vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
I am filing this complaint because the company furnishing data to the credit bureaus is reporting inaccurate, incomplete, and unverifiable information regarding an auto loan with CNS PORT SVC. This account contains multiple Fair Credit Reporting Act ( FCRA ) violations and must be corrected or deleted.

1. Conflicting and inaccurate creditor remarks The account simultaneously reports profit and loss write-off and purchased by another lender.

These are contradictory statuses and violate FCRA 607 ( b ) ( maximum accuracy requirement ).

The remarks are duplicated and inconsistent.

2. Unverifiable payment history Every month displays the word Warning, which means payment history is missing, corrupted, or incomplete.

There is no actual historical record.

This violates FCRA 611 because unverifiable data must be deleted.

3. Improper reporting after sale or transfer The account states that it was purchased by another lender, yet the original furnisher continues to report a charge-off, derogatory payment history, and late payments.

Once sold, the original creditor must update all fields accordingly under FCRA 623 ( a ) ( 2 ).

4. Missing or incorrect Date of First Delinquency ( DOFD ) The account does not report the DOFD even though it shows a last payment date of XX/XX/year>. 
This violates FCRA 623 ( a ) ( 5 ). DOFD is required for correct reporting periods and aging of the derogatory mark.

5. Co-signer permissible purpose issue I was a co-signer. The furnisher has not verified any of the legally required documents showing permissible purpose under FCRA 604 ( a ) ( 3 ), including : My signed co-signer contract The original credit application Proof of my liability agreement If they can not provide these documents, they have no legal right to report this account on my file.

6. Incomplete and misleading reporting The account shows a {$0.00} balance but still reports derogatory updates, late payments, and a charge-off status. The account also shows missing monthly payment information and duplicate remarks.

Reporting incomplete, outdated, or inconsistent data violates FCRA 607 ( a ).

I am requesting that the CFPB require the data furnisher and the credit bureaus to conduct a full manual investigation and provide verifiable documentation supporting this account. If the company can not supply complete and accurate documentation for all the items listed above, I request immediate deletion of the account from all three credit bureaus.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-12-03 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: CIG FINANCIAL LLC
State: NC

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and relevant federal laws, including 15 U.S.C. 1666b, 15 U.S.C. 1681a ( 2 ) ( i ), and 15 U.S.C. 6802, I am writing to formally dispute inaccurate information on my credit reports. 
My records indicate that my account reflects XXXX late payments with XXXX XXXX late payments with XXXX, and XXXX late payments with XXXX. I have never been late on any of these payments. I request that these incorrect late payments be removed immediately and that my account be updated to reflect its true, current status in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I am submitting this seventh follow-up complaint regarding the repeated reporting of inaccurate and unverifiable accounts on my credit reports with Experian, Equifax, and TransUnion. Despite my prior disputes and requests for removal, these accounts continue to appear on my credit reports, negatively impacting my creditworthiness and causing undue stress. I am requesting the immediate removal of these accounts under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 

The first account in dispute is XXXX XXXX * * * * * * * *, reported as XXXX XXXX : {$0.00} in Experian and TransUnion. I previously submitted multiple disputes regarding this account, but it continues to appear inaccurately on my credit reports. The continued reporting of this account is unverifiable, misleading, and damaging, and therefore I am formally requesting that it be permanently removed from all bureaus. 

The second account is XXXX XXXX XXXX * * * * * * * *, reported as Balance Owed : {$43000.00} in Experian, Equifax, and TransUnion. Despite numerous prior complaints and disputes, this account remains listed and continues to negatively affect my credit profile. The information provided is inconsistent and can not be substantiated. Under the FCRA, unverifiable information must be removed, and I am requesting its immediate removal from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I am submitting this seventh follow-up complaint regarding the repeated reporting of inaccurate and unverifiable accounts on my credit reports with Experian, Equifax, and TransUnion. Despite my prior disputes and requests for removal, these accounts continue to appear on my credit reports, negatively impacting my creditworthiness and causing undue stress. I am requesting the immediate removal of these accounts under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 

The first account in dispute is XXXX XXXX * * * * * * * *, reported as XXXX XXXX : {$0.00} in Experian and TransUnion. I previously submitted multiple disputes regarding this account, but it continues to appear inaccurately on my credit reports. The continued reporting of this account is unverifiable, misleading, and damaging, and therefore I am formally requesting that it be permanently removed from all bureaus. 

The second account is XXXX XXXX XXXX * * * * * * * *, reported as Balance Owed : {$43000.00} in Experian, Equifax, and TransUnion. Despite numerous prior complaints and disputes, this account remains listed and continues to negatively affect my credit profile. The information provided is inconsistent and can not be substantiated. Under the FCRA, unverifiable information must be removed, and I am requesting its immediate removal from all three credit reports.

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 2025-12-03 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-03 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:
Debt resulted from XXXX XXXX-related coercion and exploitation. This account was opened or used when I was under threats, control, or duress, and does not reflect my independent financial actions. 
XXXX XXXX XXXX XXXX, Account Number XXXX, Account Opened XX/XX/XXXX. 

XXXX XXXX XXXX, Account Number XXXX, Account Opened XX/XX/XXXX. 

XXXX XXXX, Account Number XXXX, Account Opened XX/XX/XXXX. 

XXXX XXXX XXXX, Account Number XXXX, Account Opened XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX, Account Number XXXX, Account Opened XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX, Account Number XXXX, Account Opened XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX XXXX, Account Number XXXX, Account Opened XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX, Account Number XXXX, Account Opened XX/XX/XXXX. 
. 
Send response to 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiry as reported. The aforementioned accounts, collections, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiry are the result of identity theft and fraud.

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 2025-12-03 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: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 non-monetary relief
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX : {$1900.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} Inquiries : I am disputing the following inquiries on my Experian credit report : XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX Late Payments : I am disputing the following late payment on my Experian credit report : XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX  - Account No. 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have no association with this account, and its being reported incorrectly.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I don't know what happened I was using the card then I received and email or text saying they was closing my account but gave no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
In XX/XX/XXXX, a single auto loan payment that was due in the amount of {$390.00} was reported as late by TD Auto Finance. This was the only late payment on the account since the loan was opened in XX/XX/XXXX, and all payments before this incident have been made on time. 

The late payment occurred during a temporary family medical and financial hardship. A co-borrower on the account suffered a significant loss of vision as the result of a serious automobile accident, requiring frequent travel for specialized medical care and ongoing coordination with insurance and legal providers related to the at-fault party. At the same time, I was enrolled full-time in a graduate program out of state, which limited my ability to work during the academic year. These combined circumstances caused an unexpected disruption in the normal payment process. 

Once the missed payment was identified, the account was brought current immediately, and no further delinquencies have occurred. Steps were also taken to ensure this does not happen again through payment reminders and/or automated payments. 

Despite more than XXXX years of perfect on-time payment history, TD Auto Finance continues to report this single late payment to the credit bureaus. This negative mark is now impacting my ability to qualify for housing applications planned for XXXX XXXX. 

I have submitted a formal goodwill request to TD Auto Finance asking for removal of this isolated late payment as a courtesy, based on : The documented medical hardship involved Immediate correction of the account Long-standing positive payment history At this time, I am requesting assistance to ensure that TD Auto Finance fairly reviews this request and responds appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
CREDIT BUREAU DISPUTE LETTER ( UNAUTHORIZED ACCESS / NO PERMISSIBLE PURPOSE ) Your Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, ZIP : XXXX, CA XXXX Date of Birth ( optional ) : XX/XX/year> Last 4 digits of SSN : XXXX Date XXXX XXXX To : Credit Reporting Agency ( Equifax  / XXXX  XXXX TransUnion ) RE : FORMAL DISPUTE UNAUTHORIZED CREDIT INQUIRY / ACCOUNT FCRA VIOLATION NO PERMISSIBLE PURPOSE IMMEDIATE REMOVAL DEMANDED To Whom It May Concern, I am writing to formally dispute inaccurate and unlawful information appearing on my consumer credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

An account and/or inquiry from : Company Name : XXXX INACCURATE INFORMATION is being reported without my written authorization, written consent, or lawful permissible purpose.

NOTICE OF LEGAL VIOLATION Under 15 U.S.C. 1681b ( Permissible Purpose ), a company may not access or furnish my consumer credit report without a valid purpose.

Under 15 U.S.C. 1681q, illegal access of a credit report under false pretenses may result in federal penalties.

Under 15 U.S.C. 1681n / 1681o, I am entitled to damages for willful or negligent violations of the FCRA.

At no time did I authorize this company to obtain or report my credit information.

FORMAL DEMAND I am demanding the following actions under FCRA 611 : 1. Immediate deletion of this inquiry or account.

2. Written proof of permissible purpose including : Original signed authorization Contract or application Timestamped access logs 3. Written confirmation of deletion sent to my address.

4. An updated credit report once corrected.

If you can not verify this item with legal documentation, it must be removed.

DEADLINE Under federal law, you are required to complete your investigation within 30 days.

Failure to remove unverified information constitutes a continued violation of federal credit law.

I am documenting this correspondence and preparing complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney General Civil Claims Court ( if necessary ) CERTIFICATION I certify that this dispute is accurate under penalty of perjury. 

Printed Name : XXXX XXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief