vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I am writing to formally demand that Harris and Harris Collection Agency cease and desist all communication with me regarding the alleged debt associated with my name, XXXX XXXX. 
This demand is pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX U.S.C. 1692c ( c ), and in response to ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), relating to false credit reporting and failure to verify debts.

I am aware of my rights under the FCRA, including : 1. Failure to Provide Accurate Information : Under 15 U.S.C. 1681s-2 ( a ), entities furnishing information to credit reporting agencies are required to report accurate information. Your collection attempts include either mistakenly attributing a debt to me or failing to validate the debt as required under the FCRA.

2. Failure to Provide Verification : I hereby demand that you validate the alleged debt as per 15 U.S.C. 1692g. Until you provide adequate validation of the debtincluding the original creditors information, the amount originally owed, and any documentation evidencing that I am responsible for this debtyour agency is required to cease all collection activities.

Additionally, I have received numerous telephone calls from your agency that have included threats of legal action and other coercive tactics intended to intimidate me into paying a debt which, upon information and belief, I do not owe. Such actions are in direct violation of 15 U.S.C. 1692d, which prohibits harassment or abuse by debt collectors, and constitute unlawful practices that I will not tolerate.

This letter serves as formal notice that any further communication or attempts to collect this alleged debt without proper validation or verification will result in filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as potential legal action against your agency. 
Please confirm the receipt of this letter and provide the requested documentation by 30 days from the date of the letter. Until proper validation is received, you are hereby instructed to stop all telephone communication, written communication, or any other forms of contact regarding this matter. 
Should you fail to comply with this demand, I will not hesitate to pursue all available legal remedies. 
Thank you for your prompt attention to this matter.

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 2025-10-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
XXXX XXXX ULTIMATE FURNISHER DISPUTE ( Charge-Off ) Date : XX/XX/year> XXXX XXXXXXXX Attn : Credit Bureau Dispute / Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : IMMEDIATE DEMAND FOR DELETION FORMAL DIRECT DISPUTE UNDER FCRA 623 ( a ) ( 8 ) & 12 C.F.R. XXXX ACCOUNT : XXXX XXXX Credit Card ( Closed/Charge-Off ) Acct # [ Last XXXX ] CONSUMER : XXXX XXXX XXXX | XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX NOTICE OF LEGAL LIABILITY & LITIGATION HOLD This letter imposes a Litigation Hold on all records ( paper, electronic, internal notes, furnishing files ) related to this account and your investigation. Failure to comply with this notice is spoliation of evidence and may be deemed willful noncompliance with the FCRA. 
FURNISHING DEFECTS & FCRA VIOLATIONS Past-Due Misuse ( XXXX XXXX XXXX ) : You are reporting Past Due XXXX {$0.00} on a closed/charged-off account, violating the XXXX XXXX requirement for Field XXXX XXXX Past Due ) to be {$0.00} after charge-off. 
Accuracy Failure ( 607 ( b ) ) : Balances and key dates ( DLP/DLA ) conflict across CRAs ( e.g., $ XXXX $ XXXX {$89.00} ), violating the duty of maximum possible accuracy. 
Missing DOFD ( 623 ( a ) ( 5 ) ) : You have failed to furnish or demonstrate the Date of First Delinquency ( DOFD ) ( XXXX XXXX Field XXXX ), impairing statutory obsolescence validation. 
ULTIMATE DEMAND : DELETE IF UNVERIFIABLE Pursuant to FCRA 623 ( a ) ( 8 ), you must conduct a meaningful investigation ( XXXX ) and respond within XXXX days. The only acceptable verification is based on original-source records. 
MANDATORY DELETION : If you can not produce the original, complete account-level ledger ( from opening through charge-off ) and the documented raw XXXX XXXX Base-segment data proving the correct Field XXXX ( DOFD ) and Field XXXX = {$0.00} status, you MUST IMMEDIATELY CEASE REPORTING and instruct all CRAs to DELETE this tradeline. 
REQUIRED DISCLOSURE : For any information you retain, provide your Method of Investigation, a copy of the specific records reviewed, and the XXXX logs XXXX message IDs, reason codes, timestamps ) for all related disputes/updates. 
Failure to delete unverifiable data will prompt immediate action under FCRA 616, 617, seeking Punitive Damages for willful noncompliance. 
Sincerely, XXXX XXXX XXXX Enclosures : ID ; Proof of Address ; Highlighted Bureau Pages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX DISPUTE ( Medical Collection ) Date : XX/XX/year> XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : IMMEDIATE DEMAND FOR DELETION FORMAL DIRECT DISPUTE UNDER FCRA 623 ( a ) ( 8 ) & 12 C.F.R. XXXX ACCOUNT : Collection for XXXX XXXX XXXX Acct # [ Last XXXX ] CONSUMER : XXXX XXXX XXXX | XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX NOTICE OF LEGAL LIABILITY & LITIGATION HOLD This letter imposes a Litigation Hold on all records ( paper, electronic, assignment contracts, audit trails ). Failure to comply is spoliation of evidence and may be deemed willful noncompliance. ( FDCPA Liability preserved ) FURNISHING DEFECTS & FCRA VIOLATIONS Illegal Formatting ( XXXX XXXX Misuse ) : Your furnishing utilizes impermissible revolving/installment codes ( monthly " CO '' codes, Past Due bucket ) on a third-party collection. Collections MUST be XXXX XXXX XXXX and must not report this data. 
Missing Chain of Title/DOFD ( 623 ( a ) ( 5 ) ) : You have failed to produce the Original Creditors ( OC ) documentation establishing the chain of assignment/legal right to report and the OC 's Date of First Delinquency ( DOFD ).

Accuracy Failure ( 607 ( b ) ) : Inter-bureau date conflicts persist ( e.g., Date Last Active ).

ULTIMATE DEMAND : DELETE IF UNVERIFIABLE Pursuant to FCRA 623 ( a ) ( 8 ), you must conduct a meaningful investigation ( XXXX ) and respond within XXXX days. The only acceptable verification is based on original-source records. 
MANDATORY DELETION : If you can not produce the complete legal chain of title/assignment and the Original Creditors itemized ledger establishing the correct Field XXXX ( DOFD ), you MUST IMMEDIATELY CEASE REPORTING and instruct all CRAs to DELETE this tradeline. 
XXXX XXXX : Provide the raw XXXX XXXX XXXX segment data and the XXXXXXXX logs for all disputes/updates. You must also provide a copy of the specific records reviewed during your investigation. 
( Medical Privacy Note ) : Limit disclosures to permissible provider metadata ( no diagnosis/procedure ). 
Failure to delete unverifiable data will prompt immediate action under FCRA 616, 617, seeking Punitive Damages for willful noncompliance. 
Sincerely, XXXX XXXX XXXX Enclosures : ID ; Proof of Address ; Highlighted Bureau Pages ; Claim # /Dates of Service Cover Sheet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was charged almost XXXX deferred interest fee by XXXX XXXX Card on XX/XX/year>. 
I was never told verbally that I had to pay the full balance within six months to avoid this fee. 
I made all payments on time and acted in good faith. 
The dealership and XXXX XXXX  Card failed to clearly disclose these terms. 
I request a refund or partial reversal of the {$500.00} due to deceptive and unclear communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NJ

Complaint narrative:
My Cash App was closed without notice. And there was no reason behind the closure. I reached out to cash support and they could not provide me any assistance. I only use my cash app with family members and friends and to pay bills and also occasionally on XXXX I had tried to use the debit card on a sending app call XXXX XXXX and it was declined so Im not sure if thats the reason why it was closed. But it is not enough reason to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been charged multiple overdraft fee which I dont feel were all correct

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 2025-10-14 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: OH

Complaint narrative:
XX/XX/XXXXclean XX/XX/XXXXhistories Facts : Your two-year grid is unlabeled/blank while XXXX show complete OK histories. Dispute : Any and all late months ( none shown in your grid, but I dispute the completeness ). 
Provide : FullXX/XX/XXXXstatements, ledger ; XXXX if any. Codes proof. Law : FCRA 607 ( b ) ; 611 ; Reg V 1022.42 ; XXXX. XXXX XXXX : XXXX, Date of Account Information, Account Status. Relief/Warnings/Enclosures : As above. 
XX/XX/XXXXHigh Balance mismatch Facts : XXXX High Balance {$44000.00} ; Equifax shows {$26000.00} for the same auto loan ; all show CO {$8500.00}. Dispute : All late/CO months and High Balance figure. 
Provide : Complete statements & payoff history ; verify true High Balance ; DOFD. Law/Fields : FCRA 607 ( b ), 611 ; Reg V 1022.42 . High Credit/Original Amount, Current Balance, Account Status, Date of Account Info. Relief/Warnings/Enclosures : As above. 
XX/XX/XXXX : XXXX late count ( facially impossible/misleading ) Facts : Your Days Late 7 Year History shows XXXX : XXXX XX/XX/XXXXhows XXXX XXXX XX/XX/XXXX shows XXXX with CO months. Dispute : Every 30/60/90XXXX month. 
Provide : Statements & ledger for each month ; DOFD. Codes proof. Law/Fields : FCRA XXXX ( b ), 611 ; Reg V 1022.42 ; XXXX. XXXX, XXXX XXXX, Account Status, DOFD. Relief/Warnings/Enclosures : As above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or usage. Attached are the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D.S. Erickson & Associates, PLLC
State: WI

Complaint narrative:
I spoke with XXXX XXXX regarding a medical debt paid by my insurance company, and this is double-dipping. I was informed that the debt is no longer with XXXX XXXX ( XXXX XXXX  ), and I should contact another collection agency D.S. Erickson & Associates. I then sent a letter on XX/XX/year> with no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 2025-10-14 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: FL

Complaint narrative:
I have contacted equifax credit report numerous times about sending me a proof of the derogatory remarks that XXXX XXXXXXXX placed on my report. XXXX XXXXXXXX has never provided me with proof of this debt, I wrote to them asking for a bill statement and they never did, I also asked equifax to send me proof that the information is correct and they never did, all they are saying is that the information is correct. This is damaging my report because I am trying to get a loan from the bank to pay off some of my debt and because of this derogatory remarks I am not able to get approved. I do not owe XXXX that money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with non-monetary relief