vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: IN

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: HI

Complaint narrative:
In XX/XX/XXXX, my XXXX XXXX was destroyed in the XXXX fire, and I barely escaped with my life. I lost my home, belongings, and financial stability. My Nissan loan account now shows a {$0.00} balance, but no collector has contacted me, and Nissan refuses to disclose the current owner or assignee. Over the past three weeks, I have called multiple times, only to be transferred between departments, hung up on, or told system outages prevent them from providing the information. I have requested in writing confirmation of the current owner/assignee, a post-sale accounting/deficiency statement, and verification of credit reporting, but Nissan has not provided this information. Their failure to respond prevents me from paying the correct party, accurately resolving the account, and rebuilding my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: KY

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XX/XX/XXXX - {$1300.00} XXXX XXXX - XX/XX/XXXX - {$2300.00} XXXX  XXXX - XX/XX/XXXX - {$1800.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$4800.00} XXXX  XXXX XXXX XX/XX/XXXX - {$16000.00} XXXX  XXXX XXXX XX/XX/XXXX - {$10000.00} XXXX  XXXX XXXX XX/XX/XXXX - {$7100.00} XXXX - XX/XX/XXXX - {$2100.00} XXXX - XX/XX/XXXX - {$1200.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$7200.00} XXXX - XX/XX/XXXX - {$2200.00} XXXX  XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX  - XX/XX/XXXX - {$7700.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX - {$2500.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$11000.00} XXXX  - XX/XX/XXXX - {$0.00} Hard Inquiries : XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
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 2025-11-07 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: TX

Complaint narrative:
The disputed entry is inconsistent with my payment history and contains inaccuracies. I respectfully request that it 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 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
I reached out to Mariner Finance because Im going through a difficult financial period and needed help to stay current on my loan. I asked for a simple hardship plan so I wouldnt fall behind. 

Instead of offering assistance, the representative XXXX from the XXXX branch told me the only option available was to take out a cash out loan or refinance my current one. This would increase my balance, extend my term, and add more interest and fees. It felt like I was being forced to borrow more money when I was already struggling to manage what I owe. 

I believe this is unfair and misleading. A financial hardship option request should not result in pressure to open a new loan. Im asking for Mariner Finance to review my case and provide a real hardship option. One that helps me stay afloat rather than putting me deeper in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This credit card debt that they are trying to collect is not on my credit profile and was removed. I received a letter in the mail in XXXX. I received a email on XX/XX/year>. I sent a debt validation letter on XXXX certified mail and it was received on XX/XX/year>. I received a email today on XX/XX/year>, before I received any response or proof of debt validation. 

Midland Credit Management , Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Re : Request for Validation of Alleged Debt / Dispute of Account To Whom It May Concern, I am writing in response to your attempt to collect on the alleged debt referenced as [ Account ending in XXXX ]. I dispute this account in its entirety and request full validation as provided by law. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request verification of the debt, and you are required to provide the following before any further collection activity : Proof of Ownership Documentation that establishes the alleged debt is legally mine, including a copy of the original signed agreement or contract. 


Proof of Right to Collect in Pennsylvania Documentation showing that your agency is authorized and licensed to collect debts in the XXXX of Pennsylvania ( 73 P.S. 2270.1 et seq., Pennsylvania Fair Credit Extension Uniformity Act ).

Proof of Chain of Title/Assignment Complete documentation of the transfer and assignment of the account from the original creditor through any intermediaries, establishing your legal standing to collect. 


Detailed Accounting An itemized statement of the alleged debt, including original balance, payments made, fees, and interest applied. 


Until you provide the above, you must cease all collection activities, including reporting this account to the credit bureaus. Any attempt to collect without providing this proof is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires accuracy and verification of disputed information. 
If you can not provide the required documentation, you must immediately remove this account from my credit report and cease further contact. 
Please respond within 30 days of receipt as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
I am a consumer who is actively working to correct my credit report, and I am disputing the following items with the respective credit bureaus. I respectfully request that these items be thoroughly investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} LATE PAYMENT XXXX XXXX XXXX XXXXXXXX Account Number : 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 2025-11-07 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:
I am submitting this dispute for several accounts and inquiries that appear on my Experian credit report. I request your investigation into these items and kindly ask for their removal or correction if they can not be verified. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX Account Number : 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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am disputing a garnishment applied to my account. The garnishment is invalid because I was never properly served notice of the alleged debt. Despite instructions from the law firm XXXX XXXX, XXXX. to contact the bank, U.S. Bank has not assisted me. Calls are repeatedly dropped, I am transferred incorrectly, and customer service refuses to provide documentation or connect me with the legal department. This garnishment remains unresolved and is causing financial and 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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was charged a late fee even though I submitted the payment the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am disputing the following accounts and inquiries listed on my TransUnion credit report. I request an investigation into these items, and respectfully ask for their correction or removal if they can not be verified. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX Card Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I submitted a factual dispute to Equifax more than 40 days ago concerning accounts that are being inaccurately reported on my credit report. Despite my timely submission and supporting documents, Equifax has not corrected or removed the inaccurate items. The accounts remain the same, indicating that Equifax may not have conducted a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). This lack of action continues to cause harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: AZ

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-07 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: NV

Complaint narrative:
I have reason to believe these accounts were fraudulently established. I did not authorize them, and I formally request their removal and prompt investigation. Supporting records are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] 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 unlawfulXXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : EQ : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CO

Complaint narrative:
I am disputing the following items on my TransUnion credit report. These accounts are inaccurately reported as charged off, and I request that they be verified, or if not, removed from my credit report : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1600.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1900.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$17000.00} Late Payment Accounts : 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 2025-11-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to proce
ss the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/year>, two Affirm accounts appeared on my XXXX  credit report showing as collections for {$220.00} and {$180.00}. Both accounts list the same open date but different balances. I have never opened or used any Affirm or buy-now-pay-later accounts. 

I filed an FTC Identity Theft Report in XX/XX/year> and submitted multiple disputes to Affirm and XXXX, as well as prior CFPB complaints, requesting permanent deletion under FCRA 605B. Despite this, Affirm continues to re-report the same fraudulent accounts, sometimes showing them as paid or current, then reversing them back to collection. 

This repeated re-reporting and status changing constitutes re-aging and continued furnishing of fraudulent information in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 605B. XXXX  also continues to display the accounts as verified, even after receiving identity-theft documentation. 

I am requesting an immediate investigation, permanent deletion of both Affirm tradelines from XXXX, and confirmation that Affirm will cease furnishing false data moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations 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 explanation
Consumer complaint received 2025-11-07 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:
I demand immediate deletion of the disputed accounts and verification of compliance with federal law. I also seek full investigation into the bureaus willful violations and request penalties and damages as allowed 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