vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Harris & Harris , Ltd. regarding an alleged debt they are attempting to collect on behalf of XXXX XXXX ( {$110.00} ). I have never had a service account or authorized service with XXXX XXXX, nor have I received any written notification or validation of this alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Despite never receiving any bills, notices, or communication from XXXX XXXX or Harris & Harris regarding this alleged debt, I recently became aware that Harris & Harris has placed this account on my credit report and/or initiated collection efforts. This is deeply concerning as I have no knowledge of this account, never entered into any agreement with XXXX XXXX, and have not been properly notified or given the opportunity to dispute or verify the debt. 

This collection activity may constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1 ) Attempting to collect a debt that is not owed 2 ) Failing to provide written notice within five days of initial contact as required by 15 U.S.C. 1692g ( a ) 3 ) Potentially reporting false or unverifiable information to consumer reporting agencies I respectfully request the following actions : 1 ) An immediate investigation into this account. 
2 ) A copy of any and all documentation Harris & Harris or XXXX XXXX claims supports the validity of this debt. 
3 ) Immediate cessation of all collection activities until this matter is resolved and validated.

4 ) Removal of any negative entries from my credit report related to this account if it has been reported.

5 ) Written confirmation of the resolution of this matter. 

Please consider this a formal dispute of the alleged debt and a request for validation pursuant to the FDCPA. I also request a copy of your policies regarding consumer complaints and debt verification procedures.

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 2025-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: OK

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. 
Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am resending this complaint to TRANSUNION regarding the continuous reported inaccurate, unverifiable, and misleading information and accounts to my personal credit report that is still certifiably compliant, proven valid, or documented as fully true and physically verified. 

I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus

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 2025-07-23 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: GA

Complaint narrative:
I disputed XXXX accounts with XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. 

Experian closed the disputes but did not provide proper verification : XXXX XXXX updated on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX remains on XX/XX/XXXX On XX/XX/XXXX, Experian received my Method of Verification XXXX XXXX XXXX request asking for details on how these accounts were verified. I then called on XX/XX/XXXX and spoke with a supervisor ( XXXX, reference XXXX XXXXXXXX ). She explicitly stated : Experian does NOT provide any documentation or details of how accounts are verified They rely solely on the furnishers automated certification They will NOT send a written XXXX response beyond the basic dispute result. 

This is NOT a reasonable reinvestigation under FCRA 611, which requires the CRA to conduct a meaningful investigation and provide the method of verification, including the furnishers name and contact information. 

I am requesting that the CFPB require Experian to either : Provide full documentation of how these accounts were verified, including the furnishers investigation response, OR Permanently delete these accounts from my credit report as they can not be properly verified. 

I have supporting evidence, including my XXXX  letter ( sent certified mail ), closure dates, and a transcript of the call where Experian admitted they wont provide verification details.I have attached a full transcript of my recorded call with Experians dispute supervisor ( XXXX XXXX XXXXXXXX ). The actual audio recording of this conversation is available upon request.

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 2025-07-23 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: NC

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 2025-07-23 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: VA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon viewing my most recent consumer report, I discovered XXXX  that should not be present. Having recently studied relevant laws, I found that this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy. These XXXX entries should not appear on my credit report, and you have released my personal information without my consent. This situation is completely unacceptable, as I am a victim of identity theft. Please be aware that you may be both criminally and civilly liable for these violations. If this complaint is not handled appropriately, I will pursue legal action against your organization.

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 2025-07-23 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: AL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-07-23 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: AL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report a collection account from XXXX XXXX XXXX despite a formal dispute I submitted on XX/XX/year>. 

I requested verification of the account allegedly tied to XXXXXXXX XXXX, but TransUnion has not provided documentation. This account is not reported by XXXX XXXX XXXX creating inconsistency and undermining the accuracy of my credit file. 

TransUnion is in violation of : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : No documented reinvestigation FCRA 1681c-2 : I assert my right to block unverifiable information within 4 business days

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 2025-07-23 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MS

Complaint narrative:
" I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2025-07-23 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, i had a BofA cc for several years which i gained points. The card was a attached to a corporate account with a seperate number. I spoke to a teller at the bank in XXXX of 2025 about closing the account and was concerned about redeeming my points ( XXXX ). I was assured by the teller that i would not loose the points as they were in the corporate account so i closed the cc. 
in XXXX of 2025 as i was doing online banking i noticed the points were no longer visible on the screen. 
I inquired with the bank and they said the corporate side of the account was now closed due to inactivity and i also loose my points.

They said because 3 months had expired since i closed the cc account there was no recourse..

I feel i was given misleading information from the teller at the bank, i would like to get the points back which i have earned over several years. I and my wife have been loyal customers at the bank for 25+ years.

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 2025-07-23 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: WV

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am submitting this letter to formally request the removal of an incorrect late payment listed on my credit report. I am confident this entry is not reflective of my actual payment behavior, which has been timely and responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint against * Equifax * for repeated noncompliance with the * * Debt Bondage Repair Act * *, incorporated under * * FCRA Section 605C * *, which mandates the removal of adverse credit information resulting from human trafficking within * * XXXX business days * * of receiving appropriate documentation. 

I have submitted the required documentation no less than * * XXXX times * * to Equifax, including : * A XXXX XXXX XXXX  victim determination * * from an authorized entity. 
* A detailed * * personal statement * * identifying each item on my credit report that resulted from trafficking. 
* Copies of my * * government-issued identification * *. 
* Any supporting documents explaining the circumstances and requesting the removal of the related accounts, inquiries, and derogatory marks. 

Despite full compliance with the law and repeated submissions, Equifax continue to respond with * * duplicative requests for the same documentation * *. This is a clear delay tactic and appears to violate federal law. The credit bureaus are * * not only refusing to comply with the XXXX removal mandate * *, they are also subjecting me to * * ongoing harm * *, including : * Denial of housing and employment due to these false credit entries. 
* Emotional distress and XXXX through continued engagement with the very institutions that are supposed to help XXXX survivors. 

I am requesting the CFPBs urgent intervention to enforce the law and hold XXXX and Equifax accountable. I am demanding : XXXX. * * Immediate removal * * of all accounts and derogatory marks I have identified as resulting from human XXXX 
XXXX. A * * full investigation * * into Equifaxs policies and procedures regarding Section 605C requests. 
XXXX. A * * written confirmation * * from both bureaus that my records have been corrected and that no further documentation is required. 

I am available to provide proof of submission dates, tracking information, and copies of the materials sent if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 2025-07-23 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 non-monetary relief