vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
I am disputing an auto loan with Consumer Portfolio Services ( CPS ) related to a XXXX  XXXX XXXX that was sold in an unsafe and defective condition. A certified mechanic has advised the vehicle is not fit to drive.

I revoked acceptance of the vehicle and requested rescission of the contract. I sent a certified demand letter to the selling dealer, XXXX XXXX, and provided CPS with a Dealer Refusal Statement documenting that the dealer will not remedy the defects unless I pay additional money out of pocket.

Despite receiving this documentation, CPS has delayed resolution and has stated that I must either repair the unsafe vehicle at my own expense or remain responsible for the loan. I dispute this debt due to failure of consideration and an unsafe vehicle sale. 

I am requesting regulatory review of CPSs handling of this disputed loan. The loan is being enforced despite the underlying vehicle being sold in an unsafe and defective condition. A certified mechanic has advised the vehicle is not fit to drive. I revoked acceptance and requested rescission. The dealer refused to remedy the defects unless I paid additional money out of pocket. I provided CPS with a Dealer Refusal Statement and proof of certified notice. CPS continues to require me to repair the vehicle at my expense or remain responsible for the loan. This is a disputed loan due to failure of consideration and unsafe sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

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. 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: CL Holdings LLC
State: KY

Complaint narrative:
I have filed a dispute for a XXXX XXXX  charge that is not mine. I have sent over detailed information and contested the charges with XXXX  and XXXX. I have requested that they send me over the details of the XXXX charges and have yet to receive a response of fix the situation. Below is a screenshot of the organization that is saying this charge belongs to me. This is fraud and I have stated multiple times that this charge is not mine. Thanks XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
Please assess the attached documents ; the inquiries arrived without prior notice and may not be approved.

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 2025-12-26 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: IL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b governing the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions authorizing the collection, use, or disclosure of this information. This conduct constitutes a clear violation of the permissible purpose requirements under federal law, and I have formally disputed the items at issue.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: OH

Complaint narrative:
I am filing this complaint against LCI for the continued reporting and furnishing of inaccurate, unverifiable, and unlawfully reported bankruptcy information on my consumer credit reports.

LCI is furnishing a bankruptcy identified as Federal Case Reference XXXX / XXXX, allegedly sourced from the U.S. Bankruptcy Court in XXXX XXXX XXXX. Despite multiple written disputes submitted by me, LCI continues to publish this public-record information without providing verifiable documentation proving its accuracy, completeness, or lawful sourcing. 

The bankruptcy data furnished by LCI is materially defective and noncompliant in several ways, including : Missing or inconsistent court reference numbers Inconsistent or incomplete filing and closing dates No documentation demonstrating direct, certified sourcing from the court of record No evidence of a lawful or meaningful reinvestigation after dispute Under FCRA and XXXX XXXX / Credit Reporting Resource Guide ( CRRG ) standards, public-record bankruptcies may only be reported when sourced directly from the court and continuously verified for accuracy. LCI has failed to provide any certified court documentation or validation establishing that this standard has been met. 

By continuing to furnish this defective bankruptcy data, LCI is violating multiple consumer protection laws, including : FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i ( a ) Failure to conduct a proper and meaningful reinvestigation FCRA 1681s-2 ( a ) ( 1 ) Furnishing information known or that should be known to be inaccurate FTC Act ( 15 U.S.C. 45 ) Unfair and deceptive acts or practices LCI is also on notice that consumer data integrity has been compromised due to national data breaches, which further heightens its duty to verify public-record data before publishing it. Continuing to report a bankruptcy with missing core data fields under these conditions is reckless and unreasonable. 

This inaccurate reporting has caused ongoing harm to my credit profile, including credit score suppression, adverse lending decisions, and reputational damage. I should not be financially harmed due to LCIs failure to comply with federal law and industry reporting standards. 

The continued presence of this bankruptcy after repeated disputes demonstrates willful noncompliance, not a clerical or isolated error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-12-26 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: TN

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

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 2025-12-26 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: TN

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I have paid {$15000.00} beyond my required minimum payments ( during XXXX and throughout XXXX ). This additional money was earmarked as additional principal, but M & T keeps applying it, against my express wishes, to interest ( in order to collect additional money ). I have evidence of this in the form of the audit letter I requested and received on XX/XX/XXXX. When I called M & T on XX/XX/XXXX to discuss this error, the banker told me that their policy is to accept additional payments for principal only by mail and that I was out the extra {$15000.00} I have paid. I recorded this conversation for evidentiary purposes, should this matter escalate to a lawsuit. 

I want the money I paid for additional principal to go to additional principal. When I signed this contract, no one told me that this " only apply mail payments for additional principal '' policy existed. In fact, when I discussed the details of the loan before signing, I specifically asked if I could overpay in my monthly electronic payments and/or make extra electronic payments in order to get the principal down more quickly. ( I always pay off my debts sooner than the contractual maturity date. ) I am extremely frustrated by M & T 's lack of transparency, their dishonesty, and their unscrupulous practices. I would like to get this resolved amicably, rather than to resort to a lawsuit, but I am beginning to think this is not possible with this bank.

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
I set up a payment through the app. It should have drafted but didnt. It was never submitted to my bank. 
I dont have late fees I always pay on time They charged me a late fee and put it on the minimal due.

After dealing with them on the phone they was going to remove it from the account and the minimal.

They did not. They came back and added another fee because no one is following through with anything.

Im not going to pay these made up over inflated late fees that arent reasonable fees to start with.

Ive slowed them plenty of time to fix the issue they dont seem to think its important to me a long term customer to fix this in a timely manner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MI

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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: WA

Complaint narrative:
XXXX XX/XX/year>, I received an email stating that my account had been deactivated due to a violation of the terms and conditions. The email indicated that I could access my account to transfer my funds and sell any remaining XXXX or XXXX linked to the account. However, when I logged in, I was unable to link a new account to move my funds. XXXX days later, my email was removed, and my phone number was blocked from use. I attempted to contact customer service and sent messages through the app, as that was the only communication method available. I was repeatedly redirected without resolutionsupport advised me to use the app, but once the account was closed, I could no longer reach them. When I tried to inquire through another account, I was informed that I could not discuss the matter with support regarding a different account. Additionally, I requested the information or documentation regarding the alleged violation, but my request was refused. As a result, I have had no way to transfer my funds during the period of XX/XX/XXXX to XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
This information needs to be removed immediately it should not be reporting to my credit profile this is ridiculous, due to identity theft concerns and Equifax data breach Im requesting the information be removed and blocked immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: OH

Complaint narrative:
I have been a victim of multiple data breaches and I have become a victim of identity theft.

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 2025-12-26 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: IL

Complaint narrative:
I requested to have all negative items removed from my credit as I have with XXXX XXXX and my points to be replaced. On XX/XX/year> Experian hasnt honored fixing my report nor following the fair credit act as the other companies have by restoring my credit. XXXX XXXX account is closed and Im waiting on the letter of dispute to have the negative information removed, If XXXX XXXX had it removed I dont see why I have to request and send information that, they state the company reinsure them the information is accurate, to files they no longer have.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more XXXX  than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

Company response to consumer: Closed with non-monetary relief