vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 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: NC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report. The item in question is a student loan account reported by XXXX XXXX Missouri XXXX XXXX XXXX XXXX ) related to [ XXXX XXXX XXXX XXXX XXXX XXXX choose XXXX ]. 

This loan should have been discharged under the U.S. Department of Education 's Borrower Defense to Repayment program and the Closed School Discharge provision. These schools were subject to legal action and closed due to misconduct, and my loans are eligible for cancellation as confirmed by MOHELAs own website.

Despite this, MOHELA is still inaccurately reporting this loan as active or delinquent, causing damage to my credit report and score.

Legal Basis for My Dispute Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Under this law, I have the right to dispute incomplete or inaccurate information.

The credit reporting agency must investigate and respond within 30 days of receiving this dispute.

If the information is found to be inaccurate, it must be corrected or removed.

FCRA, 15 U.S.C. 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy in consumer reports.

Higher Education Act ( 20 U.S.C. 1087 ) Includes provisions for loan discharge due to school closure and borrower defense when a school misleads or defrauds students.

The U.S. Department of Education has confirmed that students from schools like XXXX XXXX and XXXX XXXX XXXX loan discharge under these provisions. 

Disputed Account Details : Creditor Name : XXXX Error : Loan should have been XXXX due to school closure/misconduct, but is still reported as open or 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 non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WV

Complaint narrative:
Nissan Auto Loan Company : Nissan Motor Acceptance Corporation ( NMAC ) I am submitting this complaint regarding my auto loan with Nissan Motor Acceptance Corporation ( NMAC ). My loan was recently charged off, but I never received any 10-day notice or written notice of default, charge-off, or my right to reinstate under West Virginia law.

I still have possession of the vehicle, and I have already paid more than half of the total loan balance. The remaining balance is approximately {$21000.00}. When I contacted Nissan, they refused to allow me to pay the past-due amount to bring the account current, insisting that I must pay the full balance in one lump sum or refinance elsewhere.

In addition, Nissan has disabled my vehicle remotely with a kill switch, leaving it completely undriveable. This has caused severe hardship because I rely on this vehicle for work and transportation for my 1-year-old child. I now have no means of getting to work or meeting basic needs. I was left stranded at my place of work with my 1 year old, completely unaware that it was the kill switch that was activated on my vehicle.

I believe this may be an unfair, deceptive, or abusive practice, as defined by CFPB regulations and West Virginia consumer protection law. I am also aware that in XXXX Nissan entered into a CFPB enforcement settlement involving wrongful repossessions and withholding personal property. I am concerned my situation may reflect similar conduct.

I am requesting the CFPB review this matter and ensure that Nissan : Provides proper written notice of any default or charge-off ; Allows reinstatement or reasonable resolution options ; Restores access to my vehicle so I can use it for work and childcare ; and Corrects any inaccurate credit reporting related to this issue.

I have documentation of my loan agreement, payment history, communications with Nissan, and proof that the vehicle has been disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On instagram an eyelash account had requested me, they looked like a normal account. I had an appointment with them the XXXX they were supposed to text me that day to confirm, never texted. The appointment was at XXXX XXXX, they never texted even the next day nothing, in all that time i was texting them through their actual phone number and still nothing. Their instagram account eventually showed it as XXXX. I had sent them a deposit before the services to secure the appointment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: IL

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 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-10-16 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: AZ

Complaint narrative:
After looking over my TransUnion credit file the accounts/ Inquiries are inaccurate, unverifiable, and in violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX * * * * * * -Date Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX # XXXX * * * * * * -Date Opened XX/XX/XXXX -Balance {$1900.00} XXXX  # XXXX * * * * * * * * * * * -Date Opened XX/XX/XXXX -Balance {$2700.00} XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX * * * * * * -Date Opened XX/XX/XXXX -Balance {$790.00} XXXX  # XXXX  * * * * * * * * * * * * * * -Date Opened XX/XX/XXXX -Balance {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am on XXXX XXXX. I havXXXX XXXX XXXX XXXX  and missed one payment. I wanted to negotiate a pay off amount. I asked to speak to.a supervisor. Called academy sports .then community XXXX XXXX Each time I ask for a supervisor to negotiate pay off they put me on hold then hang up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
After looking over my TransUnion credit file the accounts are inaccurate, unverifiable, and in violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I received multiple letters dated XX/XX/year>, from Resurgent Capital Services L.P attempting to collect an alleged debt they claim is owed to LVNV Funding LLC. The letters are formatted to resemble billing statements and include detachable payment coupons directing that payments be made to Resurgent Capital Services, not LVNV. Each letter identifies Resurgent as " managing '' the account for LVNV Funding LLC, without clearly explaining the legal relationship between the XXXX entities or establishing Resurgent 's authority to collect or receive payments. The correspondence includes computer-generated " Account Summary Reports '' described as " verification of debt. '' These reports were created by Resurgent, not the original creditor, and fail to provide any supporting documentation. Referring to these internally produced summaries as " verification '' misrepresents the legal sufficiency of the evidence and would mislead the least sophisticated consumer into believing the account was fully verified and collectible. This conduct is false, misleading, and noncompliant in violation of the Fair Debt Collection Practices Act including : XXXX. Misrepresentation of the character or legal status of the debt. XXXX. Use of deceptive means to collect a debt. XXXX. Failure to clearly identify the creditor to whom the debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccuracies appearing on my auto loan and on my credit report. I have identified several issues regarding incorrect payment reporting, fees, and payment time frames that have negatively impacted my credit score. 
Details of the dispute : XXXX. The payment history on my account is inaccurate, showing late payments that were not valid or properly processed. 
XXXX. The time frames of certain payments are reported incorrectly, despite timely automatic withdrawals from my bank account. 
XXXX. On multiple occasions, double payments were withdrawn from my account through auto-pay, yet my account was still marked past due, causing ongoing confusion on payment status and account balance. 
XXXX. These discrepancies have caused my credit report to reflect XXXX late payments that are not accurate, resulting in a drop in my credit score. 
XXXX. I have contacted your customer service department multiple times to resolve these issues ; however, my concerns were not properly addressed, and I was only told to make additional payments rather than receiving assistance or investigation into the problem. 
These reporting errors and improper fees have caused unnecessary financial and credit hardship. I am requesting a full investigation of this matter, correction of any inaccurate payment reporting, removal of any improperly applied fees, and deletion of any late payment notations that resulted from these errors. 
Please confirm in writing once your investigation is complete and the necessary corrections have been made. I have enclosed supporting documents, including bank statements and payment records, to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I took out an air conditioning loan with this company but paid it off early. On XX/XX/year> they took out an additional {$1200.00} which was unauthorized by me after the loan was paid off. Since then, they have been playing games with me as to when I will receive the money and whether it will be sent by check or whether it will go back to my account. Each time I get someone who speaks poor XXXX from a call center. These people are lying to me and I have emails to prove it. I just want my money and they are jerking me around. They sent me a letter saying the {$1200.00} was for fees but then they turned around and said the refund was coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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 pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX M XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX Date : 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 non-monetary relief
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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