vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Violation of FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Investigate Dispute Within 30 Days ( Experian ) Complaint : I am filing this complaint because Experian failed to adhere to its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires that consumer reporting agencies complete investigations of disputed information within 30 days of receiving notice of a dispute. 

On I submitted a formal dispute to Experian regarding the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Experian acknowledged receipt of my dispute on XX/XX/year> via USPS Certified mail but failed to complete the investigation and provide the results within the required 30-day period. 

Under the FCRA, if a consumer reporting agency does not complete a dispute investigation within the statutory timeframe, the disputed information must be immediately removed from the consumers credit report. 

Requested Resolution : I request that the CFPB require Experian to : Immediately delete all items I disputed from my credit file due to noncompliance with the 30-day investigation requirement.

Provide written confirmation of the deletions. 
Ensure no reinsertion of the deleted information without full compliance with FCRA reinvestigation procedures. 
Thank you for your attention to this serious violation of my rights

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 2025-04-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Requested a copy of my credit report and there is an account from a company that I do not recognize. The name of the company is LVNV Funding LLC. The information is showing that they are the original creditor and there was an account opened on XX/XX/year>. This is false information because I do not know who this company is and have not applied for any type of credit through a company by that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/2025 Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX Subject : Request for Arbitration Account XXXX Dear Portfolio Recovery Associates, I am writing in relation to the alleged debt associated with my name and account. As a consumer, I take this matter seriously and would like to address it appropriately. Due to unresolved concerns regarding this debt, I am invoking my right to resolve this dispute through arbitration in accordance with applicable laws and the terms governing the debt, including any contractual agreements associated with the original creditor. 
To facilitate the arbitration process, I kindly request the following : 1. Arbitration Clause Details : Please provide a copy of the arbitration clause in the original agreement that governs this debt.

2. Arbitration Forum Information : Specify the arbitration forum designated in the agreement and provide details on how to initiate the process. 
Furthermore, I formally request that you refrain from any third-party communication regarding this alleged debt, including but not limited to reporting or sharing information with credit reporting agencies. Such actions prior to the resolution of this matter through arbitration would be inappropriate and could be considered a violation of my rights under applicable laws, including the Fair Debt Collection Practices Act ( FDCPA ). 
Until this arbitration process is concluded, I respectfully request that you cease all collection efforts and direct all future communication to me in writing at the address listed above. 
I look forward to resolving this matter through the prescribed legal process. Thank you for your attention to this request. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-28 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 am writing to formally dispute the reporting and management of my account with XXXX XXXX as it currently appears on my credit reports with Experian, XXXX XXXX XXXX 

After reviewing my credit files, I have identified serious inaccuracies, inconsistencies, and harmful reporting practices that violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically : Violations Identified : 1. Inconsistent Balance Reporting : {$2900.00} is reported to Experian and XXXX ; {$2800.00} is reported to XXXX 
Under the FCRA, balances must be accurately and consistently reported across consumer reporting agencies. 
2. Inconsistent Last Activity Dates : XXXX  and Experian report XX/XX/year>, while XXXX reports XX/XX/year>XXXX 
Differing last activity dates artificially manipulate credit scoring models and mislead future creditors. 
3. Conflicting Payment History Reporting : Payment history is not reported uniformly across the bureaus, with multiple NR ( Not Reported ) gaps aXXXX XXXX  compared to consistent OK marks elsewhere. 
Payment history must be fully and consistently reported under the FCRA. 
4. Inconsistent Credit Utilization Reporting : Utilization rates are reported at 100 % on some bureaus and 94 % on others, creating misleading impressions of my debt-to-credit ratio. 



Resulting Harm : These violations have caused : Damage to my credit scores, Denial of credit opportunities, Higher interest rates, Emotional distress and reputational harm. 

As such, these violations entitle me to seek remedies under 15 U.S.C. 1681n and 1681o for statutory damages, actual damages, punitive damages, and attorneys fees if necessary.

Formal Demands : 1. Balance Adjustment : I demand that the current outstanding balance of [ {$2900.00} or current amount ] be adjusted to {$0.00} immediately. 
2. Retention of Open Account Status : I demand that this credit card account remain open and active with no derogatory reporting, no account closure, and no adverse changes to the accounts good standing after the balance adjustment is made.

3. Monetary Compensation : I demand monetary compensation of {$5000.00} to resolve the damages sustained as a result of the reporting violations. 
4. Written Confirmation : I require written confirmation of the XXXX balance adjustment, open account status retention, and resolution of my dispute within 15 calendar days of your receipt of this letter. 



If you fail to respond appropriately or correct these violations, I am fully prepared to escalate this matter by : Filing formal complaints with the Federal Trade Commission ( FTC ), and my State Attorney General ; Initiating a lawsuit for statutory, actual, and punitive damages under the FCRA.

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 2025-04-28 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 writing to formally dispute the following federal student loans appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). These loans were issued under the U.S. Department of Education, which has since been abolished, rendered these debts legally unenforceable and unverifiable. The originating agency for these loans no longer exists, making these debts legally unenforceable. Inability to Verify Debt- Per the Fair Credit Reporting Act FCRA 15 U.S. Code 1681i, you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No Valid Current Creditor- XXXX XXXX XXXX these loans on behalf of the DOE XXXX which no longer exists.There is no legal authority to collect or report this debt. ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

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 2025-04-28 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-28 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:
Today, while checking my credit report as part of my regular routine, I was surprised to find inaccurate accounts listed. I don't know how or why they appeared. I refreshed my browser hoping it was just a display issue, but the errors did not go away. Because of this, I am requesting a detailed review of the documents I submitted to make sure this matter is permanently resolved.

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 2025-04-28 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: OH

Complaint narrative:
XXXX has failed to provide accurate information about the original applicants address I have repeatedly advised I have not lived at any addresses associated with a XXXX XXXX account ( s ). This is being reported as a issued card from XXXXXXXX 
There has been several data breaches by credit reporting agency 's and XXXX XXXX themselves which has not sometimes reported to consumers. I ask if a 12 year debt has been outstanding so long and why now I have been issued a 1099-C after I've filed my taxes foXXXX XXXX, I now have to file a amended I.R.S. for a clearly fraudulent account which XXXX XXXX never has supplied me with how they validated the account.

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 2025-04-28 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: OH

Complaint narrative:
XXXX has failed to provide accurate information about the original applicants address I have repeatedly advised I have not lived at any addresses associated with a XXXX XXXX account ( s ). This is being reported as a issued card from XXXX 
There has been several data breaches by credit reporting agency 's and XXXX XXXX themselves which has not sometimes reported to consumers. I ask if a 12 year debt has been outstanding so long and why now I have been issued a 1099-C after I've filed my taxes for XXXX, I now have to file a amended I.R.S. for a clearly fraudulent account which XXXX XXXX never has supplied me with how they validated the account.

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 2025-04-28 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: NC

Complaint narrative:
XXXX and I agreed to pay to delete the debt and remove both trade lines from my credit report. One that was entered erroneously and the original trade line from XX/XX/year>. 
once the debt was paid the orginal debt was removed but not the erroneous second trade line. I called XXXX and the stated that there is no reporting of the debt on their end. I called Equifax and they stated that the company is reporting the debt and they can not delete it. Now XXXX will not respond to the calls or emails. Someone needs to fix this or we will be going to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I submitted a complaint on XX/XX/year> regarding the withholding of an insurance claim payment. Shellpoint Mortgage Servicing claimed that the check they received from our insurance company had not cleared, and they would not issue our payment until then. 
I asked them to do a wire to expedite payment once they finally received the money in their account, but was told that is not possible. They claimed only a check could be issued. Shellpoint did confirm receipt of a return label ( XXXXXXXX XXXX XXXX for sending my payment to our adjuster. They received this label, along with the check from XXXX XXXX on XX/XX/year>, and the label was to be used by them to send the initial draw. 
On XX/XX/year> I received a response to my complaint through this website. The letter from Shellpoint on XX/XX/year> sent by XXXX XXXX states that a wire was sent to me on XX/XX/year>, which never happened. I never provided my routing and account numbers for a wire, since I was told they could not do a wire. To whom did they wire the funds? 
Shellpoint has been holding the funds in their account since they deposited the check on XX/XX/year>. This check cleared XXXXXXXX XXXX XXXX account on XX/XX/year>. During regular and frequent calls to Shellpoint I was told that this claim was being escalated - emails were supposedly being sent to supervisors/managers/processing department to escalate. The attached letter states that the funds were wired to me, but I can not find out where this wire was sent.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I registered for a PayPal business account on XXXX XX/XX/year>. On XXXX XXXX XXXX PayPal asked me to verify my PayPal account by linking and confirming both a card and a phone number, which I did. My account was fully verified and I decided to start using it to accept payments from my clients. 

On XX/XX/year>, I received {$110.00} from my client and it was put on hold for 21 days and I understand this is normal. By XX/XX/year>, I had a total {$760.00} on hold and the money was still coming, it could hit {$10000.00} before 21 days ended. 

Then, PayPal placed a temporary limitation on my account asking for Photo ID, proof of address and proof of fulfillment for specific transaction. I submitted all of this on time, but as I was submitting I saw " you can no longer use Paypal ''. My account was permanently deactivated for no good reason. What had I done wrong? Nothing. PayPal is a legal theft. 

Since then I have been contacting PayPal customer support and all I get is their pastes, " decision to permanently limit my account is solid and reached on legal grounds. '' I messaged them asking when exactly will I be able to withdraw my money. They were suppose to tell me the date but instead they said the decision to permanently deactivate my account can not be appealed. This shows that they even didn't read my message. 

Due to this, my business which I sold my everything to start is paused. It lost momentum immediately and I decided to pause maybe until XX/XX/year> when I'll be able to tranfer my money to bank. BUT NOW PAYPAL, WHY ALL THIS UNFAIRNESS? WHY ALL THIS UNJUST PRACTICES? ARE LAWS NOT THERE IN USA? 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: FL

Complaint narrative:
My home was damaged XX/XX/year> by a Tornado spawned from Hurricane Milton. My insurance company agreed to {$54000.00} in damages. My mortgage lender is holding and has refused to release {$21000.00} for one window that remains broken from the Tornado. According to my insurance company, that window replacement was valued at < {$200.00}. I have now paid out of pocket just over {$40000.00}, while only receiving {$33000.00} from my mortgage company of the money MY insurance company paid out. While I understand my mortgage company wanting to ensure all work is complete, they also need to ensure they causing me financial distress by not releasing me sufficient funds to complete work. They sent out an inspector that verified that 90 % of the work is complete. There is no justifiable reason for them to not disperse me the remainder of the funds so that I can get that window fixed, and before hurricane season gets here. As a last note, leaving this window unrepaired, covered only with plastic, leaves my home unprotected and vulnerable to theft. I've had to remove my alarm sensor and tape it together just to be able to set my alarm, which now means I won't be alerted nor will the police, if someone enters my home through that window. This has become an urgent matter that my mortgage company is not treating as urgent.

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 2025-04-28 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:
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 2025-04-28 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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