vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX I sent out an email regarding my payments and wanting a copy of the charges and where payments are going. I received a calls from the company but I couldnt answer because I was working. When I finally got to answer they asked me to come in to go over the paperwork but with my schedule I cant make that happen as quickly as I would like. Im scared to self surrender my vehicle. Because my credit score will take a hit. I purchased a XXXX XXXX XXXX from Byrider in XXXX, IN, on XX/XX/XXXX, and financed it through XXXX. The vehicle had XXXX miles at the time of sale, and the listed price was {$15000.00} far above market value for a car with that mileage and age. 
I paid a {$700.00} down payment ( {$200.00} down plus {$500.00} trade in ), followed by : XXXX biweekly payments of {$300.00} between XX/XX/XXXX and XX/XX/XXXX XXXX biweekly payments of {$230.00} from XX/XX/XXXX through XX/XX/XXXX In total, Ive paid {$3900.00} toward the vehicle in just XXXX months. Despite this, I still owe {$14000.00} on the loan. The amount Ive paid has barely touched the principal balance. 
I believe this loan was predatory and deceptive. The vehicle was grossly overpriced for its condition and mileage, and I was not clearly shown how interest and fees were calculated. I was also not given a clear amortization schedule. 
I am now unable to afford the ongoing payments and plan to surrender the vehicle, but I am requesting the CFPBs help to investigate this loan and hold CNAC accountable for what I believe are unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: NV

Complaint narrative:
I made my payment on XX/XX/year> which is my due date. I am being reported as 30 days late and my account was not XXXX days past due. I asked for this error to be corrected and it has not been. My payment was made on time I am being penalized for the trailing late fees on the account which I asked to be removed and my requests was declined. I also asked for my credit report to be corrected and my request was denied as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info. 
15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Home equity loan taken out with another financial institution in early XXXX Creditor XXXX, who owned the loan after acquiring from creditor XXXX, had loan amount paid in full approximately XX/XX/year>. A reimbursement was issued to me for the additional payments made while waiting for loan payoff processing. XXXX issued a reimbursement. Per XXXX representative, " system upgrades '' performed at XXXX placed my loan into bankruptcy status with XXXX Creditor XXXX continued to report to credit agencies on time payments of {$0.00} without balance decrease from prior payoff amounts. XXXX was informed that this account was not in bankruptcy, but in fact paid in full. Escalated support representative informed that the account had to be fixed and that he would follow up with more information. Representative did not call back, and account began increasing in amount owed. XXXX to XXXX, representative informed that there was an amount owed to SST for apparent incorrect reimbursement amount, but the loan was paid in full. Was advised that there was not a current payment plan, that the account was to remain open until amount was paid back in full, to not dispute with credit agencies, and that they would request a full summary to be sent to assist with understanding the history on the account. No history has been received, and a credit agency dispute returned the same information reported previously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX. According to the law, you and the data furnishers must certify all aspects of required fcrametro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiries Under the FCRA To Whom It May Concern, I am writing to dispute two unauthorized hard inquiries that appear on my Equifax credit report.

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I respectfully request that these inquiries be removed immediately unless you can provide documentation proving that I authorized them. 
The disputed inquiries are as follows : - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate or authorize these inquiries, and therefore they are inaccurate and should not be reflected on my credit report. Please investigate these inquiries and provide me with written documentation that proves they were legally permissible and authorized by me. 

If you are unable to provide such documentation, I request that you delete these inquiries from my credit report promptly. 

Enclosed are copies of my government-issued ID, Social Security card , and proof of address to assist with your investigation.

Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts listed on my report. Please remove these accounts from my credit report as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX To Whom It May Concern, RE : Formal Dispute of Accounts and Inquiries Under FCRA Guidelines This letter serves as a formal written dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding inaccurate and unauthorized entries appearing on my credit report issued by your agency. 

Upon review of my credit file, I have identified the following accounts and inquiries that I believe to be inaccurate, unverifiable, and/or the result of unauthorized or fraudulent activity : Disputed Accounts XXXX. XXXX XXXX XXXX, XXXX Status : Closed / Collection Dispute Reason : Unauthorized and unverifiable debt reporting XXXX. XXXX XXXX XXXX. 
Status : Closed / Unsecured Loan Opened : XX/XX/XXXX Dispute Reason : Account not recognized and was not authorized XXXX. XXXX XXXX Bank SS Status : Closed / Secured Loan Opened : XX/XX/XXXX Dispute Reason : Account appears in error or may have been fraudulently opened XXXX. XXXX XXXX Inquiries Dated : XX/XX/XXXX and XX/XX/XXXX Type : Personal Loan Companies Dispute Reason : I did not authorize these inquiries ; they are erroneous or fraudulent XXXX. XXXX XXXX, XXXX, Zip Status : Closed or Current ( please refer to attached screenshots ) Dispute Reason : Accounts were either opened without authorization or continue to report inaccurately after closure Inquiries to Be Removed I request the immediate investigation and removal of the following inquiries as they were either unauthorized or made without permissible purpose : XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( See attached Exhibit A ) Additional Closed Accounts ( To Be Completed by Hand ) Please investigate and remove the following accounts as well, which I will handwrite below before printing and sending this letter : Legal Notice & Request for Compliance In accordance with 15 U.S.C. 1681i of the FCRA, I hereby demand the following : 1. A prompt investigation into the accounts and inquiries listed above.

2. Written confirmation that the disputed entries have been deleted or corrected.

3. Copies of all documents used to verify the accuracy of the accounts and inquiries. 
4. Removal of any unverifiable or unauthorized entries within 30 days.

Failure to comply with the obligations set forth by the FCRA may result in legal action, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney General. 



Enclosures : Copy of photo ID and proof of address Credit report excerpts ( Exhibit A Screenshots showing disputed items ) [ ] Sincerely, 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 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to express my concerns regarding my account. After logging in today, I realized that I have been charged a late fee of {$43.00} every month for the past two years. I typically make my payment on the third of each month. However, I have incurred a total of {$510.00} in late charges over approximately 12 months due to the company not sending me my monthly statements by mail. 

I do not understand why I stopped receiving these statements, as they are crucial for tracking my payments and avoiding late fees. I was unaware I was being charged late fees until I accessed my account online today. 

During my conversation with XXXX, the manager, I found her response to be very rude and dismissive. She threatened to hang up on me and refused to discuss any compensation for the late charges. XXXX insisted that I had opted for online statements, but I did not choose that option. I feel that her behavior misrepresents the company, and this is not the first negative experience I have had with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed inconsistencies on my credit report regarding XXXX  Account XXXX. This account is reporting falsely. According to the FCRA 15 USC 1692g the credit agencies must report accurately and fairly across all three credit bureaus. there are indefinite inconsistencies with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX has 2 accounts in collections on my trans union credit report both say I have a balance and both are listed as charge offs I can not have a balance if they were charged off also I never received a 1099if they were charged off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
Mailed a certified letter to XXXX  for debt verification for several accounts Accounts are coming back verified, but I havent received any documents that I requested to show the chain of assignment from companies to me. I have yet to receive any information showing that the debts were valid. 

Letter was mailed XX/XX/year>. Accounts coming back as verified even though they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I submitted an identity theft block request through [ XXXX XXXX XXXX online portal. I provided all required documentation, including : A valid FTC Identity Theft Report A copy of my government-issued ID A recent proof of address I am a victim of identity theft. Several accounts were opened without my knowledge or permission, including a Navy Federal Credit Union account reported as opened approximately 8 years ago. I have never had any relationship with this institution. 

Under 15 U.S.C. 1681c-2, the credit bureau is required to block identity theft-related information within 4 business days of receiving proper documentation. That deadline is now active, and these items have not been removed.

I am requesting CFPB support to enforce the law and ensure that all fraudulent accounts are permanently deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation