vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
JD Byride AKA CNAC is charging me 24.81 % APR which I was NEVER informed was my percentage. This was NOT disclosed to me on any paperwork I received at the time of signing. This apr interest rate also exceeds the State of Florida cap on interest rates for a loan between $ XXXX {$25000.00} as the loan was {$15000.00} for a {$4200.00} car with a 24.81 % APR. I have asked this company to lower my monthly payments as {$450.00} per month for this car is not fair. The price is this high due to their interest rates. 

They also neglected to tell me what my purchase limit would be on a car with them, what the car cost, how much the payments were, etc. I didnt discover the payments were $ XXXXbi weekly until I was signing the documents and I had to discreetly snap a photo of my price breakdown because they were watching me like a hawk to make sure I didnt photograph anything. This photo shows they failed to provide the interest rate at that time. I also have never received a paper copy of my contract, they refuse to refinance me and due to the tremendously high interest rates, no other lender will refinance me either. JD Byrider/CNAC has done this to numerous people. So much so that there is a XXXX XXXX called Exposing JD Byrider where hundreds of people are experiencing the same issues. Mind you, this company has added a new clause to their contacts stating that people can NOT sue the company for any wrongdoing on the companys end. This shows that theyre aware of the issues and try to avoid responsibility by preventing customers from suing them. JD Byrider/CNAC has continued to ignore emails from me, often times Ive been hung up on by their representatives, been lied to, etc is ridiculous. Last week on Friday XX/XX/year>2025 I requested to have my bi-weekly payments lowered. I was told by XXXX the finance manager that she would have an answer come Monday the XXXX. It is now the XXXX and I have yet to receive an update despite emailing her twice now and I havent tried calling because whenever shes supposed to be helping me shes supposedly too busy to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX inquiry dateXXXX XXXX, XXXX, XXXX : inquiry XXXX, XXXX XXXX inquiry XXXX, XXXX XXXX XXXX inquiry XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  : inquiry date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 602 A. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2025-07-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 602 A. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am submitting this complaint regarding a debt being reported and collected on by Portfolio Recovery. 
The account shows an open date of XX/XX/year>2024, with Portfolio Recovery listed as both the current and original creditor, which is inaccurate. Portfolio Recovery is not the original creditor and is known as a debt buyer. This is misleading and may violate FCRA reporting standards. Additionally, I requested validation of this debt and have not received any documentation containing my signature on an original agreement. This violates my rights under the FDCPA. 
I am also disputing the accounts reported open date, which appears to be re-aged and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NC

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 explanation
Consumer complaint received 2025-07-27 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: NC

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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
Consumer complaint received 2025-07-27 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: NC

Complaint narrative:
I was disregarded & given no response for an on going attempt to correct my credit file. This information is hindering me from providing a financial institution & assistance for me & my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
Equifax reinserted a fraudulent XXXX  account that had already been blocked under 15 USC 1681c-2 ( a ) after I submitted a notarized affidavit and FTC report . They violated multiple FCRA laws and never notified me. My score dropped XXXX points. Im demanding immediate deletion or I will file a {$5000.00} lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
I submitted this information to transunion due to me finding out accounts were opened that I didnt authorize.

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from ._, my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Creditor Name : Inquiry Date : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Creditor Name : Inquiry Date : XXXX XX/XX/XXXX Creditor Name : Inquiry Date : XXXX  XXXX XX/XX/XXXX Creditor Name : Inquiry Date : XXXX XXXX XX/XX/XXXX Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), i

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 2025-07-27 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: NC

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TN

Complaint narrative:
Account info Account name HUNTER WARFIELD Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I disputed a negative account entry with USAA and the major credit bureaus, including XXXX, regarding continued reporting of an account that exceeds the XXXX credit reporting limit under the Fair Credit Reporting Act ( FCRA ). The account was closed on XX/XX/year>, but the original delinquency occurred more than XXXX years ago. Despite this, it is still negatively reflected on my credit report. 
I requested that USAA confirm the actual date of first delinquency, as that determines the legal reporting window. I also asked for correction or removal of the outdated entry. XXXX  continues to show modified reporting dates, and this is negatively affecting my financial standing. 
I am not acknowledging responsibility for the debt, nor making any payments or agreements. My only goal is to ensure legal compliance and removal of outdated information. 
Actions taken : - Sent formal dispute to USAA Consumer Report Dispute Team - Filed disputes with XXXX  and other major credit bureaus - Requested confirmation of first delinquency date - Requested removal or correction of the account on credit 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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: PA

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, Subject : Formal Complaint Regarding Unauthorized Charges and Missing Refund from Cash App I am writing to file a formal complaint against Cash App ( Square, Inc. ) for unauthorized charges to my account, hidden fees, and a refund I have yet to receive.

Over the past several weeks, I have noticed unauthorized withdrawals and unexplained deductions from my Cash App balance. I was never notified of these charges, did not consent to them, and they were not tied to any transactions I recognize. I have reviewed my Cash App activity and confirmed that these charges are not subscriptions or known purchases. In addition to this, I am also missing a refund that was promised or expected to be returned to me, but it has not appeared in my account.

I have attempted to contact Cash App through their in-app support with no resolution. The lack of customer service, transparency, and accountability has caused me distress and financial harm.

I am requesting : 1. A full investigation into the unauthorized charges and hidden fees.

2. A detailed accounting of all recent charges.

3. An immediate refund of all unauthorized or incorrect withdrawals.

4. Stronger account protection and better communication around charges and refunds.

If I do not receive a satisfactory response or resolution, I will escalate this issue further through all available regulatory and consumer protection channels.

Please acknowledge this complaint and respond with an update or resolution within 7 business days.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
I submitted information to the credit bureau experian after carefully reviewing my credit report and I reached out to the company and to no avail.

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from ._, my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Creditor Name : Inquiry Date : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Creditor Name : Inquiry Date : XXXX XX/XX/XXXX Creditor Name : Inquiry Date : XXXX  XXXX XX/XX/XXXX Creditor Name : Inquiry Date : XXXX XXXX XX/XX/XXXX Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), i

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