vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Dave Operating, LLC
State: NY

Complaint narrative:
I am filing this complaint because Dave repeatedly withdrew more money from my account than the amount of the advance they provided, which caused financial harm and resembles an illegal payday-lending structure. 

For multiple transactions, I received advances of {$25.00}, {$50.00}, or {$75.00}, but Dave withdrew {$32.00}, {$60.00}, {$82.00}, and {$87.00}. These extra amounts function as undisclosed finance charges. The charges were not transparent and appear to violate the Truth in Lending Act ( TILA ) and New York State 's prohibition on payday lending. 

Dave also charged recurring {$1.00} fees and other small charges without clear authorization. Several withdrawals occurred early or at irregular intervals that did not align with my pay schedule, which may violate the Electronic Funds Transfer Act ( EFTA Regulation E ). 

I did not authorize any tips or additional fees beyond the advance amount. These extra withdrawals created a pattern of unlawful high-cost lending. 

I am requesting : A full refund of all charges above the advance amounts A refund of all unauthorized fees A review of overdraft-related losses Written confirmation that my account will not be debited again I have screenshots documenting these transactions and am attaching them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Financial account number XXXX Bmw offered a promise to pay and even sent me the email confirmation that Ive promised to pay and verbally even told me that the repossession would be placed on hold so long as I pay on XXXX XXXX, on the XXXX, my car was repossessed. I have paid a total of 75 % of the vehicle price. I paid XXXX down roughly and I paid XXXX and the loans and I owe XXXX. I even emailed Bmw to confirm agreement and a conference prompt promised to pay confirmation. 

unfortunate part about this was I had my vehicle repo within the 12 month period. So reinstatement was not being provided but this time I was totally in the right and then the past when my vehicle was repossessed. I paid all the reinstatement fees and costs when youre given something in writing and verbally told the same thing and you rely on it. You rely on him that your product is safe that theres gon na be no adverse action however thats what Bmw did and they did it one day before the agreed due date. 

What Im looking for is simple. The repo should be canceled. Removed from my record and vehicle back to me and I will go ahead and pay my past due balance which I was gon na do anyway on the XXXX and Ill pay the entire entirety of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NM

Complaint narrative:
Dispute of XXXXnaccurate Information on Account I am disputing inaccurate information on my account, which I believe is the result of identity theft stemming from a data breach that exposed my personal information. Pursuant to 15 U.S. Code 1681 ( Fair Credit Reporting Act ) and Section 605B ( 15 U.S.C 1681c-2 ), I request that this inaccurate information be investigated and blocked. 
Inquiries XXXX - XX/XX/year> 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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am filing a complaint against I.C. System, Inc. for reporting a collection account on my credit report without providing proof that the alleged debt belongs to me.

Account Information : Collector : I.C. System, Inc. 
Original Creditor : XXXX XXXX XXXX XXXX Reported Balance : {$250.00} Balance Updated : XX/XX/year> I.C. System is furnishing information to the credit bureaus without verifying the accuracy or legitimacy of the alleged debt. This violates multiple sections of federal consumer protection laws. 
Violations of the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 et seq. ) : FCRA 1681s-2 ( a ) : Furnishers may not report information they know or should know is inaccurate.

FCRA 1681s-2 ( b ) : A furnisher must conduct a reasonable investigation and provide verification when a consumer disputes a debt.

FCRA 1681e ( b ) : Information reported to consumer reporting agencies must be accurate, complete, and verified.

FCRA 611 ( 15 U.S.C. 1681i ) : Unverified or inaccurate information must be deleted.

I.C. System has not produced any documentation showing that the alleged XXXX XXXX XXXX XXXX debt is valid, accurate, or legally attributable to me. 
Violations of the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692 et seq. ) : FDCPA 1692g ( b ) : A debt collector must cease all collection activityincluding credit reportinguntil the debt is validated.

FDCPA 1692e : Reporting unverified or inaccurate information constitutes false, misleading, or deceptive collection practices.

I.C. System continues reporting this account without providing validation, resulting in financial harm and inaccurate information on my credit file.

Requested Action : Require I.C. System to provide full validation of the alleged debt, including original documentation from XXXX XXXX XXXX XXXX, an itemized breakdown, and a complete chain of title. 
If they can not validate the debt, require the immediate deletion of this account from all credit bureaus ( XXXX XXXX XXXX XXXX  ). 
Investigate I.C. System for furnishing unverified information in violation of federal law. 
Timeframe Requested : I request a response and resolution within 5 days, as continued reporting of an unverified debt is causing ongoing harm.

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 2025-11-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The accounts listed below were opened or used without my authorization. I filed an FTC Identity Theft Report and sent the company a formal identity theft dispute. The company has failed to properly investigate, provide required documentation, or remove the fraudulent information. 

Fraudulent Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX ( three accounts ) XXXX XXXX XXXX  XXXX ( Only include the accounts that apply to the specific company you're complaining about. ) I submitted a complete identity theft dispute package that included : My FTC Identity Theft Report My written dispute Proof of identity Proof of address Request for all documents used to verify the accounts The company either : Ignored my dispute, Failed to conduct a reasonable investigation, Continued reporting inaccurate information, Or refused to provide any documentation showing how they verified the accounts.

This violates multiple sections of the Fair Credit Reporting Act, including : FCRA 611 ( a ) ( failure to reasonably investigate ) FCRA 605B ( failure to block identity theft information ) FCRA 623 ( a ) ( 3 ) ( failure to mark account as disputed ) FCRA 623 ( b ) ( furnisher reinvestigation violations ) FCRA 615 ( g ) ( failure to provide fraud account documentation ) I am requesting that the CFPB intervene and require the company to : Conduct a lawful and reasonable investigation.

Provide copies of all documents used to verify the account, including applications, signatures, IP logs, call logs, and authorization records.

Permanently delete all fraudulent and unverified information.

Provide written confirmation of the results.

These accounts do not belong to me. I did not authorize them, open them, or benefit from them. The company has failed to comply with federal law, and I need CFPB assistance to resolve this.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carter-Young, Inc.
State: TN

Complaint narrative:
I made payments on my account that were applied to my girlfriend 's account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reporting fraudulent accounts that were opened in my name without my authorization. I did not apply for these accounts or receive any goods or services from them. When I discovered the issue, I contacted the companies and disputed the charges, but the debts were still placed on my credit report as collections. These accounts resulted from identity theft, and I am requesting a full investigation and removal of all fraudulent information tied to my credit. 

I discovered accounts and collection balances on my credit report that I did not open or authorize. My personal information was used without my permission, which makes this a case of identity theft. I contacted the companies to dispute the accounts, but the fraudulent debts have remained on my report and are causing ongoing harm to my credit. I am requesting that these accounts be fully investigated and removed, since I was not involved in opening them or making any charges ACCOUNTS IN COLLECTION THAT ARE NOT MINE XXXX XXXX XXXX {$6200.00XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$230.00} ACCOUNTS NOT MINE XXXX XXXX  XXXX {$29000.00} XXXXXXXX XXXX XXXX {$560.00} XXXX XXXX  {$1300.00}

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 2025-11-23 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: GA

Complaint narrative:
I am reporting fraudulent accounts that were opened in my name without my authorization. I did not apply for these accounts or receive any goods or services from them. When I discovered the issue, I contacted the companies and disputed the charges, but the debts were still placed on my credit report as collections. These accounts resulted from identity theft, and I am requesting a full investigation and removal of all fraudulent information tied to my credit. 

I discovered accounts and collection balances on my credit report that I did not open or authorize. My personal information was used without my permission, which makes this a case of identity theft. I contacted the companies to dispute the accounts, but the fraudulent debts have remained on my report and are causing ongoing harm to my credit. I am requesting that these accounts be fully investigated and removed, since I was not involved in opening them or making any charges ACCOUNTS IN COLLECTION THAT ARE NOT MINE XXXX XXXX XXXX {$6200.00XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$230.00} ACCOUNTS NOT MINE XXXX XXXX  XXXX {$29000.00} XXXXXXXX XXXX XXXX {$560.00} XXXX XXXX  {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: AZ

Complaint narrative:
My wife and I purchased a vehicle from Carvana on XX/XX/year>. After signing all contracts through DocuSign, Carvana informed us that there was a delay due to a major problem with the vehicle but refused to disclose what the problem was. 

Multiple representatives stated contradicting information, claimed they could not find the contract, and misrepresented the vehicles condition. Only later, after escalation, did a case manager reveal the issue was simply a passenger door not opening properly. This was not a major problem as previously described. 

Representatives also made false statements about Arizona recording laws and pressured me, a XXXX veteran, to turn off a VA-prescribed assistive transcription device. They threatened to disconnect the call and refuse service unless I XXXX it, causing distress and preventing me from understanding contract information. 

This behavior constitutes : Misrepresentation of vehicle condition Failure to disclose material facts Abusive sales practices Interference with the ability to review and understand contract terms We canceled the transaction due to these practices. 



SUMMARY OF VIOLATED LAWS ( Quick List ) Federal 1. ADA Title III 42 U.S.C. 12182, 12203 2. ADA Regulations 28 C.F.R. Part 36 3. ECOA 15 U.S.C. 1691 ( a ) 4. UDAAP ( Dodd-Frank ) 12 U.S.C. 5531, 5536 State ( Arizona ) 5. Arizona Civil Rights Act ARS 41-1492.02, 41-1492.06 6. Arizona Consumer Fraud Act ARS 44-1522 7. Arizona Recording Law ARS 13-3005 Contract / General 8. Breach of Good Faith & Fair Dealing XXXX. Unconscionable business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding my financial institutions improper handling of a fraud dispute and their refusal to reimburse me, despite clear evidence and a filed police report. 

Dispute Claim ID : XXXX On [ XX/XX/XXXX, XXXX & XX/XX/XXXX & XXXX ], unauthorized and fraudulent charges appeared on my account with [ CHIME ] in the total amount of $ [ XXXX ]. I immediately reported these charges to the financial institution and followed every required step in their dispute process. 

To support my claim, I also filed a police report with [ XXXX Police Department ] I submitted all requested documents, statements, and evidence proving that I did NOT authorize these transactions and did not benefit from them in any way. 

Despite this, on [ XX/XX/XXXX ], my dispute was denied with reasoning that does not align with the facts of the case, the evidence provided, or federal protections under Regulation E ( Electronic Fund Transfer Act ) and/or Fair Credit Billing Act ( if credit card ). 

I believe the denial is improper because : 1. The charges were clearly fraudulent and unauthorized.

2. I reported the fraud promptly, within required time limits.

3. I provided a police report and supporting documentation.

4. The institution failed to conduct a reasonable or thorough investigation.

5. They are in violation of the consumer protections guaranteed by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Complaint of Masked/Unverifiable Accounts & Identity Theft Investigation Needed To Whom It May Concern, I am submitting this complaint due to multiple negative accounts on my Experian credit file that contain masked or incomplete identifying information. This prevents me from determining whether these accounts belong to me or were opened fraudulently. 

I have substantial reason to believe that for-profit entities are buying, selling, and trafficking my personal data without my consent. This misuse of my information has resulted in unauthorized accounts and derogatory reporting that is damaging my credit profile. These actions constitute identity theft, and the continued reporting of unverifiable information violates the Fair Credit Reporting Act ( FCRA ). 

I am requesting a complete investigation into every negative account on my Experian file, including verification of each item. Any account that can not be verified with full and accurate details must be deleted immediately. 

Consumer Statement Experian I attempted to verify several negative accounts, but the information is masked or incomplete. I have reason to believe my personal data is being used without consent by companies trading information, and unauthorized accounts have appeared. This is identity theft. I dispute all accounts that can not be fully verified.

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 2025-11-23 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: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/year> Zelle said that my account is restricted and can not transfer funds to and from my Zelle account. I called Zelle to let them know the issue they then sent me over to XXXX XXXX XXXX  to escalate my issue further and that is when they basically gave me the run around I took the initiative to give the another call and then they explained to me that I was forever banned from Zelle with no explanation or reason. I have been a loyal customer with Zelle for some time now and used it many times with friends and family as it makes it convenient for us to transfer and send money to each other. I demand my situation to be further looked into further and given an explanation for my account being restricted and to be legally further looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am filing a formal complaint about inaccurate and inconsistent reporting by Affirm on my credit reports. The tradeline ( s ) continue to show incorrect and unverifiable information, including an incorrect account status and payment reporting that does not match my actual payment history. I have disputed these inaccuracies with the credit bureaus, but the information returned remains incorrect. 

Affirm has failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) 623, which requires furnishers to only report accurate information and to correct or delete any information that can not be verified. Affirm has not provided verification demonstrating the accuracy of the information they are furnishing. 

These reporting errors are negatively affecting my credit profile. I am requesting that the CFPB require Affirm to conduct a lawful reinvestigation, provide evidence supporting the reported information, or delete the tradeline ( s ) entirely if verification can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
I am filing a formal complaint regarding significant errors in the servicing of my federal student loans by Mohela. These errors include : 1. Improper loan balance inflation 2. Failure to apply the SAVE plan interest subsidy 3. Miscalculation of principal vs. interest 4. Misapplied or uncredited payments 5. Conflicting and inaccurate account information provided by customer service I currently owe {$53000.00}, according to Mohela. However, after auditing my complete transaction history ( file attached ), the reconstructed principal balance based solely on the disbursement amount and documented payments is {$46000.00}. That is a discrepancy of {$6200.00}. 

Findings From My Audit ( attachments included ) : -Total disbursements : {$49000.00} -Total principal paid : {$2600.00} XXXXCorrect principal balance should be : {$46000.00} -Mohelas reported balance : {$53000.00} -Difference : {$6200.00} -Mohela is also reporting newly-accrued interest despite the fact that I was enrolled in the SAVE plan starting XX/XX/XXXX with a $ 0 monthly payment, where unpaid interest is supposed to be waived/subsidized. 

Additionally, beginning in XX/XX/XXXX, my payments were applied only toward principal because I had cleared my accumulated interest. Despite this, Mohela is now showing interest present on my account and has increased my principal balance without explanation.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-23 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: GA

Complaint narrative:
Upon reviewing my credit report, I was extremely concerned to discover several negative items being reported that appear to be inaccurate, incomplete, or entirely unverifiable. These entries are damaging my creditworthiness and do not reflect my actual financial history. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fully verifiable information, and I will not tolerate the presence of accounts that can not be substantiated with proper documentation. The reporting of any information that is outdated, misleading, or unsupported is unacceptable, and I am demanding immediate attention to these issues. I expect each negative entry to be thoroughly investigated, validated with original-source documentation, or permanently removed if verification can not be provided. My credit profile must reflect only accurate, complete, and lawfully reported informationnothing less.

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