vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Advanced Recovery Group LLC
State: GA

Complaint narrative:
Supplement to Complaint ID XXXX XXXX XXXX XXXX XXXX. 
I am submitting additional evidence of ongoing misconduct. 
On XX/XX/year>, I directly informed XXXX XXXX of Advanced Recovery Group that I would be filing a grievance with the New York State Bar against XXXX XXXX and XXXX XXXX for knowingly misleading the court and weaponizing legal documents against an unserved individual. This notice was clear and on record. 
Despite this, on XX/XX/year>, XXXX XXXX responded to my CFPB-related correspondence by introducing another Advanced Recovery Group employee , XXXX XXXX , as my account manager, attempting to bypass my complaints and push for payment on the same disputed and improperly obtained judgment. 
This shows : Ongoing harassment through third-party debt collectors despite pending CFPB review . 
Willful disregard of my formal notice dated XX/XX/year>. 
An intentional pattern of outsourcing enforcement to debt collection agencies ( Advanced Recovery Group ) to intimidate and pressure me, even after being put on notice of misconduct. After disputing the validity of the judgment and service of process, attorney XXXX XXXX improperly referred my case to a third-party collection agency ( Advanced Recovery Group ) . On XX/XX/year>, I received the attached email from XXXX XXXX with multiple collectors copied ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ). This demonstrates an attempt to collect on a disputed judgment outside of court oversight, in violation of due process and debt collection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
This letter is a formal dispute of inaccurate information on my Experian credit report. Under FCRA 611, please reinvestigate the accounts below and delete them if unverifiable. 

Disputed Accounts : XXXX XXXX XXXX ( Acct ending XXXX ) Reports Charged off, {$35000.00} written off, {$16000.00} past due. Other bureaus list different balances and terms. This reporting is inconsistent and unverifiable. 

XXXX XXXX ( Acct ending XXXX ) Shown as Collection account, {$1400.00} past due as of XX/XX/XXXX. No payment history exists, and status conflicts with XXXX XXXX 

XXXX XXXX ( Lease ) ( Acct ending XXXX ) Charged off in XXXX with {$520.00} past due. The account is obsolete or nearing XXXX reporting limit. Bureau must provide DOFD or delete. 

XXXX XXXX XXXX ( Acct ending XXXX ) Listed as Collection account, {$1600.00} past due XX/XX/XXXX. Other bureaus list as paid/unpaid inconsistently. 

XXXX XXXX XXXX XXXX XXXX Bank ( Acct ending XXXX ) Listed as Debt Buyer/Collection account. Other bureaus list Open Account. Conflicting classifications invalidate reporting. 

XXXX. XXXX / XXXX XXXX ( Acct ending XXXX ) Status : Collection account, {$380.00} past due. Other bureaus report it as paid/closed. Contradictory = unverifiable.

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 2025-09-12 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:
I am filing this complaint regarding inaccurate reporting of student loans on my Experian and TransUnion credit reports. These accounts were discharged in full under the Borrower Defense Loan Discharge program by the U.S. Department of Education due to misconduct by XXXX XXXX XXXX. Despite being legally discharged, Experian and TransUnion continue to report the accounts as open with balances, which is misleading and damaging to my credit profile. 

I have supporting documentation that confirms the discharge. This includes a Department of Education approval letter dated XX/XX/year>, which confirms that my federal student loans were fully discharged and no further payments are required. I have also attached my Federal Student Aid Activity Report ( My Activity Borrower Defense ) showing that the XXXX loans have been processed as discharged with a balance of {$0.00}, as well as an email notification confirming that the discharge has been applied to my account. 

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of credit report information. Continued reporting of a discharged federal loan is inaccurate and violates this requirement. Additionally, under the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), furnishing or reporting information known to be false or misleading constitutes an unfair, deceptive, or abusive act or practice.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I wrote a check from my business, XXXX XXXX XXXX XXXX to two vendors on the same day. I mistakenly gave the wrong check to a vendor who then deposited into his Bank of America account, a complete accident on my part. Bank of America classified it as fraud and did not deposit the check into my vendors account but proceeded to take the funds from my account at XXXX. This was on XX/XX/2025, and Bank of America still hasnt returned the funds into my check issuer account. They essentially have stolen my funds at this point. The check number was 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 2025-09-12 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-12 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:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
Remove these inaccurate accounts as per the 15-day requirement in USC 1681g .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
As required by USC 1681g, delete these incorrect records within 15 days.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I HAVE REQUESTED THAT THE CREDIT REPORTING AGENCIES STOP FRAUDULENTLY REPORTING AND BARRAGING ME WITH VIRTUAL SPAM MESSAGES, ALERTS, AND NOTIFICATIONS AND THEY HAVE NOT STOPPED, ISSUED REDRESS, OR APPROPRIATELY REACHED OUT TO ME & HAS FAILED TO STOP BEING PREDATORY IN AN UNETHICAL, ILLEGAL, AND FRAUDULENT MANNER

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 2025-09-12 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-12 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-12 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:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion, XXXX XXXX XXXX have WILLFULLY AND KNOWINGLY abused " FRAUDULENT reports '' to deny a higher FiCO Score ( 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 non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> AND XX/XX/year>, I filed a dispute with TransUnion regarding account # XXXX reported by XXXX XXXX XXXX OF XXXX. The account is being inaccurately reported as XXXX. 30 days past due. I provided the information that XXXX XXXX, XXXX XXXX XXXX OF XXXX, and XXXX XXXX are the ones who handled this transaction and that i had no part in how long it took XXXX XXXX XXXX OF XXXX to get the finalized payment from XXXX and/or XXXX  XXXX XXXX but TransUnion denied my dispute without correcting the error. 

Under the Fair Credit Reporting Act, TransUnion is required to conduct a reasonable investigation and remove or correct inaccurate or unverifiable information. The continued reporting of this error has caused my credit score to drop and is negatively affecting my ability to obtain credit and fair terms. 

I request that the CFPB require TransUnion to either remove this inaccurate information or provide documented verification from the furnisher proving its 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 non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: IL

Complaint narrative:
This loan company is world finance company in XXXX XXXX Illinois they were notified by XXXX XXXX XXXX on XX/XX/XXXX that XXXX XXXX XXXX is the POA of my finances and they are starting to harass me by continuing to call me and my siblings to collect a debit when they are to be getting in touch with XXXX XXXX XXXX that will be taking care of them for me XXXX XXXX XXXX XXXX number XXXX bless day XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I am formally requesting the correction of the late payment inaccurately reflected on my credit report. My consistent payment history shows that this entry is incorrect. Its reporting misleads lenders and unfairly impacts my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
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 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 2025-09-12 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: 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 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 explanation
Consumer complaint received 2025-09-12 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXX of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-12 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-12 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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