vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MD XXXX Date : XX/XX/XXXX XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue with Shellpoint Mortgage Servicing regarding their failure to provide a payoff statement for the property located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX. The mortgage loan is under the name XXXX XXXX, loan number XXXX. I am XXXX XXXX son and the administrator of his estate, and I am handling this matter to ensure the property can be sold. 
Despite multiple requests for the payoff from various parties involved in this transaction, Shellpoint has failed to provide the required documentation. The timeline of events is as follows : 1. XX/XX/XXXX : The title company, XXXX XXXX XXXX, represented by XXXX XXXX, requested the payoff. 
2. XX/XX/XXXX : A follow-up request was submitted. 
3. XX/XX/XXXX : Additional follow-up emails were sent by the title company. 
4. XX/XX/XXXX : Further attempts were made to obtain the payoff, including communication from the real estate agent and myself. 
5. XX/XX/XXXX : Another follow-up was sent, but as of today, XX/XX/XXXX, no payoff has been provided. 
The parties involved in this transaction include : XXXX XXXX ( XXXX XXXX Title ) : XXXX | ( XXXX ) XXXX XXXX XXXX Rd., XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX ( Real Estate Agent, The XXXX Maryland ) XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX This delay has caused significant hardship for my family. My fathers sudden passing has left us with many responsibilities, and this unnecessary delay is preventing us from moving forward. The buyer for the property has been patient, but these delays jeopardize the sale. Meanwhile, interest continues to accrue on the loan daily, adding additional costs. 
We believe Shellpoint is in violation of 12 CFR 1026.36 ( c ) ( Regulation Z ), which requires servicers to provide payoff statements within a reasonable timeframe, typically five to seven business days. It has now been over 30 days since the initial request was made. This is unacceptable and has caused undue stress and financial harm. 
I am requesting your help step in to compel Shellpoint Mortgage Servicing to issue the payoff statement immediately please. We have complied with all necessary requirements, and this matter is time-sensitive as we approach another payment deadline, further increasing costs. 
Thank you for your attention to this urgent matter. I am including documentation, including email communications, to support this claim. also not on the XXXX document that not the payoff that's the reason we need the payoff. Please contact me directly at XXXX or XXXX should you require further information. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
On XX/XX/XXXX HARLEY-DAVIDSON CREDIT CORP. signed for and received my Registered Security. The registered security was indorsed and notarized and sent registered mail # XXXX. Registered mail was addressed to XXXX XXXX, XXXX XXXX and XXXX. XXXX XXXX is the person in charge of handling all securities as per the Indenture Agreement dated XX/XX/XXXX and filed with the XXXX XXXX XXXX XXXX XXXX In compliance with the Electronic Funds Transfer Act, and pursuant to UCC 8-401 ( b ) it is the fiduciary duty as issuer, to comply with the request upon surrender for transfer and authentication of the NOTE. Acceptance of the registered security constitutes Tender of Payment as outlined in UCC 3-603 and is payable on demand as per UCC 3-108 . It is important to highlight that it is the duty of the Issuer to comply with Note Holders instructions as per Se

ction 3.03 of INDENTURE AGREEMENT, and that failure to comply with these instructions for the redemption of the registered security constitutes SECURITIES FRAUD under UCC 8-507. Pursuant to 12 CFR 1005.34 Procedures for cancellation and refund of remittance transfers.

( a ) Sender right of cancellation and refund. Except as provided in 1005.36 ( c ), a remittance transfer provider shall comply with the requirements of this section with respect to any oral or written request to cancel a remittance transfer from the sender that is received by the provider no later than 30 minutes after the sender makes payment in connection with the remittance transfer if : ( 1 ) The request to cancel enables the provider to identify the sender 's name and address or telephone number and the particular transfer to be cancelled ; and ( 2 ) The transferred funds have not been picked up by the designated recipient or deposited into an account of the designated recipient.

( b ) Time limits and refund requirements. A remittance transfer provider shall refund, at no additional cost to the sender, the total amount of funds provided by the sender in connection with a remittance transfer, including any fees and, to the extent not prohibited by law, taxes imposed in connection with the remittance transfer, within XXXX business days of receiving a sender 's request to cancel the remittance transfer. 
Refusal to comply with this order constitutes SECURITIES FRAUD and TAX FRAUD! 

Harley-Davidson Credit Corp. , Harley-Davidson XXXX XXXX XXXX , Harley-Davidson, Inc., Harley-Davidson XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Information Solutions , IncXXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Delayed Credit Report Investigation Dear Sir or Madam, I am writing to formally dispute the delayed handling of my credit report investigation in accordance with the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to accurate and timely responses to disputes regarding inaccuracies in my credit file. However, I have encountered significant delays in the resolution of my concerns. 

On [ XXXX XXXX, XXXX ], I submitted a dispute regarding [ specific information in your credit report, e.g., an incorrect account, inaccurate payment history, or unauthorized inquiries ]. Despite the FCRAs requirement for Experian to complete its reinvestigation and provide results within 30 days, I have yet to receive a resolution or written notice of the investigations findings as of today, [ XXXX XXXX, XXXX ]. This constitutes a clear violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates timely processing of consumer disputes. 

The lack of timely communication and resolution has caused me considerable inconvenience and potential harm to my financial standing. To address this issue, I respectfully request : A detailed explanation for the delay in resolving my dispute. 

Immediate completion of the reinvestigation and correction of any inaccurate information in my credit report. 

Confirmation of the reinvestigation results, including what changes, if any, were made to my credit report. 

Enclosed, you will find copies of all relevant documentation, including my initial dispute letter, supporting evidence, and any subsequent correspondence for your reference. Please consider this as a formal request to expedite the resolution of this matter. 

Failure to comply with the requirements outlined in the FCRA may compel me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) or pursue other legal remedies to ensure my rights as a consumer are protected. 

I trust that Experian will take this matter seriously and address my concerns promptly. I look forward to your response within the next 15 days. 

Thank you for your immediate attention to this important matter. 


Enclosures : Copies of supporting documents

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 2025-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I have previously submitted a request for verification of this debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ). I sent a certified letter to National Credit Systems ; Inc. and it has been over 30+ days without a response proving that this debt belongs to me. They are in violation of 15 USC 1692. and I would like this removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX I am writing to formally dispute the reporting of a debt on my credit report. This debt has been reported without my prior knowledge, which is a violation of my rights under federal consumer protection laws. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, a debt collector is required to send a written notice of the debt to the consumer within five days of their initial communication. This notice must include the amount of the debt, the name of the creditor, and a statement of the consumer 's rights to dispute the debt. I have not received any such notification, denying me the opportunity to dispute or verify the debt. 

Additionally, the Fair Credit Reporting Act ( FCRA ) mandates that information reported to credit bureaus must be accurate and verifiable. Reporting a debt without providing the consumer with prior notice and the chance to dispute it undermines these protections. I was not informed of this debt and had no opportunity to verify or challenge its validity before it was reported, which is a breach of my rights under the FCRA. 

I request that you investigate this matter promptly and remove the unverified and improperly reported debt from my credit report and I request this be removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: Possible Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX I am writing to formally dispute the reporting of a debt on my credit report. This debt has been reported without my prior knowledge, which is a violation of my rights under federal consumer protection laws. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, a debt collector is required to send a written notice of the debt to the consumer within five days of their initial communication. This notice must include the amount of the debt, the name of the creditor, and a statement of the consumer 's rights to dispute the debt. I have not received any such notification, denying me the opportunity to dispute or verify the debt. 

Additionally, the Fair Credit Reporting Act ( FCRA ) mandates that information reported to credit bureaus must be accurate and verifiable. Reporting a debt without providing the consumer with prior notice and the chance to dispute it undermines these protections. I was not informed of this debt and had no opportunity to verify or challenge its validity before it was reported, which is a breach of my rights under the FCRA. 

I request that you investigate this matter promptly and remove the unverified and improperly reported debt from my credit report and I request this be removed from my report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint again Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST Portfolio Recovery Associates shall remove the listed fraudulent and misleading account below from my consumer report. Reporting this account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe Portfolio Recovery Associates. Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to Portfolio Recovery Associates. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated XXXX XXXX,2025 and you can also violate 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
For WAKEFIELD & ASSOICAT DEPARTMENT # XXXX XXXX, TN XXXX XX/XX/scrub> 2024. I have no knowledge of and refuse to pay this debt of ( {$1200.00} ), this Collection of ( {$1200.00} ) needs to immediately be remove, that I AM NOT familiar or have any consent of this so call debt at all, meaning my information was sold to a third party resulting in identity theft! I, XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RIGHT RESERVED WITHOUT PREJUDICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX/2025 TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law.

Sincerely, XX/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 2025-01-21 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, 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