vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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: EQUIFAX, INC.
State: MS

Complaint narrative:
Subject : Dispute of Fraudulent Account Request for Removal Dear Equifax, I am writing to formally dispute the fraudulent account appearing on my credit report. The account, reported by XXXX XXXX XXXX XXXX XXXX is not mine, and I did not authorize its opening. I am a victim of identity theft, and I request that this account be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B. 

The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX To support my dispute, I have attached the following : A copy of my FTC Identity Theft Report ( if filed ). 
A copy of my government-issued ID to verify my identity. 

I request that you take the following actions : 1. Remove this fraudulent account from my credit report immediately.

2. Send me written confirmation that the account has been removed.

3. Provide me with an updated copy of my credit report reflecting this change. 

As per 15 U.S. Code 1681c-2, if I am a victim of identity theft and have provided proper documentation, you are required to block or remove fraudulent information from my credit file. 

Please complete this investigation and respond to me in writing within 30 days. If this fraudulent account is not removed, I will escalate my complaint to the, Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

You may send all correspondence to the mailing address listed above. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Cascade CISS Holdings, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX Xactus LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiry Dear CFPB [ Consumer Financial Protection Bureau ], I am writing to formally dispute a hard inquiry on my credit report that I believe is inaccurate. The inquiry in question was made on XX/XX/XXXX by Xactus LLC, and I have not authorized this inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is incorrect. According to Section 604 of the FCRA, a credit reporting agency may only report inquiries that are authorized by the consumer. Since this inquiry was not authorized by me, I request that it be investigated and removed from my credit report.

Please find enclosed a copy of my credit report highlighting the disputed inquiry, along with any supporting documentation. I would appreciate your prompt attention to this matter and request that you inform me of the results of your investigation within 30 days, as required by the law or remove this off my Credit immediately.

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I received service from XXXX XXXX XXXX XXXX in XX/XX/XXXX. I was provided a bill at time of service and paid what was owed for services provided. Since that time I have received no correspondence from their office. In XXXX of XXXX I received a bill from a collection agency that there was an additional XXXX dollars that was due to the company and is now with their collection agency. I contacted XXXX XXXX and was informed they had continued to submit it to the insurance company over the last four years and due to it not being paid they sent it to collections. I asked when they had tried to contact me because I had received no correspondence from their office and I was informed they never sent me a bill or tried to contact me in any form. The insurance that was used at the time of service was provided by my job and is an insurance that I no longer had XXXX of the next year due to a change in employment. The company is unwilling to provide any assistance in reaching a solution to this matter and I am having a hard time trying to get answers from an insurance company I have not been insured with in four years. I would like to know how I can resolve this without my credit being disrupted due to something I was unaware of and something I was unaware of for the last for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Vanilla Visa regarding their mishandling of an unauthorized transaction on my Vanilla Visa E-Gift Card. The companys failure to address this matter in a timely and professional manner has caused me significant frustration and concern. 

On XX/XX/XXXX, an unauthorized purchase of {$200.00} was made at XXXX using my Vanilla Visa E-Gift Card. I promptly reported the issue and was informed that the transaction needed to clear before I could file a dispute. I followed their instructions and officially submitted my dispute on XX/XX/XXXX. 

Since then, I have been repeatedly misled regarding the resolution timeline. I was initially told that a decision would be reached within 35 days or up to 30 days. However, despite multiple follow-ups, the issue remains unresolved. I was given specific resolution dates, including : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite these assurances, no action was taken, and I have only now been informedon XX/XX/XXXX, XXXX my case has just been escalated to their fraud department. This delay is unacceptable. 

Throughout this ordeal, Vanilla Visa has provided extremely poor customer service, offering little to no communication regarding the status of my dispute. In fact, the only written correspondence I have received throughout this entire process is the attached email. 

As a consumer, I feel completely unprotected and unsafe doing business with Vanilla Visa. I was the victim of an unauthorized transaction, yet I have been forced to chase after a resolution for months with no progress. The lack of accountability and transparency is deeply concerning. 

I urge the Consumer Financial Protection Bureau to investigate Vanilla Visas handling of fraud claims and ensure that consumers like myself receive the protection and support we are entitled to. I demand an immediate resolution in this matter. 

Thank you in advance for the assistance!

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and XXXX 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: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
XXXX XXXX Harris & Harris-collects for Oklahoma XXXX XXXX XXXX Balance : {$320.00} To Pay : XXXX : XXXX or call XXXX Reply STOP to stop XXXX & Harris-Debt Collector XXXX XXXX XXXX XXXX Communications. Pay only 60 % of your balance. Visit XXXX XXXX XXXX or call XXXX. STOP to optout XXXX XXXX XXXX XXXX XXXX for Oklahoma XXXX XXXX XXXX Balance : {$50.00} To Pay : https : XXXX or call XXXX Reply STOP to stop XXXX, XXXX & XXXX for Oklahoma XXXX XXXX. Balance : {$52.00} To Pay XXXX XXXX XXXX XXXX or call XXXX Reply STOP to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I place an order using XXXX app for the quantity of & XXXX. When I went to pick up the order it was cancel because I went after XXXX hours and system automatically cancel the order. I contacted the bank to dispute and XXXX. XXXX sent me The reversal code XXXX. The bank still closing the dispute because it not enough information. 

This is the letter what they bank sent me : Dear XXXX XXXX, Here 's an update on your dispute with XXXX # XXXX billed on XX/XX/year> for {$38.00}. 
At that time we began an investigation into your dispute and requested information from you. While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim. 
If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. We apologize for any inconvenience. If you have questions, please give us a call at XXXX. We're available from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, seven days a week. 
Sincerely, Capital One Transaction Support Center XXXX Capital One. Capital One is a fed

Company response to consumer: Closed with monetary relief
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: Navient Solutions, LLC.
State: IN

Complaint narrative:
The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safe guard my information.

I have received several data breaches of my personal information. These data breaches have resulted in my student loans that have been sold without my permission and a bankruptcy added back to my student loans that was discharged in bankruptcy from a college that closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have a joint bank account with my husband at Bank of America. We used this account to have our tax returns deposited into. I was notified that the state returns were taken out of our joint account for a personal account my husband had which was closed and no agreement or payment plan was made. His personal account was nothing that had to do with me and my funds. My husband called BOA to ask why was the money taken and they explained to him it was for an old personal account that he had open before we had a joint account. I tried to reason with them if they can setup a payment plan and at least return the money they took without notifying us. The money we were waiting on to pay some of our bills BOA took from us and was never told that this would happen. We had this account for years and now all of a sudden they just took it. Is there something that could be done?

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 2025-02-16 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 Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to formally request the removal of a Portfolio Recovery collection account with a {$620.00} balance from my credit report. I disputed this account with XXXX, and after their investigation was completed on XX/XX/year>, the account was deleted from my XXXXXXXX XXXX XXXX. This deletion confirms that the account is unverifiable, and your agency is now legally required to take similar action in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies must report only accurate, complete, and verifiable information. Since XXXX has determined that this account can not be verified and removed it from my credit file, your agency must comply with the same requirement to ensure accurate reporting. 

Furthermore, FCRA 609 and 611 state that if disputed information can not be verified within 30 days, it must be removed from the consumers credit report. I respectfully request that you investigate and remove this unverifiable account from my credit file within the legally mandated 30-day timeframe.

Failure to comply with this request may result in legal action. FCRA 616 and 617 grant consumers the right to seek damages and take legal action against credit reporting agencies that fail to uphold their obligations under federal law. Should your agency continue to report unverifiable information, it may face liability for damages caused by inaccurate reporting. 

I have attached a copy of my XXXXXXXX XXXX XXXX  confirming the deletion of this account for your review. Please provide written confirmation once the account has been removed from my credit report. If you choose not to delete the account, I request that you provide sufficient documentation verifying its accuracy. 

If this matter is not resolved within 30 days, I will escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring additional legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your 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: Incorrect information on your report — Account status incorrect
Company: Concord Servicing Corporation
State: OH

Complaint narrative:
I asked for a debt validation from XXXX XXXX XXXX in XXXX, I never, received any response. I also filed a complaint with the better business bureau in XX/XX/XXXX, after which the company erased the debt but left derogatory information on my credit report. I have all the emails and XXXX direct messages regarding this debt most have been unanswered and some where the company responded and denied all claims that a dispute ever happened despite all of the evidence to the contrary, their representative lied in order get rid of my complaint. If there is no debt then there is no negative credit reporting. The negative reporting is now listed under Concord Services LLC. I have never heard of them or heard from them, this credit reporting inaccuracy has caused harm to me and my credit for more than XXXX years, this is a violation from the furnished and credit reporting agency under FCRA 15.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted XXXX to try to resolve the issue and I was told by a representative, they did not have access to may account history. I had applied many years ago for XXXX XXXX, always paid onetime, then used the account again, paid it off and the company continued reporting account not paid. I am asking for complete debt validation claim, with account complete history to match my records, with my original signature. 
XXXX was a store I visit once a year, specially during holidays only and I always paid off my balances.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I contacted XXXX to try to resolve the issue and I was told by a representative, they did not have access to may account history. I had applied many years ago for XXXX acc, always paid onetime, then used the account again, paid it off and the company continued reporting account not paid. I am asking for complete debt validation claim, with account complete history to match my records, with my original signature. 
XXXX was a store I visit once a year, specially during holidays only and I always paid off my balances.

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: 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information of my credit report! Leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection Bureau ( CFPB ) has recently failed 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 the disputes outcomes. These failures align with my experience, when Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate collection action to remove or amend the dispute accounts, as Experian 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 2025-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
I was on auto pay to pay the loan. I made my monthly payments bi-weekly and they still deducted my whole monthly payment on auto pay. I canceled my auto pay and they upped the interest and fixed the payment option to only monthly payment or other payment. I can not pay any additional monthly payment unless it states a monthly payment is due so it forces me to pay other so I will never appear to be months ahead of my payments. The company said they can not accept bi-weekly payments and they have the right to increase the interest rate when I canceled the auto pay and I can not receive the initial lower rate if I decide to go back to auto pay. My goal is to pay this loan off early with bi-weekly payments.

Company response to consumer: Closed with explanation