wouldn't allow me to proceed to access my account. This occurred on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Chime Financial Inc
State: TX

Complaint narrative:
Company : Chime Financial , IncXXXX ( XXXX ) and XXXXXXXX XXXX XXXX 
Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX I am filing a complaint regarding inaccurate and incomplete reporting from XXXXXXXX XXXX on my credit report for my secured credit card account.

Account Information : Account Number : XXXX XXXXXXXX Date Opened : XX/XX/year> Date Reported : XX/XX/year> High Credit : {$81.00} Balance : {$0.00} Status : Pays As Agreed Narrative Codes : XXXX ( Secured ), XXXX ( Pays As Agreed ) Months Reviewed : XXXX Although the account is positive, it is being reported with missing and inconsistent information, including : No credit limit reported, even though this is a secured card with a fixed deposit-based limit. 

Incorrect or incomplete payment history, with several months missing even though the account was open and active. 

XXXX XXXX is blank, which should indicate Open. 

Missing scheduled payment amount and other standard fields, resulting in an incomplete tradeline. 

These omissions make the account appear thin, incomplete, and not fully established, which affects my credit profile. 

I contacted the bureaus and reviewed my report, and these reporting issues appear to come from XXXX Bank XXXX not the bureaus. 

This incomplete information violates : FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers must report complete and accurate information ) FCRA 623 ( a ) ( 2 ) ( duty to correct and update information ) FCRA 607 ( b ) ( maximum possible accuracy ) What I Want to Happen I am requesting : A full investigation into XXXX XXXX XXXX credit reporting.

Correction of all missing and incomplete fields, including : Correct credit limit Full month-to-month payment history Accurate activity designator Any details required to make the tradeline complete Written confirmation that updated and corrected information has been sent to all credit bureaus ( XXXX XXXX XXXX  ) XXXX 

Removal of any inaccurate data and replacement with fully accurate and complete information. 

This is a straightforward correction request under FCRA accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Re : Account Number : XXXX To Whom It May Concern : This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I am instructing you to immediately cease and desist all communication, both oral and written, concerning the following account : Account Name : XXXXCOMENITYXXXX Account Number : XXXX Balance ( at time of last report ) : {$0.00} Status ( at time of last report ) : Closed. {$1700.00} written off. 
Under 15 U.S.C. 1692c ( c ), once you receive this letter, you may only contact me again to advise that : Your communication efforts are being terminated. 
You are pursuing a specific remedy, such as a lawsuit. 
A specific remedy is about to be pursued by your organization. 
Failure to comply with this request constitutes a violation of the FDCPA, which could result in legal action against your agency. I am keeping copies of all correspondence and records of all communications. 
Please be aware that this cease and desist letter does not acknowledge the validity of the debt, nor does it waive any of my rights to dispute this debt in the future. 
I expect your full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
I received medical care from XXXX XXXX XXXX XXXX XXXX XXXX. They waited XXXX years to run my insurance, for which it was rejected for Timely Filing. I requested my medical records, and at that time I provided an updated name and mailing address. After this, the medical provider sold my debt to collections. I received no mail or phone calls at this time. I only learned of the debt in XX/XX/XXXX when my XXXX XXXX went down XXXX points and I had to do my own digging to learn that my debt was sold to Synergetic Communications. At the time of treatment, I was under my parents ' insurance plan, and then they inform me that Synergetic Communications had called them XXXX times in a 7 day period XX/XX/XXXX. They called from XXXX numbers : XXXX and XXXX. Additionally, I had coverage via my auto insurance, which I have proof that I provided and that that was also never run ( as shown in the ledger ). 

I have emails from the medical provider showing that I sent them my insurance at the beginning of receiving treatment, and that the information was received, as well as the updated name and mailing information. Because I had to do my own researched, Synergetic is now claiming I owe interest to a total of over {$14000.00}. I believe this debt to be invalid because the medical provider failed to run my insurance in a timely period, did not provide notice to a current address ( that I provided ), and that the collections agency called me over the legal number of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
THESE ACOUNTS ARE NOT MINE AND HAVE DISPUTE THEM COUNTLESS OF TIME AND TIME AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
I WANT THIS ITEM TO BE REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Today, Saturday XX/XX/XXXX, I applied for a credit line increase on my Capital One Quick Silver card. I was declined because I don't use my card enough. I quickly called CaptialOne because I use this card every monthly or weekly even. So much so that I had a balance of XXXX. I just paid off this balance. When I contacted CaptialOne, the first agent, XXXX, told me that there was no further information she could give me. So, I asked for her to escalate my call. I then reached XXXX XXXX, employee # XXXX who was incredibly impolite and unwilling to assist. When I asked for escalation, she informed me that there was no escalation process, no email and no corporate address for me address my concern. 

My concern was that my account wasn't reviewed properly. Or, if it were, there is some underlying fraudulent activity going on and I need Captial One to help me get to the bottom of it. I expressed that the issue wasn't that I was declined, it was the " why ''. I've never missed a payment. My payments ( ALL OF THEM ) have been made on time and Ive never once been late. I always pay over the minimum balance as I sometimes pay twice monthly. So I need to ensure that there isn't anything wrong.

Instead, I was met with impatience and unnecessary rudeness, with no way to resolve my issue. I am not entitled to a credit increase. I am, however, entitled to decisions that are based pff of factual information. I would be fine with them just saying no without a reason. However, a reason was provided and it wasn't rooted in the facts of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Re : Claim XXXX Improper Reversal of {$690.00} Credit Dear Chase Claims Team, I am writing to formally dispute the reversal of the {$690.00} credit that was previously issued under Claim XXXX for a defective XXXX  XXXX XXXX XXXX XXXX  purchased from XXXX XXXX XXXX  ( charge dated XX/XX/year> ). 



The item never powered on or functioned from the moment it was received. I immediately contacted the seller with proof, including photos and video, showing that the product was defective and completely unusable. Despite this, the seller offered no exchange, no replacement, and no meaningful resolution. I followed every step in Chases claims process and provided full documentation, including all correspondence and proof of the issue. 



This was not buyers remorse. It was a defective, large-ticket electronic item that never worked and was never used. I did not get the product I paid for.

I respectfully request that this matter be escalated to a senior claims specialist and that the {$690.00} credit be reinstated immediately. If unresolved, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC )
.

I have been a loyal Chase customer for decades, and Im asking you to correct this wrong. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Issue : Credit card dispute handled improperly ; Citi ignored evidence and accepted fraudulent merchant claim without verification. 

Complaint : I was scammed by an offshore XXXX seller based in XXXX who sold counterfeit XXXX XXXX coins far below spot price ( a known fraud pattern ). I returned the fake items using the XXXX-issued return label and have both the original label and the USPS receipt showing I tendered the package. 

The seller disappeared, and XXXX suspended the seller for violations. XXXX confirmed the return was authorized and the seller stopped responding. XXXX also confirmed that the tracking number on the return label and the USPS receipt may be legitimate third-party XXXX XXXX logistics numbers that do not track publicly, which is normal.

However, Citi closed my dispute and sided with the fraudulent merchant based on the sellers false statement that the buyer still has the merchandise. Citi did not contact me to request my evidence, did not ask me to rebut the sellers false claim, and did not verify the merchant. This violates XXXX rules requiring reasonable opportunity for the cardholder to provide documentation. 

Additionally, once Citi opened the dispute, XXXX informed me they were required to stop the return process due to Citis involvement meaning Citi effectively froze the process and then blamed me for the return not finalizing. The seller was suspended, has vanished, and is clearly part of an offshore scam. 

Citi twice promised to reopen the dispute ( first in 2 days, then in 10 days ), but never did. The case is stuck in Citis system, and phone agents can not reach the back-office dispute team. 

I am requesting that Citi reopen the dispute under a new case ID and review the new evidence : counterfeit goods, XXXX return approval, proof of USPS acceptance, seller suspension, and XXXX confirmation of valid but non-public tracking. This is a clear case of merchant fraud and improper dispute handling by Citi.

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 2025-11-22 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: TX

Complaint narrative:
I am filing this formal complaint because my consumer report contains multiple errors, fraudulent information, and inaccurate reporting that violate my rights under the Fair Credit Reporting Act ( FCRA ). My report is showing two addressesXXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX and XXXX XXXX XXXX XXXX XXXX TX XXXXthat do not belong to me and were never associated with me, indicating possible identity theft, file mixing, or negligent reporting. There are also several accounts reporting as charge-off that I have no knowledge of and never authorized, including 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 XXXX XXXX XXXX XXXX XXXX  These furnishers have failed to provide any lawful verification, contract, or proof of debt, which violates FCRA 609, 611, and 623, and therefore these accounts must be permanently removed. Additionally, there are accounts reporting late paymentsincluding 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  which are inaccurate and damaging since I have never made late payments, and no verified documentation or payment history has been provided. Under FCRA 602 ( a ) and 607 ( b ), inaccurate reporting must be corrected immediately. My report also shows unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which were never approved or consented to by me and violate FCRA 604. I am requesting the immediate removal of all false addresses, deletion of unverified charge-off accounts I do not recognize, correction of inaccurate late payment reporting, and removal of all unauthorized inquiries. I expect compliance, a full reinvestigation, and written confirmation within the time allowed by federal law. This inaccurate reporting is causing me financial harm and must be resolved immediately.

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 2025-11-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Reference : XXXX Card Issue : Citi XXXX XXXX XXXX Merchant : Roto-Rooter Charge Amount : {$1500.00} Date of Charge : XX/XX/XXXX No action been taken for my dispute complain in following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 monetary relief