vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
XXXX XXXX is reporting XXXX separate charge-off accounts with ongoing delinquent and past-due balances. All three accounts appear to be reporting inaccurate and unverifiable information. XXXX continues to furnish negative information from XXXX through XXXX without providing documented validation for the claimed balance calculations or delinquency history. 

All three accounts show ongoing delinquency reporting long after the charge-off date, which is misleading and suggests continued monthly billing and penalties after the obligation was allegedly written off. This practice results in inflated and unverifiable balances. 
Violation : This reporting violates : FCRA 15 USC 1681s-2 ( a ) a data furnisher must not report information that is inaccurate or unverifiable FCRA 611 ( a ) failure to properly reinvestigate and correct disputed information FDCPA 807 ( 2 ) ( A ) false representation of the legal status of the debt by reporting continued delinquency after charge-off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
CFPB COMPLAINT # 2 NISSAN MOTOR ACCEPTANCE ( AUTO LOAN ) Company : Nissan Motor Acceptance Corporation Account : Auto Loan Acct # XXXX XXXX XXXX Complaint Description ( Copy & Paste ) I am filing this complaint because Nissan Motor Acceptance is reporting an auto loan account that was opened and used without my authorization. I never gave written consent to apply for this loan, and the account does not belong to me. This is identity theft.

In addition to being fraudulent, Nissan is reporting the account inaccurately, illegally re-aging it, and updating derogatory data every month after the charge-off, which violates FCRA and XXXX XXXX XXXX. 

Violations : 15 U.S.C. 1681c-2 Identity theft reporting obligations 15 U.S.C. 1681e ( b ) Inaccurate and outdated reporting 15 U.S.C. 605 ( a ) XXXX reporting period 15 U.S.C. 1681s-2 ( b ) Furnisher duty to correct inaccurate data XXXX XXXX XXXX accounts must not continue updating The Date of First Delinquency was in XXXX, and the XXXX removal period is approaching, but Nissan continues to update the account XXXX XXXX, which is illegal re-aging. 

Requested Resolution : I am requesting the complete deletion of this account from XXXX XXXX XXXX XXXX  and confirmation that Nissan has ceased all reporting activities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: IN

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-20 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: IN

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-20 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:
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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have disputed this company with credit bureaus multiple times and requested them to cease and desist all communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I am filing this complaint regarding multiple inaccurate and inconsistent items reported on my credit reports by Experian, Equifax, and TransUnion, which have caused significant harm to my creditworthiness. My addresses are incorrectly reported across all bureaus, including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Experian ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX, XXXX, GA XXXX XXXX Equifax XXXX and XXXX XXXX, XXXX, GA XXXX and XXXX XXXX, XXXX, GA XXXX XXXX TransUnion. Accounts also contain multiple errors : Child Support Enforcement XXXX XXXX XXXX XXXX XXXX  is reported with a {$0.00} balance in Experian and Equifax, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported as {$0.00} in Experian and TransUnion but {$120.00} in Equifax, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inconsistently reported in balances and dates of first delinquency, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX balances {$850.00} and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} ), AR XXXX ( XXXX GEORGIA EMERGENCY XXXX {$1100.00}, XXXXXXXX XXXX XXXX {$1100.00} ), XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) at {$210.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) at {$120.00}, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ) XXXX and XXXX ( XX/XX/XXXX ) are all inaccurately reported, duplicated, or contain incorrect balances and delinquency dates. These errors violate multiple FCRA provisions, including 605 ( a ) regarding obsolete information, 605B regarding identity theft, 607 ( b ) regarding credit bureau obligations to maintain accuracy, 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ) requiring furnishers to report accurate information and investigate disputes, and 623 ( b ) regarding duty to investigate. Additionally, the inconsistent reporting, misleading balances, and duplicate accounts violate FDCPA 807, 808, and 809 regarding false representations, unfair practices, and debt validation rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I am filing this complaint regarding multiple inaccurate and inconsistent items reported on my credit reports by Experian, Equifax, and TransUnion, which have caused significant harm to my creditworthiness. My addresses are incorrectly reported across all bureaus, including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Experian ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX, XXXX, GA XXXX XXXX Equifax XXXX and XXXX XXXX, XXXX, GA XXXX and XXXX XXXX, XXXX, GA XXXX XXXX TransUnion. Accounts also contain multiple errors : Child Support Enforcement XXXX XXXX XXXX XXXX XXXX  is reported with a {$0.00} balance in Experian and Equifax, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported as {$0.00} in Experian and TransUnion but {$120.00} in Equifax, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inconsistently reported in balances and dates of first delinquency, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX balances {$850.00} and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} ), AR XXXX ( XXXX GEORGIA EMERGENCY XXXX {$1100.00}, XXXXXXXX XXXX XXXX {$1100.00} ), XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) at {$210.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) at {$120.00}, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ) XXXX and XXXX ( XX/XX/XXXX ) are all inaccurately reported, duplicated, or contain incorrect balances and delinquency dates. These errors violate multiple FCRA provisions, including 605 ( a ) regarding obsolete information, 605B regarding identity theft, 607 ( b ) regarding credit bureau obligations to maintain accuracy, 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ) requiring furnishers to report accurate information and investigate disputes, and 623 ( b ) regarding duty to investigate. Additionally, the inconsistent reporting, misleading balances, and duplicate accounts violate FDCPA 807, 808, and 809 regarding false representations, unfair practices, and debt validation rights.

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 2025-11-20 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-20 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: GA

Complaint narrative:
XXXX, XXXX, XXXX, XX/XX/year>, have late payment statues when I have never been late on this account for the Children 's Place The payments have always been on autopay. 
When I contacted the company, I was advised I needed to go thru the credit bureaus to have this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
XXXX, XXXX, XXXX, XX/XX/year>, have late payment statues when I have never been late on this account for the Children 's Place The payments have always been on autopay. 
When I contacted the company, I was advised I needed to go thru the credit bureaus to have this corrected.

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 2025-11-20 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: OK

Complaint narrative:
I am a victim of identity theft and XXXX XXXX Can you please remove this error, thank you.

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 2025-11-20 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX : XXXX XXXX : ACCT XXXX XXXXXXXX XXXX XXXX XXXX  : ACCT # XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX : ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, 15 USC 1681 E ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow all reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681 S-2, a person shall 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.

According to 15 USC 1681i ( a ) ( 5 ) if after 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 promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> a legal order debit was made from my checking account at Wells Fargo bank. Account details states- XXXX XXXX and a case number and phone number. 
I called number listed on XX/XX/year> and number rings to Wells Fargo legal order processing department - staff states a legal order was received and staff acted on order. Staff states can not provide no further information except a phone number for XXXX XXXX 
I called the provided number multiple times and no one answered. 
I received a call from another number - individual states they received the calls and is calling back - states is a fbi agent and not the marshals department and does not know why wells Fargo is giving out number. Refused to explain how she came by receiving the calls I made. 
I tried calling back the bank several times and the cycle repeats itself. 
I visited the branch in person - staff reviewed account and staff called the number and receive much same result. Staff informed legal order placed XX/XX/year> and removed XX/XX/year> - no other information available. States money can not be returned and I need to get a lawyer because they acted on a legal order. 
I have not legal proceedings with any agencies, no debts, no case case. XXXXXXXX XXXX did not find the case number that Wells Fargo provided. Wells Fargo did not send me a notice or offer any solution to get my money back - Wells Fargo paid out {$19000.00} from my account- to a case that does not exist. When I tried to resolve the issue- they treated me like a criminal- hanging up phones, cutting off calls, dismissing questions, and offer no solutions. They neglected to protect my account and monies and left me with a financial strain as my account was emptied

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 2025-11-20 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: NV

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Live Oak Financial, Inc
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate reporting, improper collection activity, and failure to validate alleged debts. 

This is an official notice that multiple Respondents ( Credit Bureaus, XXXX, and any related debt collectors ) have received or will receive formal documents by certified mail, including : Notice of Liability Notice of Default Affidavit of Truth Administrative Record Package ( Remittance Coupons, Fraud Notice, Informative Notice, request for 1099-C issuance, FTC Identity Theft Report, Police Report, and all prior dispute communications ) UCC-1 and UCC-11 filings already recorded Confirmation from the U.S. Department of Treasury regarding the status of securities Trust and Executor/Beneficiary notifications previously served and ignored I am not uploading my trust or UCC-related documents for privacy and security reasons. I am confirming they exist, were properly recorded, and form part of the administrative record. 

The Respondents have ignored every lawful request for validation, failed to provide a contract, verified accounting, purchase agreement, or wet-ink signature, and continued to report or collect on accounts without lawful verification. 


-- - Damages Claimed Due to willful noncompliance, negligence, emotional distress, and continued publication of false information, I am claiming the following damages : FCRA Violations {$1000.00} per violation FDCPA Violations {$1000.00} per violation Defamation / False Credit Reporting {$25000.00} Emotional Distress and Hardship {$10000.00} Punitive Damages for Willful Misconduct {$50000.00} Total Damages Claimed : {$86000.00} and increasing daily until the matter is corrected.

Company response to consumer: Closed with explanation