vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: SD

Complaint narrative:
I cant locate the first paper sent but Honda financial sent me a bill saying I owe XXXX for prior damage done to the car before the accident I was in which ended up totaling the vehicle out because the airbags went off. I called the number on the paper and spoke to a guy asking him what the charges were for because there was nothing wrong with that car at all up to that point. Also if that car was totaled out what difference would it make if there actually were something wrong. I was then informed that they would look into it and call me back if they found that there was indeed something wrong. I didnt hear back at all until I got a letter saying they are sending the money owed to collections. I called in XXXX of XXXX and its now XXXX. They are also stating that the XXXX is the only thing not covered by insurance, or GAP insurance. Its also stating a payment was made for XXXX after the date of loss. On my XXXXXXXX XXXX  the max limit of liability is {$50000.00}. On a XXXX XXXX even at that amount would have covered it all before my insurance kicked in. Does not make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

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 2025-07-26 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: R.A.Rogers, Inc.
State: MD

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against R.A. Rogers , Inc. Collection regarding an account that does not belong to me. Despite my multiple disputes with all three major credit bureaus, they refuse to remove this erroneous entry from my credit report. This situation is causing significant harm to my creditworthiness and mental well-being.

Details of the account in question are as follows : - Creditor : R.A. Rogers , Inc. Collection I have previously disputed this account with the credit bureaus and provided documentation regarding my claims, but my requests have not been addressed adequately. To further substantiate my complaint, I am including a police report I filed with my local authorities, confirming that I am a victim of identity theft and fraud. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and request its removal from my credit report. Additionally, Maryland state law allows consumers to dispute fraudulent information on their credit reports, obligating creditors to investigate and rectify inaccuracies resulting from identity theft.

I request the following actions regarding this matter : 1. Immediate Removal : I ask that the CFPB investigate this complaint and take necessary action to ensure that R.A. Rogers , Inc. ceases reporting this account on my credit report. 
2. Confirmation of Actions : Please provide confirmation that this fraudulent information has been removed from my credit report.

Please acknowledge receipt of this complaint and keep me informed regarding the status of your investigation. I appreciate your attention to this serious issue and look forward to a swift resolution.

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: EQUIFAX, INC.
State: CT

Complaint narrative:
All 3 credit bureaus are refusing to report the following accounts as paid in full or current : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$370.00} XXXX XXXX ( auto loan account ) -bank is refusing to report the account current. Next payment is not due until XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
All 3 credit bureaus are refusing to report the following accounts as paid in full or current : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$370.00} XXXX XXXX ( auto loan account ) -bank is refusing to report the account current. Next payment is not due until XX/XX/

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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX I received an unauthorized text message from short code XXXX stating : Portfolio Recovery Associates, LLC-Debt Collector : Find a debt payment plan that works for you. Visit PRApay.com. Txt STOP to stop txts to this #. CALIFORNIA : License Number XXXX. 

I have never provided any form of consent to Portfolio Recovery Associates for text message communications. I did not sign any written agreement, never gave verbal consent during a phone call, never completed any electronic opt-in process, and did not provide my phone number directly to the company. This violates the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ), as the use of short code 71914 indicates the use of an automated telephone dialing system ( ATDS ) to contact my cellular phone without express consent.

Additionally, this contact is harassing and unauthorized under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d and 1692c ( a ) ( 1 ), which prohibit communications that are not expressly consented to and occur in a manner that is unfair, deceptive, or abusive.

Portfolio Recovery Associates is also furnishing multiple collection accounts to all three major credit reporting agencies during the period of unlawful collection activity. Specifically, they are reporting a XXXXXXXX XXXX account for {$3300.00} and a XXXX XXXXXXXX account for {$730.00} to XXXX XXXX XXXX XXXX  Because these accounts are being reported during a period in which the company is violating federal collection laws, their reporting can not be considered accurate, complete, or legally authorized. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and related provisions, which require furnishers to report only truthful, accurate, and non-misleading information. 

This demonstrates a systematic and willful pattern of noncompliance with federal law. As of XX/XX/year>, Portfolio Recovery has continued to add new tradelines to my credit reports while violating consumer protection statutes, showing reckless disregard for federal compliance obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
This letter serves as a formal demand for deletion of multiple derogatory accounts that remain on my credit reports, despite my previous disputes and complaints filed with both your agencies and the Consumer Financial Protection Bureau ( CFPB ).

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to conduct a reasonable reinvestigation of any disputed information to determine whether it is inaccurate. However, you have failed to do so. Instead, your agencies have merely forwarded my disputes to the data furnishers and accepted their response without question or further inquiry.

In responses to my prior CFPB complaints, your agencies explicitly stated that you simply relayed the dispute to the furnisher and did not conduct any independent verification. This constitutes a direct violation of federal law. The FCRA requires more than passive forwarding it demands a reasonable and fair reinvestigation. 

The courts have affirmed this in Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. XXXX  ), where it was held that a credit reporting agency may not rely solely on the data furnishers verification and must itself make a reasonable effort to determine accuracy.

Because you failed to properly investigate and relied solely on the furnishers word and further acknowledged this in writing via your CFPB complaint responses I am demanding the immediate deletion of the following derogatory accounts from all three credit bureaus : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your failure to conduct a proper reinvestigation has caused ongoing damage to my creditworthiness, and emotional distress, and is actionable under 15 U.S.C. 1681n & 1681o for willful and negligent noncompliance.

If these items are not deleted immediately, I will pursue legal remedies and request further enforcement action through the CFPB, state attorney general, and other applicable authorities.

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 2025-07-26 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:
This letter serves as a formal demand for deletion of multiple derogatory accounts that remain on my credit reports, despite my previous disputes and complaints filed with both your agencies and the Consumer Financial Protection Bureau ( CFPB ).

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to conduct a reasonable reinvestigation of any disputed information to determine whether it is inaccurate. However, you have failed to do so. Instead, your agencies have merely forwarded my disputes to the data furnishers and accepted their response without question or further inquiry.

In responses to my prior CFPB complaints, your agencies explicitly stated that you simply relayed the dispute to the furnisher and did not conduct any independent verification. This constitutes a direct violation of federal law. The FCRA requires more than passive forwarding it demands a reasonable and fair reinvestigation. 

The courts have affirmed this in Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. XXXX  ), where it was held that a credit reporting agency may not rely solely on the data furnishers verification and must itself make a reasonable effort to determine accuracy.

Because you failed to properly investigate and relied solely on the furnishers word and further acknowledged this in writing via your CFPB complaint responses I am demanding the immediate deletion of the following derogatory accounts from all three credit bureaus : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your failure to conduct a proper reinvestigation has caused ongoing damage to my creditworthiness, and emotional distress, and is actionable under 15 U.S.C. 1681n & 1681o for willful and negligent noncompliance.

If these items are not deleted immediately, I will pursue legal remedies and request further enforcement action through the CFPB, state attorney general, and other applicable authorities.

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 2025-07-26 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the eve
nt 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 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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am formally disputing inaccurate and misleading credit reporting by LVNV Funding LLC. 

The tradeline reported ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX is incorrect and in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX guidelines, and e-OSCAR dispute standards. 

Specific issues include : Conflicting and dual-status reporting as Chargeoff and Collection Missing required payment history and terms Misstated Date of Last Activity Inaccurate or blank fields that misrepresent the account Reporting OK status while in derogatory condition ( prior report ) I disputed this directly with LVNV Funding LLC , requesting deletion and compensation for {$1000.00}. I did not receive proper resolution within the required 15-day period. 

I demand that CFPB enforce FCRA and FDCPA rules to require deletion of this tradeline from all CRAs and take appropriate enforcement against LVNV Funding LLC. 

I am formally disputing inaccurate and misleading credit reporting by LVNV Funding LLC on my credit report ( Account # : XXXXXXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ). 

LVNV Funding is reporting a tradeline that violates FCRA, FDCPA, XXXX XXXX, and e-OSCAR standards. Specifically : Account is labeled both as Chargeoff and Collection ( XXXX XXXX violation dual status reporting is not allowed ). 

Monthly Payment and Terms fields are blank or listed as - ( required fields under XXXX XXXX ). 

Past Due amount is missing despite a reported balance of {$530.00} ( XXXX XXXX violation ). 

Date Last Active equals Last Reported Date, which is inaccurate and violates XXXX XXXX guidance.

24-month payment history is entirely blank.

Comment section says meets FCRA requirements without any documentation or response to my prior dispute, which violates FCRA 1681s-2 ( b ).

These errors have damaged my credit and financial standing. I previously submitted a written dispute directly to LVNV Funding LLC demanding deletion of this tradeline and {$1000.00} in compensation. They have failed to respond or correct the information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

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 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 2025-07-26 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: 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 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