vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I am filing this complaint against Nissan Motor Acceptance Company ( XXXX ) regarding an auto loan issued on XX/XX/XXXX for a used XXXX XXXX XXXX XXXX. The vehicle was purchased for {$44000.00}, and I paid {$7000.00} down. The amount financed was {$41000.00}, with an APR of 13.04 % and a total repayment obligation of {$57000.00} over 60 months. My monthly payment is {$950.00}. 

As of XX/XX/XXXX, I have made 18 consecutive on-time payments totaling {$17000.00}, in addition to the {$7000.00} down paymentbringing my total paid amount to {$24000.00}. Despite this, XXXX shows my payoff balance as {$33000.00}. That means Ive paid over {$24000.00} and still owe more than 80 % of the original loan amount. This structure is designed to trap borrowers in negative equity and is predatory in nature. 

I never received clear amortization schedules or a proper explanation of how little my payments would reduce the principal due to front-loaded interest. This structure violates the principles of fairness under the Truth in Lending Act ( TILA ) and UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ). Additionally, XXXX has refused to provide a full breakdown of how each of my 18 payments were applied toward principal vs. interest. 

When I raised this issue via the XXXX  and CFPB previously, XXXX responded that they were not responsible because they did not originate the loanbut they are the holder, administrator, and collector, and thus legally liable under the FTC Holder Rule and related statutes. They continue to collect payments under these abusive terms and refuse to negotiate or provide relief.

I am requesting the following : 1. A full investigation into the loan terms, APR justification, and amortization schedule 2. A complete payment history showing principal vs. interest applied 3. An enforced settlement or loan reduction based on the value already paid 4. Accountability for deceptive financing, excessive interest, and front-loaded payment structure This type of lending behavior disproportionately affects borrowers who are unaware of amortization and interest front-loading, and it enables lenders to profit far beyond what is fair or justifiable for a used vehicle loan. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

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 2025-07-31 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I submitted a formal debt validation request regarding XXXX accounts listed by Portfolio Recovery Associates, ending in XXXX and XXXX. They responded by stating they would cease communication but did not provide complete validation documentation as required under FDCPA 809 ( b ).

Additionally, the account ending in XXXX was removed, suggesting a lack of sufficient documentation. Yet, the account ending in XXXX continues to be reported despite being disputed and lacking full validation. 
Reporting a debt without full validation while ignoring the cease and desist notice is a direct violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 3 ) ) and Fair Debt Collection Practices Act ( FDCPA 809 ).

This continued reporting and failure to validate has caused harm to my credit standing, obstructed access to credit opportunities, and constitutes negligent and willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-31 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: CA

Complaint narrative:
These queries were not anticipated or authorized. Promptly check the relevant documentation.

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 2025-07-31 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:
These inquiries lack pre-authorization. Act quickly and examine the documentation.

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 2025-07-31 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: CT

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

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 2025-07-31 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: NC

Complaint narrative:
My Experian credit file contains XXXX separate Social Security Numbers, which indicates a mixed file or identity contamination. This is a grave violation of the FCRA 1681e ( b ), which requires maximum possible accuracy. On XX/XX/year>, I submitted a formal dispute demanding immediate removal of all negative items that can not be verified with my correct SSN. I also requested : A full reinvestigation of my credit file, Deletion of any unverifiable accounts tied to the incorrect SSN, A listing of all furnishers who accessed or updated my file in the past 24 months, and creation of a segregated file tied only to my correct identity. Experian has failed to validate the disputed accounts or ensure the accuracy of my personal information. The continued reporting of accounts tied to the wrong SSN is causing serious financial harm.

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 2025-07-31 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: NY

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I had received a letter in the mail dated XX/XX/year> from a debt collection company called XXXX XXXX XXXX asking me to pay an alleged debt amount of {$1700.00} from a credit card called XXXX. I sent a written debt dispute/debt validation request to XXXX, XXXX XXXX XXXX on XX/XX/year>. Within a week or two from my debt validation request sent to XXXX XXXX XXXX. I received a letter from Jefferson Capital Services ( a debt collector connected with XXXX XXXX XXXX ) in which they stated that they " have been UNABLE to resolve my request [ for the debt dispute/debt validation ] ''. I contacted XXXX  by phone and online on XX/XX/year> regarding the debt validation letter, and I explained that Jefferson Capital Services stated in a written letter to me that they " have been UNABLE to resolve my request [ for the debt dispute/debt validation ] ''. In my communications to XXXX  I asked them to remove Jefferson Capital Services from my XXXX  credit report due to their inability to validate this alleged debt within the 30-day period as stated in the law. XXXX  informed me that I would have to wait 30 days ( in addition to the original 30 days ) for Jefferson Capital Services to either validate or fail to validate the alleged debt with XXXX. So, this now gives Jefferson Capital Services a total of 60 days to attempt to validate the alleged debt ( which they already stated that they were unable to validate ), and this doesn't follow the 30-day requirement to validate ( or fail to validate ) a debt. It has now been 32 days since I sent the debt dispute/debt validation request during which time Jefferson Capital Services was `` unable to resolve my debt dispute request ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AR

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CT

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 2025-07-31 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: CT

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am a long-standing customer of TD Bank, and my account number ends in XXXX. In late XXXX and early XXXX, I was manipulated by an organized online scam posing as a legitimate trading platform. This fraudulent scheme misled me into transferring funds under the false pretense of investment opportunities. By the time I realized I was being deceived, I had already transferred {$72000.00} USD through XXXX separate wire transfers to accounts held in XXXX XXXX jurisdiction I had never previously transacted with. 
On XX/XX/XXXX, I submitted a comprehensive letter to TD Bank, outlining the full details of the scam, the timeline of events, and the critical need to initiate a wire recall to the beneficiary banks in XXXX XXXX. This request was directed to TD Bank 's Wire Recall Department and Customer Support via their official email ( XXXX ) and physical address at XXXX XXXX XXXX, XXXX XXXX, NJ. 
To date, TD Bank has not provided any acknowledgment, update, or resolution regarding my complaint. There has been no confirmation of receipt, no indication that a wire recall was initiated, and no communication whatsoeverdespite the fact that I am a direct victim of a well-documented financial crime. This complete failure of duty of care by the bank is deeply concerning. 
Additionally, TD Bank failed to flag or question the highly suspicious nature of the transactions at the time they occurred. The wires were : Substantial in value, totaling {$72000.00} XXXXfar outside my regular transaction patterns. 
Directed to foreign bank accounts in XXXX XXXX, a destination I had never interacted with before. 
Processed without additional verification, warnings, or customer checks, even though these types of transactions fit the well-known red flags associated with fraudulent activity. 
I believe this shows clear deficiencies in TD Banks internal transaction monitoring systems, a failure to comply with Anti-Money Laundering ( AML ) and Customer Due Diligence ( CDD ) obligations, and a broader failure to protect me as a consumer from financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I did not authorize these accounts, as they were fraudulently opened, and I request their removal from my credit report within 15 days pursuant to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: WI

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