vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
I am referencing a previous complaint, XXXX. 

I am also referencing the 2020 CFPB XXXX order against XXXX XXXX XXXX XXXX ( XXXX ), which addressed the same behaviors I am experiencing now. The CFPB found that XXXX restricted access to lowercost payment methods, charged improper payment fees, and engaged in unfair and deceptive servicing practices. These issues have continued despite the order. 

Since the beginning of this loan, XXXX has repeatedly made it nearly impossible for me and/or the coborrower to submit payments on time, despite advertising accessible payment options. Specifically : XXXX. XXXX regularly sends text messages and emails stating that payments can be made online, but when we attempt to use the portal, it displays that the account is locked. 
XXXX. When we attempt to pay through the automated phone system, the system disconnects immediately after entering the payment information, preventing completion of the transaction. And, XXXX. When a payment is finally accepted, XXXX charges an additional processing fee effectively penalizing us for using the only method they allow to function. 

This pattern has occurred month after month, creating a situation where timely payment is practically impossible despite every goodfaith effort on our part. As a result, XXXX has reported late payments to the credit bureaus, causing damage to my credit profile and financial standing. XXXX also attaches late fees to the loan amount due to the situation they created. 

This conduct is unfair, deceptive, and abusive. I believe it violates the Fair Credit Reporting Act ( FCRA ), and XXXX also violate the Fair Debt Collection Practices Act ( FDCPA ) and XXXX  standards enforced by the CFPB. It also appears to be in direct conflict with the requirements of the 2020 CFPB consent order, which XXXX is obligated to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-23 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 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. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-12-23 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: UT

Complaint narrative:
Public records ( XXXX XXXX violations 15 U.S code 1681 a ( XXXX ) Transunion, XXXX XXXX XX/XX/year> Dispute closed ( no change )

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On or about XX/XX/year> I paid off my XXXX ending in XXXX totaling {$720.00}. On XX/XX/year> I received an alert from XXXX XXXX I have late payment on a XXXX  XXXX credit card. I called XXXX XXXXXXXX immediately and was told I didnt pay interest of {$16.00} and that caused a late payment also. I explained to the agent I thought I paid the account in full and I never received a statement or any other communication that I owed a balance. I have never been late and would have paid the {$16.00} if I had received a statement, email or anything showing I owed the payment! Now XXXX trying to buy a house and its showing I have a late payment all over {$16.00}, along with other fees that I paid immediately on XX/XX/year> a total of {$67.00} with an agent XXXX that should bring me to a {$0.00} balance for a XXXX time to avoid any more delinquent reporting to credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
On or about XX/XX/year> I paid off my XXXX ending in XXXX totaling {$720.00}. On XX/XX/year> I received an alert from XXXX XXXX I have late payment on a XXXX XXXXXXXX credit card. I called XXXX XXXXXXXX immediately and was told I didnt pay interest of {$16.00} and that caused a late payment also. I explained to the agent I thought I paid the account in full and I never received a statement or any other communication that I owed a balance. I have never been late and would have paid the {$16.00} if I had received a statement, email or anything showing I owed the payment! Now XXXX trying to buy a house and its showing I have a late payment all over {$16.00}, along with other fees that I paid immediately on XX/XX/year> a total of {$67.00} with an agent XXXX that should bring me to a {$0.00} balance for a XXXX time to avoid any more delinquent reporting to credit bureau.

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 2025-12-23 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: TX

Complaint narrative:
These accounts are not attributable to me and must be deleted within 15 days pursuant to USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

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 2025-12-23 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-12-23 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: NC

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 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Consumer Information Name : XXXX XXXX XXXX XXXX : Florida Contact Method Used by Collector : Text message to personal cellular phone Complaint Summary I am filing this complaint against Central Portfolio Control , Inc. ( CPC ), a third-party debt collector, for engaging in improper and potentially unlawful debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws.

On or about the date of this complaint, CPC sent an unsolicited text message to my personal cellular phone stating : This is Central Portfolio Control, a debt collector. To review offers regarding your account, visit www.PayCPC.com using Agency ID : XXXX or call XXXX. This is an attempt to collect a debt This message references an alleged debt without providing any prior written notice, validation, or meaningful disclosure, and pressures me to click a payment link or call immediately. 

Violations and Concerns XXXX. Failure to Provide Required Debt Validation Under 15 U.S.C. 1692g, a debt collector must provide written notice of the debt, including the amount, original creditor, and validation rights. CPC has not provided any validation of the alleged debt and instead initiated collection activity via text message. 

XXXX. Improper Use of Text Messaging CPC contacted me via text message without my prior consent and without establishing the validity of the alleged debt. This raises concerns under : FDCPA 1692c ( improper communication methods ) FDCPA 1692d and 1692e ( harassing, deceptive, or unfair practices ) Potential TCPA violations related to unsolicited electronic communications XXXX. Deceptive and Coercive Collection Tactics Directing a consumer to a payment website ( PayCPC.com ) before validating the debt is a coercive tactic designed to induce payment without proof of obligation. This practice is misleading and unfair. 

XXXX. Lack of Meaningful Disclosure The text message fails to identify : The original creditor The amount allegedly owed Whether the debt is time-barred CPCs authority to collect This omission prevents informed consumer decision-making. 

Consumer Harm CPCs actions caused : Unwanted and intrusive contact Confusion and stress regarding an unverified alleged debt Concern about improper reporting or escalation without validation These practices undermine consumer rights and protections guaranteed by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-12-23 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
Please review the materials included ; the inquiries were submitted without warning and might lack approval.

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 2025-12-23 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: NY

Complaint narrative:
I dispute the accuracy of the information provided by Experian regarding the following accounts. 

Charged Off : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-23 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: TX

Complaint narrative:
I am disputing the accuracy of the following accounts listed under the charged-off section. The balances or account statuses appear to be incorrect. Please review and correct these entries. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
THE LATE PAYMENTS REPORTED ARE NOT CORRECT AND DO NOT MATCH MY PAYMENT HISTORY.

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 2025-12-23 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase debited my account for a check I did not cash or deposit at Chase. They are unable to provide proof of disbursement. This appears to be a teller or posting error I went to cash my check to a chase branch on XX/XX/XXXX. I handed the teller my check and she ran it through the system. She stated since my account is negative then she can not cash it. She gave me the check back and told me I could cash it at XXXX XXXX. I went to the XXXX XXXX down the street and cashed check no problem. Then 2 days later my chase savings account is saying a negative XXXX for insufficient funds from the check I never cashed with chase.

Company response to consumer: Closed with explanation