vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am filing this formal complaint against HARRIS & HARRIS XXXX LTD for multiple violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) in connection with a collection account they are reporting on my credit file.

Here are the specific violations and consumer harms I am alleging : 1. Failure to Validate Debt ( FDCPA 809, 15 U.S.C. 1692g ) I exercised my right under the FDCPA to request full and complete validation of the alleged debt being reported and collected by HARRIS & HARRIS , LTD Despite my written request, HARRIS & HARRIS , LTD failed to provide : A signed agreement bearing my signature ; A detailed accounting of the alleged amount owed; Proof they are legally authorized to collect this debt ; A copy of the original creditors documentation proving the debt is valid and accurate. 

Until such validation is provided, no collection activity or credit reporting is permitted by law.

2. Reporting Inaccurate and Unverified Information ( FCRA 623, 15 U.S.C. 1681s-2 ) HARRIS & HARRIS , LTD is reporting information to the credit bureaus without verifying its accuracy, in direct violation of the FCRA.

When I disputed the account with both HARRIS & HARRIS , LTD and the credit reporting agencies , HARRIS & HARRIS , LTD failed to conduct a reasonable investigation and continued to furnish the disputed information, despite not validating it.

3. Failure to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) HARRIS & HARRIS , LTD has not marked the account as disputed with any of the major credit bureaus, even though I sent a formal written dispute. This is a clear violation of the FCRAs requirement to report an account as disputed once the consumer challenges its accuracy.

4. Potential Re-aging of the Account ( FCRA & FDCPA Violations ) The date of last activity or first delinquency appears to have been manipulated to keep the collection account on my credit file longer than legally allowed, which constitutes illegal re-aging. This is a deceptive practice and violates both the FDCPA and FCRA.

5. Continuing to Damage My Credit With Unverified Information ( FDCPA 807 False Representation ) HARRIS & HARRIS , LTD is continuing to misrepresent the legal status of the debt by reporting it to credit bureaus without proof that the debt is valid or owed by me, which violates FDCPA 807.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
A company called Credit Wise has notified me that they have my FICO info and would benotifying me of my credit activities and standings. They claim to be part of Capital One. Please Note : I DID NOT request this service. 

I DO NOT have an account with that company nor do I have an account with Capital One. When I try to get rid of them and their service, I'm asked to " sign in ''. Since I don't have an account with them, I can't sign in. And I can't get rid of them. 

This is part of one of their emails : : " '' Its here! Sign in to your CreditWise account to view your XXXX  Score XXXX. '' I do not want this company monitoring my credit for me. I did not give anyone permission to do it. 

I had Capital One account several years ago and I cancelled it online as well as by US Mail. I repeat I do not have a Capital One account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-02 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:
Subject : Formal Complaint Violations of Consumer Rights by XXXX XXXX XXXX To Whom It May Concern : I am submitting this formal complaint against XXXX XXXX XXXX for reporting false, misleading, and damaging information on my credit file, which is negatively affecting my credit score and financial opportunities. The reporting of this collection account is inconsistent, inaccurate, and in violation of multiple federal consumer protection laws. 

What Is Happening : Balance Reporting Inconsistencies : The reported balance is {$2100.00} ( Equifax and Experian ) and {$2100.00} ( TransUnion ) this discrepancy, although minor, reflects poor and inaccurate data handling between the bureaus. 

Status Conflicts : Equifax reports the account as XXXX. 

XXXX  and XXXX  list it as Closed. 

These status inconsistencies cause confusion and unfair derogatory impact. 

Inconsistent Account Details : Last Activity is dated differently across bureaus : XX/XX/year> ( Equifax ), XX/XX/year> ( XXXX  ), XX/XX/year> ( XXXX  ). 

TransUnion includes the note Dispute Resolved XXXX Disagrees, even though the account contains materially inaccurate reporting. 

There are repeated notations of CO ( XXXX ) and XXXX late payments, even after a dispute was supposedly resolved. 

Dispute Mishandling : The dispute was not properly reinvestigated, and XXXX XXXX has failed to provide proper validation of the debt under federal law. The original creditor listed is XXXX XXXX, but no documentation has been furnished verifying the accounts ownership, itemization, or validation of charges per FDCPA guidelines. 

Laws Being Violated : Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681s-2 ) Inaccurate and conflicting information is being reported.

Failure to perform a reasonable reinvestigation of my dispute.

Truth in Lending Act ( TILA, 15 U.S. Code 1601 et seq. ) The failure to properly disclose account details and resolve discrepancies misleads future creditors. 

Gramm-Leach-Bliley Act ( GLBA ) Mishandling of consumer financial information and failure to maintain accurate records with adequate safeguards. 

Equal Credit Opportunity Act ( XXXX ) These inaccurate derogatory reports are preventing access to fair lending opportunities and capital. 

Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692g ) The collector failed to provide proper debt validation upon request. 

Continued collection and reporting of a disputed debt without proper verification constitutes harassment and misrepresentation under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I spent XXXX $ buying a item from a site through XXXX. The tracking number given by the seller showed the package was delivered to a different state. I opened a dispute with Chase and chase is saying since they are ONLY a money transfer service they are unable to open the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
Good Afternoon, I am submitting a complaint regarding Robinhood Financial , LLC for improperly restricting access to my brokerage account based on an invalid out-of-state levy initiated by a third-party creditor. 

On or around XX/XX/year>, a levy was issued through a New York court and sent to Robinhood XXXX by the third-party creditor, resulting in a full restriction of my investment account. This action is legally improper for the following reasons : Jurisdictional Overreach : I am a resident of Ohio, and my Robinhood account was opened in Ohio and funded solely through Ohio-based financial institutions. The judgment behind this levy originated in New York and has not been domesticated in Ohio, as required by the Uniform Enforcement of Foreign Judgments Act ( UEFJA ). Enforcement of the levy without proper domestication in my state of residence is a violation of legal procedure. 

No Personal Jurisdiction : I have no legal, business, or financial ties to XXXX XXXX The creditor obtained a judgment without establishing proper personal jurisdiction over me, making any enforcement against my property improper. 

Due Process Violations : I received no prior notice or service regarding the original legal action or the issuance of the levy. The lack of notification and opportunity to contest the claim violates my constitutional right to due process under the 14th Amendment. 

Improper Conduct by Robinhood : Robinhood froze my account and restricted my access to funds without informing me of the pending levy or giving me an opportunity to respond. I submitted a formal objection and provided documentation showing that the levy is invalid, yet no resolution has been offered and my account remains frozen. 

This account restriction has caused significant financial disruption and undue hardship. I am requesting that : The CFPB investigate Robinhoods actions and assess whether proper legal procedures were followed.

Robinhood be required to lift the account restriction immediately and restore access to my funds.

The third-party creditor be required to properly domesticate any judgment in Ohio before attempting enforcement actions on assets located here. 

I am prepared to provide all supporting documentation, including correspondence with Robinhood and proof of my residency and account activity. I appreciate the CFPBs help in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dates XXXX XXXX-today Amount XXXX dollars With Bank of America The company closed my account for no valid reason. Then proceeded to not pay me my cashiers check for the remaining balance in the account. They continue to give me the run around and say call back tomorrow but have no new information.

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 monetary relief
Consumer complaint received 2025-06-02 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
I am writing you to formally dispute inaccurate information reported by MOHELA and reflected on my credit report. I have reviewed my report and identified the following discrepancies that I believe are erroneous and negatively affecting my credit standing. 
1. Incorrect balance. 
I have contacted MOHELA directly regarding this, but their failure to resolve the issue necessitates this dispute. This inaccurate reporting violates the FCRA 's mandate that credit bureaus must ensure the accuracy of information they include in consumer credit files. I demand that you conduct and immediate investigation into this matter, correct the error and provide me with a written confirmation of the updated and accurate report. 
If MOHELA fails to substantiate the claim with valid evidence, the disputed information must be deleted in accordance with FCRA guidelines. 
This is a serious mater, and I expect a prompt resolution within the legally mandated timeframe of 30 days. 
Thank you for your prompt attention to this matter Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My account is in forbearance and is still in forbearance but they are reporting that I am XXXX  days late. I called and spoke to someone and they said they will fix it and havent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/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 2025-06-02 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: NJ

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending this complaint to Equifax regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} Inquiries XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-02 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: NJ

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} Inquiries XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief