vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
On or around XX/XX/year>, Exeter Finance wrongfully repossessed my vehicle without providing legally required default notice, right to cure, or advance notice of repossession, as required under Alabama Code 7-9A-611. I received a Notice of Intent to Sell dated the same day the vehicle was taken, which violates Alabama state law and basic due process rights. 

In addition, Exeter Finance has : Posted inaccurate and incomplete contract documents to my online portal, showing a 0 % APR, when my signed contract states 28.95 % APR with a $ XXXX finance charge more than the vehicles price. This appears predatory and violates the Truth in Lending Act ( TILA ). 
Reported inconsistent and incorrect payment history to credit bureaus, with no payment applied to principal, and fluctuating amounts due. I dispute these under the Fair Credit Reporting Act ( FCRA ). 
Repeatedly quoted conflicting and inflated redemption amounts, ranging from ~ {$6000.00} to {$32000.00}, with no itemized breakdown. 
Ignored updated contact information and allegedly mailed notices to the wrong address, which I never received. 
Claimed the dealership is responsible for contract issues, but Exeter, as the finance company, holds legal responsibility for loan servicing and consumer protections. 
Failed to disclose GPS tracking of the vehicle at time of contract signing, raising serious privacy concerns. 
Caused me to lose a job opportunity due to the sudden and wrongful repossession, resulting in financial harm. 
Most importantly, I have a recording of an Exeter representative stating that all state have law but it doesnt succeed our contact and we own the vehicle to Exeter Finance and that state laws dont succeed our contract for a vehicle that we own. This is a false and deceptive legal claim. Exeter does not own the vehicle outright, and state laws absolutely apply to repossession and consumer finance practices. 

I have submitted a formal dispute letter to Exeter Finance demanding : Return of the vehicle Full contract documentation Credit correction Cease and desist on any sale/auction of the vehicle If this is not resolved immediately, I intend to take legal action and pursue all regulatory channels. Exeter Finance is violating TILA, FCRA, and Alabama consumer protection laws. The vehicle should not have been repossessed, and their business practices should be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one bank put me on a payment plan was taking payments out my bank account every month then they did a charge off in XX/XX/XXXX and were still XXXX  payments then my credit limit was {$5000.00}. As of XX/XX/XXXX they told me my balance was {$380.00} on that date I paid them in full XXXX my bank they have been reporting me late every month for the last XXXX  years and I want all the late payments removed please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: National Consumer Telecom & Utilities Exchange, Inc.
State: NC

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 ( XXXX  ) 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have never missed a payment, committed fraud, or violated the account terms. The account was in good standing, and I regularly monitored it. Despite this, the company closed the account suddenly and did not provide a clear explanation. 

I contacted customer service on XX/XX/XXXXXXXX XXXX  but they were unable to give me a valid reason for the closure. The closure has caused me inconvenience and may negatively impact my credit history. 

I request that Synchrony Bank provide : A clear written explanation of why the account was closed, Confirmation that my credit report will not be negatively affected, Reconsideration of reopening my 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 2025-09-23 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: MD

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 ( XXXX  ) 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSWORLD SYSTEMS INC
State: WV

Complaint narrative:
There is a false collection into my credit report. I have called the collection agency and they told me that my account was open on XXXX  by the electricity company but I have stayed at a different address and I didn't have electricity by that company.The collection agency is called Transworld Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Affirm Holdings, Inc
State: NM

Complaint narrative:
Collection accounts on my credit report appear to contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting that these accounts be reviewed, and if verification can not be provided, they must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I settled a credit card and they refuse to update my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
I asked Trans Union Experian and Equifax of the repossession that has been reported on my credit file in connection with the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information being reported. 

The repossession listed is inaccurate and must be investigated for the following reason : Failure to Validate Debt : To date, I have not received proper validation of this alleged repossession debt despite requests, which is required under the Fair Debt Collection Practices Act ( FDCPA ) if this account is being collected by a third party. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$9800.00} Balance updated XX/XX/XXXX In accordance with federal law, the credit bureaus is required to provide full documentation verifying the accuracy and legality of this repossession. 

Cease reporting this account if you can not fully substantiate its accuracy. 

Correct or remove any inaccurate information from my credit reports with all three credit reporting agencies ( Experian, Equifax, and TransUnion )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
I asked Trans Union Experian and Equifax of the repossession that has been reported on my credit file in connection with the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information being reported. 

The repossession listed is inaccurate and must be investigated for the following reason : Failure to Validate Debt : To date, I have not received proper validation of this alleged repossession debt despite requests, which is required under the Fair Debt Collection Practices Act ( FDCPA ) if this account is being collected by a third party. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$9800.00} Balance updated XX/XX/XXXX In accordance with federal law, the credit bureaus is required to provide full documentation verifying the accuracy and legality of this repossession. 

Cease reporting this account if you can not fully substantiate its accuracy. 

Correct or remove any inaccurate information from my credit reports with all three credit reporting agencies ( Experian, Equifax, and TransUnion )

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 2025-09-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Applications were made in my name without my knowledge or consent, resulting in fraudulent inquiries appearing on my credit report. I do not recognize these inquiries and never authorized any of these companies to access my credit information. This has directly harmed my XXXX XXXX and continues to cause unnecessary stress. I previously contacted the bureau, and a representative confirmed that these inquiries would be deleted, yet they still remain on 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 2025-09-23 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: SC

Complaint narrative:
The dates were opened on XX/XX/year> and the amount is 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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I recently reviewed my credit and noticed that is company is reporting an account that I've never had ownership of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, the information on my report must be accurate, complete, and verifiable. I am requesting verification of these late payments, and if they can not be validated, that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
On XX/XX/XXXX I changed homeowners insurance. My new insurance company has not been paid. As of XX/XX/scrub>XXXX  my old insurance is still active and Freedom mortgage has not yet updated the insurance and paid out the escrow. 

I had talked to them more than a week ago and they said they will get it done. There has been no action on their part so far.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive disputed and reached out to all of these accounts to resolve the issue, Ive asked for verification with no response. Here are the 4 accounts and balances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00}.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-23 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: CA

Complaint narrative:
I filed a dispute on Account number : XXXX, XXXX XXXX XXXX XXXX due to Experian not deleting this account off of my credit report }. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark to be removed or corrected immediately as it's affecting my chances of getting house, car, etc. Experian violates my rights as a consumer, as well as federal laws.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is very upsetting that inaccurate accounts are still listed on my credit reports and that they have not been removed as they should have been. I am pleading for a full and careful review of the documents Ive submitted so I can finally find peace of mind.

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 2025-09-23 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: FL

Complaint narrative:
On a prior date, the account ( XXXX  XXXX - XXXX ) was permanently deleted from my credit report as the result of a formal dispute and an official report issued by the FTC ( FTC Report XXXX ), which confirmed that the account was reported without my authorization or consent. 
Recently, this same account was unlawfully reinserted into my credit file. The credit reporting agency Equifax stated only that the account was verified, without providing any documentary evidence or the written certification required from the data furnisher, which constitutes a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 
Under the FCRA, verified is not a legally sufficient basis for reinserting information unless it is accompanied by : A written certification from the data furnisher confirming the accuracy and completeness of the information ; and Written notice to the consumer within XXXX ( XXXX ) business days of the reinsertion, as required by FCRA 611 ( d ).

No such certification or notice was provided. This also violates FCRA 605B, which mandates the blocking of identity theft-related information within four ( 4 ) business days after receipt of an official FTC Identity Theft Report, and FCRA 623 ( a ) ( XXXX  ), which requires furnishers to update or correct previously disputed information. 
The reinsertion occurred without any permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ), as I never authorized the account, its reporting, or the disclosure of my non-public personal information. 
This unlawful action has caused measurable and documented harm, including : A significant decrease in my credit score. 


The disruption of a pending mortgage application. 


Financial and reputational damage to my credit profile. 


I have made multiple good-faith attempts to resolve this matter directly with the credit reporting XXXX XXXX but they have failed to comply with their legal obligations. This is a clear case of willful noncompliance with the FCRA, making the responsible parties subject to statutory and actual damages under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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 extremely distressed to see that inaccurate accounts continue to remain on my credit reports, even though they should have been removed. I am begging you to carefully review the documents Ive attached so that I can finally put an end to this constant worry.

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