vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, Nissan Motor Acceptance Company ( NMAC/Infiniti Financial Services ) repossessed my vehicle from my private driveway without prior written notice or any opportunity to cure default. 

When I contacted NMAC afterward, I was asked about my employment status and stated truthfully that I was currently unemployed. Based on that answer, I was told I did not qualify for any payment plan or reinstatement, even though my husband was fully willing and able to make payments on my behalf. I was informed that it doesnt matter, hes not the borrower, and that the vehicle would be sold at auction on XX/XX/XXXX if the entire remaining balance was not paid immediately. 

This statement was false and misleading. There is no legal restriction preventing a lender from accepting payment from a third party to cure or redeem a loan. NMACs refusal to do so forced me to pay off the loan in full. 

On XX/XX/year>, at XXXXXXXX XXXX., NMAC received a cashiers check for the full payoff amount, including repossession and towing fees, at its Loss Recovery address ( XXXX XXXX XXXX, XXXX TX XXXX ). The funds were guaranteed and cleared immediately. Despite that, NMAC failed to process or post the payment for over a week. 

Every attempt to obtain information was met with hour-long hold times, contradictory statements, and overt hostility. 
A representative named XXXX stated the payoff could be processed in XXXX hours or 10 days depending on my attitude. 
When I requested email confirmation or receipts, I was told thats internal. 
I was quoted XXXX different payoff totals ( {$10000.00} vs {$10000.00} ). 
When I mentioned having children and needing transportation, a rep said, You should have thought of that before you stopped making payments. 
Another rep mocked me for requesting Nissans phone number and hung up. 
I was instructed to use XXXX, then told the amount was too high, then told I should have made multiple payments. When I noted that a cashiers check is guaranteed, a rep replied, That was the choice you madejust like not making your payments. 

After NMAC finally confirmed receipt, it sent the release to the auction house instead of the towing company, further delaying return of my fully paid vehicle. I had to discover and correct this mistake myself. 

I was never provided a written Notice of Intent to Sell as required by Va. Code 8.9A-614. I was denied a reinstatement option, denied written proof of payment posting, and subjected to unprofessional, retaliatory conduct. 

I am requesting : 1. Written confirmation that my account is paid in full and closed in good standing ; 2. A formal written explanation for NMACs delays, misrepresentations, and refusal to communicate in writing ; and 3. Monetary compensation for the stress, time, and losses caused by NMACs improper handling of this repossession and payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit reports from the XXXX major credit bureaus Equifax ( EQ ) I believe these entries are inaccurate and need to be corrected. Below are the specific accounts I am disputing. 

Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit reports from the XXXX major credit bureaus : Equifax ( EQ ), XXXX  ( XXXX ), and XXXX  ( XXXX ). I believe these entries are inaccurate and need to be corrected. Below are the specific accounts I am disputing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MS

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-11-11 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 disputing the information reported by Experian regarding the accounts listed below. I believe that these entries are either incomplete, inaccurate, or outdated, and I request a thorough review of my credit report to resolve these issues. 

Charged Off Accounts : XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$8700.00} ) XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$29000.00} ) Inquiries : XXXX  ( Date of Inquiry : XX/XX/XXXX ) Positive Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX ) XXXX 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 2025-11-11 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
I.Q INTERNATIONAL SENT ME A LETTER ON XXXX XXXX STATING I OWE COLLECTION APARTMENTS {$23000.00} with interests. My original pay FROM THE COLLECTIONS APARTMENTS was {$21000.00} NINCLUDING ALL LATE CHARGES AND CLEANING FEES. They added interest which is not prohibiteD.Also, the letter the sent was not certified by mail and I was suppose to sign for this legal document and did not. 
I never received my lease agreement certified by mail and never signed for my lease agreement. I never received a wet signature from the debt collector and when trying to speak about unlawful debt with IQ INTERNATIONAL, THEY SAID MY DEBT WOULD BE {$23000.00} AND I HAVE THE LETTER TO PROOF THEY ADDED INTERESTS. AS STATED AND TRUE IN THE STATE OF GEORGIA FDCPA Section 808 ( 15 U.S.C. 1692f ) prohibits collection of any amount not expressly authorized by the agreement or permitted by law. IQ INTERNATIONAL UNLAWFULLY TRIED TO COLLECT MORE THAN OWED WHICH MAKES THE DEBT INVALID AND VOID. PLEASE CALL FOR ANY PROOF I RECEIVED IN THE MAIL FROM IQ INTERENATIONAL

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-11 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Good afternoon, On XX/XX/XXXX, I filed a complaint with the Department of fraud of Westlake Financial Services regarding the XXXX XXXX XXXX XXXX. The complaint was filed for misrepresentation of the vehicle because the car totaled in a previous accident before my purchase. 
Well that Westlake Financial double checked that, they financed the car over XXXX dollars with XXXX percent of interest for many months. 
They declined to assist me with my concern.

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

Complaint narrative:
The credit bureaus are reporting inaccurate and unverifiable information that does not belong to me. I have repeatedly disputed these items and requested verification of all accounts, inquiries, and addresses, including the original signed contracts bearing my wet signature as proof of authorization. 

Despite these lawful requests, the bureaus failed to provide any documentation verifying these accounts as legitimate, yet continue to report them. This is a violation of the Fair Credit Reporting Act ( FCRA ) 602 ( a ), 607 ( b ), 611 ( a ), and 611 ( a ) ( 5 ), as well as the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 8 ) and 809 ( b ). 

The Supreme Court has affirmed in XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) that due process requires verifiable accuracy and consumer disclosure of verification methods. 

I have also filed formal cease and desist and affidavit notices to the credit bureaus. The items remain unvalidated and are being willfully reported in violation of federal consumer law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
The credit bureaus are reporting inaccurate and unverifiable information that does not belong to me. I have repeatedly disputed these items and requested verification of all accounts, inquiries, and addresses, including the original signed contracts bearing my wet signature as proof of authorization. 

Despite these lawful requests, the bureaus failed to provide any documentation verifying these accounts as legitimate, yet continue to report them. This is a violation of the Fair Credit Reporting Act ( FCRA ) 602 ( a ), 607 ( b ), 611 ( a ), and 611 ( a ) ( 5 ), as well as the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 8 ) and 809 ( b ). 

The Supreme Court has affirmed in XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) that due process requires verifiable accuracy and consumer disclosure of verification methods. 

I have also filed formal cease and desist and affidavit notices to the credit bureaus. The items remain unvalidated and are being willfully reported in violation of federal consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute certain items that appear to be incorrect on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct these discrepancies. Below are the specific items that I am disputing : XXXX. XXXX XXXX Account ( Charge-Off ) Account Number : XXXX Status : Charge-Off Balance : {$2700.00} Credit Limit : {$2000.00} Discrepancy : The account is incorrectly listed as charge-off. As per Metro 2 Compliance Manual, charge-off accounts should show a {$0.00} balance if there are no further payments expected. The FCRA 607 ( b ) mandates that data must be reported with the highest degree of accuracy.

Late Payments : 3 ( 30 days ), 3 ( 60 days ), 8 ( 90+ days ) Request : Please verify the accuracy of this account and update or remove it in accordance with FCRA 611 ( a ) ( 1 ). If the information can not be verified, it must be deleted.

2. Hard Inquiry ( Inaccurate ) Discrepancy : There is a hard inquiry listed without any associated open account. Under FCRA 604, only authorized parties with permissible purposes can access your credit report. 
Request : Please investigate this inquiry and remove it if it was made without my consent or for an unauthorized purpose.

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 2025-11-11 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: DE

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 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 2025-11-11 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: TN

Complaint narrative:
I asked that all hard inquiries on my credit report be removed and i still see it and i asked that a car i sent back to the company is still on my credit report ive paid stuff of but there is still stuff on my credit report is still there

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 2025-11-11 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: TN

Complaint narrative:
I asked that all hard inquiries on my credit report be removed and i still see it and i asked that a car i sent back to the company is still on my credit report ive paid stuff of but there is still stuff on my credit report is still there

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 2025-11-11 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: CA

Complaint narrative:
I am writing to dispute the accuracy of the following information on my credit report from Equifax. I believe the accounts listed below contain errors or inaccuracies that need to be addressed. Please investigate and provide me with the results. 

Charged Off Accounts : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$390.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$870.00} Inquiries : XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payments : XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation