vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
I just believe I am dealing with some type of auto scam, and the people are getting money, through extortion tactics and stealing peoples cars if they don't pay up. It could even be something outside of that, and it could be some type of criminal behavior. I'm getting that, so they need money for criminal activity. So far, on this particular vehicle, I have paid XXXX $ on the vehicle, if it's that easy to take my vehicle, then I do not want it, and I will seek legal action. Because I know I have a really good case. I have all the paperwork and documentation, I have every payment amount, and I have everything I've fixed on the vehicle. I also know that someone who I take care of, called me and said byrider was harassing them, not sure why or how, maybe because they know something about that whole vehicle deal that I don't, but anyways, I will use all that, in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 2025-06-24 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am writing to formally request your immediate assistance regarding a credit card account that appears on my credit report without my authorization or knowledge. 
1. My credit report with Experian shows a credit card account under the name XXXX XXXX XXXXXXXX, with the last four digits XXXX. 
2. This account was opened on XX/XX/year>, and currently shows a balance exceeding {$3000.00}. 
3. I have filed three disputes directly with Experian, and each time I have been informed that this account belongs to me, which I categorically deny.

4. Additionally, I have made multiple phone calls to XXXX XXXX XXXXXXXX, where I initiated a fraud report. 
However, I have not received any resolution or effective follow-up from the bank. 
5. I have brought and attached copies of my credit report showing the disputed account.

I respectfully request a thorough investigation and that this fraudulent account be removed from my credit report.

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Javitch, Block & Rathbone LLC
State: TN

Complaint narrative:
This law firm is handling a default judgment on an old XXXX charge card. The original balance was approximately {$2900.00} and has since grown to over {$4500.00} ( though the balance itself isnt the issue ). The main problem is the firm 's outdated and inefficient practices. They appear to rely solely on obtaining default judgments and passively waiting for payment. 

They are nearly impossible to reach. After finally getting someone on the phone, I was told they only provide payoff letters via traditional mail or faxno emailwhich is incredibly outdated and slow. Ive spent over XXXX hours on hold ( while listening to awful music ) just trying to obtain a payoff letter for my title company so I can close on the sale of my home and pay off all outstanding debts. 

This firm is actively delaying the closing process without any sense of urgency, all while interest continues to accrue daily. Ironically, the purpose of placing a lien on a property is to ensure they get paid when it sellswhich Im trying to dobut theyve already caused the closing to be delayed by at least a week. 

Their online system is useful for payment plans, but completely unhelpful when it comes to paying the balance in full. There absolutely needs to be a better and more modern process for debtors to obtain payoff informationideally one that includes the use of email and electronic communications.

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 2025-06-24 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-06-24 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: LEXISNEXIS
State: MS

Complaint narrative:
The reinvestigating of my report was not conducted properly. Lexis Nexis claimed that the disputed information in my consumer file was verified through sources such as the United States Postal Service ( USPS ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I have directly contacted each of these entities and have obtained written confirmation that they do not have any records of me and have not provided any personal information to third parties, including LexisNexis. Additionally, I have reviewed the privacy policies of these organizations, which clearly state that they do not release personal information to third parties under any circumstances without my consent. Therefore, your claim that you verified the information through these sources is demonstrably false. 

Lexis Nexis continued reporting of this inaccurate information, despite clear and documented evidence to the contrary, constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to Conduct a Reasonable Reinvestigation FCRA 1681i Failure to Ensure Maximum Possible Accuracy FCRA 1681e ( b ) Willful Noncompliance FCRA 1681n Negligent Noncompliance FCRA 1681o Providing False or Misleading Verification Information Violating the spirit and procedural safeguards required under the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Im being accused of paying my account more than once when I know I have approved for advance payments to be taken out of my checking account on set date with set amount ; but Im being told I requested for two separate payments to come out one account which would not be acceptable on my end Im on fixed income all my bills are paid from my bank account ; I have 3 - separate credit cards account with XXXX credit card company and I pay each one on or around XXXX of every month. Because of them just taken funds or trying has caused me very bad negative in my account this is not the fist time either they have credit my account twice for bill payments. Can you please look into this please its not fair they have that much control and cause people life to shatter in pieces.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
XXXX is reporting a late payment from XX/XX/year>XXXX  on account number XXXX XXXX XXXX XXXX XXXX across all three credit bureaus, including XXXX, XXXX, and TransUnion. This account has long been closed and fully paid, and the reported balance is {$0.00}. Despite this, the derogatory late payment remains in my credit profile and continues to inflict damage on my creditworthiness. 

This negative mark is more than a decade old and grossly exceeds the standard credit reporting limit established under the Fair Credit Reporting Act ( FCRA ). According to FCRA 605 ( a ) ( 5 ) [ 15 U.S. Code 1681c ], derogatory information, including late payments, can not be reported for longer than seven years from the date of the delinquency. In this case, that seven-year window has long since closed.

XXXX and the credit bureaus have had ample time and opportunity to verify or remove this outdated data, and yet they have allowed it to linger in my filewithout notice, documentation, or justification. The continued reporting of this obsolete and closed account is a direct violation of the FCRA, specifically 1681e ( b ), which mandates that credit reporting agencies maintain the maximum possible accuracy in the data they report. 

This isn't just a technicalityits a serious and ongoing harm. Lenders viewing this old and irrelevant derogatory mark may assess me as a higher-risk consumer, resulting in unfavorable credit terms, higher interest rates, or outright denials. I should not continue to pay a price for a closed and resolved account that should have automatically aged off my report years ago.

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 2025-06-24 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: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
" Pursuant to 15 U.S.C. 1681i and 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate and unverified information appearing on my credit report. '' A representative at Pennymac refused to correct, also was rude, and mean. Customer service representative showed bias against XXXX XXXX. I also informed another representative of this situation. Nothing has been done. This is clearly discrimination! 


These entries are inconsistent between the credit reporting agencies and are not accurate to my knowledge. The discrepancies in reporting across the bureaus raise concerns about the accuracy and verification of this data. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on credit reports is accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Date : [ XX/XX/XXXX ] To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Immediate Removal Request - Unauthorized Hard Inquiry ( FCRA S 604 Violation ) Dear Dispute Department, I am writing to dispute a hard inquiry that appears on my credit reports from your agency under the name CAP ONE NA ( Capital One ) dated XX/XX/XXXX. I am formally stating that I did not authorize this inquiry and that it was made without my knowledge or consent, in violation of the Fair Credit Reporting Act ( FCRA ), Section 604. 

I have never applied for credit or initiated any transaction with Capital One that would warrant a hard inquiry. I did not provide any form of authorizationverbal, written, or digitalfor this access to my credit report. 

Therefore, I am requesting the following : 1. Immediate removal of this unauthorized hard inquiry from my credit report.

2. A copy of proof of authorization or permissible purpose for this inquiry.

3. A written response within 30 days, as required by FCRA Section 611. 

Please find enclosed the following to verify my identity : A copy of my government-issued photo ID A copy of my credit report with the disputed inquiry highlighted If you are unable to verify that this inquiry was authorized by me, you are legally obligated to remove it. If not resolved, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals Office. 

Thank you for your prompt attention. I expect confirmation that this unauthorized inquiry has been removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited {$1900.00} at a Chase ATM in XXXX, FL. The ATM accepted the money, but only {$900.00} was credited. I immediately filed a complaint, received a provisional credit, but it was later reversed without sufficient evidence or transparency. Chase refuses to provide ATM audit logs or video review documentation. Im requesting intervention and full reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
All three credit reporting agenciesXXXX XXXX  and Equifaxare currently reporting a repossession from XXXX XXXX XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a date listed as XX/XX/year>. I am disputing this account on the grounds that it is inaccurate, incomplete, and unverifiable. 

This item is significantly damaging to my credit report, and I have previously requested verification under the Fair Credit Reporting Act ( FCRA ), specifically under Section 609 ( a ) ( 1 ) and Section 611 ( a ). Despite these requests, none of the credit bureaus have provided documentation such as a contract, proof of default, or an accurate accounting of payments that substantiates this repossession.

XXXX XXXX XXXX has also failed to furnish clear evidence that this repossession occurred in accordance with legal requirements or that proper notifications were sent. There are discrepancies in how this item is reported across the three credit bureaus, suggesting poor data integrity and lack of proper investigation on their part. 

Additionally, there is no indication that a proper deficiency balance was calculated or disclosed after the alleged repossession, as required under state and federal consumer credit laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
This is to inform you that I sent you several letters disputing same inaccurate information you are producing in my consumer report that affects my reputation. I know my legal rights and I know that I am protected by the Consumer 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, FTC REPORT NUMBER : XXXX ( XX/XX/XXXXXXXX  ) This letter is a formal dispute regarding numerous fraudulent accounts and unauthorized inquiries reported under my name and Social Security Number. I am submitting this dispute in conjunction with a filed report to the Federal Trade Commission ( FTC ) for identity theft and data misuse. 
These accounts and inquiries were not initiated or authorized by me, and their presence on my consumer file violates my federally protected rights under multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Gramm-Leach-Bliley Act ( GLBA ). 
DISPUTED ACCOUNTS XXXX XXXX  Account # : XXXX Routing # : XXXX Account Type : Checking & Savings Incident Date : XX/XX/XXXX Reason : Fraudulent account XXXX  XXXX XXXX Account # : XXXX Routing # : XXXX Reason : Fraudulent account UNAUTHORIZED CREDIT INQUIRIES The following inquiries were made without my knowledge, consent, or written instruction, violating 15 U.S.C. 1681b ( 604 A Section 2 ) : 1. [ Creditor Name ] [ Date ] ( Add here as needed ) LEGAL GROUNDS FOR DISPUTE Under federal law, the accounts and inquiries listed above are in violation of my rights : 15 U.S.C. 1681 Section 602 ( A ) : Right to privacy and accuracy in consumer reporting.

15 U.S.C. 1681b ( 604 A Section 2 ) : No report may be provided without written instruction from the consumer.

15 U.S.C. 6802 ( a ) ( b ) : Financial institutions must provide notice and the right to opt out before disclosing personal information to third parties.

15 U.S.C. 1681c ( a ) ( 5 ) : No report shall contain adverse information more than 7 years old.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Furnishers must not knowingly report inaccurate information. 
DEMAND FOR ACTION Accordingly, I demand : 1. Immediate deletion of all the above accounts and inquiries from my credit file.

2. Written confirmation of removal within 30 days from the date of receipt, per FCRA.

3. A full reinvestigation and documentation of how these entries were added to my report. 
If these fraudulent and unauthorized items are not removed in a timely manner, I reserve the right to take further legal action. 
Please confirm in writing that these items have been deleted and that my file has been corrected. A copy of my ID and FTC Identity Theft Report is enclosed [ if applicable ]. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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