vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$16000.00} XXXX CARD Account Number : XXXX Date : XX/XX/XXXX Balance : {$9400.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/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 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
Subject : Wrongful Repossession, Broken Payment Arrangement, and Failure to Accommodate Economic Hardship Company : First Investors Finance Product : Auto Loan Issue : Improper repossession / Agreement violated / Hardship ignored Complaint : I am filing a complaint regarding what I believe to be an improper and unfair repossession of my vehicle by my auto lender.

I have had this vehicle for approximately three years, and throughout the loan I have consistently caught up whenever I fell behind. At the time of the repossession, my past-due balance was approximately {$1400.00}, and I had already discussed a plan with the lenders collector to bring the account current in the upcoming weeks. 

I clearly communicated to the lender that : I was experiencing significant economic hardship, I had recently gone three months without pay, I would be receiving income soon and would catch up as agreed, The collector I spoke with acknowledged this and did not indicate that repossession was imminent, No clear written warning or final notice was sent to me stating that the vehicle would be taken despite our arrangement. 


Despite this, the lender repossessed my vehicle without honoring the payment arrangement, and without reasonably accommodating the documented hardship I had communicated. This feels deceptive, unfair, and inconsistent with the agreement made with their collector.

I am requesting the following : 1. A full investigation into whether the lender violated fair servicing practices by repossessing the vehicle after agreeing to a catch-up arrangement.

2. A detailed accounting of all payments, fees, and notices, including proof of all required pre- and post-repossession notices.

3. A review of whether their actions align with federal servicing standards regarding economic hardship communication and good-faith resolution.

4. Reinstatement of my loan and return of my vehicle based on the agreement that was in place and my communicated intent and ability to cure the past-due amount.

I believe the repossession was premature, inconsistent with the agreement I made, and ignored my documented hardship. I am requesting that the CFPB require the lender to respond formally and provide a fair remedy. 

Thank you for your attention to 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 2025-11-14 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: TX

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I am filing a complaint regarding my XXXX Bank credit card account related to a fencing purchase made in XX/XX/XXXX. 

I used the Synchrony XXXX card to finance a fencing project that totaled {$7200.00}. Due to weather delays, the project was not completed for several months, and my first bill did not arrive until XX/XX/XXXX. It was my understanding that the promotional period began at that time, and I was told by a XXXX representative that as long as I made the required monthly payments, the promotional balance would be paid off before the promotion ended. 

I never received the physical credit card because Synchrony had the wrong address on file. As a result, I could not create an online account or monitor the balance, since the system requires the physical card number. I relied on the statements sent to my email, but I did not receive any warning that the promotional period was ending or that deferred interest would be applied. 

In XX/XX/XXXX, I reviewed XXXX of the emailed statements and discovered that my balance had suddenly increased from {$6100.00} to {$11000.00} due to deferred interest. This more than doubled my balance with no prior notice. 

When I contacted Synchrony to resolve this, they first required me to update my address and order a replacement card before they would even discuss the issue. I was told to call back in XXXX hours on a weekday. By the time the address/card issue was corrected and I was able to speak with someone about the balance increase, they claimed the XXXX window to dispute the charges had already passed. 

I explained that I was never properly notified due to XXXX address error, and that I had no ability to access my account online for over a year. I also stated that I am more than willing to pay the original balance of {$6100.00} plus reasonable interest. However, I can not pay nearly {$12000.00} at a 28.99 % interest rate, especially when the situation resulted from XXXX error and lack of notification. 

Synchrony refused to offer any assistance, adjustment, or negotiation, and declined to acknowledge that their address mistake prevented me from receiving required disclosures. 

I am requesting that the CFPB assist in having Synchrony review this account, remove or reduce the deferred interest, and work with me on a fair resolution closer to the original amount owed.

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 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: NC

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau I am filing a complaint regarding inaccurate and misleading reporting by CarMax Auto Finance related to a vehicle loan from 2021. 

The vehicle financed under this loan was * * totaled in an accident * *, and my * * insurance company paid the remaining balance in full * *. Despite that, CarMax Auto Finance later reported the account as a * * repossession * * and ultimately * * charged it off * *, which is factually incorrect and has caused significant damage to my credit profile. 

To be clear : * The vehicle was never repossessed. 
* I did not default or surrender the vehicle. 
* The loan should have been closed as paid by insurance or paid/settled, not a repossession or charge-off. 
* The negative reporting is materially false and continues to harm my credit standing. 

I have attempted to dispute this directly with the credit bureaus, but the inaccurate reporting has not been corrected. I am requesting that the CFPB investigate CarMax XXXX XXXX handling and reporting of this account and require them to accurately update the tradeline, remove the incorrect repossession notation, and remove any associated charge-off notation that should not apply. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: MI

Complaint narrative:
TrueAccord is reporting a {$0.00} XXXX XXXX XXXX collection to XXXX and has failed to provide ANY required documentation after more than 60 days since I disputed it. Under the FDCPA, once a collection is disputed, they must send proper validation before continuing to report or collect. That validation must include the original XXXX XXXX XXXX agreement, billing statements, payment history, proof of default, and the chain of assignment showing TrueAccord legally owns or manages the debt. 
TrueAccord is well-known for reporting debts without proper validation and for failing to supply legal documentation when requested and that is exactly what has happened here. Reporting an unverifiable {$0.00} collection violates FCRA 623, FCRA 607 ( b ), FDCPA 809 ( b ), and XXXX data accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AL

Complaint narrative:
I am writing to dispute several items on my Experian credit report. Please investigate the following accounts and ensure they are accurately reported. 

Charged Off Accounts : No charged-off accounts are currently listed for Experian. 

Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX Late Payments : XXXX XXXXXXXX - Account : XXXX XXXX - Account : XXXX XXXX - Account : XXXXXXXX XXXX - Account : XXXXXXXX XXXX - Account : 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the following accounts on my Experian credit report as they contain inaccurate, incomplete, or unverifiable information. I request that these items be reviewed, corrected, and removed if necessary, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$290.00} Issue : This account is inaccurately reported. I request that Experian verify this information and, if not validated, delete it from my credit file. 

XXXX XXXX BANK XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Late Payment XXXXXXXX XXXX Account Number : XXXXXXXX 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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ECMC GROUP, INC.
State: CO

Complaint narrative:
XXXX is reporting a {$1500.00} collection on account XXXX. I disputed this account, and XXXX failed to provide any of the required verification. Under the FCRA, they must produce the real documentation that supports the debt : the payment history, billing records, the exact delinquency timeline, and proof they have the legal right to collect. They didnt provide any of that. They also reported inconsistent balances ( {$1500.00} vs. {$1500.00} ), which violates FCRA 623 ( a ) ( 1 ) for furnishing inaccurate information. Because XXXX and the CRAs can not verify the debt with actual evidence, the FCRA requires it to 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 2025-11-14 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: PA

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint regarding the following accounts and inquiries on my credit report. These accounts contain errors or inaccuracies that I am disputing, and I respectfully request that they be investigated and corrected. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX furnished this account to my credit report without ever providing me the legally required initial communication or validation notice. Under FDCPA 15 USC 1692g, a collector must send written notice within XXXX days of first contact, which includes the amount owed, the name of the original creditor, and my right to request validation. I received no notice at all before this appeared on my credit report. 

I was not informed that the debt had been sold, transferred, or assigned. I was not given my XXXX window to dispute. They went straight to credit reporting without legally required communication. That violates FDCPA 1692g and FCRA 1681s-2 ( a ). 

The companys own response admits this is the first time I have reached out, which proves they never contacted me, sent notice, or allowed me to dispute. Reporting a debt prior to consumer notice also violates XXXX XXXX guidelines for permissible furnishing and data accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$4400.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$3800.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2300.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$4600.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2200.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$3800.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$4700.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$1100.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX  Account Number : 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 2025-11-14 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: FL

Complaint narrative:
Subject : TransUnion Mixed File, Illegal Reinsertion, and New Fraudulent Accounts Added WHAT HAPPENED On XX/XX/year>, I discovered that TransUnion added new inaccurate accounts to my credit report and also reinserted a previously deleted account without notice, in direct violation of FCRA requirements. 

XXXX. New Fraudulent Account Added XXXX XXXX XXXX XXXX XXXX TransUnion added the following account that does not belong to me : XXXX XXXX XXXX XXXX XXXX Credit Card XXXX opened ( per TransUnion ) : XX/XX/year> Balance : {$340.00} Status : Collection This account was never reported on my file previously and suddenly appeared despite my identity theft filing and FTC report. 

XXXX. Illegal Reinsertion XXXX XXXX Bank ( Deleted Twice, Reinserted Twice ) The XXXX XXXX Bank account was : Deleted twice by TransUnion during prior investigations Reinserted twice, most recently as of XX/XX/year> No reinsertion notice was sent to me as required by FCRA 611 ( a ) ( 5 ) ( B ) ( i ) and 611 ( a ) ( 5 ) ( B ) ( ii ) This demonstrates a pattern of illegal reinsertion and failure to maintain proper reinvestigation procedures.

3. Ongoing Mixed File / ID Theft Contamination I have already filed : An FTC Identity Theft Report, and A Supplemental Addendum identifying these accounts as fraudulent TransUnion continues to add new accounts not belonging to me, showing ongoing mixed file contamination and failure to maintain accuracy per : FCRA 607 ( b ) Maximum possible accuracy FCRA 602 Reasonable procedures FCRA 611 ( a ) Reasonable reinvestigation FCRA 605B Failure to block identity theft information These inaccurate accounts are causing significant XXXX score damage and preventing me from securing transportation and credit. 

CFPB XXXX Complaints # : 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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: WI

Complaint narrative:
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. 
CREDIT CORP SOLUTIONS Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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