vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My car was in an accident on XX/XX/XXXX that caused XXXX XXXX to total out the car. XXXX XXXX paid {$18000.00} to Regional Acceptance Corp on XX/XX/XXXX. Leaving a balance of {$1100.00}. Regional Acceptance Corp attempted to file the GAP claim with XXXXXXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I contacted Regional Acceptance Corp and spoke with a customer service reps that informed me the email was bouncing back and their must be a problem at XXXX XXXX, she gave me the policy number and their contact number. 

I contacted XXXX XXXX, they verified their email address, verified they are receiving claims, and went as far as provide me with her email address so I can email the GAP claim to them on behalf of Regional Acceptance Corp, she did advise that the initial filing of the claim must come from the Lender but let 's give it a try. 

I contacted Regional Acceptance Corp on XXXXXX/XX/XXXX for a third time. I advised the person that I am in the process of getting a home loan and can not take any negative impact on my credit. The Regional Acceptance Corp customer service rep became insistent/aggressive with stating " you will never speak with someone in our claims department and you are responsible for filing the claim with XXXX XXXX! Regional Acceptance Corp does not file claims for GAP on their customer 's behalf. '' I asked to speak to a manager. I was put on hold for 15 minutes. The customer service rep stated " no managers are available '' put be on hold for another 10 minutes, came back stating " no managers are available on XXXX. '' I asked for a call back on XX/XX/XXXX. Today is XX/XX/XXXX, no one has called me back. 

XX/XX/XXXX I contacted Regional Acceptance Corp, XXXX the first customer service rep could not assist me and transferred me to XXXX in collections ( Note : I asked for a manager- I've never missed a payment nor was I ever late on a payment ). XXXX did confirm the email address Regional Acceptance Corp was sending to was incorrect... they ware sending to a XXXX vs. sending to XXXX XXXX  I asked for them to move my payment date out 30 days so I do not get any negative strikes on my credit. They can not accommodate. I feel my rights as a consumer has been violated due to Regional Acceptance Corp dragging their feet and doing their due diligence with regards to filing customers GAP claims in a timely manor. Verification of their carrier 's GAP insurance contact information. Poor training of customer service reps and how Regional Acceptance Corp handles GAP claims. I should not have to make another payment, I feel like Regional Acceptance Corp is extorting me by being lazy and having poor communication with me.

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 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: CA

Complaint narrative:
I am deeply concerned that First Credit Services is in willfully violating my rights under both state and federal debt collection laws. 

I have repeatedly requested that they provide proof of this debt, and it has been XXXX days since my initial request. I spoke to them today and they said they are still waiting for a response from there customer, anytime fitness. 

The issue is, by statute they have XXXX  days to provide this information or they must remove this item from my credit report. They can not just indefinitely report this on my report while they " wait '' for the validation documents. This negligence and mishandling is documented on my end and I am seeking the Bureau 's assistance in holding this company accountable for willfully breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
Experian has failed its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct 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. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates 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 2025-02-19 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a debt validation letter to XXXX XXXX on XX/XX/year>. They did not provide me the validation requested on or before the 30 day. They provided me with garbage mail just to say they sent me something. I filed the dispute and the credit bureau Did no investigation. They removed it and restored it on my credit report within 24 hours.

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 2025-02-19 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: AZ

Complaint narrative:
XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - XXXX XXXX A XXXX - IncorrectPersonal XXXX XXXX- IncorrectPersonal XXXX XXXX- IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled

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 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
Shellpoint Mortgage Servicing took over my mortgage in XX/XX/XXXX. I received a letter saying everything on my account would stay the same and there was no action needed by me. I started contacting Shellpoint Mortgage Servicing in XXXX of XXXX when I received my property tax statement because my escrow account is set up for my property taxes and my homeowners insurance. Several times I was told various different answers- they would send a check to me, they would send a check to the county I live in, they would send an electronic payment to the county. I contacted Shellpoint on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I spoke to a supervisor who told me my escrow account was only set up for my insurance and not my property taxes. This is incorrect as I have had my escrow account set up for property taxes and insurance set up this way for 22 years. The supervisor said they would do an investigation to see if my escrow should have been set up for my property taxes and if so, they would pay them AND they would pay the interest charges I was about to get because the property taxes were past due and the interest charges would not come out of my escrow account -- it would be paid by Shellpoint Mortgage Servicing. I asked to receive a phone call when the results of the investigation were done and what was going to be done about my property taxes be told to me but the supervisor refused to schedule any call or note my account that I should be notified. I have found that they did in fact pay my property taxes on XX/XX/XXXX but they did not pay the interest I was charged due to the past due status of my 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this dispute against Equifax for inaccurate and unfair information reported on my credit file, specifically regarding the incorrect reporting of late payments on my Account Mortgage XXXX. 
Below, I outline the reasons for my dispute and the laws I believe have been violated : 1. Violation of the Fair Credit Reporting Act ( FCRA ) : The incorrect reporting of late payments violates my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i ( correction of inaccurate information ) and 15 U.S. Code 1681s-2 ( responsibilities of information furnishers ), credit reporting agencies and information furnishers must ensure maximum accuracy in credit reports and promptly correct any errors. Despite prior requests to correct this data, the credit bureau has not conducted a thorough investigation and has relied on automated processes instead of a manual review, as required by the XXXX XXXX XXXX XXXX XXXX case. Furthermore, FCRA Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) impose specific penalties for willful and negligent noncompliance. 
2. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1637 ( b ) and 12 CFR 1026.5, creditors are required to send periodic billing statements with necessary information at least 21 days before the payment due date. In my case, I did not receive the statements as legally required, resulting in late payments inaccurately appearing on my credit report, failing to reflect my actual payment history. 
3. Violation of the Protection Against Non-Payment of Obligations Act ( PAANL ) : I invoke the Protection Against Non-Payment of Obligations Act ( PAANL ), which mandates that creditors accurately report contractual payment obligations and avoid generating late payment reports due to administrative or communication errors by the creditor. Misreporting late payments constitutes a violation of PAANL, unfairly impacting my credit history. 
4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The inaccurate information reported may also constitute an unfair or deceptive practice under UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) guidelines as established in the Dodd-Frank Act, regulated by the Consumer Financial Protection Bureau XXXX CFPB ). Additionally, FCRA Regulation V ( 12 CFR Part 1022 ) requires information furnishers to maintain reasonable procedures to ensure the accuracy of the data they report. 
Personal Impact : The persistence of this incorrect information has directly affected my financial stability, limiting my ability to access credit under fair terms, increasing interest rates on my accounts, and damaging my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
The company is paypal. I have my account since XXXX I use it for all normal things money transferred between friends purchasing items at grocery stores, XXXX XXXX. There's currently {$500.00} in the account that I need I'm in XXXX  putting my grandmother in hospice. And XX/XX/XXXX in the middle of a transaction everything turns red on my screen and PayPal said limited my account and I don't have access to my funds for XXXX days. There's nothing in my account nothing everything is completely normal just regular transactions no chargebacks no complaints nothing and they were just keeping my money and not letting me get access to it. I called there and the agent that helped me said he couldn't see any reason why that would happen. But nothing that he could do about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: SC

Complaint narrative:
The reported late payments are incorrect, incomplete, or unverifiable

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I requested for charge off accounts and collects to be remove from my credit report that was paid off thru insurance company of the lender that is still showing a balance and accounts that I do not have a binding contract with.

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 2025-02-19 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Stark Collection Agency, Inc.
State: NC

Complaint narrative:
To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. Currently reporting is a collection company by the name of The Stark Collection Agency for what they are stating is a utilities account. I am disputing the validity of this collection and the reporting of it because any time I have moved I have always made sure that my utility bill was paid in full. In addition, I have not received a call, text, or email which has furthered my suspicion of this debt that made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
Mariner Finance wrote this debt off and they are still trying to collect I requested a 1099 r form to file on my taxes since the wrote it off as bad debt I need them to send form and take this off all my credit reports.

Company response to consumer: Closed with explanation