vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Theres a debt collector that reached out to someone I know about a debt that I have with crunch fitness. It is illegal for them to contacted anyone but me. They sent them a message saying this : Aldous & Associates ( debt collector ) : address your XXXX XXXX  account at XXXX : XXXX Reply STOP to opt out CA License Number XXXX It was sent on XX/XX/XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Im filing a formal complaint against Nissan Motor Acceptance Corporation ( NMAC ) for refusing to accept the return of my leased vehicle, blocking access to my payment portal, and falsely reporting my account as charged off even though I made payments on time and made multiple good-faith efforts to resolve the issue. 

My lease ended in XX/XX/year>. I continued making payments through XXXX while trying to buy the vehicle, but the dealership refused to complete the purchase remotely, even though my original lease was handled entirely over the phone. After several weeks of back-and-forth, and since I couldnt go in person, I decided to return the vehicle according to my lease agreement. At that point, both NMAC and the dealership refused to authorize the return.

NMAC took my payments for months after the lease expired, then later claimed my only options were to let them repossess the car or pay the full balance. On XX/XX/year>, between XXXX XXXX  and XXXX XXXX  PST, a female NMAC representative told me she would advise Nissan to file suit against me. When I said that sounded like a threat, she replied, thats a promise. I asked for a manager, but she transferred me to voicemail and then disconnected the call.

At least five or six employees from NMAC and Nissan dealerships told me to just leave the car and that they would let me know how much I owe later. I have since learned this was an attempt to coerce a voluntary surrender ( repossession ) instead of processing a proper lease return, as required by contract. 

This behavior amounts to harassment, misrepresentation, and unfair collection activity in violation of the Fair Debt Collection Practices Act, the XXXX Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the California Consumer Credit Reporting Agencies Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX and XXXX for inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ). 
Both creditors issued me IRS XXXX XXXX for cancellation of debt, which means the debts were legally forgiven and reported as income. However, both companies continue to report these same accounts as delinquent, past due, or charged off on my credit reports. 
Once a XXXX is issued, the account balance should be updated to {$0.00} and reported as canceled debt or paid/settled. Reporting it as an active delinquent account after cancellation is misleading, inaccurate, and harms my credit standing. 
I have contacted the creditors and the credit bureaus to request correction, but the inaccurate data remains. I am requesting the CFPBs assistance to ensure these accounts are accurately updated or removed from my credit report.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

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

Company 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 2025-10-22 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-23 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: CA

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report, which are negatively affecting my creditworthiness. Despite my efforts to resolve these issues with the reporting institutions, these errors persist. The following items are either reported with incorrect addresses or contain erroneous account information : Incorrect Address Listings : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Wrong Address XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Wrong Address Accounts with Inaccurate Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$880.00} Reported as Late Payment XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$670.00} Reported as Late Payment XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$930.00} Reported as Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$1700.00} Reported as Late Payment XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$6900.00} Reported as Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$910.00} Reported as Charge Off XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$11000.00} Reported as Charge Off XXXX XXXX XXXXXX/XX/XXXX Inquiry These inaccuracies constitute a direct violation of the Fair Credit Reporting Act ( FCRA ). I have verified that the addresses listed are incorrect and the reported late payments and charge-offs do not reflect the accurate history of my accounts. These errors are causing significant harm to my financial standing and are affecting my ability to obtain credit fairly. 

I request the CFPB to investigate these discrepancies and compel the reporting institutions to : Correct my address information immediately. 

Verify the accuracy of all reported late payments and charge-offs. 

Remove any inaccurate negative entries from my credit report. 

Please find attached supporting documentation, including my identification and evidence of my correct addresses. I expect this matter to be addressed promptly, and I appreciate your assistance in enforcing my rights under the FCRA.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PR

Complaint narrative:
On XX/XX/year>, I discovered that my credit score had dropped 79 points after a {$430.00} collection account from Transworld Systems Inc. appeared on my credit report. I have never received any written notice or validation from Transworld Systems Inc. and do not recognize this alleged debt. 

The account is listed as opened XX/XX/year> and reported XX/XX/year>, but I have never had any account or balance matching this description. I am requesting full validation of this debt and removal of the collection entry if the company can not substantiate it. 

To date, I have received no communication whatsoever from Transworld Systems Inc. before this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company 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 2025-10-22 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:
In XX/XX/XXXX, I reviewed my credit reports from Experian, Equifax, and TransUnion and found several accounts, late payments, and hard inquiries that do not belong to me and appear to be the result of identity theft or reporting errors. 

Accounts in question : XXXX XXXX ( Account # XXXX ) Reported as charged off with XXXX lates from XXXX to XX/XX/XXXX. 
XXXX XXXX ( Account # XXXX  ) Reported as charged off with XXXX lates from XXXX to XX/XX/XXXX. 
XXXX XXXX ( Account # XXXX ) Reported as charged off with XXXX lates from XXXX to XX/XX/XXXX. 
XXXX XXXX XXXX ( Account # XXXX ) Listed as potentially negative and shows a XXXX late payment in XX/XX/XXXX. 
- XXXX XXXX ( Car Account ) Reported late payment in XX/XX/XXXX- XXXX, which is inaccurate because payments were made on time and verified through my bank statements. 

These accounts are not mine and are incorrectly appearing on my credit reports with all three bureaus. 

Hard inquiries not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  ( unlabeled ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX I contacted Experian to request verification and documentation for these accounts and inquiries. They did not provide sufficient proof or correction. The same information appears inaccurately across Equifax and TransUnion as well. 

These false accounts, inquiries, and payment histories are damaging my credit standing and are not authorized or accurate. I am requesting that all three credit bureaus investigate these items, remove any accounts and inquiries that are not mine, and correct any late or charged-off reporting associated with these accounts.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is not my account and appears as an inaccurate entry on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl, XXXX XXXX XXXX Date : XX/XX/2025 Subject : Cease and Desist Unauthorized and Inaccurate Reporting Dear Credit Bureau Representative, I am writing to formally request that you cease and desist from reporting, sharing, or otherwise publishing any and all inaccurate, unverifiable, or unauthorized information on my credit file. 



XXXX XXXX XXXX date opened : XX/XX/2025 XXXX XXXX  date opened : XX/XX/2025 XXXX XXXX XXXX date opened : XX/XX/2025 Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all information furnished in my credit report is accurate, complete, and verifiable. I have previously disputed certain items on my report that remain inaccurate or have not been adequately verified within the time frame mandated by law. 



As a result, I am now demanding that you immediately cease reporting these unverifiable accounts and remove any related information from my credit file. Continued reporting of these inaccuracies constitutes a willful violation of the FCRA and subjects your agency to potential civil liability. 



Furthermore, I am instructing you to stop any further collection, communication, or dissemination of any disputed information to third parties unless and until it has been fully verified according to the FCRA. 



Please provide me with written confirmation that the disputed and unverifiable information has been removed, and that you have ceased any further reporting or distribution of such data. 



Failure to comply with this request will leave me no choice but to pursue all available remedies under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 



Thank you for your immediate attention to this matter. 



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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MO

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 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 2025-10-22 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: MO

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 non-monetary relief
Consumer complaint received 2025-10-22 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 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
Consumer complaint received 2025-10-22 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-22 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies and potentially unauthorized activities on my credit report that have caused significant stress and may be adversely affecting my creditworthiness. Despite my attempts to resolve these matters with the respective creditors and reporting agencies, the issues remain unresolved. 

XXXX. Incorrect Address Reporting XXXX XXXX XXXX, XXXX, GA XXXX This address is incorrectly listed or associated in my credit records, causing confusion and inaccuracies in my credit history. 

XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  ( Account XXXX ) Opened XX/XX/XXXXXXXX XXXX XXXX {$27000.00} : Reported late payment ( s ) that are inaccurate. I dispute the validity of these late payments. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Opened XX/XX/XXXXXXXX XXXX XXXX  {$640.00} : Listed as in collection, which I dispute as inaccurate. 

XXXX. Unauthorized or Questionable Credit Inquiries I have noticed multiple inquiries that I did not authorize or do not recognize, including but not limited to : XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Data XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries may constitute violations of the Fair Credit Reporting Act ( FCRA ), as they were not authorized by me.

Request for Relief I respectfully request the CFPB to investigate these matters and take appropriate action to ensure : My correct address is properly reflected on my credit file. 

Inaccurate late payments and collection accounts are corrected or removed. 

Unauthorized or questionable credit inquiries are investigated and removed if found invalid. 

My credit report is updated to reflect accurate and verifiable information, in compliance with FCRA regulations.

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