vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: Credit Control, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of an account that has been added to my credit report. The following account does not belong to me and is being reported in error : XXXX XXXX : Credit Control LLC Account XXXX : XXXX  Reported Amount : {$1100.00} Status : Derogatory Date Reported : XX/XX/year> Remarks : Placed for collection Address Listed : XXXX XXXX  XXXX XXXX XXXX, XXXX, MO XXXX Phone : XXXX XXXX XXXX XXXX I am requesting an immediate investigation into this account, as I have no knowledge of this debt, have never held an account with Credit Control LLC, and did not XXXX XXXX such account to be opened in my name. This account appears to be the result of erroneous reporting or possible identity confusion.

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 2025-11-19 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: AZ

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 non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: AZ

Complaint narrative:
I wrote carmax auto finance through certified letter and fax regarding a dispute I had regarding a settlement, below Re : Breach of Settlement Agreement Loan Account Ending XXXX, XXXX XXXX ( the " Vehicle '' ) To Whom It May Concern, I am writing to formally dispute CarMax Auto Finances recent actions concerning my auto finance account referenced above. This matter involves a written settlement agreement that CarMax Auto Finance and I executed in good faith.

Settlement Terms The agreement provided that my account would be settled in full once CarMax Auto Finance received {$28000.00}. I was further advised that if any balance remained after application of insurance or GAP proceeds, that remaining amount could be settled in accordance with the agreement.

Payments Made After the Settlement Agreement Was Made - XXXX XXXX XXXX XXXX paid {$22000.00}. 
- I personally paid {$5200.00}. 
- These payments left a remaining settlement balance of {$1300.00}. 
CarMaxs Subsequent Actions Despite these payments and the terms of the written settlement, CarMax Auto Finance : - Voided the settlement without contractual basis, citing an unrelated accident not addressed in the agreement.

- Re-imposed interest and demanded payment of the full loan balance.

- Removed a charge-off alert from my credit after advising it would still report as a charge-off, stating the removal was only on CarMaxs internal system so GAP coverage could take effect.

- Denied me the ability to resolve the account under the original settlement terms.

Breach of Agreement The written settlement contract does not authorize nullification due to an accident, nor does it permit reinstating interest or revoking settlement terms once agreed. These actions constitute a clear breach of contract and have caused both financial and credit-related harm.

Demand for Resolution Accordingly, I respectfully demand that CarMax Auto Finance : 1. Immediately enforce the original written settlement agreement.

2. Apply all GAP and insurance proceeds as agreed.

3. Accept {$1300.00} as the final settlement amount with no additional interest or charges.

4. Provide written confirmation that the account is settled in full and closed.

If this matter is not resolved within 30 days, I will have no choice but to escalate my dispute by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and other appropriate regulatory bodies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MS

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 2025-11-19 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
First Advantage, a consumer reporting agency, disseminated a background check report to XXXX, a prospective employer, on XX/XX/year>, which included a criminal conviction from XXXX XXXX. This conviction was subject to an order of expungement, legally effective on XX/XX/year>. The reporting of this expunged record is contended to be in contravention of applicable expungement statutes, specifically N.J.S.A. 2C:52-1 et seq., which mandates that once an expungement order is granted, the arrest, conviction, and any proceedings related thereto are deemed not to have occurred. Consequently, the inclusion of this expunged information in a background check report after the effective date of expungement may constitute an impermissible disclosure of sealed records and could potentially violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., particularly concerning the accuracy and permissible scope of information reported by consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no knowledge of obtaining any of the accounts listed here.The bureau did not fix the fraudulent Items. Delete all fraudulent items affecting my 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 2025-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Meritize Financial Inc.
State: IN

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that Meritize has failed to validate the alleged debt associated with my XXXX ( XXXX XXXX XXXX XXXX loan , despite my timely written dispute submitted on XX/XX/year>. 

XXXX. Refusal to Validate the Debt During a phone call on XX/XX/year>, Meritize representatives stated that Meritize will not conduct an investigation, will continue to collect regardless of the dispute, and that I must get the school to issue a refund.

This response violates the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), which requires a debt to be validated before any further collection activity can legally continue.

2. Unauthorized Forbearance Placed on My Account Meritize also placed my account into forbearance without my authorization immediately after receiving my dispute. This action is improper, and it appears to be an attempt to avoid fulfilling the legal requirement to validate the debt. 
Placing an account in forbearance does not replace the obligation to investigate and validate a disputed debt. 

3. Clear Contract Termination The underlying service contract with XXXX is legally terminated under Section 11 ( a ) of the Service Agreement due to : material breach, failure to cure after written notice, and non-response within the required 30-day cure window. 

This termination renders the associated loan invalid.

4. Required Actions Under Federal Law You are required to : Cease all collection activity immediately, including billing, interest, and fees. 
XXXX this account as disputed in your internal records and with all credit bureaus. 
Provide full debt validation, including proof of services rendered by XXXX XXXX 
Provide written confirmation that the unauthorized forbearance has been removed. 
Provide written confirmation that no negative credit reporting will occur while this dispute remains unresolved. 

Failure to comply will result in continued escalation with the Consumer Financial Protection Bureau ( CFPB ) and may constitute legal grounds for damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
Synchrony Bank closed my CareCredit account and the adverse action letter stated that I was a high risk of failure to pay. However, in the response to my initial CFPB complaint, Synchrony representative XXXX XXXX stated that the account was closed due to activity on your account. These XXXX explanations contradict each other. 

I asked for clarification of what specific activity occurred, and Synchrony did not provide any details. Instead, XXXX XXXX stated that Synchrony can close my account at any time. While I understand that a creditor may close an account, this does NOT replace the requirement to provide an accurate and specific reason when issuing an adverse action letter under the FCRA. 

My credit profile is clean : no late payments, no high utilization, no new accounts, and no score drop. My only activity was a few small purchases under {$200.00} on a {$20000.00} limit with autopay. Synchrony has still not identified the activity they are referring to, nor the date ( XXXX ) of such activity. 

I am requesting CFPB assistance to require Synchrony to : ( XXXX ) identify the specific activity referenced, ( XXXX ) provide the date ( XXXX ) of this alleged activity, and ( XXXX ) clarify whether the closure was based on an internal behavioral risk model rather than my actual credit history. 

Without this information, I can not determine whether the adverse action was issued lawfully or accurately.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Card was applied for and approved on XX/XX/XXXX and I was given a 5-7 day timeframe for receiving this card. As of today, I still have not received a card. Company claims mail was returned and claims that XXXX would not deliver to any branch even though I live close to 2 of them. The company can not provide a time frame or a solution at this time. I applied for this for business needs and I am effectively being denied use of a much needed line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TN

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 2025-11-19 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: MN

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 2025-11-19 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: MN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation