vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
Product : Auto loan Issue : Predatory loan terms, harassment, deceptive practices, financial hardship. 

I obtained an auto loan through JD Byrider with an APR of 21.26 %. The loan terms are predatory and far above reasonable market rates. In addition, I have experienced repeated harassment from the dealership regarding payments. Despite making regular payments, the balance remains unreasonably high, and the dealership has not provided clear or fair resolution options.

Because of this loan, I lost my apartment since I could not afford both rent and the car payment. I can not afford health insurance, I was denied a mortgage, and I have suffered additional financial harm including an ant colony infestation in the vehicle and a {$600.00} exhaust repair.

These practices have caused severe hardship and appear designed to trap consumers in longterm debt. I request federal oversight into JD Byriders lending practices, investigation into the harassment, and relief from this predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: North American Credit Services
State: FL

Complaint narrative:
I am filing this complaint because XXXX has violated multiple federal and state consumer protection laws while attempting to collect an alleged debt. 

In XX/XX/year>, I sent XXXX a written dispute and formally revoked consent for all phone calls, texts, and emails. Despite that, the company continued to contact me. They called me four separate times using automated voicemail systems, which violates the FDCPA, FCCPA ( Florida Consumer Collection Practices Act ), and the TCPA due to the use of an autodialer without consent.

After these unauthorized contacts, I sent a formal cease-and-desist letter. Even after receiving that letter, XXXX still sent me an automated text message. They knowingly communicated in a prohibited manner despite being on notice in writing. This conduct is unlawful under both the FDCPA and Florida FCCPA, and is also a separate willful TCPA violation.

I sent multiple pre-litigation demand letters to the company requesting resolution. These were ignored completely. This demonstrates a pattern of disregard for consumer rights and regulatory compliance.

After I sent my pre-litigation dispute and demand letters, the original creditor contacted me directly using the same methods I had revoked, including a hybrid voicemail containing both live and automated elements. This communication occurred after : My formal written dispute My revocation of all phone/text/email communications XXXX  receipt of pre-litigation notices Active pre-litigation status regarding their collection efforts Because the creditor is directly connected to and acting through XXXX, there is no reasonable possibility they were unaware of my dispute, revocation, or cease request. Their decision to contact me anyway and to do so using automated technology shows willful disregard for consumer protection laws and a complete failure to maintain lawful communication procedures. 

Their conduct was not accidental or isolated. It reflects a systemic problem and demonstrates that both the collector and the creditor knowingly continued using prohibited contact methods, even after multiple written notices and warnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Identity Theft Request to Block Fraudulent Account and inquiries under FCRA 605B I am writing to formally request the blocking of fraudulent account and inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent account and inquiries were initiated without my knowledge or authorization. 
The fraudulent account is XXXX XXXX XXXXXXXX - XX/XX/XXXX ( Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
The fraudulent inquiries are XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

Do not place any fraud alert or security alert on my credit report as part of this request.

Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of 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 2025-12-09 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: VA

Complaint narrative:
I have unverified accounts on my consumer report, that does not belong to me and I'm disputing them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
I am submitting this complaint against Equifax and TransUnion for continuing to report a tradeline under my name that is inaccurate, unverified, and belongs to someone else. The account is : Creditor : XXXX XXXX XXXXXXXX Charge Off Account Number : XXXX Reported as Authorized User on Equifax and TransUnion I have never been an authorized user, never agreed to or accepted inclusion, and have no relationship to the primary account holder. This is clearly a mixedfile / identitymix error. 

Under the Fair Credit Reporting Act ( FCRA ) and Regulation V, furnishers and credit reporting companies have a duty to ensure maximum possible accuracy, and to conduct a reasonable, meaningful investigation when a consumer disputes an item. 

Recent public findings by the CFPB confirm this is not an isolated issue. In the XXXX XXXX  edition of Supervisory Highlights, CFPB examiners found that CRAs and furnishers repeatedly failed to remove or block information associated with identity theft, XXXX XXXX, or mixedfile / unauthorized user errors including cases where consumers disputed accounts they did not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
They are calling several times a day for a debit of {$550.00} from XXXX XXXX. Looking up XXXX XXXX it is a XXXX XXXX and XXXX company. I live in XXXX  and have for XXXX years - prior to that XXXX  for XXXX  years. This is not my debt. The number calling is XXXX and is labeled TSI. I looked up TSI and their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I deposited a cashier 's check for {$36000.00} on XX/XX/year>, at Chase, issued by XXXX XXXX XXXX. when I deposited the check, the teller told me that there was going to be a hold on it until XX/XX/year>, however, the teller told me that, usually Cashier 's checks are available the next business day, which would be Monday, XX/XX/year>. Th teller also told me that if the funds didn't become available on Monday, he would give the information to the branch 's manager, and she would be able to release the funds. 
I went there yesterday morning, the manger uploaded the information and told me that it might take a few minutes, and I could go home, and the teller would call me when the funds became available. I didn't get the call, I went to the branch again in the afternoon and was told by the teller that, they weren't able to release the funds and the manager 's request was denied. 
I called the customer service and spoke to many people, and I told them that it was very important to get access to at least some of the funds deposited. the manager told me that they couldn't release anything without telling me the reason/justification. I, then said, ok, if you can't release the funds, then give my check back, I would go to XXXX XXXX XXXX  and cash it there. I was told that they couldn't give me check back. They can't because the check has already been cleared and Chase is holding the funds for no legitimate reason while I am in a desperate need of funds, even some. That check must have been cleared on Friday night. They are just lying. Please help me. 

Thanks The Complainant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to National Credit Systems. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law.

The CFPB platform provides accountability and assurance that my request is properly forwarded and that National Credit Systems is required to respond.

In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Recieved a court order notice that LVNV Funding was garnishing my paycheck wages however the company took out {$500.00} more than they were supposed to take. The dates and amounts are as follows XXXX for the amount of {$370.00} XXXX for the amount of {$370.00} XXXX for the amount of {$490.00} In which my garnishments was in the total amount of {$730.00} however {$1200.00} was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Please examine this entry ; it could be late and flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Called me to collect a debt, they were quite rude and short like I was an inconvenience. I gave them my address to send me the statement, but it's got ta be a scam or wrong because I already settled all of my accounts with a debt resolution company, and I haven't opened anything new since then. 

I looked them up, and it doesn't sound good. I think these people are scammers or something. 

The letter is dated XX/XX/year>. 
They say I owe them {$1400.00}, for Citizens Bank NA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Keep calling me harassing me after i said stop, i dont have the money what they want me to do!? Have been sending text messages and calling after i told them to stop os in violation of Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692d.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 have no ties to these accounts ; they are to be erased within 15 days according to USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint because my credit file continues to contain personal information that is incorrect, even though I have disputed these items multiple times with the credit reporting agency. I have previously provided valid documentsincluding my government-issued identification, Social Security information , and proof of my current addressdemonstrating that the personal data being reported does not belong to me. Despite this, the same inaccurate details remain on my report with no proper correction or justification. 

Inaccurate Personal Information Still Being Reported : Incorrect XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses reported : o XXXX XXXX XXXX XXXX, GA XXXX It is being reported as my current address, but it is not, so the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX o XXXX XXXX XXXX XXXX, OH XXXX These items have been disputed more than once, yet they continue to reappear without any clear explanation. I have not received adequate information about how this data was verified or why it remains in my file. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a complete and accurate credit file, a thorough reinvestigation of disputed information, the removal of unverifiable data, and a clear description of the method used to verify the disputed items.

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 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
There is an account from The children 's Place by XXXX XXXX XXXX  with the company XXXX XXXX with an amount of {$690.00} opened XX/XX/year> that I did not open and I do not know who did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Review the documents provided ; the inquiries arrived abruptly and may not have authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IN

Complaint narrative:
This letter serves as notice that several accounts on my Experian credit report are inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act, you are required to conduct a reasonable reinvestigation and delete any information that can not be verified. 
XXXX XXXX XXXX XXXX Charge-off Reporting a past-due balance after a charge-off is contradictory.

Payment grid contains only CO codes with no actual payment history. Requested Action : Delete due to incomplete and unverifiable reporting. 
XXXX. XXXX Charge-off Internal inconsistencies between balance, past-due, and status. 
DOFD not properly shown ; appears re-aged. Requested Action : Delete under 1681e ( b ) and 1681i. 
XXXX. XXXX XXXX Charge-off Shows closed due to inactivity AND charge-off, which is contradictory. 
High credit shows as {$0.00}, which is inaccurate. Requested Action : Delete for failure to maintain maximum possible accuracy. 
XXXX. XXXX XXXX XXXXXXXX Charge-off Balance exceeds credit limit, which is impossible. 
Payment history is coded as CO continuously without details. Requested Action : Delete for inconsistent reporting. 
XXXX. XXXXXXXX XXXX Derogatory You report derogatory status, while XXXX shows Paid.

Cross-bureau inconsistencies automatically violate accuracy standards. Requested Action : Delete.

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 2025-12-09 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 not connected to these accounts ; they must be deleted within 15 days according to USC 1681g.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Please inspect the documents given ; the questions came in without prior notice and might be unauthorized.

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