vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: MI

Complaint narrative:
i recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
There is an old hard inquiry still showing from XXXX for Capital One Bank that should no longer be appearing. It is now causing a negative impact upon my credit score and affecting me personally causing me damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Demand for Deletion of Charge-Off FCRA, FDCPA, and IRS Code Violations Account Name : XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX  This is a formal demand for the immediate deletion of the above-referenced charge-off account from my Equifax credit report. The reporting of this account violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS Code 6050P.

1. FCRA 1681e ( b ) : You are required to ensure maximum accuracy in the information you report. This charge-off was written off by the original creditor, and if a 1099-C was issued or the debt forgiven, the account is no longer valid or legally collectible. Continuing to report it is inaccurate and misleading. 
2. FDCPA 1692e : Reporting a debt that has been discharged or written off as income misrepresents its legal status. That is a violation.

3. IRS Code 6050P : If the debt was charged off and a 1099-C was or should have been filed, the creditor has already claimed a tax benefit. Reporting it as an active debt after it has been written off constitutes double recovery and violates federal guidelines. I demand that this account be deleted immediately. If you can not provide full validation, including any 1099-C filed, original contract, and legal proof the debt remains enforceable, you must delete the account within 30 days as required by FCRA 1681i. Failure to comply will result in formal complaints with the FTC and other regulatory agencies, as well as litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
All medical collection companies can not report collections on credit report. After several disputes, this company still calls and is now calling my family members, and saying they will take legal actions against us all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX Subject : Request to Remove Inaccurate Credit Information Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The following personal information is incorrect Employers : XXXX XXXX XXXX  Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX Open : XX/XX/XXXX bl. XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX Open : XX/XX/XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX Account Number : XXXX Open : XX/XX/XXXX bl. XXXXXXXX XXXX XXXX XXXX/XXXX  {$11000.00} Account number XXXX Open date XX/XX/XXXX XXXX XXXX XXXXXXXX {$12000.00} Account number XXXX Open date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$11000.00} Account number XXXX XXXX, XXXX XXXX XXXXXXXX Account number XXXX Date opened XXXX XXXX, XXXX  Original creditor XXXXXXXX XXXX XXXX XXXX XXXX  Collection/Charge- XXXX  Account Number : 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 2025-04-06 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: TX

Complaint narrative:
All this XXXX accounts should be deleted its not mine I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within XXXX  days in order to be in compliance with FCRA guideline XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX 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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I discovered this collection from my loan officer, as they never sent a letter regarding it. called XXXX to request validation of the debt. Still, I haven't received any documents They damaged my credit without providing proof or allowing me to defend myself.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion, XXXX, and XXXX are reporting inaccurate information related to three accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no obligation to pay this company. I previously contacted the original creditor, who has provided all requested documentation proving I do not owe this debt to XXXXXXXX XXXX 

I have also attached multiple statements I received from the creditor, which show inconsistent and inaccurate payment information. These inconsistencies further confirm that the information being reported to the credit bureaus is not reliable or accurate. 

Additionally, I sent a formal dispute letter to the credit bureaus on XX/XX/year>, which I have also attacheddated and time-stamped for your reference. It has now been over four months with no resolution. 

I am formally requesting the immediate deletion of these three XXXX XXXX accounts from my credit reports with all three bureaus. Continued reporting of unverifiable and inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

Please resolve this matter and confirm deletion in writing.

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 2025-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
I am filing a formal complaint against Healthcare Finance Direct, LLC ( HFD ) for attempting to facilitate and assign a debt for which they had no legal standing, authority, or creditor relationship. The alleged obligation stems from a purported agreement between myself and XXXX ( XXXX ), a now-bankrupt entity. However, HFD, by its own contractual language, is explicitly defined not as a lender or creditor, but merely as a third-party payment processing service provider. Accordingly, HFD had neither the legal authority nor the assignable interest to transfer or initiate collection activity on a debt to any third-party collector, including XXXX, without express consent and without ever holding the debt themselves. 

The alleged agreement, dated XX/XX/XXXX, contains a signature that I did not authorize, nor does it match my legal signature as shown on my U.S. passport. There is no evidence of my consent to any contract, and I never received disclosures nor affirmatively agreed to any electronic signature, violating the E-SIGN Act ( XXXX U.S.C. XXXX ( c ) ) and the Uniform Electronic Transactions Act ( UETA ). This signature appears to be fabricated or system-generated without my knowledge or authorization, constituting a potential case of identity misuse or signature forgery. 

Moreover, I received no services whatsoever from XXXX : no consultation, no contact with a licensed orthodontist, no delivery of aligners, and no medical oversight. The company declared bankruptcy and ceased operations in XXXX, further nullifying any contractual performance or claim of financial obligation. 

HFD, not being a lending institution, had no authority to assign the alleged debt. Their attempt to do so constitutes a material misrepresentation of their role, violating the Fair Debt Collection Practices Act ( FDCPA XXXX ) and potentially consumer fraud statutes. Their actions also contradict the terms of the original agreement, which explicitly limit HFDs involvement to passive payment processing, not debt origination or assignment. 

Their actions have caused undue stress and reputational harm, particularly as the debt has since appeared on my credit report via XXXX, despite the lack of legal validation, treatment, or agreement. I consider this a gross overreach of administrative authority and demand this matter be formally investigated and remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am making a complaint against XXXX, a transaction was sent in error and the bank advised that this was out of there control. and there was nothing 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 2025-04-07 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:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) in relation to fraudulent activity on my credit report, which resulted from the exposure of my personal information in the XXXX data breach. Despite my efforts to resolve this matter with the credit bureaus, I have not received proper validation in accordance with the requirements set forth under Title 15 U.S.C. 1681, specifically the Fair Credit Reporting Act ( FCRA ). The FCRA outlines certain responsibilities for credit reporting agencies, users of credit reports, and those involved in reporting and investigating disputed information on credit reports. Under 1681i ( a ) ( 1 ), the FCRA mandates that a consumer reporting agency must conduct a reasonable investigation upon receiving a notice of dispute from a consumer, and it must complete the investigation within 30 days. However, I have not received the required validation or a timely resolution from the credit bureaus despite my repeated requests. Furthermore, under 1681c-2, the FCRA stipulates that consumers must be notified if their information has been impacted by fraudulent activity, yet I did not receive adequate notification or assistance in addressing the fraudulent accounts appearing on my credit report. Additionally, 1681e ( b ) requires that credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information reported. The failure to validate and properly investigate my disputes and address the fraudulent activity on my report is a direct violation of this provision, as the information remains inaccurate and unresolved. Due to these violations and the inability of the credit bureaus to properly validate the fraudulent activity and correct my credit report, I am seeking assistance through the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are upheld, and that the erroneous information is properly rectified.

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 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing in response to a communication I received from your office regarding an alleged debt. At this time, I am not aware of any account with Halsted Financial Services and do not recognize the debt you claim I owe. 

I have recently graduated from college and am in the process of securing stable employment. I am currently experiencing financial hardship and, more importantly, I have no record or recollection of owing a debt to your agency or the original creditor, whose identity remains unclear.

Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I request that you provide written validation of this debt. This includes, at a minimum : 1. The name and contact information of the original creditor.

2. A complete breakdown of the amount you claim I owe.

3. Documentation that proves I am legally obligated to pay this debt.

4. Evidence that Halsted Financial Services has the legal authority to collect on it.

Additionally, if this account has been reported to any credit reporting agency, I request that it be marked as disputed in accordance with the **Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
My card was stolen and used to make a {$1500.00} purchase on Sunday. I realized it was stolen when I tried to make a purchase using XXXX XXXX, but the transaction kept getting denied. My mom advised me to dispute the charge, but the system said I had to wait until the transaction was completed first. In the meantime, I locked my card and ordered a new one. I'm not sure exactly when I lost my card. Im visiting XXXX  from XXXX, and on Saturday, I went to XXXX XXXX. On Sunday, I stayed at the house all day while my girlfriend and her family went shopping. I didnt go anywhere that day, so Im unsure when or where the card was stolen. 

I called TD Bank to file a dispute and was given a claim number : XXXX. I want to make it clear that I am innocent in this situation and had no involvement in the unauthorized purchase. I lost my card, and I have no idea when or where it was taken. The bank provided me with temporary credit while they investigated, but the temporary credit has since been reversed. As a result, my bank account has gone negative, which is causing me significant concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XXXX, I contacted Best Buy Credit Card Services, which at the time was being managed by Citi, to request a credit line increase on my account. I was very clear with the representative that I wanted to avoid any unnecessary hard credit pulls. The representative read me my rights, and I verbally agreed to the credit pull. After a brief hold, I was told that my credit line was approved for a maximum of {$10000.00}, up from the {$2500.00} limit, and that I would receive the new Citi card within a few weeks. 

However, upon receiving the new card, I noticed that my credit limit had not been increased, despite the hard pull on my credit and the verbal confirmation from the representative. I contacted the company several times throughout the following weeks, and I was told each time that the credit line increase had been approved but was delayed due to the transition and processing issues. 

In late XXXX, I received a letter prompting me to call the company. When I called, the representative confirmed there was no issue with my account and assured me that everything was fine. By the beginning of XXXX, after still no changes to my credit limit, I escalated the issue to a higher-level representative. They informed me that, for unspecified reasons, my credit line increase would not be processed, and I would need to request another hard pull to move forward with the increase. 

I am upset that despite the original hard pull, my credit line was never increased, and I was given conflicting information throughout this process, including over and over again that my credit line was increased! Additionally, I am concerned about the impact the hard pull has had on my credit score, as it resulted in no tangible benefit. 

I would like to request either : A removal of the hard pull from my credit report since it did not lead to the promised increase, or The credit line increase to be implemented as originally communicated. 

This experience has been frustrating and disappointing, especially given my excellent credit history and partnership with many financial institutions. These folks are total garbage and deserve a spank.

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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Foris DAX, Inc.
State: NE

Complaint narrative:
- **Product : ** " Prepaid card '' or Bank account or service ( Crypto.com operates like a debit/prepaid card ) - **Issue : ** " Fraud or scam '' and then " Unauthorized transactions '' - **Company : ** XXXX or XXXX, XXXX ( Crypto.coms XXXX XXXX XXXX - **Problem Description : ** XXXX On XX/XX/year>, I reported several unauthorized XXXXXXXX XXXX  charges made with my Crypto.com XXXX card. XXXX confirmed that the charges came from a completely different account and refunded XXXX of the XXXX charges. I submitted all evidencescreenshots, transaction records, and XXXX 's confirmationto Crypto.com. 
XXXX XXXX I requested a card replacement, filed a dispute for the remaining charge, and followed all procedures. Crypto.com has : XXXX XXXX - Failed to issue provisional credit within XXXX business days, violating Regulation E. 

> - Ignored multiple written requests to issue me a new card. 

XXXX - Not provided any update or resolutiononly responses saying the case is being escalated. 

XXXX - Restricted my access to the account since XX/XX/XXXX, meaning I have had **no access to my funds** for over two weeks. 

XXXX I have also notified Crypto.com that I would file formal complaints if this remained unresolvedand they did not respond or act. This is unacceptable and a direct violation of federal consumer protection laws.

Company response to consumer: Closed with explanation