vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
Subject : Complaint Regarding Failure to Validate Debt Within Statutory Timeframe To the Consumer Financial Protection Bureau, Regarding a False debt of {$360.00} on my credit report. 

I am filing this complaint regarding an account being reported by Harris & Harris. 

On XXXX, I sent a certified letter to Harris & Harris, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), requesting validation of the alleged debt. The certified letter was delivered on as confirmed by USPS tracking. ( Your item was delivered to the front desk, reception area, or mail room at XXXX pm on XX/XX/year> in XXXX, IL XXXX. ) It has now been more than 30 days since my request, and I have not received any response, documentation, or validation of this debt from Harris & Harris. This lack of response violates my rights under the FDCPA, which requires debt collectors to provide proper validation upon request before continuing collection activity, including reporting to credit bureaus. 

Because the debt has not been validated, I am requesting that this account be removed from all three major credit bureaus ( XXXX XXXX XXXX XXXX ). 

I ask that the CFPB investigate this matter and take appropriate action to ensure my rights are protected and this unvalidated debt is removed from my credit reports.

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 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Withdrawal for XXXX withdrawal for XXXX XXXX XXXX first XXXX XXXX XXXX XXXXXXXX

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attn : Executive Office / Credit Bureau Disputes XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : FORMAL DEMAND FOR DELETION OF INACCURATE TRADELINE LEGAL NOTICE OF FCRA VIOLATIONS Account Ending in : [ XXXX ] Date Opened : XX/XX/XXXX | First Delinquency : XX/XX/XXXX To Whom It May Concern : I am submitting this formal legal demand concerning the reporting of the above-referenced XXXX XXXX  account. The information you are furnishing to XXXX, Experian, and XXXX is inaccurate, misleading, and unverifiable, constituting violations of the Fair Credit Reporting Act ( FCRA ) and other federal statutes.

1. FCRA Violations a. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information you know or should know is inaccurate.

Your reports continue to show this account as a charge-off with derogatory months and even an absurd credit limit of {>= $1,000,000} on Equifax. This is materially false.

b. 15 U.S.C. 1681s-2 ( b ) Duties after notice of dispute.

You have been notified through prior disputes, yet you have failed to delete the unverifiable account. Instead, you continue to transmit the same ( and new ) false data to the CRAs.

c. 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 
Reporting impossible credit limits and conflicting status updates is evidence of willful negligence in your reporting process. 

2. Harm and Liability Your continued reporting of this account has caused measurable harm to my creditworthiness, financial opportunities, and reputation. If this conduct is not remedied, I will pursue all available remedies under : 15 U.S.C. 1681n ( willful noncompliance statutory damages up to {$1000.00} per violation plus punitive damages ) 15 U.S.C. 1681o ( negligent noncompliance actual damages ) Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and reporting to the IRS regarding any charge-off tax implications.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-11 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to dispute inaccurate information being reported on my credit account. Your records show multiple late payments on my account, which is completely incorrect. I have never been late on this account, and all payments have been made on time and in accordance with the terms of the agreement. 

This inaccurate reporting is damaging my credit profile and reputation. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information to the credit reporting agencies. 

I am requesting that you : Correct any and all inaccurate reporting with all credit bureaus and confirm in writing that the account has no late payment history. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 
Please treat this as a formal dispute and respond in writing within the time frame required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Nexera Holding LLC
State: GA

Complaint narrative:
I closed on a loan in early XXXX. Less than a month later, I received a letter from a company called XXXX XXXX XXXX stating they purchased my loan and I was to begin paying them on XXXX. Then the very next week, I received a letter from XXXX stating they purchased my loan and was to begin paying them on XXXX. I have since received mortgage statements from both companies and both are expecting payment by XXXX. I emailed my original loan company to ask which company they sold my loan to and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am currently reviewing my TransUnion Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I am the trustee and authorized representative for the XXXX XXXX of the XXXX, with beneficial interest in the property of this alleged loan. My mortgage loan, originally issued by XXXX XXXX XXXX  XXXX on XX/XX/year>, was subsequently serviced by XXXX XXXX  XXXX MidFirst Bank ). 

I have documented multiple breaches of contract, violations of federal and state law, and deceptive servicing practices : Failure to Validate Debt Despite certified FDCPA demands, XXXX has not produced the original promissory note or lawful proof of ownership. 

Commercial Dishonor Notices under UCC XXXX and XXXX were served ; no lawful rebuttal was received within the cure period. 

Unjust XXXX / XXXX Without Disclosure Evidence suggests the original note was monetized or pledged as collateral under XXXX XXXX. XXXX without my knowledge or consent. 

TILA Violations Origination records show {$110000.00} in finance charges on a {$63000.00} loan, without adequate disclosure. 

Breach of Contract Improper payment application, refusal to honor terms, and deceptive modification offers. 

Harm Suffered : Financial loss, credit damage, emotional distress, and risk of property loss.

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 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
Service Link worked with XXXX XXXX and XXXX aka XXXX XXXX mortgage services. 

The transaction history does not reflect the marketing material regarding foreclosure The transaction history uses censure/borrower deferred payment to collect less than opening bid The opening bid is also not following the law I am hopeful Service Link can explain what agreement was regarding foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I have unpaid cash advances from XXXX and XX/XX/year>. The total amount due back is {$730.00}. Through the Money Lion app, I receive an error message every time I try to make a payment, whether that be by debit card or external bank account. I receive messages that say due to security issues, they can not complete the action. I have emailed the companys customer service multiple times, with the screen shots of the consistent error messages, no matter which form of payment I try to use. They keep responding with the same automated responses to try the very ways to pay that arent working. Im beyond frustrated now and want this to stop affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
Company called and harassed me multiple times. They threatened to sue me and ruin my credit. They put a connection amount on all 3 of my credit reports causing over a XXXX point total loss and causing me to get denied for a vehicle loan and had a credit card closed due to this. I have never had any contract with this company nor have I ever done business with them. They supposedly are Native American and do not follow laws that everyone else has to.

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 2025-08-10 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: NJ

Complaint narrative:
This issue was started a few months ago when I tried to obtain my credit report/score. 
Currently, I still don't have any answers and my information was not updated. 
Experian didn't explain who provided them the information about me and I was not notified of any results. 
If there was a breach somewhere and my information was compromised then I was not informed of it. Who should be held accountable and why am I being held at fault? 
I don't have the time, nor will I have the means to continually provide proof because I am unable to secure another rental apartment and won't have access to a computer.

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 2025-08-10 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
serves as a formal legal demand regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ). Despite my full compliance with the law by submitting the required documentation under 605B, your agency continues to report fraudulent account information on my credit report. 

Fraudulent Information to Be Permanently Blocked : 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 : Open/Past Due Documentation Previously Submitted to Your Bureau : FTC Identity Theft Report filed via IdentityTheft.gov Government-issued ID ( Drivers License ) Proof of current address ( Utility Bill / Matching ID ) Written request to block and delete the information under FCRA 605B This submission meets all legal requirements under FCRA 605B ( a ). Yet to date, you have failed to fulfill your duty to block the disputed items within four ( 4 ) business days of receipt.

FCRA 605B Legal Obligations Ignored : 1. Failure to Block Within 4 Business Days Per 605B ( a ), you are required to block fraudulent information within 4 business days. Your response referencing a 30-day reinvestigation period under FCRA 611 is inapplicable to identity theft block requests and constitutes willful misapplication of federal law.

2. Failure to Provide a Legally Valid Denial If you decline to block the information, FCRA 605B ( c ) mandates a specific, written explanation. Generic or automated rejection letters do not satisfy this requirement.

Metro 2 Compliance Required : You are also obligated to ensure Metro 2 reporting compliance using the following codes : XB Account flagged as identity theft dispute DA Account permanently deleted due to fraud Z Fraudulent address deleted from consumer file Failure to apply these codes is a violation of FCRA 607 ( b ) and 623 ( a ).

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