vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

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 seven 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 2025-11-25 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
account is XXXX XXXX XXXX and need to be deleted off all three credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any 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 clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
Multiple accounts that clearly do not belong to me are being reported under my name, indicating my credit file has been improperly merged with someone elses information. I never opened, authorized, or managed these accounts, and their presence on my report is a demonstrable misrepresentation of my financial history. This mixed-file error is unacceptable, has caused significant concern, and is damaging my credit and reputation.

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 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
On XX/XX/year>, I was involved in a motor vehicle accident that resulted in a total loss of my vehicle. On XX/XX/year>, I contacted Nissan Motor Acceptance Company ( NMAC ) to notify them that the vehicle had been declared a total loss. I also informed them that my insurance company had submitted all required documentation through the agreed-upon portal. 
For the past XXXX days, NMAC has repeatedly claimed they have not received any of the paperwork, despite the insurance company confirming submission. Instead of investigating the issue or escalating the matter to the proper department, NMAC representatives have insisted that I must continue making payments. I was told the account is past due, that it is being reported to the credit bureaus, and that insurance would not be paying the claim.

During multiple calls, Nissan representatives were rude, dismissive, and provided contradictory information. On XXXX call I attempted to speak with the insurance department, only to be told that the person I was speaking with was the insurance department yet they again refused to review or acknowledge the submitted documents. Each time I call, I receive a different explanation, and no one takes responsibility for reviewing or processing the total loss claim. 
I have maintained this account for over XXXX years, which includes XXXX payments, and have consistently made my payments on time. I am now being penalized and threatened with negative credit reporting for a situation that has already been appropriately handled by my insurance company. NMACs refusal to locate, review, or acknowledge the submitted paperwork has caused unnecessary hardship, stress, and financial confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
My mortgage payment bounced for some reason in XX/XX/year>. I dont know why and the bank could not explain why I waited to pay because I received a notification in the mail my auto draft would no longer be honored I waited until XX/XX/year> to check on auto draft. It was not present on bank account or when I called that there was an active draft. So I called the mortgage company and before I made an extra payment verified there was no auto draft coming out. It was verified by XXXX XXXX that there was no auto draft. Well after I paid extra the auto payment came out I have since been trying to get a refund and they keep adding XXXX days. It has been XXXX days since this started

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation
State: WI

Complaint narrative:
I had an automobile loan with Heights finance. I totaled my car and my insurance paid off the loan. I attempted to get another loan but due to my credit score, I was denied. This was after I sent over my pay information and other documents many times and was told I would be able to get a loan but after over a month, was told I could not. Then, the company mailed me a check for about {$1300.00} that I cashed. It was an agreement that I would pay it back in installments. I was able to make a few payments then lost my job. I worked with different people and gave Emailed proof. Their collections department kept calling me during this time, meanwhile the staff there told me they could get approval for me to refinance the loan. I have a recording of the collection call where the person was yelling at me and kept asking me what I did with the money and why did I cash it when she kept saying I purposely cashed it without any intention on paying it back. Meanwhile, I was waiting back for the loan officers to let me know if I could refinance the loan. The next thing that happened was i was served papers for small claims court for an amount over $ XXXX to pay back. My wages are now being garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-25 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 filing this complaint because [ Experian / XXXX XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. XXXX, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-25 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: FL

Complaint narrative:
Subject : Dispute of Charged Off Accounts I am disputing several charged-off accounts that are inaccurately reported on my Experian credit report. Below are the details of the accounts in dispute : XXXX  XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$150.00} XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$990.00} XXXX XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1100.00} XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
I am disputing the inaccurate personal information listed on my credit report. My accurate and only valid name is XXXX XXXX XXXX, and my accurate and only valid address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The following information is inaccurate and must be corrected and deleted : the name entries listed as XXXX XXXX, XXXX XXXX, and other variations must be removed ; the address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, which is not associated with me, must be deleted ; and the employer listed as XXXX DISTRIBUTION must be removed, as I am SELF-EMPLOYED. I request that my credit report be updated to reflect only my accurate name, address, and employment status, in compliance with the Fair Credit Reporting Act ( FCRA ). I urge EXPERIAN to take prompt action to fix and remove these inaccuracies and update my credit information accordingly.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OR

Complaint narrative:
On XX/XX/year>, I disputed a {$500.00} charge from XXXX XXXX because it did not match the lease agreement I signed. Discover denied my dispute based on documents provided by the merchant. However, the merchant submitted the WRONG contract. 

The dealership sent Discover a previous lease contract with a different monthly payment amount ( {$410.00} ), different totals, and different terms. This contract is not connected to the {$500.00} charge. 

I provided Discover with the correct documentation, including : The actual lease agreement showing my correct monthly payment of {$550.00} A screenshot of my XXXX XXXX account confirming the {$550.00} monthly payment Evidence that the dealership created XXXX different contracts Evidence that the merchants documents do not match the disputed transaction in any way Despite this, Discover denied the dispute again and stated the merchants evidence was valid. The merchants evidence is factually unrelated to the transaction I disputed. 

I am asking the CFPB to require Discover to : 1. Reopen the dispute 2. Review the correct documentation 3. Require the merchant to provide the actual contract associated with the {$500.00} charge The merchant misrepresented evidence, and Discover did not properly investigate under Regulation Z dispute requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Veros Credit, LLC
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : VEROS - XXXX XXXX XXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a formal dispute to XXXX on XXXX, and a second dispute on XXXX, regarding inaccurate and unverified information in my credit file. The disputed items include multiple tradelines furnished by banks and creditors that report inconsistent, outdated, or unverifiable datadespite being previously disputed with supporting evidence. 

Experian 's response failed to demonstrate compliance with its obligations under 15U.S.C. 1681i ( a ) ( 1 ) ( A ) ( E ), including the duty to conduct a reasonable reinvestigation and provide original source verification. Furthermore, Experian failed to ensure maximum possible accuracy as required by 15U.S.C. 1681e ( b ).

As of today, the disputed and inaccurate information remains on my credit file and continues to harm my creditworthiness.

I respectfully request that Experian either : Provide full documentation verifying the accuracy of the disputed items ; or Immediately delete or correct any unverified or inaccurate information from my consumer file.

Their continued reporting of inaccurate and unverifiable information constitutes violations of 15U.S.C. 1681i ( a ) ( 1 ) ( A ) ( E ) and 1681e ( b ).

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