vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: Stellantis Financial Services US Corp.
State: NC

Complaint narrative:
sold my vehicle to XXXX XXXX in XXXX, NC ( XXXX XXXX XXXX XXXX, XXXX, NC XXXX ) on XX/XX/year>. 
They sent the payoff check to Stellantis Financial Services on Monday XX/XX/year>. 
The dealer reports to me that the check was deposited on Monday XX/XX/year>. 
XXXXtellantis has yet to credit my account. I have made multiple calls to Stellantis on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I was told the issue was escalated on XX/XX/XXXX when i sent them a copy of the check i got from the dealership. On Friday XXXX XXXX i was told it got escalated on Tuesday XX/XX/XXXX when the dealership called and gave them the information they needed. On Monday XX/XX/XXXX i was told i would receive a call XX/XX/XXXX with the results of the investigation. on XX/XX/XXXX i was told it was now just escalated and wont receive a call till Friday. 

Every time i call i get a different answer from them. the dealership wont pay me my share of the sale of the vehicle until they get the title from Stellantis. The agreement was that it would take up to 30 days to get the title and get the money. The sale rep told me that the turn around time is usually 7-10 days. they dealership has stated that they will not pay until they get the title from Stellantis even if it is past 30 days.

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 2025-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION
State: UT

Complaint narrative:
My loan was purchased by SN servicing company in XXXX. The account did not include insurance in the escrow payment. I had tried with the previous servicer to pay taxes myself but it was such a huge hassle I decided to let them pay. My original mortgage note does not include any escrow payments. After SN purchased the note, they tried to run an insurance analysis on the account after a year. I had sent in certified letters via my insurance agent verifying insurance coverage. For some reason, they created an escrow balance for insurance, tried to send monies to my insurance company and is now saying my account is late because there is a slight deficit being accrued. I have been unaware of these changes and have not missed a payment on the account at all. I am currently " locked out '' of the account and not allowed to make my XX/XX/XXXXXXXX  payment. I have documented receipts of me making all of my previous payment with receipts issued by the servicer showing the payment went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: AL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Al, ZIP XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX ] [ EXPERIAN XXXX [ XXXX XXXX XXXX XXXX XXXX Tx XXXX ] [ Acct. XXXX XXXX XXXX XXXX # XXXX Subject : Dispute of Inaccurate Credit Reporting and Improper Investigation Dear [ CFPB ], I am writing to formally dispute inaccurate information that appears on my credit report. Additionally, I am concerned that your investigation into my previous dispute was not conducted properly. 

The following information on my credit report is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Error Description : [ inaccuracye.g.balance, account that doesnt belong to me, obtaining my personal info without consumers consent, no known knowledge of the Reporting agency, Fraud. ] I previously submitted a dispute yet I have reason to believe that the investigation was not properly conducted. [ Reasons lack of evidence provided, failure to communicate results, or no change made despite supporting documents or any signed documents with my signature, i also have not given any formal consent nor have i ever heard of said agency it is considered fraud for unknown agency to have my personalinformation without my knowledge. ]. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must conduct a reasonable investigation into disputes and provide verified, accurate information. If the disputed item can not be verified, it must be removed. I request that you re-investigate this matter thoroughly and provide me with documentation verifying the accuracy of the reported information or remove the incorrect entry immediately. 

Sincerely, [ XXXX XXXX ] This letter ensures that you document your dispute and hold the credit bureau accountable. Let me know if you need any modifications!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: AL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Al, ZIP XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX ] [ EXPERIAN XXXX [ XXXX XXXX XXXX XXXX XXXX Tx XXXX ] [ Acct. XXXX XXXX XXXX XXXX # XXXX Subject : Dispute of Inaccurate Credit Reporting and Improper Investigation Dear [ CFPB ], I am writing to formally dispute inaccurate information that appears on my credit report. Additionally, I am concerned that your investigation into my previous dispute was not conducted properly. 

The following information on my credit report is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Error Description : [ inaccuracye.g.balance, account that doesnt belong to me, obtaining my personal info without consumers consent, no known knowledge of the Reporting agency, Fraud. ] I previously submitted a dispute yet I have reason to believe that the investigation was not properly conducted. [ Reasons lack of evidence provided, failure to communicate results, or no change made despite supporting documents or any signed documents with my signature, i also have not given any formal consent nor have i ever heard of said agency it is considered fraud for unknown agency to have my personalinformation without my knowledge. ]. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must conduct a reasonable investigation into disputes and provide verified, accurate information. If the disputed item can not be verified, it must be removed. I request that you re-investigate this matter thoroughly and provide me with documentation verifying the accuracy of the reported information or remove the incorrect entry immediately. 

Sincerely, [ XXXX XXXX ] This letter ensures that you document your dispute and hold the credit bureau accountable. Let me know if you need any modifications!

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 2025-04-01 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: AL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-01 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: MS

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items on my report.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
FIFTH THIRD BANK NA did NOT resolve my complaint. Please see attached files in order about what has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NELNET LOAN SERVICIN XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX Subject : Request for Debt Validation xxxxxxxxxxxxxxxx XXXX Dear NELNET LOAN SERVICIN, I am writing to formally request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I received a notice from your company regarding this debt, but before I take any action, I need you to provide me with the necessary information to verify its validity.

Please provide me with the following : 1. Proof of the Debt : A detailed statement of the amount owed, including interest, fees, or other charges.

2. Creditor Information : The name and address of the original creditor, along with any documentation showing that you have the right to collect this debt.

3. Payment History : A complete record of payments made on this debt, including how the amount was calculated. 
4. Validation of Your Authority : Proof that you are authorized to collect on this debt and that the statute of limitations has not expired.

5. Copy of Signed Agreement : A copy of the signed agreement or contract that created this debt obligation. 

Until I receive this information, I request that you cease all collection efforts, including reporting this debt to credit bureaus, or updating any existing reports. If you can not validate this debt, I expect that you will remove any negative credit reporting associated with it. 

Please respond to this request in writing within 30 days of receiving this letter. If you fail to provide the requested documentation, I will consider this matter resolved and expect no further contact from your company regarding this debt. 

This letter serves as a formal dispute under the FDCPA. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am disputing a fraudulent collection account placed on my XXXX report by Kimball , Tirey & St. John LLP. They are reporting that they are the original creditor and are attempting to collect over {$26000.00}, despite there being no legal judgment ordering me to pay this amount to them or to XXXX XXXX XXXX. 

The case in question was an unlawful detainer ( eviction ) case, not a debt collection case. There was no monetary judgment issued by the court. I was not properly served, and the process server never obtained substitute service approval. The result was a default judgment for possession only. 

Additionally, Kimball , Tirey & St. John LLP was not the original law firm on the case. The court records clearly show that XXXX, XXXX, XXXX XXXX XXXX XXXX was the original attorney for XXXX XXXX. XXXX XXXX did not appear on the case until after a substitution of attorney was filed on XXXX well after the judgment had been entered. 

Therefore, they were never a party to any legal action against me while the case was active. They assumed a role after the court process had ended and are now falsely reporting themselves as both the creditor and enforcer of a judgment that does not exist. 

I am including screenshots from the XXXX XXXX XXXX XXXX showing : The list of original case participants The substitution of attorney timeline The Minute Order stating that the case only involved a judgment for possession And other supporting documents. 

XXXX has not allowed me to upload this evidence through their online dispute platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 do not recognize the negative accounts appearing on my credit report

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 2025-04-01 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:
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
Consumer complaint received 2025-04-01 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: CA

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
Consumer complaint received 2025-04-01 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-01 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-04-01 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-04-01 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: DE

Complaint narrative:
I ordered clothes from XXXX XXXX in XXXX I never received my order I have a claim with XXXX as well

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 2025-04-01 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$300.00} XXXXXXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$1300.00}

Company response to consumer: Closed with explanation