vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
I am filing this complaint due to abusive, deceptive, and illegal debt collection practices by the company listed above. Their representative yelled at me, misrepresented the terms of my contract, refused to provide written documentation, and falsely claimed that I was refusing to pay when I simply stated I could not make a payment this month. 1. The collector lied about my payment amount My school confirmed my legally contracted monthly payment is {$160.00}. The collector falsely stated that my payment was {$600.00} per month, which is not accurate. This violates FDCPA 807, which prohibits false and misleading representations about a debt. 2. The collector demanded immediate payment and used coercion I stated clearly that I can not make any payment in XXXX and that my first available payment will be in XXXX. The representative became aggressive and insisted I must pay today or they would not accept any payment. This is coercive and violates FDCPA 808. 3. The collector falsely accused me of refusing to pay The collector is demanding immediate payment even though they have never sent any written notice, written validation, or written confirmation of the debt. They are violating FDCPA 809 by refusing to provide required documentation but still insisting I make a payment. They falsely claim I am refusing to pay when in reality they have not provided the mandatory written validation required by law and as I have requested multipletimes via text and via phone. 4. Harassment and threats toward my cosigner During the conversation, the representative raised his voice, yelled, and stated that if I did not pay, he would just call my cosigner repeatedly. Although my sister is a cosigner, threatening repeated calls is harassment and violates FDCPA 804 and 805, which limit third-party communication. 5. The collector repeatedly hangs up when I request written communication Each time I requested : Written debt validation Written confirmation of payment terms Written documentation of the balance The representative hung up the phone. This appears intentional and is an attempt to avoid providing the written notices required under FDCPA 809. This is deceptive and unprofessional. 6. Hostile and abusive behavior The representative yelled at me, refused to communicate professionally, and stated we have nothing further to discuss when I declined to make an immediate payment I can not afford. This violates FDCPA 806, which prohibits abusive and harassing behavior.

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 2025-12-04 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: TX

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 2025-12-04 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: NJ

Complaint narrative:
I have inaccurate late payment information reported on my credit reports from Equifax, Experian, and TransUnion for the XXXX account, which is being reported illegally and in violation of multiple federal laws. On XX/XX/year>, I sent formal dispute letters to each of the XXXX credit bureaus ( Equifax, Experian, and TransUnion ) demanding the immediate removal of these late payments under the Fair Credit Reporting Act ( FCRA ) Sections 1681 ( 4 ), 1681 ( 2 ) ( A ) ( i ), and 1681e ( b ), as well as 15 U.S.C. 1666b, 15 U.S.C. 1637, and Section 502 of the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6802 ). I enclosed copies of my identification for verification in each letter. 
Despite these submissions, the credit bureaus have failed to remove the inaccurate late payment information or conduct a reasonable investigation to ensure maximum possible accuracy as required by FCRA 1681e ( b ). These late payments are being reported in direct violation of my right to privacy and fairness under FCRA 1681 ( 4 ). Additionally, reporting late payments constitutes transactions or experiences between the consumer and the reporting agency, which is illegal under FCRA 1681 ( 2 ) ( A ) ( i ). The bureaus can not report any account as late unless the required billing information under 15 U.S.C. 1637 was delivered 21 days before the payment due date, as mandated by 15 U.S.C. 1666b, which was not done. Furthermore, I have not received any written or electronic notification of the disclosure of my nonpublic personal information, nor was I given the opportunity to opt out, violating GLBA 502 ( 15 U.S.C. 6802 ). 
These inaccuracies have caused me significant financial stress and harmed my creditworthiness. I have also filed an FTC Identity Theft Report ( Report Number : XXXX, dated XX/XX/year> ), which supports my overall claims of unauthorized and inaccurate reporting on my credit files, contributing to my inability to obtain credit. The bureaus ' failure to correct these errors promptly violates federal laws designed to ensure fair and accurate credit reporting. 
The inaccurate late payment information appearing on my credit reports is as follows : Equifax : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate late payments reported in violation of FCRA and related laws. 

Experian : XXXX, Account Number : XXXX XXXX XXXX Inaccurate late payments reported in violation of FCRA and related laws. 

TransUnion : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate late payments reported in violation of FCRA and related laws. 

I demand that the CFPB investigate this matter and hold Equifax, Experian, and TransUnion accountable for their noncompliance across all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
I have inaccurate late payment information reported on my credit reports from Equifax, Experian, and TransUnion for the XXXX account, which is being reported illegally and in violation of multiple federal laws. On XX/XX/year>, I sent formal dispute letters to each of the XXXX credit bureaus ( Equifax, Experian, and TransUnion ) demanding the immediate removal of these late payments under the Fair Credit Reporting Act ( FCRA ) Sections 1681 ( 4 ), 1681 ( 2 ) ( A ) ( i ), and 1681e ( b ), as well as 15 U.S.C. 1666b, 15 U.S.C. 1637, and Section 502 of the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6802 ). I enclosed copies of my identification for verification in each letter. 
Despite these submissions, the credit bureaus have failed to remove the inaccurate late payment information or conduct a reasonable investigation to ensure maximum possible accuracy as required by FCRA 1681e ( b ). These late payments are being reported in direct violation of my right to privacy and fairness under FCRA 1681 ( 4 ). Additionally, reporting late payments constitutes transactions or experiences between the consumer and the reporting agency, which is illegal under FCRA 1681 ( 2 ) ( A ) ( i ). The bureaus can not report any account as late unless the required billing information under 15 U.S.C. 1637 was delivered 21 days before the payment due date, as mandated by 15 U.S.C. 1666b, which was not done. Furthermore, I have not received any written or electronic notification of the disclosure of my nonpublic personal information, nor was I given the opportunity to opt out, violating GLBA 502 ( 15 U.S.C. 6802 ). 
These inaccuracies have caused me significant financial stress and harmed my creditworthiness. I have also filed an FTC Identity Theft Report ( Report Number : XXXX, dated XX/XX/year> ), which supports my overall claims of unauthorized and inaccurate reporting on my credit files, contributing to my inability to obtain credit. The bureaus ' failure to correct these errors promptly violates federal laws designed to ensure fair and accurate credit reporting. 
The inaccurate late payment information appearing on my credit reports is as follows : Equifax : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate late payments reported in violation of FCRA and related laws. 

Experian : XXXX, Account Number : XXXX XXXX XXXX Inaccurate late payments reported in violation of FCRA and related laws. 

TransUnion : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate late payments reported in violation of FCRA and related laws. 

I demand that the CFPB investigate this matter and hold Equifax, Experian, and TransUnion accountable for their noncompliance across all three bureaus.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
Company is Violating my consumer right to privacy pursuant to 15 usc 1681 B 2. company has also No permission to report anything using my info Pursuant to 15 usc 1681 4. 
pursuant 18 usc 8, I Owe no debt. Please Remove the Following Accounts : 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 XXXXXXXX REMOVE AND BLOCK INFORMATION IN 4 BUSINESS DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to address inaccuracies on my credit report with the major credit bureaus : Experian ( EX ). Below are the accounts that I am disputing, along with the specific discrepancies I have identified. 

Charged-Off Accounts : 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

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 2025-12-04 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
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 XXXXXXXX has violated my rights.

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 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
I am filing a complaint regarding an unresolved loan issue with Citizens One XXXX Citizens Bank related to XXXX XXXXXXXX Upgrade Program. 
I purchased an XXXX under the XXXX XXXX XXXX on XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX ). I returned the device to XXXX on XX/XX/XXXX. XXXX confirmed the return and stated that the information was sent to Citizens so the loan could be closed. 
However, Citizens has not closed the loan and continues to bill me for a device I no longer possess. My Citizens loan number is XXXX. Despite the return being completed more than two months ago, Citizens continues to draft payments from my account. I have now made three monthly payments on a device that was returned within the allowable return window. 
I have contacted both XXXX and Citizens several times. XXXX states that the issue is on Citizens end and that they have submitted the return properly. Citizens tells me that XXXX has not sent the proper return information. I am caught between the two companies, with neither taking responsibility, and the loan remains open with ongoing charges. 
I am requesting the CFPBs assistance to : Have Citizens immediately close this loan. 
Reverse the three payments collected after the device was returned. 
Provide written confirmation that the account is closed and will not be reported negatively to credit bureaus. 
I have done everything required as a consumer, returned the device on time, and have been unable to resolve this despite multiple attempts. I am simply seeking correction of the loan status and reimbursement for improper charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

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 2025-12-04 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: CA

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 seven 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, AL XXXX Phone : XXXX Creditor Being Reported : XXXX XXXX Account Ending : XXXX Issue : Charge-off reporting inaccurately after being sold ; no verification provided Complaint Description : XXXX XXXX is reporting a charge-off that has been sold, yet they continue to report negative information with no verification. 

I disputed this account four times : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No response has ever been received, which violates : FCRA 1681i Must reinvestigate within 30 days FCRA 1681s-2 ( b ) Must investigate after bureau notification FCRA 1681g Must provide method of verification FCRA 1681e ( b ) Must maintain accurate reporting The account is : Sold Reporting inconsistently Not being updated Not being validated in ANY response Federal law requires immediate deletion of this unverifiable negative information. 

This inaccurate charge-off has caused : Higher interest rates Credit denials Severe impact on my credit score Requested Resolution : I am requesting the full deletion of this charge-off from the credit bureaus due to Continental Finances failure to verify , failure to investigate, and inaccurate continuing 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 non-monetary relief