vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI

Complaint narrative:
Nissan Motor Acceptance CorpXXXX ( NMAC ), the original creditor, sold my auto loan account to a third-party debt buyer, NCB Management Services , Inc . Following the sale, NCB notified all major credit reporting bureaus ( XXXX XXXX and XXXX  ) and requested the tradeline be deleted. 

Despite this, Nissan Motor Acceptance continues to report the account as " Closed '' with a balance of {$0.00}, but is still furnishing monthly updates indicating that the account is Charged Off. This reporting is misleading and inaccurate under the Fair Credit Reporting Act ( FCRA ), as Nissan no longer owns or services the account and therefore has no permissible purpose to continue furnishing monthly updates.

I also sent a written cease-and-desist notice to Nissan Motor Acceptance, requesting that the tradeline be properly updated or removed. Nissan refused to do so, and the inaccurate reporting continues to harm my credit standing.

This reporting is false and misleading for the following reasons : The account was sold, not simply closed, yet the status is marked Closed instead of Transferred/Sold.

Nissan has no ongoing creditor-debtor relationship and should not be submitting monthly charge-off updates.

This violates FCRA 1681s-2 ( a ) and ( b ), which require accurate reporting and correction after notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.

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 2025-07-11 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.

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 2025-07-11 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : 1. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # : XXXX Amount {$210.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 

I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as my FTC report. 

Please ensure that these documents are taken into account during your investigation. 

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past XXXX months. I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: First Technology Federal Credit Union
State: FL

Complaint narrative:
To : FirstXXXX Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Subject : Formal Complaint and Request for Immediate Resolution Application # XXXX and # XXXX Dear FirstXXXX Federal Credit Union, I am writing to express my serious concern and dissatisfaction regarding the prolonged delay and lack of communication concerning my applications for a personal loan ( Application # XXXX ) submitted on XX/XX/year>, and a XXXX XXXX XXXX XXXX XXXXXXXX ( Application # XXXX ) submitted on XX/XX/year>. 

Both applications were conditionally approved, pending the submission of required documentation and successful live verification. I promptly submitted all requested documentsincluding my current W-2, XXXX most recent pay stubs, and a copy of my drivers licenseby XX/XX/year>. Since then, I have not received any updates or decisions from your team, despite placing follow-up calls at the end of XXXX and sending an email inquiry on XX/XX/year>. To date ( XX/XX/year> ), I have received no response. 

This lack of responsiveness is unacceptable. I have never experienced such delays in processing a loan or credit card applicationespecially after full documentation has been submitted. As a prospective customer, I expected a higher level of professionalism and customer care. 

At this time, I am formally requesting : A detailed update on the current status of both applications. 
A final decision regarding the approval and funding ( or denial ) of the loan and credit card. 
Confirmation that no negative credit inquiries or holds have resulted from these unresolved applications. 
I am eager to resolve this matter amicably and move forward, ideally by continuing my relationship with FirstXXXX Federal Credit Union. However, if I do not receive a substantive response within XXXX ( XXXX ) business days, I will be compelled to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant oversight authorities. 

Please treat this matter with the urgency it deserves. I have attached copies of all supporting documentation for your reference. 

Sincerely, 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 2025-07-11 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: OH

Complaint narrative:
I am submitting a formal complaint regarding an auto loan account reported on my credit file by XXXXXXXX XXXX which I did not authorize or open. This account is the result of identity theft, and I have submitted supporting documentation including : A Federal Trade Commission ( FTC ) Identity Theft Report A police report filed with local law enforcement Written disputes sent to XXXXXXXX XXXX and Experian pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 The fraudulent account is listed as follows : Creditor : XXXXXXXX XXXX  Account Number : XXXX Original Balance : {$38000.00} Date Opened : XX/XX/XXXX Status : Paid, Closed with XXXX late payments Comments : Redeemed Repossession This entry is having a substantial negative impact on my credit score and reputation. Under FCRA Section 605B, consumer reporting agencies are required to block fraudulent information from credit files within four business days of receiving an identity theft report and supporting documentation. 

XXXX XXXX XXXX continued furnishing of derogatory information to credit bureaus may violate 15 U.S.C. 1681s-2 ( a ), which prohibits reporting of information known to be inaccurate. Their inaction after being properly notified is also grounds for liability under 15 U.S.C. 1681n, as described in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 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 2025-07-11 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: OH

Complaint narrative:
I am submitting a formal complaint regarding an auto loan account reported on my credit file by XXXXXXXX XXXX which I did not authorize or open. This account is the result of identity theft, and I have submitted supporting documentation including : A Federal Trade Commission ( FTC ) Identity Theft Report A police report filed with local law enforcement Written disputes sent to XXXXXXXX XXXX and XXXX  pursuant to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX The fraudulent account is listed as follows : Creditor : XXXXXXXX XXXX Account Number : XXXX Original Balance : {$38000.00} Date Opened : XX/XX/XXXX Status : Paid, Closed with four late payments Comments : Redeemed Repossession This entry is having a substantial negative impact on my credit score and reputation. Under FCRA Section 605B, consumer reporting agencies are required to block fraudulent information from credit files within four business days of receiving an identity theft report and supporting documentation. 

XXXXXXXX XXXX XXXX XXXXontinued furnishing of derogatory information to credit bureaus may violate 15 U.S.C. 1681s-2 ( a ), which prohibits reporting of information known to be inaccurate. Their inaction after being properly notified is also grounds for liability under 15 U.S.C. 1681n, as described in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
I am submitting a formal complaint regarding an auto loan account reported on my credit file by XXXXXXXX XXXX  which I did not authorize or open. This account is the result of identity theft, and I have submitted supporting documentation including : A Federal Trade Commission ( FTC ) Identity Theft Report A police report filed with local law enforcement Written disputes sent to XXXXXXXX XXXX and XXXX pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 The fraudulent account is listed as follows : Creditor : XXXXXXXX XXXX Account Number : XXXX Original Balance : {$38000.00} Date Opened : XX/XX/XXXX Status : Paid, Closed with XXXX late payments Comments : Redeemed Repossession This entry is having a substantial negative impact on my credit score and reputation. Under FCRA Section 605B, consumer reporting agencies are required to block fraudulent information from credit files within four business days of receiving an identity theft report and supporting documentation. 

XXXXXXXX XXXX XXXX continued furnishing of derogatory information to credit bureaus may violate 15 U.S.C. 1681s-2 ( a ), which prohibits reporting of information known to be inaccurate. Their inaction after being properly notified is also grounds for liability under 15 U.S.C. 1681n, as described in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. 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 2025-07-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXEquifax Information Services, LLCXXXX XXXX XXXX GA XXXX XXXXThis CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a fraudulent account opened at 1.XXXX XXXX XXXX  These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint #(private case number) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I respectfully request your review and correction of a late payment reflected on my credit report. According to my own records and billing history, this payment was made on time and should not be reported as late.

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 2025-07-11 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: CA

Complaint narrative:
I am filing this formal complaint against one or more credit reporting agencies ( CRAs ) and data furnishers for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically in regard to the reappearance of previously deleted fraudulent accounts on my credit reportwithout proper notice or legal compliance.

According to the FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ), if a credit reporting agency reinserts any information previously deleted following a dispute, it must notify the consumer in writing within 5 business days of the reinsertion and identify the source/furnisher of the reinserted information. No such notice was provided to me.

Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ), I submitted an Identity Theft Report to the CRAs for the following fraudulent accounts, which should have been blocked and excluded from all reports : Fraudulent Accounts Listed in My FTC Identity Theft Report : XXXX XXXX XXXXXXXX Account ending in XXXX XXXX XXXX XXXXXXXX Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX Account ending in XXXX These accounts were reported without my knowledge, authorization, or consent, and began appearing on my report again as of XX/XX/year>, despite having been previously removed. 

In addition, no proper identity verification, written validation, or furnisher contact information was ever provided to me regarding these reinsertions, as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ).

This has caused ongoing and substantial harm to my creditworthiness, financial stability, and ability to obtain housing, credit, and employment.

Requested Resolution : 1. Immediate permanent deletion of all fraudulent accounts listed above from my credit report with all three major credit bureaus ( Equifax, Experian, TransUnion ).

2. Formal written confirmation of deletion and blocking under FCRA 605B ( c ).

3. Disclosure of all entities that reinserted the information without authorization, as required by law.

4. An investigation into FCRA violations committed by the CRAs and/or furnishers who failed to comply with reinsertion and identity theft procedures.

Thank you for your assistance in investigating and resolving this serious matter. I am providing my FTC Identity Theft Report ( Report # XXXX ) as supporting documentation, and I request urgent attention to this case under your authority. 

Sincerely, 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 2025-07-11 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following account listed on my credit report. I assert that these account are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX. Balanced : {$1100.00}

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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: IL

Complaint narrative:
XX/XX/scrub>/25 Can not make payments due to XXXX I have a XXXX XXXX XXXX Was not able to make any arrangements. I was told to find side hustles to pay for my loans tax free.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: AR

Complaint narrative:
I took out a {$1000.00} installment loan with Opportunity Financial ( OppLoans ) funded by XXXX XXXX. The terms of the loan required me to repay {$1700.00}, with an APR of 159.54 %. I entered into this agreement during a financially vulnerable time and did not fully understand the long-term impact of the excessive interest rate. 

I now realize this type of loan preys on financially XXXX  consumers and appears to violate fair lending standards. The interest rate is not only outrageous, but far exceeds the legal caps for most traditional lenders. The disclosures provided were not clear or understandable in the moment of need. 

I am requesting relief in the form of cancellation of the remaining balance, a refund of any overpayments, and that this lender be investigated for predatory lending practices. I believe they have targeted me and others in crisis with abusive financial terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I am writing to dispute a late payment reported on my credit file that I believe is inaccurate. I have maintained a detailed payment record and have identified this entry as an error based on a comparison with my statements.

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 2025-07-11 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:
I am writing to formally request a review and correction of the personal identifying information listed on my credit report. I have recently checked my credit monitoring service through XXXX, and my reports from your bureau ( s ) are either missing or not displaying correctly. I am concerned that this may be related to inaccurate or outdated personal information currently associated with my credit file.

Company response to consumer: Closed with explanation