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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-25 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate, misleading, and unverified entries that are harming me financially. I have already disputed this information with the credit bureaus, but they failed to correct or verify the inaccurate reporting. I am requesting CFPB assistance in investigating and correcting the following issues : Incorrect Addresses Reported The following addresses appearing on my credit report are incorrect and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX addresses are not associated with me, and I am requesting they be permanently removed as they indicate possible identity mix-up or reporting errors. 

Accounts Reporting Inaccurately FST Premier ( Account Ending XXXX ) High Balance : {$440.00} Date Opened : XX/XX/XXXX Status : Charge-Off I have no knowledge of this account. This account must be investigated and permanently deleted if the furnisher can not provide full validation showing I authorized, opened, and used this account. 

XXXX XXXX ( Account Ending XXXX ) High Balance : {$19000.00} Date Opened : XX/XX/XXXX Status : Charge-Off I do not recognize this account. The furnisher has failed to provide proper validation. Under FCRA requirements, unverifiable or inaccurate accounts must be deleted. 

Unauthorized XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. This constitutes an unauthorized hard pull and must be removed immediately. 

Violations The above reporting appears to violate the following laws : FCRA 602 ( A ) Reporting must be fair, accurate, and verifiable FCRA 609 & 611 Right to validation and reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) Furnishers are prohibited from reporting inaccurate information Requested Resolution I am requesting the following actions be taken : Remove all incorrect addresses. 

Delete the unverified charge-off accounts listed above. 

Remove the unauthorized inquiry from XXXX XXXX XXXX 

Provide written confirmation once corrections are made. 

Thank you for your time and assistance. I expect a full investigation and resolution in accordance with federal laws.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing several items on my TransUnion credit report. Below are the details of the accounts in dispute : Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am filing a complaint regarding XXXX XXXXXXXX XXXX refusal to honor the transmission warranty on my XXXX XXXX XXXX. Their actions have caused financial hardship and created an unfair situation tied directly to my vehicle purchase and ongoing financial obligations. 

Shortly after purchasing the XXXX XXXX XXXXXXXX, the transmission failed. I brought the vehicle to XXXX for warranty service, and they kept my vehicle for two months. After that lengthy period, they denied the warranty claim, stating that my XXXX XXXX XXXX ( XXXX ) programming receipt did not include the part numbers, even though the programming was completed and documented by the repair shop. 

This technicality is not something I can control as a consumer, and I provided all documentation available. Despite multiple attempts to resolve this directly with XXXX, they continue to refuse to honor the 3-year transmission warranty that applies to my vehicle. 

Because XXXX would not repair the transmission, I have been left without a vehicle for an extended period, disrupting my ability to work, care for family, and manage daily responsibilities. This has caused significant financial stress, increased transportation costs, and hardship connected to my ongoing vehicle payments. 

I believe XXXX XXXX XXXX is engaging in unfair and deceptive practices, including : Failing to honor a valid written warranty, Using unreasonable technicalities to deny coverage, Causing prolonged vehicle loss without remedy, Creating financial strain on a consumer who relied on the warranty when making the purchase. 


I respectfully request that the Consumer Financial Protection Bureau : 1. Review XXXX XXXX XXXX refusal to honor the transmission warranty. 


2. Determine whether Nissans conduct violates consumer protection standards related to auto financing and warranty obligations. 


3. Assist in ensuring XXXX repairs or replaces the transmission under the warranty. 


4. Require XXXX to compensate me for the extended time I have been without a vehicle, which has directly impacted my finances. 



I can provide all supporting documentation, including warranty details, service records, receipts, and communication attempts with XXXX. 

Thank you for your attention and assistance. I appreciate your help in resolving this matter. 

Sincerely, XXXX XXXX

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:
I am filing this formal complaint due to unauthorized inquiries in my credit report, made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ). These inquiries negatively impact my credit score and do not fulfill any permissible purposes as defined by law. 
Details of Disputed Inquiries : The following disputed inquiries have been verified by the creditors as conducted without my knowledge or authorization : Creditor/Institution : XXXX XXXX  Date of Inquiry : XXXX XX/XX/XXXX Specific Violations of the FCRA and XXXX Basis : XXXX. Permissible Purposes ( FCRA, XXXX U.S.C. XXXX ) : Credit inquiries must be conducted only for permissible purposes under the FCRA. The inquiries listed do not meet these purposes. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that accessing a credit report without a permissible purpose violates the FCRA. 
XXXX. Obligation to Investigate and Correct ( FCRA, XXXX U.S.C. XXXX ) : The FCRA requires credit bureaus to correct any inaccurate or unverifiable information. These unauthorized inquiries should be removed under this provision. 
XXXX. Protection Against Identity Theft ( FCRA, XXXX U.S.C. XXXX ) : Since these inquiries were unauthorized, they may pose a potential risk of identity theft. The FCRA provides additional protections to prevent unauthorized inquiries that could indicate fraud.

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: AL

Complaint narrative:
I am filing this complaint as a consumer seeking an investigation into inaccurate and/or unverifiable information being reported on my credit file. I have disputed the following items with the respective credit bureaus, but they remain uncorrected or have not been properly verified in compliance with the Fair Credit Reporting Act ( FCRA ). 


Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Experian continues to report accounts and inquiries that I do not recognize or that are inaccurately dated. Some inquiries were not authorized, and others are being reported outside of the standard permissible purpose period. I request that Experian conduct a full reinvestigation and provide documentation showing permissible purpose and creditor verification.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Above Lending, Inc.
State: FL

Complaint narrative:
I was a victim of a romance scam with using my credit card. Once I realized I was scammed I seeked assistance to resolve this debt. I had the company " XXXX XXXX '' managing my credit card debt with XXXX creditors. Half way through the program they said they had a " good deal '' for me and sent me to " Above Lending '' to finish my debt. The loan they set me up with has NOT helped me get out of debt but has made it worse. On XX/XX/year> I called the company to understand what has been happening with this loan. I was told that the loan originated on XX/XX/year> for an amount of {$33000.00}. Now the payoff for this debt is {$33000.00}. When speaking with the company I asked when this debt would go down? They did not answer and hung up on me. Next I emailed them my concern. I then called my bank to stop all future payments with that company. On XX/XX/year> I emailed them to complain. I also called " XXXX XXXX '' to tell them to stop using " Above Lending XXXX XXXX XXXX XXXXXX/XX/year> I received an email from " Above Lending '' telling me that the original payoff amound started at {$35000.00}. I am very upset as I was when I needed to ask for help in the beginning. I am now in the process to either go " bankrupt '' or seek a better option.

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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am disputing a collection account that LVNV Funding LLC is furnishing on my credit reports. The account appears on my credit file as : Creditor : LVNV Funding LLC Account number : ending in XXXX Date assigned : XX/XX/year> Reported balance : XXXX dollars I do not recognize this account and I do not have a valid contract or account with LVNV Funding LLC for this alleged debt. I have already disputed this information with the credit bureaus and requested that LVNV Funding LLC provide proper validation of the debt in compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

LVNV Funding LLC has failed to provide complete validation that proves I am legally responsible for this account. They have not provided a signed contract, a full payment history from the original creditor, or any other competent evidence that this debt is mine. Despite this, they continue to report the account on my credit file and it is damaging my credit standing. 

I am requesting that the CFPB investigate LVNV Funding LLC for : Attempting to collect a debt that is not owed by me. 
Continuing to report an unvalidated and disputed account. 
Failing to conduct a reasonable investigation and provide proper documentation after my disputes. 

I am asking that this collection account be deleted from all of my credit reports and that LVNV Funding LLC cease any collection activity unless and until they can provide full validation that the debt is mine and legally collectible. I also request that any negative information they reported regarding this account be removed and that I receive written confirmation of the results.

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: SC

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe to be inaccurate, incomplete, or outdated, as per the Fair Credit Reporting Act ( FCRA ). After reviewing my TransUnion credit report, I found the following accounts that contain discrepancies. Please investigate the below accounts and take appropriate action. 
Personal Information Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX XXXX. Inaccurate Account Information Account Name : XXXX Account Number : XXXX Status : Positive Date Opened/Reported : XX/XX/XXXX Balance : {$0.00} FCRA Violations : Under Section 1681e ( b ) of the FCRA, the information reported to consumer reporting agencies must be complete and accurate. The accounts listed above contain errors regarding the [ status, balance, or payment history ], which I dispute. Specifically, [ mention specific error ]. 
2. Failure to Remove Outdated Information Account Name : XXXX Account Number : XXXX Status : Paid Date Opened/Reported : XX/XX/XXXX Balance : {$0.00} FCRA Violations : Under Section 1681c of the FCRA, negative information should not remain on the credit report for longer than seven years. The account listed above exceeds this time frame, and I request that it be removed immediately. 
3. Failure to Report Correct Information Account Name : XXXX Account Number : XXXX Status : Negative Date of Last Activity : XX/XX/XXXX FCRA Violations : As per Section 1681i of the FCRA, when information is disputed, the consumer reporting agency must investigate and correct any errors. The account details are incorrect, and I request that this information be verified and updated to ensure compliance with the FCRA. 
4. Data Breach Concerns I am concerned that some of the discrepancies in the accounts may be due to a data breach. I respectfully request an investigation into the possibility of a data breach and that the affected accounts be 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 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:
The Fair Credit Reporting Act ( XXXX 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation