vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
In XX/XX/year>, I purchased a used XXXX XXXX XXXX from XXXX, financed through CNAC. At the time, I had limited credit and urgently needed a vehicle for work. The total loan was approximately {$29000.00}, including an interest rate of nearly 20 % APR. The car itself was priced far above its market value, and the long-term payment structure was unclear to me at the time of signing. 

Ive been paying {$220.00} every other Friday, totaling about {$440.00} a month. After over a year of payments, I still owe approximately {$12000.00}.... significantly more than the car is worth. Ive asked CNAC repeatedly for refinancing, lower payments, or settlement options, but they have refused any assistance or flexibility. I am unable to continue affording the $ XXXX payment due to financial hardship, yet CNAC has told me they do not accept voluntary surrender or provide any alternative solutions.

I now feel trapped in an unmanageable loan with no relief path and am concerned that this practice is predatory, especially for borrowers with limited financial means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
My bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$16000.00} to Barclays to payoff my credit card. The check was received and cashed by Barclays and cleared my bank on XX/XX/XXXX. I have called Barclays several times to advise them the payment was sent to them several times and have not received resolution or had the {$16.00}, XXXX payment applied to my credit card account yet. I need the {$16000.00} payment applied to my account retroactively to XX/XX/XXXX when it was cashed by Barclays. Also, any late charges removed and any late payments NOT reported on my credit record. The 2 month time frame Barclays needs to research a cashed check to apply to my account is NOT acceptable and I need help from you guys to make them do the right thing in a timely manner. Thank you!

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 2025-07-07 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: EQUIFAX, INC.
State: GA

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 2025-07-07 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: GA

Complaint narrative:
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 explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the accuracy of the late payment remark reported on my consumer file related to the account listed below : Creditor : XXXX XXXX Account Number : XXXX Disputed Item : Late payment ( s ) Requested Action : Remove derogatory late payment notation ; update status to Pays As Agreed This account is reporting a late payment that is inaccurate and unverifiable, and I do not acknowledge the validity of this derogatory remark. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am exercising my right to request a reasonable investigation into this matter. 

I have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
I am writing to formally dispute the accuracy of the late payment remark reported on my consumer file related to the account listed below : Creditor : XXXX XXXX Account Number : XXXX Disputed Item : Late payment ( s ) Requested Action : Remove derogatory late payment notation ; update status to Pays As Agreed This account is reporting a late payment that is inaccurate and unverifiable, and I do not acknowledge the validity of this derogatory remark. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am exercising my right to request a reasonable investigation into this matter. 

I have never been late.

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 2025-07-07 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I am contacting you under my rights provided by the Fair Credit Reporting Act ( FCRA ) to request a reinvestigation and correction of inaccurate and misleading information reported on my Experian credit file regarding the following account : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Status : Paid, Closed ( as of XX/XX/XXXX ) Disputed Entries : 30-day late payments reported for XX/XX/XXXX and XX/XX/XXXX I assert that these late payment entries are inaccurate and misrepresent the true payment history of this account. I fulfilled the agreed payment terms during the life of this account, and there is no verifiable documentation that supports the reporting of these derogatory marks. 

Furthermore, this same account was previously disputed and updated in XX/XX/XXXX. However, these inaccuracies still remain. Updating without correcting or providing full verification is a violation of the FCRA, which requires all reported information to be accurate, complete, and verifiable. 

I am requesting that you : XXXX a thorough reinvestigation and provide original payment records from the furnisher ( XXXX XXXX XXXX ) verifying the accuracy of the alleged late payments ; 2.Correct the reporting to reflect this account as Paid on Time Never Late, as there is no sufficient evidence of any delinquency ; 3.Remove any derogatory notations affecting my creditworthiness. 

If the furnisher is unable to substantiate the reporting with documentation from the time of the alleged lates ( not just electronic confirmations ), the derogatory information must be deleted or corrected immediately. 

Please provide the results of your investigation in writing within 30 days, including an updated copy of my credit report reflecting these changes. 

Thank you for your attention to this urgent matter.

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 2025-07-07 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: TN

Complaint narrative:
The balance on my XXXXXXXX XXXX XXXX account has not been updated on my TransUnion credit report. It still reflects {$370.00}, but the current balance is {$290.00}.

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 2025-07-07 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: MA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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 non-monetary relief
Consumer complaint received 2025-07-07 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: EQUIFAX, INC.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I called this company on multiple occasions, to set up a payment plan after charge off and to get my loan paid in full. The company did not update the credit consumer companies of my loan being fully paid and it still lists as a charge off. This company also violates my state 's usury laws with their interest rates, which I discovered after I had signed the agreement and paid it. The cap in my state for loans under {$500000.00} is 18 % and their interest rates are in the hundreds of %. This is illegal and predatory lending and I would like the account removed from all credit consumer reports.

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I pulled my chexsystems report and found two accounts that were still on there. Thats already paid. These two accounts was restricting me from opening bank accounts.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am the victim of identity theft. I recently discovered multiple fraudulent accounts and unauthorized activity reported under my name and Social Security number, including accounts or derogatory items from 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 Social Security Administration ( suspicious activity or misuse ) * * These accounts and activities were * * not initiated, authorized, or acknowledged by me * *. I did not open or benefit from any accounts with XXXX, take out loans from XXXX, owe any debts being pursued by XXXX XXXX, nor authorize any use of my identity related to the Social Security Administration. The damage done by these fraudulent accounts has been significant and life-altering.

Upon discovering these issues, I took immediate action : * I filed a formal * * Identity Theft Report with the FTC * * * I completed a * * sworn Identity Theft Affidavit * * * I gathered and submitted * * copies of my government-issued ID * * and * * proof of address * * * I placed * * fraud alerts * * on my credit files I am now invoking my rights under the * * Fair Credit Reporting Act ( FCRA ) Section 605B 15 U.S.C. 1681c-2 * *, which requires credit reporting agencies and furnishers to : * * * Block fraudulent information from my credit file * * * * * Remove it permanently within 4 business days * * * * * Cease all collection efforts * * related to these accounts I do not know who used my identity to open or access these accounts. I never gave anyone permission to use my personal information, and I am not responsible for any balances, delinquencies, or inquiries related to these fraudulent activities. 

These false entries are damaging my credit, causing emotional distress, and impacting my financial stability. I respectfully request : * * * Permanent deletion * * of the fraudulent XXXX, XXXX, XXXX, and SSA-related entries * * * Removal of all negative information and hard inquiries * * * * * Written confirmation * * that these items will not be reinserted I ask that all parties including credit bureaus and data furnishers comply with their obligations under federal law to protect victims of identity theft and restore the accuracy of my consumer reports.

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 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I need a letter from Navy Federal stating they did not repossess the boat they helped me purchase with a loan.

I am asking for printed information of their actions in the matter and Navy Federal is not complying with Electronic Signatures in Global and National Commerce Act ( ESIGN ) and regulations set by the Consumer Financial Protection Bureau ( CFPB ). 

Ive been on email, phone calls and in person to the financial institution and they are unwilling to say that they had nothing to do with the repossession on paper.

All Ive been told that the lien was sold back in 2021 and not to whom? I was told that the title was sold to a third party but they can not send me the details of the third party.

Navy Federal is required to disclose on paper format the status of repossession whether or not there were a party to the actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint against Equifax for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I received a letter from Equifax refusing to investigate my credit file disputes. Their justificationthat an unauthorized third party submitted my correspondenceis false and defamatory.

Every dispute was submitted personally by me, in my name, with my signature, and with no involvement from any credit repair agency. Equifaxs refusal to investigate is part of a pattern of obstruction and evasion, in direct violation of my rights under the following federal statutes : 15 U.S.C. 1681i ( a ) Failure to reinvestigate disputed items ; 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy ; 15 U.S.C. 1681g Failure to provide the method of verification ; 15 U.S.C. 1681b Continued reporting of unauthorized inquiries with no proof of permissible purpose ; FCRA 605B Failure to block identity theft items despite valid FTC Identity Theft Report.

This refusal came despite the following being on file : FTC Identity Theft Report Valid government-issued ID and SSN Multiple CFPB complaints ( e.g., XXXX ) Copies of mailed dispute letters and certified delivery receipts Equifax has also failed to disclose the method of verification or identify the furnishers responsible for continued derogatory data.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX DE XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The company has responding but if failing to even look at what I am sending. Yes I have a XXXX  loan but they are listing it multiple times with the same account number. There should only be two not four loans.

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

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries 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

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