vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI

Complaint narrative:
This is NOT a basic billing complaint this is a post-bankruptcy violation. I reaffirmed my vehicle loan in court ( Case # XXXX ), and NMAC agreed to allow me to continue payments under the original terms. XX/XX/year>, NMACs system removed my access to the one-time, no-fee payment method, which had been in place the entire time. 

This internal system error was admitted in writing by NMAC. Instead of fixing it, they penalized me with late fees, falsely claimed multiple contact attempts, and insisted I pay through inconvenient or fee-based alternatives. I am now being punished financially and credit-wise for a glitch they caused. 

This is a servicing abuse issue, a breach of a reaffirmation agreement filed with the court, and possibly a violation of the Fair Credit Reporting Act if they report me as delinquent due to their own technical failure. 

I am asking for this to be escalated as a post-bankruptcy servicing violation, not a routine billing issue. This is harming my credit, my finances, and my ability to stay in good standing despite following all legal agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: TN

Complaint narrative:
We have received multiple letters of loan transfer from united wholesale mortgage to another united wholesale mortgage. Each number they gave me is tried to call. It hangs up within XXXX seconds. I just want to make sure auto pay is set up. But this company makes it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim.

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX XXXX, 15 U.S.C. 1681b states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner.

I have contacted TransUnion on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than XXXX  days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

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 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
Loan was electronically signed in my name. I only have student loans out. And these loans spring oaks capital bought are not mine. Not my debt. Sued me and apparently I have a court date in XXXX I will bot be attending. These people are harassing and XXXX XXXX XXXXXXXX their attorneys couldn't even provide evidence. Said they'd look into it. Communication is poor. People are immature and VERY rude. Hung up on me multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-21 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: LA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts being reported on my TransUnion credit report. These accounts are the result of identity theft, and I did not authorize or open them. Additionally, I am a verified victim of multiple data breaches, including the XXXX  XXXX  data breach, which exposed sensitive personal information that may have contributed to the identity theft and the creation of these fraudulent accounts. 

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove any information resulting from identity theft within four ( 4 ) business days of receiving the proper documentation.

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 2025-07-21 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: CO

Complaint narrative:
Experian has made it so consumers can not file disputes for inaccurate information on their credit report. I am trying to dispute inaccurate and incorrect information and I can not get ahold of anybody. This is outrageous

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I had no knowledge of these accounts and did not authorize them. Kindly delete them within 15 days as per USC 1681g. Supporting docs included.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: FL

Complaint narrative:
I bank online with Dave Banking. Today XX/XX/year> I requested to revoke authorization to ACH with my connected XXXX XXXX XXXX account. Because I have a current cash advance with Dave they are refusing the authorization ACH revoke. I made it clear I have to shut down my XXXX XXXX and open a new account, due to my XXXX XXXX being compromised and when I let them know that legally Dave has to comply, they ended the conversation. I am now very upset about this as DAVE claims they will not take funds from people if it puts us in the negative and they already have, and now on top of that they are refusing a legal request that I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This complaint outlines an ongoing pattern of harmful, deceptive, and possibly unlawful practices by Comenity Bank concerning a closed credit card account originally opened in XX/XX/XXXX and closed in XX/XX/XXXX. The account was charged off and marked as a profit and loss write-off, yet Comenity continued to actively collect payments directly without accurately updating the credit reporting status. 

In XX/XX/XXXX, I resumed monthly {$75.00} payments to Comenity after previously being placed on a hardship plan that was terminated due to missed payments. These payments were automatically withdrawn from my account by Comenity between XX/XX/XXXX and at least XX/XX/XXXX. Despite this, Comenity failed to update my credit report to reflect these payments, continued reporting the account as charged off with delinquent history, and showed a balance that remained unchanged. 

On a recent call with Comenitys internal collections team, I was told that unless I paid the entire balance or entered an unaffordable XXXX repayment plan, they would send it to legal and come after my assets. I explained that I have no assets or sufficient income and have been making monthly payments in good faith. I asked that they proceed if they must, but I am not able to comply with their demand. The representative was hostile and dismissive of my hardship. 

After submitting an initial CFPB complaint draft, Comenity seemingly retaliated by modifying the credit reporting for the account. On or around XX/XX/XXXX, they reported new derogatory information for all of XXXX and parts of XXXX including several months for which they had already collected payments. My reported balance increased, and all past payment history now shows missed payments and derogatory symbols, even though I never stopped making payments. Additionally, they continued auto-drafting payments from my bank account despite my request to stop. 

This appears to be : - A violation of the Fair Credit Reporting Act ( FCRA ) due to inaccurate and damaging credit reporting ; - A potential violation of the Fair Debt Collection Practices Act ( FDCPA ) due to harassment and coercive language ; - A retaliatory act in response to my legal right to file a complaint ; - A financial hardship exploitation, as I am a low-income parent with no assets, making every possible effort to pay responsibly. 

I am not refusing to pay. I simply request transparency, accurate credit reporting, and respect for my legal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I am not responsible for the accounts listed and had no awareness of them. Please remove them in 15 days in line with USC 1681g. Documents enclosed.

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 2025-07-21 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 the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Dispute Westlake Financial due to error in payment because of bankruptcy and error with amount owed was physically and mentally sick in hospital at the time payment was being asked error need help removing from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
I am submitting a formal complaint against Credit Collection Services ( CCS ) for inaccurately reporting a collection account to my credit file. 

Account Details Collection Agency : Credit Collection Services ( CCS ) Original Creditor : XXXX Balance Reported : {$200.00} Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Status : Open / Placed for Collection Dispute Noted : Yes Summary of Dispute This debt does not belong to me. I was previously listed as a secondary insured on an auto policy through XXXX for a XXXX XXXX. However, when my son purchased a XXXX XXXX, the insurance agent added his new vehicle to the same policy without my knowledge or consent. 

My son failed to pay the insurance premium, and XXXX sent the unpaid balance to collections. As a result, Credit Collection Services placed this debt on both my credit report and my son 's, even though I had no financial responsibility or contractual agreement regarding the XXXX XXXX policy. 

I never : Authorized the addition of the XXXX XXXX to the policy Signed any documents for coverage on that vehicle Received billing notices or account information related to it Action Taken I contacted Credit Collection Services to dispute this debt and requested validation under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ). To date, CCS has failed to provide any supporting documentation proving this debt is legitimately mine.

Their continued reporting of this account violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), as they are furnishing unverified and inaccurate information to credit reporting agencies.

Requested Resolution Immediate deletion of this account from my credit report A full investigation into CCSs reporting practices and failure to validate the debt A written confirmation of the outcome and any corrective actions taken This collection is unjustly damaging my credit standing. I respectfully ask that the CFPB assist in resolving this matter swiftly.

Thank you for your time and support. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX World Finance Corporation XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX Subject : Formal Dispute and Demand for Deletion Account # XXXX To Whom It May Concern, This is a formal dispute regarding inaccurate, duplicate, and misleading reporting on my credit file by World Finance Corporation regarding Account # XXXX. This account appears multiple times with conflicting statuses ( Charge-Off, Open, Paid/Closed ), inconsistent payment histories, and a {$0.00} balance.

Under the Fair Credit Reporting Act ( FCRA ) : 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must report accurate information.

1681s-2 ( b ) : Upon notice of dispute, the furnisher must investigate and correct any inaccuracies.

1681i ( a ) ( 1 ) ( A ) : The CRA must reinvestigate disputed information unless deemed frivolous.

Despite previous disputes, these entries remain inconsistent and harmful. Reporting a paid charge-off account multiple times with different outcomes violates the FCRA and FDCPA. 



I am demanding immediate deletion of this account from all credit bureaus and confirmation in writing. If no response is provided within 15 days, I will : File a formal complaint with the CFPB, FTC, and state AGs office, Report the violations to legal counsel under 1681n and 1681o for damages due to willful noncompliance. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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