vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
I am filing a complaint regarding false default reporting and negligent payment handling by Credit Acceptance Corporation. 

The issue began with my XXXX XXXX payment, which was never pulled on time by Credit Acceptance. According to the loan agreement, payments are due on or about the XXXX of each month. In XXXX, the XXXX fell on a Sunday.

Under any reasonable interpretation of on or about, Credit Acceptance should have attempted to initiate the ACH payment on either the business day prior ( Friday, XXXX XXXX ) or the next business day ( Monday, XXXX XXXX ). Instead, they waited until Wednesday, XX/XX/XXXXXXXX XXXX, a full four days after the due date.

A 72-hour window might still qualify as on or about. But Credit Acceptance exceeded that by pulling the payment 96 hours after the scheduled due date which no longer falls within the contractual window. Their failure to initiate the transaction during the acceptable range led to the payment failing entirely, and they subsequently marked the account as in default. 

I contacted them by phone after receiving the first notice in XXXX. One representative stated she wasnt legal and couldnt discuss contract language. Another rep blamed my bank, claiming I should have used a debit card instead of the scheduled ACH. However, ACH transactions only initiate once a lender sends a request. My bank confirmed they do not hold or delay funds unless a request is made. No request was sent by Credit Acceptance until XXXX XXXX.

Therefore, the missed XXXX payment is not a consumer failure it is a clear violation of the contract by the lender. Despite this, they continued to accept XXXX XXXX XXXX payments ( also late, by their own hand ), and still issued a second default notice in XXXX.

As shown in the attached service letter, Credit Acceptance advertises AutoPay as the best way to make payments on time, and free. This is false. They programmed AutoPay to initiate after the due date, and delayed the actual withdrawal by 4 days ( to XXXX XXXX ). As a result, the XXXX payment failed, not due to consumer fault, but due to their own scheduling. This led to a false default, {$600.00} in payment demands, and threats against my credit. This advertising is not only deceptive, it has caused actual financial harm and I am requesting investigation for violation of UDAAP and Truth in Lending standards. 

Attached is a copy of my original contract, signed XXXX XXXX XXXX, which clearly states that the first payment was due XXXX XXXX. Credit Acceptance failed to initiate the first withdrawal until XXXX XXXX. They programmed AutoPay to begin on XXXX XXXX already one day late by default. This contradicts the payment schedule I agreed to and proves that any missed payment was due to their internal delay not consumer 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 monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-15 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Received 2 messages ( Below ) from PayPalXXXX XXXX XXXX requesting payment of {$630.00}. Did not open any attachment and did not call shown phone number-I Do not have a PayPal account. What do i need to do now. Received below e Dropbox Sign. PAYPAL ACTION REQUESTED DUE INV0ICE ( XXXX ) has requested a signatureDocument Item Review Completed Message from DUE INV0ICE ( XXXX ) Dear Customer, On XXXX XXXX XXXX we recorded a XXXX XXXX XXXX ( Refurbished ) purchase of {$630.00} USD through XXXX on your account. 
If you didnt make this transaction, call us immediately at XXXX ( XXXX ) XXXX. 
Order Reference : Ref # : XXXX Tracking : XXXX We recommend you respond within 24 hours to avoid escalation.

Our support is here 24/7 at XXXX ( XXXX ) XXXX. 
Reply to sender

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Consumer Protection Bureau, I am writing to report an unresolved issue with a PayPal transaction that has been pending for more than three days, leaving me unable to proceed with or cancel my order. 

On XXXX XXXX XXXX I made a payment of XXXX via PayPal to the seller XXXX ( XXXX ) for the rental of a XXXX XXXX XXXX XXXX XXXXXXXX, scheduled from XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Here are the transaction details : Transaction ID : XXXX Invoice ID : XXXX Amount : XXXX Description on card statement : * PAYPAL XXXX Since making the payment, PayPal has placed the transaction in a pending compliance review status. Their message states : This transaction is currently pending compliance review. Please do not try to send the payment again until you hear from PayPal. If the compliance team has any questions for you regarding the payment, the team will reach out to you via email. Thank you in advance for your patience with this matter. 

I have contacted PayPals online support team several times regarding this issue. Initially, they stated that it would be resolved within 72 hours. However, more than three days later, the transaction remains unresolved, and their representatives are now unable or unwilling to provide either an explanation or a timeline for resolution. 

I am unable to cancel the transaction to recover the funds, nor can I confirm the order with the seller. The funds remain withheld without clear justification. 

I kindly ask for your assistance in reviewing this matter and prompting PayPal to resolve the issue or provide a clear and timely resolution. 

Thank you for your time and support. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Monica Guilarte LLC
State: MD

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX served my employer with a wage garnishment writ for a case that I was never legally served documents or received. Since XX/XX/year> XXXX XXXX XXXX has attached a XXXX XXXX  wage garnishment for my wages. This has caused me into XXXX XXXX XXXX  On XX/XX/year> my current stay of writ will be expired and I will be due for eviction any day after. Due to me not being served correctly and legally I am asking for the CFPB help in efforts to have this garnishment removed or lowered to a lower amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX was delinquent in XXXX I hired XXXX XXXX to have removed in XXXX ( see attached file ). No payments were made since XXXX. -Past 7 years and 180 days of non payment. 

More importantly, Midland Credit is Re-Aging this debt and that is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-15 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: DISCOVER BANK
State: FL

Complaint narrative:
I am submitting this complaint because Discover Card is reporting a charge-off account ( # XXXX ) with a balance of {$14000.00} and past due amount of {$14000.00} on my Experian credit report. This reporting violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) because the data is not verified or accurate. There is no IRS 1099-C form indicating that the alleged debt was forgiven or canceled, raising a material issue of factual inaccuracy.

Experian also failed to conduct a reasonable reinvestigation upon my dispute, violating FCRA 1681i ( a ), and continued to report this account without proper documentation from the original creditor including any signed agreement, insurance claim and chain of title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC.
State: MI

Complaint narrative:
My brother XXXX XXXX passed away on XXXXXXXX XXXX XXXX. I am his brother and next of kin. Since then, I have contacted Optum Bank approximately 20 times attempting to get a refund of his Health Savings Account Balance of approximately {$1600.00}. I have sent them all of the documents asked for including an Optum HSA Death Distribution Request Form ( indicating Small Estate ) and a completed and notarized Michigan Small Estate Affidavit two months ago. They assigned a XXXX XXXX. XXXX to this distribution. Every time I call their number, a customer rep tells me the " back room '' has the correct documents and I should receive an email when the check is issued. Yesterday I spoke to XXXX, a rep at Optum, and she told me that the check was mailed. She said she wasn't authorized to tell me when it was mailed but the " back room '' would send me an email yesterday with that information. No email has been sent from them. I am sick and tired of the lies and deception from this company. I would sincerely appreciate it if CFPB would get involved. Here is their contact information : Optum Bank Service Operation XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Thank-you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I always make my payments on time, so noticing a late payment is surprising and troubling. Please remove it promptly to reflect my true history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding is reporting a collection account on my credit report that I have disputed twice. They responded with an unverifiable automated reply both times, but provided no original documentation to support the debt. This violates the Fair Credit Reporting Act 623 and 15 U.S. Code 1692g under the FDCPA. 

They also failed to establish proper chain of custody from the original creditor and have never produced a signed contract, full account history, or validation of how the amount was calculated. 

The account continues to update as derogatory monthly, damaging my credit, despite failing to meet their burden of proof under federal law. This is a false and misleading representation of a debt, and I am requesting immediate intervention.

Company response to consumer: Closed with explanation