vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting 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 failure aligns with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates the federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: NE

Complaint narrative:
I have received multiple phone calls in regards to a debt based off my visit at an urgent care clinic, which has been resolved through my insurance company and they had claim that there is no amount due. 
As of XX/XX/year>, I received a text stating to pay for a debt from Receivable Management LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Round XXXX ( 1692g Validation of Debt ) Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I received a copy of my credit report and found the following items to be errors. The items in question are listed below : Crditor Name : PORTFOLIO RECOV ASSOC Account Number : XXXX Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, such as an ORIGINAL CONTRACT BEARING MY SIGNATURE. I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the Better Business Bureau. 

Additionally, please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The account was closed in XXXX but the payments are all up to date and current. 
XX/XX/XXXXXXXX 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 2025-03-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I keep trying to get Experian to remove the regional finance account from my credit report. I reported XXXX XXXX to my local state attorney general 's office to have them delete the account and I filed a complaint to Experian to have them remove it from my credit file. Everytime I call Experian, they have me waiting on the phone for hours and this has been going on since the beginning of this month. I have submitted all of the necessary documents for them to remove the regional finance account but they refuse to remove it.

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 2025-03-11 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 2025-03-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Complaint : Incorrect Reporting of Business Credit Card on Personal Credit Report Dear XXXX XXXX Department, I hope this message finds you well. I am writing to formally express my deep disappointment and urgent need for immediate resolution concerning an issue with the reporting of my XXXX XXXX Credit Card. 

I have held this business credit card for more than XXXX years, maintaining good standing throughout this period. Until recently, this account was solely associated with my business credit, as per the original terms and conditions. However, I was shocked to discover that this business credit card has inexplicably appeared on my personal credit report, jeopardizing my current attempt to purchase a home for my family. 

This incident has caused significant stress, contributing to a state of deep XXXX, as I was in escrow for the acquisition of a house when this error occurred. My mortgage lender flagged this unexpected presence of my business credit card on my personal report, bringing the home-buying process to a sudden halt. 

Upon discovering this misleading report, I contacted your credit reporting department and spoke with a supervisor who identified it as a " glitch in the system. '' While I appreciated the acknowledgment of an error, this explanation does not rectify the urgent situation I face. 

Under the Fair Credit Reporting Act ( FCRA ), and specifically pursuant to 15 U.S. Code 1681 ( a ), I understand that information furnished and reported must be accurate and reflect the proper account associations. Given this regulation, I insist that this business credit card be removed immediately from my personal credit report. 

This incorrect reporting must be corrected as swiftly as possible to allow me to continue the process of purchasing my home. The repercussions of this error are significantnot only financially but emotionally and personally for my family and I. 

I kindly request an immediate investigation and to be informed in writing about how you plan to address this issue and prevent future occurrences. If necessary, please treat this as a formal dispute of the information reported to credit bureaus. 

Thank you for your immediate attention to this urgent matter. I trust that XXXX will address this promptly to restore both my personal credit report 's accuracy and my trust in your institution. 

Sincerely,

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 2025-03-11 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Complaint : Incorrect Reporting of Business Credit Card on Personal Credit Report Dear XXXX XXXX Department, I hope this message finds you well. I am writing to formally express my deep disappointment and urgent need for immediate resolution concerning an issue with the reporting of my XXXX XXXX Credit Card. 

I have held this business credit card for more than XXXX years, maintaining good standing throughout this period. Until recently, this account was solely associated with my business credit, as per the original terms and conditions. However, I was shocked to discover that this business credit card has inexplicably appeared on my personal credit report, jeopardizing my current attempt to purchase a home for my family. 

This incident has caused significant stress, contributing to a state of deep XXXX, as I was in escrow for the acquisition of a house when this error occurred. My mortgage lender flagged this unexpected presence of my business credit card on my personal report, bringing the home-buying process to a sudden halt. 

Upon discovering this misleading report, I contacted your credit reporting department and spoke with a supervisor who identified it as a " glitch in the system. '' While I appreciated the acknowledgment of an error, this explanation does not rectify the urgent situation I face. 

Under the Fair Credit Reporting Act ( FCRA ), and specifically pursuant to 15 U.S. Code 1681 ( a ), I understand that information furnished and reported must be accurate and reflect the proper account associations. Given this regulation, I insist that this business credit card be removed immediately from my personal credit report. 

This incorrect reporting must be corrected as swiftly as possible to allow me to continue the process of purchasing my home. The repercussions of this error are significantnot only financially but emotionally and personally for my family and I. 

I kindly request an immediate investigation and to be informed in writing about how you plan to address this issue and prevent future occurrences. If necessary, please treat this as a formal dispute of the information reported to credit bureaus. 

Thank you for your immediate attention to this urgent matter. I trust that XXXX will address this promptly to restore both my personal credit report 's accuracy and my trust in your institution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I previously notified Equifax of unauthorized inquiries on my credit report and submitted an FTC Identity Theft Report as supporting evidence. However, Equifax responded by stating that the inquiries were verified, yet failed to provide any explanation or proof of how this verification was conducted. Under the Fair Credit Reporting Act ( FCRA ), inquiries must have a permissible purpose, such as for employment, insurance, a court order, or a firm offer of creditnone of which apply in this case. Furthermore, in XXXXXXXX XXXX XXXXXXXX, the court ruled that credit reporting agencies must conduct a proper and reasonable reinvestigation of disputed information rather than simply relying on automated responses. Given Equifaxs failure to properly verify these inquiries, I formally request the immediate removal of the following inquiries within 7 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The 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 has violated my rights. 

I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. 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 ( XXXX ) 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My problems with Huntington Bank basically started when I went to XXXX for a family trip. While I was in XXXX, they blocked full access to my checking account and my XXXX transfers. After numerous phone calls, I was able to get my app unblocked on my phone while I was in XXXX. This took several weeks. It was obviously very inconvenient to not have access to my money for several weeks. 

When I came back to the XXXX, I had access to my account, but XXXX was not working to make simple transfers. I called their customer service to explain the problem, and they instructed me to uninstall the huntington app on my phone and reinstall it. When i reinstalled it, it would not let me log in to the account. 

I called customer service twice again, and I was told that I could no longer use my personal device to use the app. They did not explain further why I could no longer use my personal phone. I travel a lot for work within the united states and not being able to use my phone especially as I have a personal checking account and a business account with huntington would not work for me in the future. I will no longer be banking with huntington but am filing this complaint to avoid problems for other customers in the future. For context, I have been banking with huntington since I was about XXXX XXXX XXXX. I am now XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am writing to express my extreme dissatisfaction with the way Newrez has handled my mortgage account and the subsequent customer service I have received. 

On XX/XX/year>, I was informed that my XXXX payment, drafted on XX/XX/XXXX, had been returned. My husband made the XXXX payment over the phone on XX/XX/XXXX and was assured that this would resolve the issue. Despite this, we began receiving certified delinquent letters threatening foreclosure. 

On XX/XX/XXXX, I spoke to a representative who apologized and promised to open a research ticket. I submitted my bank statement showing the XXXX payment was drafted. On XX/XX/XXXX, I was told that the research ticket had never been opened. I escalated to a supervisor, XXXX XXXX, who created a research ticket ( XXXX ) and assured me the issue would be resolved within 48 hours. 

On XX/XX/XXXX, I checked online and saw that I was still showing as delinquent. I called XXXX XXXX 's direct extension, but there was no option to leave a voicemail. I then called customer service and spent 30 minutes explaining my situation again. The representative insisted I show proof that the XXXX payment was made, despite my explaining it was made over the phone. I requested to speak to a supervisor, but the representative became rude and defensive. After much insistence, she finally transferred me. While on hold, I submitted my bank statement showing the XXXX payment. 

I finally spoke to a supervisor, XXXX, who said she would escalate the issue and that it would take 24-48 hours to resolve. I requested a callback with a status update, but XXXX said that was not possible and that I would have to call the regular customer service number. 

I work at a mortgage servicer and am appalled at how Newrez has handled this issue. Every time I have called, I have been given new information. The customer service representatives need better training. I was insulted by how I was spoken to by the representative on XX/XX/XXXX. Receiving certified delinquent letters when I am not truly delinquent is abusive and threatening. 

I have spent the last 2 months attempting to resolve this issue without success. I am hopeful that filing this complaint will result in a resolution.

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 2025-03-11 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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