vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
I, XXXX XXXX, am reporting a pattern of deceptive, coercive, and financially abusive conduct in connection with a retail installment contract executed on XX/XX/XXXX, through XXXX XXXX XXXX  who was operating as JD ByRider at the above-listed address. 



I entered a Retail Installment Contract and Security Agreement ( Contract No. XXXX ) for the purchase of a used XXXX  XXXX XXXX, trading in my XXXX  XXXX XXXX and placing a down payment of {$2500.00}. The terms included : APR : 24.98 % Finance Charge : {$10000.00} Amount Financed : {$16000.00} Total of Payments : {$27000.00} Total Sale Price ( including down payment ) : {$29000.00} After executing the contract, my vehicle ( XXXX XXXX ) was repossessed without due process or adequate notice, while I was at a XXXX XXXX location. I received a repossession notice citing only {$300.00}, but no opportunity was provided to cure the alleged default. 



In violation of Illinois law and basic consumer protections : I was never returned my XXXX  XXXX XXXX after the XXXX was repossessed. 

The account for this contract briefly appeared on my credit report and was then mysteriously removed. 

I have made multiple unsuccessful attempts to contact the dealership, which appears to be avoiding or evading communication. 

As a result of this conduct, I was left without transportation while XXXX  and at risk of losing my employment. 


There appears to be a broader issue with auto dealers targeting vulnerable consumers with usurious rates, abusive repossession tactics, and disappearing contracts. 

Specific Violations and Concerns : Failure to return the trade-in vehicle ( Unjust enrichment ). 

Improper repossession without right to cure under Illinois law. 

Predatory lending practices ( APR nearly 25 % with low-income borrower ).

Credit reporting violations sudden appearance and removal of tradeline. 

Failure to provide documentation, accounting, or notice of sale post-repossession. 

Fraudulent concealment or destruction of contract history. 

Obstruction of my right to resolve or redeem the property. 

Desired Resolution : Full investigation into JD Byrider XXXX XXXX XXXX XXXX and its lending and repossession practices. 

Disclosure of all relevant records including payment history, repossession documents, and auction/sale records.

Immediate deletion of any negative credit reporting.

Restitution for the XXXX  XXXX XXXX ( or its equivalent market value ). 

Sanctions or oversight if this pattern is found to affect other consumers. 

Financial compensation for lost wages, emotional distress, and XXXX hardship due to the repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This account has been reported inaccurately, I didnt authorize the creditor to put this account onto my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
reporting inaccurate information that is causing negative remarks and creating financial hardship. please validate debt

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Please update my personal information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am notifying you that these accounts were fraudulently opened and are inaccurately reflected on my credit report. Under 15 U.S.C. 1681g, I formally request their removal within 15 days. Attached you will find supporting documentation verifying this dispute.

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 2025-06-05 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX. Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account XXXXXXXX XXXX XXXX  as soon as possible from my report or I will have to take legal action.

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 2025-06-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TN

Complaint narrative:
According to 15 USC 1681 I have the right to dispute inaccurate information and unverifiable information that's on my credit report. I disputed this multiple times XXXX XXXX XXXX XXXX and it's coming back updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/year>, I initiated a {$150.00} XXXX payment to XXXX XXXX ( XXXX ) through my Ally Bank account. At the time of the transaction, there was no indication that my XXXX profile was under review or that any restrictions had been placed on my ability to send money. The transaction was allowed to proceed normally, with no warning or notice that the payment would be held. 

Shortly after submitting the payment, I received a message stating that my XXXX profile was on hold due to an identity verification issue. As a result, the {$150.00} payment to XXXX XXXX was placed on hold, and I lost the ability to send or request funds from new contacts, manage existing contacts, or complete the payment. The message instructed me to call XXXX to resolve the issue. 

I contacted Ally Bank, and a representative confirmed that a request had been submitted to remove the hold. I was provided a case reference number : XXXX. However, as of now, the restrictions remain in place, and the funds are still on hold. 

This situation has caused significant inconvenience, especially since I was permitted to initiate the transaction without any prior notice of restrictions or identity concerns. I am requesting prompt resolution of this matter and the release of the held funds.

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 2025-06-05 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX 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 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 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 2025-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX XXXX 

I am disputing a rental debt that has been reported to the credit bureaus by my former landlord ( or a collection agency acting on their behalf ). I do not owe this amount, and the charges are either inaccurate, inflated, or were not properly communicated to me during or after my tenancy. I requested a detailed breakdown of the charges, but have not received sufficient documentation to validate the debt. Under the Fair Credit Reporting Act ( FCRA ), unverified or inaccurate information should not be reported. I am requesting that this debt be fully investigated and removed if it can not be substantiated. 

I never received a final bill or notice of collections until I saw it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: WI

Complaint narrative:
I am submitting a formal dispute regarding the XXXX XXXX account ending in XXXXXXXX XXXX XXXX, which is being reported inaccurately across TransUnion, Experian, and Equifax. 

This account was settled and paid after charge-off, yet it continues to be reported with derogatory remarks, conflicting dates, and incomplete information. One bureau marks the account as " Paid, '' another as " Derogatory, '' and the dates for last activity, payment, and closure are inconsistent. No Form 1099-C, signed contract, or itemized billing has been provided to justify this reporting. 

This violates my rights under several federal laws : - The * Fair Credit Reporting Act ( FCRA ) * requires that all information reported be accurate, complete, and verifiable. 
- The * Truth in Lending Act ( TILA ) * ensures transparency in credit reporting and balances. 
- The * Fair Credit Billing Act ( FCBA ) * protects consumers from unfair or deceptive billing practices. 

Reporting a paid, settled account as if it were still derogatory without proper documentation is not only misleading but also harmful to my credit profile. It creates an inaccurate representation of my financial history and violates the standards set by these laws. 

I am requesting that this account be deleted from my credit report entirely. If the information can not be fully validated with supporting evidence, it must be removed according to federal law. Please take this matter seriously and investigate thoroughly. 

Thank you for your time and attention.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation