vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: NC

Complaint narrative:
On XX/XX/2025, a XXXX XXXX which I ordered from Carvana, arrived with a vehicle inspection report which indicated pretty much that the vehicle had passed inspection. However, about on approximately XX/XX/XXXX, I took the XXXX to an in-network auto care service provider for a vehicle diagnostic due to hearing some noises while driving. The vehicle was allegedly inspected and returned to me with practically no issues being found, however the noises were still present. I took the car back the next morning to be examined again, which is when XXXX found several issues totaling almost $ XXXX. The technicians agreed with me that the issues they found appeared to be pre-existing wear and tear issues not consistent with the length of time I had owned the vehicle ( detailed in the " Order Notes '' section ). The car was in need of brake pads, rotors and tires. I reached out to Carvana, as did XXXX, to see if they would be willing to cover the costs of repair but because I was outside of the 30 day limited warranty, they were unwilling to take financial responsibility for getting this work done. I trusted that Carvana was selling me a pre-owned vehicle in tip top shape but they did not. I have since had to cover the costs of repairs myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am filing a NEW complaint because Upgrade 's XX/XX/XXXX response to my previous case CONFIRMS every violation : 1. Admits " Upgrade Card is a personal credit line that provides access to a series of closed-end loans ; it is not a traditional credit card '' yet marketed as flexible credit card with simple {$5000.00} at $ XXXX fixed payments. Deceptive under CFPA.

2. Quotes buried Section 14.2 : " You will not be able to prepay or pay down any one Draw or collection of Draws faster than any other '' NEVER conspicuously disclosed ( no bold, checkbox, or pop-up ). TILA 1026.17 violation.

3. Provided per-draw breakdown for {$1700.00} payment AFTER claiming on XX/XX/XXXX call that " system can not provide. '' They lied and withheld statements TILA 1637 ( h ) violation.

4. Breakdown shows {$0.00} interest on {$3.00} draw = 132 % + effective APR on snack purchase not disclosed 29.99 %. Effective APR across draws >60 % due to undisclosed stacking ( see XX/XX/XXXX statement : 9 draws, $ XXXX on {$4600.00} borrowed ). 

5. Interest/principal hidden in " dashboard dropdown '' ( 4 clicks deep ) NOT on monthly statements. Violates TILA 1026.41 requiring clear periodic statements.

Upgrade claims " financial technology company, not a bank '' to dodge rules but XXXX XXXX Bank is lender, Upgrade is servicer. Still bound by TILA/Reg Z . 

Request : - FULL refund of ALL interest paid since XX/XX/XXXX ( ~ $ XXXX ) - Immediate account closure at {$0.00} - Tradeline deletion - {$1000.00} statutory damages for TILA violations Attachments : - Upgrade XX/XX/XXXX CFPB response - XX/XX/XXXX statement ( 9 draws, {$310.00} new transactions = new XXXX loan ) - TIL disclosure ( buried " new draws '' language ) - Marketing screenshot ( {$5000.00} at $ XXXX example )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
No notice of collections account was given after request and is required under the FDCPA rule 1692g. I do not have access to the full account number because I never received a collection notice or any form of debt validation.

Its been beyond 30 days since I have asked for this debt to be validated through mail and is beyond the time that the collections agency is allowed to do so. They have violated the Fair Debt Collections Practices Act, specifically referencing to the code mentioned above, for failing to validate the debt after Ive disputed it, through the credit bureaus back in XX/XX/XXXX and this debt being bought by them in XX/XX/XXXX. No debt notice or validation was ever provided.

This rental unit was not obtained by using my personal financial records because I had XXXX XXXX at the time and the rental property XXXX XXXX, can not and will not be able to supply those records. They can only supply a forged lease, that I did not sign. I also did not stay at the property due to obtaining my own rental unit in XXXX. The primary lease holders were the main occupants and I was only on the lease and again income wasnt used because I had none and needed a parking permit to avoid being towed while I stayed there during the short period I stayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: AL

Complaint narrative:
Experian fails to properly investigate and delete all account when I say all I MEAN EACH AND EVERY ACCOUNT BECAUSE I NEVER GAVE THEM CONSENT OR PERMISSION TO REPORT ON ME!! Delete each and every account on my report that they illegally obtained without my permission nor my consent violating my Consumer, Constitutional, and civil rights! Legal action is coming immediately if this is not handled correctly

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
Re : FORMAL LEGAL DEMAND UNDER FCRA 605C AND 605B VICTIM OF XXXX XXXX, DEBT BONDAGE, AND IDENTITY THEFT To Whom It May Concern, I am submitting this formal legal demand under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ) as a verified victim of XXXX XXXX, debt bondage, and identity theft.

In collaboration with my authorized nonprofit advocate, I am exercising my rights under these federal laws to have the following fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file.

This information was created or maintained as a result of coercion and identity misuse. It does not accurately represent my true credit history and continues to cause ongoing harm.

Enclosures Provided : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, SSN, and current address ADDRESSES TO DELETE : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX EMPLOYERS TO REMOVE : XXXX XXXX XXXX  ACCOUNTS TO BLOCK : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} HARD INQUIRIES TO REMOVE : 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 XXXXXX/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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: New Direction, Inc
State: AZ

Complaint narrative:
This company explained they would not be utilizing my insurance because it would be cheaper for us to pay out of pocket because they would charge me more for their services if they ran the services through insurance. I paid for all my services out of pocket and they sent me a bill of approximately {$600.00} with adjustments from as recent as two days ago when I have not been to their clinic for several months.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: LA

Complaint narrative:
I've had over {$5000.00} in an chime account that was closed and I've been trying to get it out since around XXXX of 2020 and they will not give me my money they say that I need to look up the deposit agreement and breach of contract but they will not tell me nothing else about my account nothing or and won't give me my refund check I can't even talk to no one soon as they tell me that the hang up on me. I've Contacted them through email through phone calls I've sent them probably a XXXX emails with provided paperwork verifying my account and everything and they can not give me no information on why my account was closed and why they can't send me my refund check it's {$5300.00} in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: WA

Complaint narrative:
I am requesting a review and correction of the following items in my TransUnion credit report. I believe these entries are inaccurate and may not be in compliance with the Fair Credit Reporting Act ( FCRA ). Please examine the following accounts and ensure they are correctly reported.

Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} Inquiries : XXXX XXXX XXXX, Date of Inquiry : 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 non-monetary relief
Consumer complaint received 2025-11-06 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: NY

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 2025-11-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Saint Services LLC
State: CA

Complaint narrative:
I hired Credit Saint to help repair my credit. I paid for their service and provided my information as requested. After several months, there were no visible results or removals reported to any of the credit bureaus.

When I asked what dispute letters were being sent under my name, the company refused to share or summarize them, stating they were proprietary. Since these disputes were submitted using my personal information, I believe I have the right to know what is being said on my behalf.

I later requested a refund in writing through their chat system. The agent confirmed my account was canceled but refused to process a refund unless I called by phone, which leaves no written proof of the request.

I was also not informed that they began sending disputes before I had completed submitting all required identification documents. I was unaware the process had started, and I received no updates or clear results from their efforts. 

I am requesting a full refund for services not provided and for Credit Saint to provide a written disclosure of all dispute communications or letters submitted in my name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I did not apply for or authorize this installment loan with OneMain Financial. This account was opened fraudulently without my knowledge or consent. I filed an Identity Theft Report.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that OneMain immediately BLOCK and DELETE this fraudulent account from my credit file. This includes removal from XXXX XXXX, and XXXX. 

Under FCRA 623 ( a ) ( 6 ), OneMain is prohibited from reporting information that it knows, or has reason to believe, is the result of identity theft.

Under FCRA 611 ( a ), I am requesting reinvestigation and full deletion of this account and any associated hard inquiries.

Please cease all reporting, remove this account and all inquiries, and provide written confirmation of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had my rent payment process. I was advised that my account was overdrawn and that Wellsfargo would provide a 24 hour Day Grace period.. Giving me until the next day XXXXXXXX XXXX to deposit money in the account to bring it back from a negative balance. This worked for me because I was getting paid the next day by direct deposit at XXXX PST Then the next morning I received notice that the bank returned my payment because of insufficient funds. When I called the bank they said they pay it at their discretion. So they were never going to give me th 24 hours to deposit and had the email notification stated this I could have worked to get a loan or borrow money to cover. They gave me all kinds of excuses as to why they returned the money. I checked with the merchant and it was processing on their end. Wellsfargo is providing false information by stating an extra day grace period is provided. Their messages are short of providing the consumer correct information about their policy that the extra day grace period may not apply because their automated account system is still deciding if it is going to allow the consumer the time to bring the account current. If the email I received had notified me correctly that an extra grace period my not be applied then I could have avoided a return fee from my merchant. Wellsfargo is lying to their customers by stating the EXTRA DAY GRACE PERIOD is available and then not accommodating that for its customers because the system gets to choose if it will be applied. Their wording is inaccurate and I am sure has caused many consumers false hope that an extra day will be granted when in fact it is not.

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 2025-11-06 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: AZ

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with non-monetary relief