vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
Business, I am writing to file a formal complaint against a used car dealership, Byrider in XXXX XXXX, XXXX, for what I believe are unfair, deceptive and predatory business practices. In XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from Byrider for approximately {$27000.00}, even though the vehicle 's fair market value is around {$7000.00} according to XXXX XXXX XXXX estimates At the time of sale, the check engine light was on. When I questioned this, the dealershin assured me it was a small issue that would be easilv fixed. Within days of the purchase, the vehicle developed a valve cover oil leak. I returned it to the dealership. and they claimed to have repaired the problem. However. the issue persisted, and they later stated that the " brand new '' valve cover they installed was cracked. After several attempts to fix it, the leak continued, and my independent mechanic later confirmed the problem still existed. This car has become a maiou financial burden. Despite my efforts to stay current, the dealership 's finance department calls me repeatedly if my payment is even XXXX day late. I feel I was misled about the vehicle 's condition and taken advantage of with an excessive price. I am requesting your office to investigate this dealership 's actions and assist in seeking a fair resolution. Specifically, I ask that your office : XXXX Review the loan and determine it this constitutes predatory lending or price gouging. XXXX. Investigate the dealership 's misrepresentation of the vehicle 's condition. XXXX. Help secure an appropriate resolution such as contract cancellation, refund, or adjustment. Please find enclosed copies of my purchase agreement, repair records, and any correspondence with Byrider for your review. Thank you for your time and attention to this matter. I look forward to your assistance. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Transunion Consumer Services, I am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent inquiries that I have identified on my credit report are as follows : 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 XXXX XXXX XXXX XXXX XXXX  ( a ), I request that Transunion promptly block and delete the fraudulent inquiries from my credit file to prevent further harm to my credit profile. 

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I am writing to formally dispute and request a full review and refund of late fees that were assessed to my account despite my loan being enrolled in automatic payments through Infinity Financial Services / Nissan Motor Company. 

I originally leased my vehicle and later refinanced it with a loan through your institution. When I refinanced, I explicitly requested automatic payments so that my monthly payments would be drafted directly from my checking account to avoid any risk of missed or late payments. For nearly six years, payments have been withdrawn from my account automatically and consistently. 

However, upon the recent payoff of my vehicle, I was shocked to learn that my account has accumulated over {$1300.00} in late fees. At no time was I ever notified that payments were being marked late, nor did I receive any written communication or alerts indicating recurring delinquencies. Had I been made aware, I would have immediately requested clarification or correction. 

This situation is deeply concerning, as it appears to represent a systemic error or failure in your auto-draft system. By setting up and confirming automatic payments, a reasonable consumer would have every expectation that payments would be processed on time and that no late fees would accrue. Continuing to charge late fees without notice contradicts principles of fair and transparent billing. 

Regulatory and Consumer Protection Context Under the Truth in Lending Act ( TILA ) and the Consumer Financial Protection Bureau ( CFPB ) s regulations on billing and automatic payments ( 12 CFR 1026 ), creditors are required to : Provide clear notice of any fees or penalties applied to an account ; Ensure payments scheduled through automatic payment systems are processed in a timely manner ; and Correct billing errors or system defects that unfairly disadvantage consumers. 

Furthermore, continuing to assess late fees when payments were automatically initiated by your system may constitute an unfair or deceptive practice under Section 5 of the Federal Trade Commission Act.

Requested Resolution I am requesting the following : 1. A full investigation and written explanation of how these late fees were incurred while my account was on automatic payments ; 2. A refund or credit of all late fees assessed during the loan term ; and XXXX. A statement confirming that my account has been reported as current and paid in full to all credit bureaus. 

If this issue can not be resolved directly, I will be submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals Office for review, as it appears to involve a pattern of misleading or unfair billing practices.

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have identified serious reporting and billing errors with one of my accounts that are damaging my credit profile. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors must accurately apply payments and provide timely billing notices. However, my payments were not properly credited, and the reported balances reflect clear miscalculations. Furthermore, I never received the mandatory 21-day notice prior to the due date, making any resulting late payment notation invalid and noncompliant with federal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Multiple accounts have been reported in my name that I never opened or consented to. I have no association with these accounts, nor have I authorized any institution to create or manage them on my behalf. This situation is highly concerning and completely unacceptable, as it misrepresents my financial conduct and may indicate potential identity misuse. I want to know how these accounts were added to my file and who is responsible for their reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing inaccurate derogatory reporting by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX across all three major credit bureaus XXXX XXXX, and TransUnion. 

The TransUnion report, attached as evidence, shows this account ( # XXXX ) listed as a charge-off, yet no payment history or supporting documentation has been provided. The account was closed in XXXX, but the status date was recently updated to XX/XX/XXXX, creating a misleading and unverifiable entry. 

The same or similar information appears on my XXXX XXXX XXXX reports. Under 15 U.S.C. 1681s-2 ( a ) and 1681e ( b ), furnishers must report complete and accurate data to each credit bureau XXXX XXXXXXXX XXXX has failed to do so. I request a full reinvestigation and correction across all three credit bureaus to ensure uniform accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am disputing inaccurate derogatory reporting by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX across all three major credit bureaus Experian, XXXX XXXX XXXX 

The XXXX report, attached as evidence, shows this account ( # XXXX ) listed as a charge-off, yet no payment history or supporting documentation has been provided. The account was closed in XXXX, but the status date was recently updated to XX/XX/XXXX, creating a misleading and unverifiable entry. 

The same or similar information appears on my Experian and XXXX reports. Under 15 U.S.C. 1681s-2 ( a ) and 1681e ( b ), furnishers must report complete and accurate data to each credit bureau XXXX XXXXXXXX XXXX has failed to do so. I request a full reinvestigation and correction across all three credit bureaus to ensure uniform accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am disputing inaccurate derogatory reporting by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX across all three major credit bureaus XXXX Equifax, and XXXX 

The XXXX report, attached as evidence, shows this account ( # XXXX ) listed as a charge-off, yet no payment history or supporting documentation has been provided. The account was closed in XXXX, but the status date was recently updated to XX/XX/XXXX, creating a misleading and unverifiable entry. 

The same or similar information appears on my XXXX  and Equifax reports. Under 15 U.S.C. 1681s-2 ( a ) and 1681e ( b ), furnishers must report complete and accurate data to each credit bureau XXXX XXXXXXXX XXXX has failed to do so. I request a full reinvestigation and correction across all three credit bureaus to ensure uniform accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I received notice that you verified certain items on my credit report from the following companies : Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you tell me this in15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and included the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is requested to give that to you. So, when is that? when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response. I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX are co-owners of Citi Bank Checking Account # XXXX. On XX/XX/XXXX XXXX tried to withdraw money from a Citi ATM at the Citi branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. She did not receive the bills from the ATM. She went in to speak to the staff who helped her and eventually went to a different branch. The amount of money she received was {$140.00} in one withdrawal and {$80.00} in another, which was what she had been trying to do. Citi Bank debited our account for three separate {$140.00} withdrawals and the {$80.00} withdrawal. This was two extra {$140.00} transactions that she did not receive the funds for. On XX/XX/XXXX XXXX went back to the branch to ask them to investigate. Investigation number XXXX was opened and Citi originally told her it could take up to 30 days for it to be resolved. I called them on XX/XX/XXXX and they said it should be resolved in 15 days. Either way, Citi is holding onto our {$280.00} for two weeks. Citi knows exactly how much cash was put into their ATM, and how much went out on any given transaction and any given day. We have not yet received a credit for the incorrect two {$140.00} debits. Hopefully we do but it should not take the bank either 15 or 30 days to figure this out. This is an abusive action by the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I am submitting this formal complaint against Sunrise Credit Services , Inc. ( XXXX XXXX XXXX, XXXX, NY XXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) concerning their ongoing failure to provide full, lawful, and verifiable debt validation in connection with alleged Account No. XXXX. 

On or about the date of my original request, I lawfully issued a Debt Validation Demand under 15 U.S.C. 1692g ( b ), requiring full verification of the alleged debt, including a copy of the original signed agreement, complete itemized accounting, proof of ownership or assignment, and evidence of their authority to collect in the State of California. 

Sunrise Credit Services , Inc. responded only by providing a copy of a signed agreement received on XXXX, XXXX XXXX from the original creditor and a limited account summary. This is not full validation under federal law or controlling case law, including XXXXXXXX XXXX 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 



Violations and Noncompliance : Sunrise Credit Services , Inc. failed to provide : A complete itemized accounting of all principal, interest, fees, and charges ; Proof of assignment or ownership establishing their legal right to collect, including the full chain of title from the original creditor ; Copies of all notices and statements sent by the original creditor ; and Proof of licensing or authorization to collect debts within the State of California.

These omissions constitute direct and continuing violations of : 15 U.S.C. 1692g ( b ) : Failure to cease collection pending lawful validation ; 15 U.S.C. 1692e : Use of false, deceptive, or misleading representations in debt collection ; 15 U.S.C. 1692f : Use of unfair or unconscionable means to collect or attempt to collect a debt ; and 15 U.S.C. 1681s-2 ( a ) & ( b ) : Furnishing and failing to correct inaccurate or unverified information to consumer reporting agencies. 

Despite being legally obligated to cease collection until proper validation is provided, Sunrise Credit Services , Inc. continues to claim and report this alleged debt, which constitutes ongoing willful noncompliance and unlawful collection activity under the FDCPA and FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank failed to address ongoing inaccurate post-charge-off reporting unreasonable investigation under FCRA 623 ( b ) I am submitting this response because Citibanks letter dated XX/XX/XXXX, did not address the actual issue in my CFPB complaint. 

My complaint concerns Citibanks continued monthly reporting of delinquencies and an increasing balance after the account was charged off on XX/XX/XXXX. 

Citibanks response simply restated general FCRA policy and declined to make changes, but did not explain why the balance keeps increasing month after month on my credit reports, or why new delinquencies continue to appear post-charge-off. 

This is not a valid response under FCRA 623 ( b ), which requires a reasonable investigation of the specific facts disputed. I did not dispute the existence of the debt I disputed the accuracy and manner of reporting. 

Citibanks investigation appears to have ignored the substance of my complaint, and the continued updates are still damaging my credit. 

I am not disputing payment or seeking settlement I am asking for accurate and fair reporting under 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 explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal ( temporary or permanent ) of the security freeze currently placed on my credit file. I would like to unfreeze my credit report to allow authorized access for credit review and verification purposes. 

Please process this request and confirm that my credit file is now accessible.

Company response to consumer: Closed with explanation