vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Subject : Unfair and Abusive Servicing Practice by Mercedes-Benz Financial Services I am filing a complaint against Mercedes-Benz Financial Services USA LLC ( MBFS ) for what I believe is an unfair, abusive, and harmful servicing practice. On insert date, I contacted MBFS to resolve a website login/access issue that was preventing me from managing my account online. I was informed by the representative that because my account was only one day past due, Mercedes-Benz customer service was not permitted to speak with me or assist me in any way, and that I was required to speak solely with the collections department, even though my request had nothing to do with payment or delinquency. 



This policy, as stated to me, effectively blocks consumers from receiving basic account support, interferes with my ability to manage or bring my account current, and denies access to normal customer service over a trivial one-day delay. I believe this constitutes an unfair and abusive servicing practice, creates unnecessary consumer harm, and may violate standards of good-faith loan servicing. Restricting all communication to collections for something as minor as a one-day delay appears coercive, punitive, and designed to pressure the borrower rather than assist them. I am requesting that this policy be investigated and that MBFS be required to provide normal customer service access for non-payment-related issues, regardless of minimal delinquency status. 



I am requesting regulatory oversight and corrective action to prevent this practice from continuing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 filing this complaint to dispute the presence of inaccurate and unauthorized accounts on my credit file. I never opened these accounts, nor did I consent to their addition, and I received no notification regarding them. Furthermore, each credit bureau is reporting different and inconsistent details, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring that all information be reported with maximum accuracy.

This also violates 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) and correction or deletion of disputed information, and 15 U.S.C. 1681g, which ensures a consumers right to full and accurate disclosures of their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
I am writing to formally dispute the inaccurate late payment information being reported on my account ( s ). Upon reviewing my credit report, I noticed that certain accounts are showing late payments, negative remarks, or payment history inaccuracies that are incorrect and do not reflect my true payment record. 

I have consistently paid this account on time, and there have been no late or missed payments. Therefore, the current reporting of late payments or negative remarks is inaccurate and must be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-10-28 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I took out a loan with loan ID XXXX. The purchase price was {$460.00}. Interest ( 35.98 % APR ) was {$85.00} for a total of {$540.00}. Monthly payments were {$46.00} a month. This was for a purchase at bose.com. 

I returned the product on XX/XX/year>. However I have already paid {$180.00} to date. Affirm wants to keep the {$85.00} in interest. 

This is a heavy cost to pay when I returned the item for a full refund. Additionally, Affirm wants you to continue paying the loan until they have processed the refund, even though they will just keep that money. They say to do this in their FAQ section.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: AL

Complaint narrative:
I recently pulled my credit report and noticed that I have several collections accounts that I have not signed any documentation allowing the XXXX XXXX to have access to any of my personal information. 
EQUIFAX XXXX XXXX XXXX ACCT # XXXX XXXX {$420.00} XXXX XXXX XXXX ACCT XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX ACCT XXXX XXXX XXXX {$1300.00} XXXX XXXXXXXX XXXX ACCT XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX ACCT XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX ACCT # XXXX XXXX {$540.00} XXXX XXXX XXXX ACCT # XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX ACCT XXXX XXXX {$640.00} XXXX XXXX XXXX ACCT # XXXX XXXXXXXX XXXX {$570.00} XXXX XXXX XXXX  ACCT # # XXXX XXXX {$2000.00} EXPERIAN XXXX XXXX XXXX ACCT XXXX XXXX {$590.00} XXXX XXXX XXXX ACCT # XXXX XXXX {$1500.00} XXXX XXXX XXXX ACCT XXXX XXXX {$420.00} XXXX XXXX XXXX ACCT XXXX XXXX {$1300.00} XXXX XXXX XXXX ACCT XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX ACCT XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX ACCT XXXX XXXX {$640.00} XXXX XXXX XXXX ACCT # XXXX XXXX {$570.00} XXXX XXXX XXXX ACCT # XXXX XXXX TRANSUNION XXXX ACCT # XXXX XXXX {$1300.00} XXXX ACCT # XXXX XXXX {$1500.00} XXXX ACCT # XXXX XXXX {$590.00} XXXX ACCT # XXXX XXXX {$420.00} XXXX XXXX ACCT # XXXX XXXX {$490.00} XXXX XXXXXXXX ACCT # XXXX XXXX {$540.00} XXXX XXXX ACCT # XXXX XXXX XXXX {$790.00} XXXX XXXX ACCT # XXXX XXXX {$640.00} XXXX ACCT # XXXX XXXX {$2000.00} XXXXXXXX XXXX ACCT # XXXX XXXX {$570.00}

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 non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV Funding LLC is reporting a collection account originally from XXXX XXXX XXXX  XXXX. for approximately {$1200.00}. I have not received any validation or supporting documentation establishing that LVNV Funding has the legal right to collect or report this alleged debt. 

On XX/XX/year>, I submitted a formal written demand for full debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), Regulation F ( 12 CFR Part 1006 ), UCC 9-208 , and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). Despite this notice, LVNV has continued to report the alleged account to TransUnion, Experian, and Equifax without providing any verification or documentation. 

The company has failed to produce a signed contract, a chain of assignment from XXXX XXXX XXXX  XXXX. to LVNV Funding LLC, or an itemized breakdown of the balance as required by law. This continued reporting and collection activity without validation constitutes a violation of my consumer rights under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
To whom it may concern : regarding GM financial compalints, there are XXXX, XXXX  XXXX XXXX, Consumer affairs, XXXX XXXX, XXXX, XXXX XXXX, XXXX  ( they are NOT accredited ) ALL Bad reviews also on XXXX. 

GM financial reported me 30 days late they told me in XXXX, I sent the receipt of payment, they were incorrect, then it was corrected, then again I paid the payment XXXX weeks early on XX/XX/year>, they told me I had another late for XX/XX/year>, Impossible I have every receipt, Bank Statement, all paid with my XXXX XXXX  Account. with conformation numbers...... 
GM financial reviews : Constant problems with poor customer service, Payments not being processed, lease returns, Excessive fees, vehicle probelms, Credit reporting, too numerous to mention. 
GM financial has not only had billing errors with me, but hundreds of other clients as well. I have tried so hard to resolve this issue including filing a complaint directly with GM financial. There are impossible to deal with. No resolution at all. 

Please investigate this company as they do not protect or care about the consumer. 
Many reviews include ( I will never buy a car from GM ever again ) from hundreds of clients. I dont understand how any company with such poor reviews is allowed to conduct business. They have taken advantage of so many people and hurt so many lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 am formally disputing one or more accounts that are being inaccurately reported on my credit file. After reviewing my credit report, I identified accounts that do not belong to me and/or contain incorrect or unverifiable information. These inaccuracies are negatively affecting my credit profile.

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], I am requesting a prompt investigation into these accounts. If your investigation can not verify the accuracy, ownership, or legitimacy of the accounts, I am requesting that they be blocked, removed, and deleted from my credit report immediately, as required under FCRA Section 605B and related provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Im just getting back on track getting my head above water. Its only one {$34.00} charge but getting that back would greatly increase my chances of not reverting back into negative. 
I dont understand why a XXXX  XXXX dollar company needs my {$34.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX th we had a scam XXXX transaction through Wells Fargo and we deposited {$800.00} through a well known person in an instagram account but that account got hacked and we didnt know and sent {$800.00} in XXXX transactions {$500.00}, {$150.00} and {$150.00}. But after that the person becomes unresponsive. When contacted Wells Fargo they raised a claim but after few days they said the claims got rejected and they couldnt do anything.

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 2025-10-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Experian * * Subject : Dispute of Inaccurate Credit Information * * Dear Experian, I am writing to formally dispute a negative account listed on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2, which mandates that consumer reporting agencies ensure the accuracy of information in credit reports. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never opened this account with XXXX XXXX, nor have I authorized any transactions associated with it. As this information is inaccurate, it is adversely affecting my XXXX XXXX. I request that you investigate this matter and remove the entry if it can not be verified as accurate. 

Enclosed are copies of my identification and any relevant documents to support my claim. I appreciate your prompt attention to this matter and look forward to your response within 30 days. 

Thank you for your assistance. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
XXXX XXXX has refused to acknowledge that they have financed a vehicle in my namea transaction that is entirely fraudulent. I have contacted both the dealership and the California Department of Motor Vehicles ( DMV ), which has now opened an investigation into this matter. Despite sending XXXX signed and notarized letters to XXXX XXXX, they have failed to respond or take any corrective action. 

In addition to submitting fraudulent documentsincluding a contract bearing my XXXX XXXX has refused to review video surveillance footage that clearly disproves my involvement. They have also used a mailing address that I have never resided at, further confirming the fraudulent nature of this transaction. 

Under California law, XXXX XXXX is required to investigate disputed debts and can not continue collection efforts without verifying the legitimacy of the debt. Specifically : California Civil Code 1788.17, part of the Rosenthal Fair Debt Collection Practices Act, incorporates the federal Fair Debt Collection Practices Act ( FDCPA ), which mandates that debt collectors must cease collection activities until they provide verification of the debt upon written dispute.

California Civil Code 1798.85 prohibits the use of personal information for fraudulent purposes and provides remedies for identity theft victims.

California Civil Code 1798.93 requires creditors to investigate claims of identity theft and remove fraudulent accounts from a consumers record if the claim is substantiated.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information ( like XXXX XXXX XXXX must investigate disputes forwarded by credit reporting agencies and correct any inaccuracies. 

XXXX XXXX  refusal to investigate, verify, or even acknowledge the dispute may constitute a violation of these statutes. I am requesting immediate compliance with these legal obligations, including a full investigation, cessation of any collection activity, and removal of the fraudulent account from all credit reporting agencies

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting this complaint against Navy Federal Credit Union regarding a serious issue involving my credit card account. 

On or around Thursday, XX/XX/XXXX, Navy Federal allowed a charge of {$1900.00} to post to my credit card, despite my account having a credit limit of only {$500.00}. This charge exceeded my limit by nearly four times. 
This transaction was not authorized by me. In fact : -I have expressly opted out of over-the-limit coverage with Navy Federal .

-Navy Federal has repeatedly denied my requests for credit limit increases, citing internal risk policies.

-Navy Federal sent me a text message alert regarding this charge ( attached ). Shortly thereafter, I received an automated call asking whether I had authorized the transaction, and I responded that I had not. This call should be recorded.

-A similar issue has occurred before Navy Federal previously allowed a charge from XXXX  to post to my locked card. When I asked how transactions could post to a locked account, instead of answering my question, they asked which transaction I was referring to, effectively evading the issue. 

Despite my prior opt-out, my unchanged credit limit, and my immediate verbal rejection of the charge, Navy Federal still allowed this unauthorized, over-the-limit transaction to post to my account. This is in direct contradiction to my express instructions and appears to violate the Credit CARD Act of XXXX ( 15 U.S.C. 1637 ( k ) ), which prohibits creditors from processing over-the-limit transactions without the cardholders affirmative consent. 

Navy Federals actions have caused financial hardship, potential credit damage, and demonstrate a concerning breakdown in basic consumer protections.

Filing this complaint contemporaneously with my internal dispute strengthens my right to contest the charge and shows my good faith effort to resolve the matter promptly.

Attached are copies of the text message alert from Navy Federal and a screenshot from my account confirming my opt-out of payment protection and over-limit coverage. 

Thank you for your attention to this matter and for your continued protection of consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation