vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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 writing to dispute several inaccurate and incomplete entries on my credit report. The following accounts are reported inaccurately across the major bureaus : Experian ( XXXX ), Please review the information below and correct the inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Dispute Reason : Inconsistent reporting and missing payment history. Requesting full verification. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Dispute Reason : Lack of verification for charge-off status and missing payment history. Requesting correction or removal. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Dispute Reason : Missing verification of charge-off status and payments. Requesting removal. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} Dispute Reason : Inaccurate reporting of account status. Requesting full verification. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Dispute Reason : Discrepancy in reported balance. Requesting verification. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} Dispute Reason : Incorrect charge-off status and reporting. Requesting verification of status and removal. 

Inquiries : XXXX Date Opened : XX/XX/XXXX Dispute Reason : Unauthorized inquiry. Requesting removal.

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 2025-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I leased a vehicle from Honda on XX/XX/year>. Immediately after taking the car, the brakes failed completely on XXXX separate occasions within the first 20 days, requiring emergency towing both times. The dealership was unable to fix it properly, and I no longer feel comfortable driving this vehicle, which is why I promptly requested a refund. The vehicle has been at the dealership since XX/XX/year>, following the last repair attempt. 

The dealership stated that refund requests must be handled directly with Honda, but the company refuses to reach a conclusion. Despite having the vehicle in my possession for only about 10 days in XXXX, I am still being forced to pay both the monthly lease and the mandatory insurance on a vehicle that was never operational as designed. 

So far, I have filed formal complaints with the Better Business Bureau, the XXXX, and Honda XXXX, but none have responded. I am now filing a complaint with the Consumer Financial Protection Bureau against Honda Financial, as they continue to charge the lease monthly despite the vehicle being unusable. I need assistance to stop these payments immediately and obtain a full refund from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency Avante has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
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 non-monetary relief
Consumer complaint received 2025-11-04 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Paypal Cashback Mastercard does not apply payment for over 15 days, meaning that my available credit stays next to XXXX and I'm unable to use the card -- it was never disclosed to me that this might be the case.

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 2025-11-04 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, requesting a reinvestigation and deletion of an inaccurate or unverified account that is appearing on my credit report.

I believe this account is inaccurate, incomplete, or unverifiable. I have no record, documentation, or contractual agreement supporting this debt, and it may be the result of an error or identity misuse. 
I understand that the FTCs XXXX system is currently unavailable due to the federal government shutdown, which prevents consumers from generating or submitting an FTC Identity Theft Report. Because of this, I am proceeding under my FCRA rights to dispute and request deletion of unverifiable data directly through this CFPB complaint. 

Under 15 U.S.C. 1681i ( a ), the credit bureau is required to conduct a reasonable reinvestigation and delete or correct any information that can not be verified within 30 days.

Under 1681s-2 ( b ), the furnisher of the information is also required to investigate and update or remove any data found to be inaccurate or incomplete. 

Please provide : The name and contact information of each furnisher used to verify this account ; and Copies of any documentation used to verify the accounts accuracy. 
If the account can not be verified within the required timeframe, it must be deleted from my credit file. Failure to comply will be considered a violation of federal law and may result in formal follow-up complaints with the CFPB, FTC, and my state attorney generals office once federal operations resume. 
Thank you for your prompt attention. I request written confirmation of your findings and an updated report reflecting the results of your reinvestigation.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Re : Formal Notice and Demand for Deletion and Compliance Verification CFPB Case Reference : XXXX Subject : False Bankruptcy Record Federal XX/XX/XXXX To Whom It May Concern, I am submitting this formal complaint regarding the unlawful reporting and continued dissemination of a false bankruptcy record through LexisNexis Risk Solutions and its affiliated data resellers, which has resulted in reputational and financial harm to my consumer credit profile. 

According to LexisNexis own correspondence dated XX/XX/XXXX, provided in response to CFPB Case # XXXX, LexisNexis explicitly confirmed that no bankruptcy record exists in my file and that the alleged Case No. XXXX could not be located in any verified database. This constitutes an official admission that the bankruptcy information distributed to the national credit bureaus was never sourced from a federal court, never verified for authenticity, and therefore never lawfully reportable under the Fair Credit Reporting Act ( FCRA ). 

LexisNexis Own Admission Your letter stated : LexisNexis did not locate the following records listed below in the consumers file Case number XXXX. 

This acknowledgment confirms there was never a verified bankruptcy associated with my name or Social Security Number. Despite this, LexisNexis affiliated resellers including XXXX, XXXX Bankruptcy Risk Solutions, and related vendors furnished this false data to the national credit bureaus, causing a public record entry to appear on my consumer reports without lawful verification or permissible purpose. 

Legal Violations and Compliance Failures The continued circulation of this false bankruptcy record violates multiple federal statutes and XXXX standards : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy in consumer files.

FCRA 1681i ( a ) ( 1 ) : Failure to reinvestigate and correct inaccurate consumer data within 30 days.

FCRA 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information following reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known, or that should have been known, to be inaccurate.

FCRA 603 ( d ) & 607 ( b ) : Failure to exercise due diligence in data verification before dissemination. 

XXXX XXXX XXXX and XXXX : Violation of standardized field-level accuracy, data consistency, and permissible-purpose reporting requirements. 

The data reseller relationship between LexisNexis and its partners imposes an enhanced duty of verification before any record distribution. By forwarding unverified bankruptcy data after confirming its nonexistence, LexisNexis has demonstrated reckless disregard for federal compliance and consumer data integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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 unlawfulSessa v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( U.S. 2024 ) held no entity is immune from FCRA liability ; and Norman v. TransUnion, LLC ( E.D. Pa. 2023 ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I received a federal grant from the XXXX to help pay off my student loans. The XXXX made quarterly payments on my loan for roughly 6 years. The check for the final payment was sent from the XXXX to XXXX XXXX XXXX XXXX ( my loan servicer ) on XX/XX/year>. The check was said to be received on XX/XX/year>. However, that payment was not applied to my loan. I contacted the XXXX on XX/XX/year> to get information about the check. They told me that the check was deposited by Firstmark on XX/XX/year>. They provided me with a copy of the check and confirmed the check number. I provided Firstmark with this information and they applied the check and I received a " paid in full '' notification from Firstmark on XX/XX/year>. Since then, my loan has been pulled back into repayment several times. I have received more paid in full notices and requested transaction histories to show that the account was paid in full, but Firstmark keeps pulling my loan back into repayment. Since XX/XX/year>, I have been in a cycle of putting the loan in forbearance for this to go to 'research ', with no communication ever coming from research and no resolution ever being reached. This is completely unacceptable. I have wasted so much time and effort trying to resolve this. Meanwhile, the loan that should be fully paid off is accruing interest while Firstmark does nothing to help me resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-04 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: AZ

Complaint narrative:
These accounts are unconnected to me ; remove them within 15 days following USC 1681g regulations.

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 2025-11-04 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

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 response to consumer: Closed with non-monetary relief