vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
I am disputing inaccurate and unverifiable information on my Experian credit report. Despite several attempts to resolve these issues directly with Experian, they have failed to properly validate or investigate the disputed items, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 611. 

I request that the CFPB assist in ensuring that Experian removes any unverifiable items from my credit report. 

Charged Off Accounts in Dispute ( EX ) XXXX XXXX XXXX XXXX XXXX {$260.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$430.00} These accounts are reported inaccurately, and Experian has XXXX to provide sufficient documentation or verification. 

Inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquiries are inaccurately reported, and I request their removal unless properly validated. 

Late Payments ( EX ) XXXX XXXX XXXX XXXXXXXX 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 2025-11-18 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: 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 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 2025-11-18 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 15 U.S.C, 1681section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2025-11-18 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-18 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:
I am filing this complaint because Experian is reporting inaccurate or unverifiable information that needs to be corrected. 

XXXX. Charged Off Disputed The following charged-off accounts are inaccurately reported : XXXX XXXX XXXX XXXXXXXX, Acct # : XXXX, Date Open : XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX Acct # : XXXX, Date Open : XXXX, Balance : {$0.00} These accounts need to be verified or removed if they can not be properly documented. 

XXXX. Inquiries Disputed The following inquiry was made without my consent and should be removed : XXXX XXXX XXXX, Date Open : XXXX This inquiry was made without authorization and should be removed from my credit report. 

XXXX. Positive Accounts There are no issues with positive accounts at this time. 

XXXX. Late Payment Disputed The following late payment is inaccurately reported : XXXX XXXX XXXX, Acct # : 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 2025-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-18 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third pa
rty any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or 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 2025-11-18 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:
I am requesting immediate escalation due to NEW violations that occurred immediately after CFPB notified me that my rebuttal was received and sent to the company. Within minutes of receiving the CFPB confirmation, I was hit with 3 phone calls, 2 text messages, and 2 emails. This is direct retaliation and harassment triggered by the CFPB process.

This behavior has caused severe anxiety and emotional distress. 

XXXX. RETALIATION AFTER CFPB SENT MY RESPONSE As soon as CFPB emailed me saying Thank you for responding, we will forward your comments to the company, Advanced Recovery Group immediately began contacting me aggressively.

This timing is deliberate and retaliatory.

2. ILLEGAL STATEMENT RECORDED On the recorded call, the representative clearly stated : Keep making complaints they cant do nothing.

This statement : discourages me from filing complaints interferes with the CFPB process is retaliatory is abusive is deceptive is designed to intimidate me This is a serious violation of my consumer rights.

3. FALSE STATEMENTS ABOUT FEDERAL LAW On the same call, the representative repeatedly said : FDCPA doesnt apply. This is not consumer debt.

This is false and misleading.

The company : is contacting my personal phone is demanding personal payment is sending aggressive texts is threatening judgments and XXXX liens is targeting me individually This IS consumer collection conduct, and UDAAP applies regardless.

4. HARASSING MESSAGES I received text messages saying : Let us know your daily or weekly plan.

Hanging up wont pay this debt.

Youre clearly avoiding paying this.

This is abusive, coercive, and intimidating.

5. EVIDENCE SUMMARY ( Attached Screenshots ) Call Log ( 3 Calls ) Back-to-back calls immediately after CFPB sent my rebuttal XXXX 

Transcribed Messages ( XXXX Pieces ) Voicemails showing aggression, false statements, and intimidation. 

Text Messages ( XXXX Messages ) Threats, pressure, and coercion during an active dispute. 

Emails ( XXXX Emails ) Harassing follow-up emails demanding payment immediately after receiving the CFPB notice. 

XXXX. ADDITIONAL EVIDENCE AVAILABLE I have a full recorded call containing : the retaliatory statement false legal statements aggressive tone attempts to discourage my federal complaint This recording will be provided immediately upon request from CFPB. 

XXXX. EMOTIONAL IMPACT The companys behavior has left me shaken. 
I feel anxious, unsafe, and violated. 
To be told directly that complaints wont help me made me feel invisible and unprotected. 
I am doing everything legally required to resolve these issues, and the retaliation made me feel powerless and targeted. 

This has caused significant emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX NY XXXX Date of Birth : XX/XX/XXXX [ Todays Date ] TO : XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : XXXX Hour Deletion & Removal Request FCRA Compliance Notice ( 15 U.S.C. 1681i & 1681b ) To Whom It May Concern, This letter serves as my formal notice and request under the Fair Credit Reporting Act ( FCRA ) for the deletion and removal of all inaccurate, unverifiable, obsolete, or paid accounts, as well as unauthorized or outdated hard inquiries, from my consumer credit file. 

As the information contained in my credit report is either no longer verifiable or has been satisfied in full, you are hereby requested to delete these items from my report within XXXX hours upon receipt of this notice. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a prompt reinvestigation of any disputed information. If the data can not be fully verified or substantiated, it must be immediately removed from the consumers report. Additionally, under 15 U.S.C. 1681b, only authorized inquiries are permissible, and all unauthorized inquiries must be deleted without delay.

I am requesting : Immediate deletion of all paid or satisfied accounts that no longer represent active debt.

Removal of any and all hard inquiries not authorized by me or older than two years.

A complete updated credit report reflecting these deletions sent to my current address within 72 hours.

Failure to comply with this lawful request may constitute a violation of the Fair Credit Reporting Act, and I will pursue all remedies available under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance.

Thank you for your immediate attention and compliance with federal law. 

Sincerely, [ Signature ] XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2025-11-18 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: CA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
XX/XX/XXXX - Applied and approved for a Barclaycard XXXX XXXX XXXX in XXXX tried to make a purchase with new credit card and was denied. Account was locked by Barclaycard on account of suspected fraud. Called in and had the account unlocked after verification. 

Sometime after that I tried to make another purchase and account was locked yet again. This time I was locked out of my entire Barclays account. I called Barclaycard and was told I needed to provide documentation in order to unlock the account. 

XX/XX/XXXX - Mailed in a legible copy of my Drivers License, Social Security Card and and copy of a bill as requested. 

XX/XX/XXXX - Called Barclaycard to confirm they had the documents and they confirmed as such but stated that had not reviewed them. Requested that I call back in a few days as it typically takes XXXX business days from date of receipt. 

XX/XX/XXXX - Placed a call to Barclaycard as it was beyond the XXXX business days. Was told they had not reviewed the documents and to call back at the end of the week. 

XX/XX/XXXX - End of the week arrives and called again. Was told they still had not reviewed the documents and customer service rep submitted a note to escalate the matter. Told to call back on XX/XX/XXXX. 

XX/XX/XXXX - Called back as requested. Told yet again documents have not been reviewed despite multiple notes to escalate the matter. Requested to speak to a manager but apparently they don't have any on site. Customer service rep simply stated there was nothing they could do. 

We are now way beyond the XXXX day window going on a month since Barclays has had the requested documents and no one seems to want to help get my account unlocked. I have placed multiple phone calls and spent probably a couple hours on the phone. I'm probably missing some dates of more phone calls. 

My next course of action is going to the state attorney general 's office. I'm being given the runaround and this seems like a very deceptive business 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 2025-11-18 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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