The exponential growth of the Internet of Things (IoT) has significantly increased the complexity and volume of cybersecurity threats, necessitating the development of advanced, scalable, and interpretable security frameworks. This paper presents an innovative, comprehensive framework for real-time IoT attack detection and response that leverages Machine Learning (ML), Explainable AI (XAI), and Large Language Models (LLM). By integrating XAI techniques such as SHAP (SHapley Additive exPlanations) and LIME (Local Interpretable Model-agnostic Explanations) with a model-independent architecture, we ensure our framework's adaptability across various ML algorithms. Additionally, the incorporation of LLMs enhances the interpretability and accessibility of detection decisions, providing system administrators with actionable, human-understandable explanations of detected threats. Our end-to-end framework not only facilitates a seamless transition from model development to deployment but also represents a real-world application capability that is often lacking in existing research. Based on our experiments with the CIC-IOT-2023 dataset \cite{neto2023ciciot2023}, Gemini and OPENAI LLMS demonstrate unique strengths in attack mitigation: Gemini offers precise, focused strategies, while OPENAI provides extensive, in-depth security measures. Incorporating SHAP and LIME algorithms within XAI provides comprehensive insights into attack detection, emphasizing opportunities for model improvement through detailed feature analysis, fine-tuning, and the adaptation of misclassifications to enhance accuracy.