vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
I am disputing a debt that Harris & Harris is attempting to collect because they have failed to provide debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

In XX/XX/year>, I sent a debt validation request via certified mail to Harris & Harris, requesting proof that I owe this debt to XXXX XXXX. Under FDCPA law, they are required to provide verification of the debt before continuing collection efforts. However, they have not responded to my request, but they continue to send collection notices in violation of the FDCPA. 

Since Harris & Harris has failed to validate the debt, they should not be reporting it to the credit bureaus or attempting further collection efforts. Their continued collection attempts without proper validation violate federal consumer protection laws. 

I am requesting that : Harris & Harris cease all collection efforts until they provide the legally required validation of the debt. 
The debt be removed from my credit report as it remains unverified. 
CFPB investigates Harris & Harris for violating FDCPA laws by continuing collection efforts without verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They have the wrong address on my credit report and I was a part of the data breach

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 2025-02-16 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: Creditors Bureau Associates
State: GA

Complaint narrative:
On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) finalized a rule prohibiting medical debt from appearing on consumer credit reports. This rule applies to ALL MEDICAL DEBT, regardless of the amount or payment status. Since then, I have submitted numerous disputes to all three credit bureaus to remove ALL medical bills from my reports. The medical bills were not only incurred while Medicaid and XXXX fully insured me, but they failed to try to submit the bills to insurance before turning them over to collections. I have disputed these collections several times. Since my disputes began three to four years ago, a rule was passed in XXXX to remove all medical bills and collections from credit reports. But, even after the bills have been disputed the credit bureaus fail to do what the new law has established. I notified each original biller several times that I had medical insurance on file with them, and there is no reason why debts are being turned over to collections. All of my disputes for my medical bills get denied in under 24 hours. According to a federal law that passed in XX/XX/XXXX, I should not have to fight these companies to remove medical bills from my report. I have stated this in my most recent dispute. I was hoping that the credit bureaus would have handled this accordingly so that I would not have to submit this complaint. But these accounts were already disputed and removed when the first law was passed about medical bills under {$500.00} on credit reports. They were increased and then put back on my credit report again. This should not be allowed, and as of this date, is now illegal. Thank you for all of your help. 

XXXX XXXX XXXX Summary : H.R.2537 117th Congress ( XXXX XXXX Shown Here : Introduced in House ( XX/XX/XXXX ) Consumer Protection for Medical Debt Collections Act This bill restricts the inclusion of medical debt on a consumer credit report. 

A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency ( 1 ) medical debt arising from a medically necessary procedure, or ( 2 ) other medical debt less than a year old. 

A person reporting medical debt to a consumer reporting agency must first provide notice to that consumer regarding the restrictions on including medical debt on credit reports. 

Furthermore, a debt collector is prohibited from collecting a medical debt less than two years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX has a debt on my account that should not be there. I traded in a my old phone for a new one and they are saying I owe about {$1000.00}. This was about 7 years ago. I called and told them and the report is still on my credit report.

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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am making a complaint regarding my Cash App account, which has been subject to unauthorized access and significant financial loss. I was incarcerated from XX/XX/XXXX to XX/XX/year> for a probation violation. During this time somebody hacked my cash app account and spent {$6000.00}.

During my time in jail, my phone remained in my property, making it impossible for any transactions to have originated from my device. Upon my release, I discovered that someone had logged into my Cash App account and transferred the aforementioned amount in increments to three different Cash App accounts. I also noted that an unrecognized device accessed my account the day after my arrest. 

Despite my attempts to resolve this issue directly with Cash App support, I have not received any assistance. Given your role as the Financial Protection Bureau and your recent actions regarding Cash App 's security practices, I am requesting your intervention in this matter. My account details for your reference are XXXX XXXX  
Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was looking over my report and I noticed my American Express accounts ( personal & business ) listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 15 usc 1681e ( b ).

American Express : Outstanding Balance : {$2200.00} Account ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
I am filing this complaint against Capital One regarding my credit card account, which has been reported as charged-off with a derogatory status. I believe this reporting is unfair and inaccurate based on the following concerns : 1. Incorrect Balance and Over-the-Limit Reporting : My account had a credit limit of {$300.00}, yet Capital One is reporting a balance of {$410.00}, which is 137 % of my limit.

This suggests Capital One continued adding fees or interest after account closure, which may violate fair lending practices.

2. Unclear or Unjustified Charge-off : The account was reported as charged-off on XX/XX/year>. However, there was no proper notification or opportunity to resolve the balance before it was written off. 
The charge-off has severely impacted my credit score, making it difficult for me to obtain financial services.

3. Inconsistent Payment History Reporting : My payment history indicates 77 % on-time payments, yet the account was closed with a charge-off.

I attempted to resolve disputes with Capital One, but they have failed to provide clear explanations or correct any errors.

4. Dispute Mishandling : The remarks section states : Dispute resolved reported by grantor, yet I was not provided with any documentation proving the legitimacy of the balance or charge-off decision. 
Capital One closed my account without properly addressing my concerns, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NV

Complaint narrative:
This student loan account is being reported incorrectly and has been unlawfully re-aged. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ( a ) ), negative accounts can only remain on a credit report for 7 years from the date of first delinquency ( DOFD ). However, this loan has been re-aged by changing the delinquency date, making it appear newer than it actually is. 

Additionally, this loan may have been forgiven under the Borrower Defense to Repayment Program, but the servicer has failed to update the status correctly.

I am requesting the following : Immediate correction of the delinquency date to reflect the original Date of First Delinquency. 
Removal of this account from my credit report if it has exceeded the 7-year reporting period.

Proper reporting if this loan has been forgiven under Borrower Defense. 
Please investigate and correct this in compliance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The issue I am experiencing involves incorrect balance, missed payments, wrong status, and wrong reporting dates .This inaccurate information is being reported to the credit bureaus and is negatively affecting my credit. 

Despite my repeated attempts to resolve this issue directly with XXXX. XXXX, and XXXX XXXX, including calling customer service, sending written communication, or submitting disputes, I have not received a satisfactory response. 

I believe the reporting is not in compliance with the Fair Credit Reporting Act and may also violate other regulations related to student loan servicing and reporting. I am requesting that the CFPB investigate this matter and help facilitate the correction of my student loan account

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 2025-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank Of America has stipulated to a settlement in a class action settlement to which I am a plaintiff. They admitted to error that has continuously damaged the principals credit score. I respectfully demand as stipulated in the settlement for XXXX  Vs Bank of America that the bogus debt reporting be removed immediately

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-16 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-02-16 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: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified XXXX XXXX  Collection Account Dear Credit Reporting Agencies, I am writing to formally request the removal of a {$5200.00} collection account from XXXX XXXX that is currently being reported on my credit file. I previously disputed this account with XXXX, and after their investigation, it was deleted from my XXXX report as of XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. Since XXXX, a major credit reporting agency, has completely deleted this account, it raises serious concerns about its accuracy and verifiability. As such, if XXXX determined the account to be unverified, you are legally obligated to do the same. 

Furthermore, under FCRA 609, I have the right to request verification of any account appearing on my credit report. If you can not obtain proper verification from the original creditor within 30 days, per FCRA 611 ( a ) ( 5 ) ( A ), you must promptly delete the unverifiable account.

If this account is not removed within the legally required timeframe, I will exercise my right under FCRA 616 and 617 to pursue legal action against your agency for willful or negligent noncompliance. Additionally, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I expect written confirmation of the deletion within 30 days of your receipt of this dispute. Please consider this my final request before taking further action. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I tried reaching out before this I dont have a date but it was through email or their contact section i received an email on XXXX about my account being closed and they said I can withdraw any funds left I called the second time on XX/XX/year> and received this case number XXXX where they told me theyd call me back. When I called in the first time the rep would not give me any information when I called the second time rep told me she would have the special case department call me they never contacted me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: GA

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, Aldous 29367 NCA 1127, has violated my rights.

15 USC1681 section 6028. States I have the right to privacy. And according to 15 USC1681EB they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Another adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.15 USC 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 2025-02-17 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: MO

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I received a XXXX payment for {$20.00}. After receiving payment, Truist closed my account without my knowledge. 
On XX/XX/XXXX, I received another XXXX payment for {$50.00} and tried to transfer my full balance to withdraw the funds. My card and account could not be used and kept declining so thats when I called customer service and learned my account was closed. The {$50.00} transaction was still pending so they claimed there wasnt anything they could do, other than tell me it would go back to the persons bank who sent it. 
On XX/XX/XXXX, the transaction posted and was deposited. I called again asking how that is possible since my account is closed. No one could give me an answer and no one could provide me with a resolution other than going into a branch which isnt possible for me since the nearest branch is 4+ hours away. Another rep said when it was pending they could have cancelled it but now that it was cleared there was nothing they could do. I find it appalling and frankly, its theft, to allow a deposit in a closed bank account and then refuse to give me access to my money. I have yet to receive a call back from a supervisor like I was promised, the funds are still there and I have no way to access them and they are refusing to 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