vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
PayPal credit synchrony bank closed my account with no notice at all. I had an active credit with payments being made and apparantly my autopay wasnt working so it got behind. I was never once contacted by PayPal credit for my balance, overdue balance, late fees, etc. I never received a single piece of mail or email from PayPal credit, no statements, no anything. I was never warned of anything or contacted. Then I get an email just today saying my account was closed and I owe 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 2025-06-11 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: GA

Complaint narrative:
As 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 XXXX. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 

Account name : 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

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 2025-06-12 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: AL

Complaint narrative:
Got a used vehicle didnt have it no longer than XXXX months warranty was expired. Car constantly kept leaking oil so I was in the process of trying to get it fixed taking it back & forth to the dealership who I purchased the car from, engine finally went out expenses were to expensive to get the engine fixed. I felt as if it was out of my control due to me trying to get the vehicle fixed and doing things the right way. Dealership said it was a step by step process on getting it fixed took it to the first appointment they sealed some parts up under the hood of the car and told me not to put any oil in it ( car was literally leaking oil fast ) and drive it for so many miles until time to bring it back in and literally the day before it was time to bring it in my vehicle stopped on the interstate. Got it towed to the dealership, they called telling me the prices to replace the engine though I only had the car a good XXXX months and saying the warranty was expired and it wasnt any accomendations they could do for me.

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 2025-06-11 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Dispute of XXXX XXXX XXXX Bridgecrest XXXX XXXX ( Account # XXXX ) Dear CFPB, I am submitting this formal complaint against Bridgecrest XXXX XXXX for failing to accurately report information related to my auto loan account for a XXXX XXXX Compass ( VIN : XXXX ), and for providing misleading communication regarding the resolution timeline of my previous inquiry. 

On XX/XX/XXXX, I received an email from a Bridgecrest representative advising that I had until XX/XX/XXXX to respond in order to keep the matter open. I replied the same day via email, yet Bridgecrest failed to respond and instead closed the matter prematurely on XX/XX/XXXX well before the stated deadline. This conduct demonstrates bad faith and a lack of due process. 

In addition, I recently received a letter from Bridgecrest dated XX/XX/XXXX, confirming that the account was charged off on XX/XX/XXXX. Despite this, Bridgecrest continues to report to the credit bureaus as if the account is newly charged off or active in XXXX, which is factually inaccurate and damaging to my credit. 

This misreporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits data furnishers from reporting information that they know or have reasonable cause to believe is inaccurate.

I respectfully request that the CFPB : XXXX. Investigate this matter thoroughly ; XXXX. Require Bridgecrest to correct the charge-off date to reflect XX/XX/XXXX ; XXXX. Direct Bridgecrest to update all relevant credit bureaus to indicate that this account was closed/charged off in XXXX not in XXXX ; XXXX. Require a written confirmation from Bridgecrest once these corrections have been made. 

Please find attached : A copy of Bridgecrests XX/XX/XXXX payoff letter showing the XXXX charge-off date ; A copy of the XX/XX/XXXX email from their representative stating I had until XX/XX/XXXX to respond ; My same-day email reply, which received no acknowledgment. 

Thank you for your time and assistance. I appreciate your support in correcting this injustice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2025, I mailed a check in the amount of {$9700.00}, payable to XXXX, for the account under my name ending in XXXX. The check contained the following details : Business Title on Check : Rocket Close, XXXX Escrow Account Date on Check : XX/XX/2025 Amount : {$9700.00} Routing # : XXXX Account # : XXXX Check # : XXXX After allowing sufficient time for processing, I contacted my closing company, Rocket Close, to confirm whether the check had been negotiated. They confirmed that the item was negotiated on XX/XX/2025 and provided proof of this transaction, which I am attaching to this message for your reference. 

I then contacted Macys Customer Service, and a case was opened : Case # XXXX. 

At this time, I am respectfully requesting that Macys ( Citi Bank XXXX XXXX ) either : Credit my account ending in XXXX for the amount of {$9700.00}, or Return the funds to my closing company so they may reissue the payment. 

It has now been a week since the check was received and successfully negotiated. If this matter is not resolved promptly, or if I do not receive confirmation that action is being taken on this case, I will be pursuing legal remedies. 



Thank you for your attention to this urgent 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 monetary relief
Consumer complaint received 2025-06-12 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I co-signed a retail installment contract with another party for the purchase of a XXXX  XXXX XXXX through XXXX XXXX. The contract was later assigned to Exeter Finance. I was listed as the co-buyer, not the primary borrower. 

Exeter Finance reported this account to the credit bureaus with several issues : 1. I never received proper notices directly to my address regarding the default, repossession, or sale of the vehicle, even though I was listed as liable on the account. All official communications were addressed to the primary borrower, not me.

2. The vehicle was repossessed and sold without my knowledge. I was not given a chance to cure the default or receive any formal notice about the sale or resulting deficiency balance.

3. The vehicle was sold for only {$1700.00} without any documentation of fair market value, auction method, or reasonable commercial sale practice. This raises UCC concerns regarding the manner of sale. 
4. Exeter later transferred the debt to XXXX XXXX XXXX, but I was not notified directly and in writing at my correct address, in violation of the FDCPA and FCRA. The transfer letter provided during my CFPB complaint response was dated XX/XX/XXXX, but not sent to my current residence. I only received it later as part of a complaint response, not in real time. 
5. I disputed this account and requested documentation multiple times. Exeter refused to provide anything beyond the original contract and a copy of the transfer letter. No itemized breakdown, no repossession documents, and no explanation of my co-buyer liability was ever provided. They also stated in writing that no additional documents would be provided. 
6. Exeter continues to report this tradeline inaccurately. The account is being reported as a charge-off under my name, with no indication that I was a co-buyer. The reported dates and balances are inconsistent with the documentation received.

7. In response to my complaint, Exeter claimed that the reporting was accurate and that I needed to contact XXXX. However, Exeter is still furnishing data to the credit bureaus and retains responsibility for accurate and complete reporting under the FCRA. 



Key Violations Include : FDCPA 809 ( a ) and ( b ) : Failure to notify and validate the debt directly to me within the required time frame.

FCRA 623 ( a ) ( 1 ) ( A ) : Reporting information with actual knowledge of errors.

FCRA 609 ( a ) : Failure to provide all information used to determine the debt amount and my liability. 
Unfair collection practices : Including misleading or incomplete communication and lack of clarity regarding my co-buyer status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
After reviewing my report, I found that the following accounts have been reported without legal justification, proper verification, or my authorization, which constitutes serious violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Auto Loan Accounts ( Unauthorized or Inaccurate ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( This account is closed, but still reporting inaccurately. This must be deleted immediately. ) I never authorized or validated these accounts. Reporting these debts without verified written consent or full legal validation is a direct violation of multiple federal laws : Legal Grounds for Immediate Action : 15 U.S.C. 1681c-2 ( Section 605B ) : Requires credit bureaus to block fraudulent accounts related to identity theft within 4 business days of receiving notice.

15 U.S.C. 1681s-2 ( b ) : Data furnishers must investigate and respond to disputes within 15 calendar days or the data must be deleted.

15 U.S.C. 1681i : Credit bureaus must reinvestigate disputed items within 30 days. Unverifiable data must be deleted immediately.

15 U.S.C. 1681e ( b ) : All information on credit reports must be accurate and complete.

15 U.S.C. 1666b : Creditors must follow proper billing practices ; otherwise, payment information ( like late notations ) can not be reported.

15 U.S.C. 1681n & 1681o : Civil liability and statutory damages apply when FCRA is violated up to {$1000.00} per violation, plus punitive damages and attorneys fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
I recently received a copy of my trans Union credit report and I noticed some late payment posted on my credit report. XXXX XXXX XXXX XXXX  Account # ( A ) In general-Subject to subsections ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I did not give you any written instruction to furnish this account on my credit report. 
Furthermore, the Fair Credit Reporting Act 15USC1681 ( 2 ) ( a ) ( i ) exclusions from a consumer report clearly states ( 2 ) Exclusions-except as provided in paragraph ( 3 ) the term. '' consumer report does not include, ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payment from my consumer report. this agency is in clear violation of 15USC1681. please forward any changes to above address via postal service.

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 2025-06-11 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: GA

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a Citibank account on XX/XX/XXXX. I recently deposited a check from my salary, and then my online bank was closed. They also said that I can not deposit money with my Citibank card. However, they deduct service fees every month, and the bank card is not allowed to be used normally, and the service fee continues to be deducted. What is the use of this card?

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 2025-06-11 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-11 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX for attempting to collect and reporting a debt before it was legally due. 

The original creditor, The XXXX XXXX ( under The XXXX XXXX ), gave me written notice on XX/XX/year> stating that I had XXXX  days to pay a balance of {$370.00} before the account would be forwarded to an outside collection agency. Despite this, XXXX XXXX began collection efforts and reported this debt to the credit bureaus before the XXXX period ended, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

They are attempting to collect a debt that was not yet valid or collectible at the time they took action. This has negatively impacted my credit report and caused undue harm. 

I am requesting that the CFPB investigate XXXX XXXX collection activity and credit reporting practices and direct them to delete the account from my credit report. 

Supporting documentation, including the creditors original letter and credit report records, is attached for reference.

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