vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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 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. The following accounts are reported on my credit report inaccurately : XXXX- {$5800.00} Collection debt from XXXX XXXX that has interest being added monthly is inaccurate and against the FCRA guidelines, XXXX XXXX XXXX XXXX XXXX - {$670.00} inaccurate, XXXX XXXX XXXX XXXX-inaccurate , XXXX- {$10000.00} inaccurate, XXXX XXXX- {$1500.00} inaccurate, XXXX XXXX {$980.00} ( medical collection ) inaccurate, I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. In addition to this request for correction, I would like to address the potential for civil liability under 15 U.S.C. 1681o, which outlines that a consumer reporting agency may be held liable for negligence if it fails to comply with the requirements of the FCRA. Should your investigation fail to correct these errors or adhere to the legal timelines and procedures for resolving disputes, I will consider pursuing legal action under this provision for any damages caused by your negligence.

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 2025-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Avadyne Health Holdings, Inc
State: AZ

Complaint narrative:
I called XXXX  XXXX XXXX billing department to find out why I had a balance, as I set up a payment plan with them over the phone and app, 8 times between XXXX. Each time, the date of the auto draft would approach, and XXXX XXXX XXXX wouldn't take it. And it would go past due. I called, and messaged, and told them SEVERAL times that it is not taking my payments. The system wasn't even attempting to take my payments. The billing department had me call in XXXX ( the last time i spoke to them ), and they deleted the existing payment plan, and then they would reset it up on the phone, and they promised me that it would take the payment this time. Well, we ended up moving out of state. We ended up losing {$90000.00} on the sale of our Texas home and have a lot less money than we used to in XXXX of XXXX. Fast forward to today, and I got connected with H & R Accounts. I told the first representative from the beginning of the call that I tried to pay them several times. I practically begged them to take my money over a year ago. My last attempt to get them to take my money was in XXXX of XXXX before we moved. The representative from H & R accounts said " you don't have the money saved from when you set up your payment plan? '' and I said " money from almost a year ago? No, I don't ... '' and she replied " Hm i guess everyone handles their finances differently '' and I felt completely judged by her. I told her that i had just told her, we have a lot less money now than we did before. I asked for a supervisor, and I was hung up on. I ended up calling XXXX  XXXX XXXX  and settled the debt with them directly. The representative a TXXXX XXXX XXXX told me that they were having system issues back then and not taking payments. Both accounts have been settled in full as of today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
XX/XX/XXXX : I have been receiving numerous notice from XXXX XXXX on case # XXXX regarding a debt with some collection agency - XXXX XXXX XXXX. 

The problem is that I do not know who the original creditor is/are and now the debt has been turned over to a another collection agency called Blitt & Gaines . I have tries to request documentation about the original creditor from Blitt and tried to work with them on settling, just to try to get rid of this debt, unsuccessfully. I am a part of a Legal Plan at work and requested they write a letter to Blitt and Gaines, they refused the offer of {$1000.00} @ {$50.00}, per month. I came round Blitt & Gaines ownership, while working on a XXXX 's collection case with them. No one has ever called or contacted me regarding this debt, but I now get text messages monthly regarding this case XXXX, nor was I ever summoned to appear in court or notified that this debt was turned over to collections. This appear to be a violation of my rights as a consumer! 

I have included a noticed received in the mail in XXXX from a Law Firm wanting to represent me, it is the only time I became aware of this debt. I have included one of three text messages received from the XXXX XXXX XXXX regarding a court date, but never served! Lastly, I have included the letter issued by my work legal firm, but the offer was rejected by Blitt & Gaines.

I have tried to resolved this debt, but this collection agency is greedy. I have settled many of my debts and working on a payment plan with a lot of creditors, that is the reason I have tried to settle with Blitt & Gaines. I am retiring in the next year and trying to resolve as much debt as possible before that time. This case has dragged on for almost a year, without any resolution. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-07 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
A double payment was misprocessed from my bank to Capital One for the amount of {$870.00}. The problem was that the payment went through twice. This caused me to be negative for my bank account. It also caused me to be over the limit with my credit card. This should not have happened. I spoke with several people to try to resolve this issue. I was told that I would get a call by Capital One after 7 days of an investigation. This did not happen. After 9 days, I had to call back to get some sort of response. I was told by one agent that the problem would be fixed. It was not. I had to call back again. When I did that time, I was told that it could not be electronically sent to my bank. It would have to be mailed as a check instead. Because of this, I was dinged on my credit for non-use of my card. This was because I was over my limit. This was due to incompetent employee performance. This was not my fault. I could not use my credit card because of this. 

I was dinged on my credit again for another reason having to do with employment incompetency, and I believe it may have had to do with my balance. The problem is, none of this was my fault. I tried to reach out to resolve this and Capital One was not very helpful. 

Later, I contacted the XXXX. Capital One did have a supervisor who reached out to me and declined to fix my credit because they reported it correctly. I have to agree. They did, in fact report it correctly. Addressed was the employment incompetency and misinformation that I was given that led to having to be reported to begin with. None of this necessary reporting was due to any error on my end. 

Ultimately, I would like to see an adjustment in some way shape or form to my credit because I have worked very hard to get my score up from a very low one. 

I believe that Capital One should hold some accountability for this issue. I understand, however, that they can not lie regarding reporting inaccurately. Their reporting was correct. The employment incompetency that led to it to begin with was utterly disgusting. Please look into this.. I have done much to try to resolve this over several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC for reporting inaccurate and unauthorized information on my credit report. This company has obtained my personal information from a debt collector who previously wrote off the alleged debt, and they are now attempting to collect or report it without legal basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I opened the account with a mailer promotion that gives me XXXX $ bous after I qualified the direct deposit of XXXX $ within 60 days, I qualified it within around 50 days but now the company still havent pay me the opening bonus they advertised and promised. I am also having a hard time communicating with them through phone channel. 
I kindly ask TD bank to review my account and post the bonus that i deserved from Day1. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that was fraudulently opened in my name due to identity theft. 

Please remove late payments fraudulently accounts : XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately.

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : XXXX. A copy of my government-issued ID. 
XXXX. A copy of a recent utility bill ( to verify my address ). 
XXXX. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, 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 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: AR

Complaint narrative:
They started contacting me about a debt that they shouldn't no nothing about because it's not verifiable.

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 2025-02-07 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
On different occasions I have disputed the collection account of XXXX XXXX XXXX XXXX that erroneously appears on my Equifax credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by Equifax that they did not carry out an efficient investigation to determine that those accounts that appear on my XXXX  XXXX XXXX XXXX credit report do not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and that is why I request that these erroneous accounts that appear in Equifax be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information below is the wrong information shown on XXXX. XXXX XXXX XXXX XXXX Remove from my credit XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX Remove from my credit XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Remove from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2025-02-07 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-07 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: OH

Complaint narrative:
XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I previously disputed this inquiry stating : " I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation