vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am filing this complaint because Midland Credit Management is attempting to collect an alleged credit card debt, but has not provided sufficient information to verify/validate the debt after I requested validation in writing. 

I timely disputed the alleged debt and sent a written request for debt validation under the FDCPA ( 15 U.S.C. 1692g ( b ) ). In my request, I asked Midland to provide competent documentation proving : ( 1 ) the debt is valid and belongs to me, ( 2 ) the exact amount claimed is accurate with a full itemization ( principal, interest, fees ), and ( 3 ) Midland has the legal authority/standing to collect, including the chain of assignment/ownership from the original creditor with account-level identification.

Instead of providing complete validation, Midland has continued to treat the account as collectible without producing the key documents needed to verify the debt, such as the original contract/cardmember agreement ( or other agreement creating the obligation ), a complete account-level payment history/ledger, and a complete chain of title/assignment that specifically references this account. This is not enough information for me to confirm the alleged debt, the balance, or Midlands authority to collect.

I also requested that Midland cease collection activity until proper validation is provided and that all communications be in writing. Midlands failure to provide adequate validation while continuing collection activity is causing harm and confusion and prevents me from confirming whether this alleged debt is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Previously, Shellpoint Mortgage Servicing serviced our mortgage. Effective XXXX XX/XX/year>, servicing for the loan has transferred to another servicer who now has a separate consumer credit report entry for the loan. To date, Shellpoint Mortgage Servicing has not proactively corrected their entry for this account on the consumer credit reports for my spouse and I to reflect the closure of the Shellpoint Mortgage Servicing entry for the mortgage, therefore preventing my spouse and I from being able to seek new credit. On XXXX XX/XX/year> I called Shellpoint Mortgage Servicing urging that Shellpoint Mortgage Servicing expeditiously correct the entries. On that call, Shellpoint Mortgage Servicing declined to timely correct the entries on our consumer credit reports as required under the Fair Credit Reporting Act. See, e.g., 15 U.S.C. 1681s-2.

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 2025-12-23 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-23 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-23 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute multiple inaccuracies and incomplete entries reported on my credit file by the credit bureaus. Below are the details of the accounts I am disputing for each bureau. 

Charged Off Accounts : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CreditSmart Holdings Inc
State: TN

Complaint narrative:
Subject : Unauthorized card transaction XXXX XXXXXXXX {$34.00} ( possible fraud ) I am submitting this complaint because XXXX XXXX initiated an unauthorized card transaction on my account. I have no account, loan, subscription, or any business relationship with XXXX XXXX, and I did not authorize this charge. 

Transaction details ( from my bank/app ) : Merchant descriptor : XXXX XXXX  Amount : {$34.00} Date & time : XX/XX/year> at XXXX XXXX  Location shown : XXXX, DE, USA Authorization XXXX : XXXX Card used : Business debit ending in XXXX Status : Card transaction pending ( at the time I noticed it ) When I attempted to contact the company using the phone number associated with the transaction, it did not appear to be a legitimate business and I was unable to get a clear explanation, proof of authorization, or a valid way to dispute the charge. This makes me believe this charge may be fraudulent and that my card information may have been compromised.

What I am requesting : 1. A full reversal/refund of the {$34.00} unauthorized transaction, 2. Documentation proving any alleged authorization ( signed authorization, customer agreement, billing authorization, IP/logs if applicable, or any enrollment details ), and 3. Investigation into XXXX XXXX XXXX for unauthorized debits and how my payment information was obtained. 

I have reported this to my bank/card issuer and am disputing the charge as unauthorized. I am also requesting steps to ensure no future charges from this merchant are processed.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-23 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-23 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: LA

Complaint narrative:
Experian and Equifax refused to remove my negatives and inquiries I informed them that do to scam and fraud im opted out of my secondary such as XXXX XXXX XXXX all off them are opted out do to the fair credit report act I need those removed thanks all of them removed

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS COMPLAINT CONCERNS ACCOUNTS APPEARING ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE. I HAVE NO AFFILIATION WITH THESE ACCOUNTS AND FORMALLY REQUEST THEIR REMOVAL.

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 2025-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
18 days ago I forgot my password to get online, so called pnc 12 times and the 3rd phone call they were sending it in the mail.. waited 10 days, then went twice to the bank and the 2nd time the assistant manager said she was personally sending it out in the mail... that now has been 5 days with nothing in the mail. Called the bank again stating I didn't receive anything in the mail and the manager said it comes from XXXX and now takes 7-10 days which now we're heading into the holidays and that's the next excuse. All I want to do is change my password. This is pnc bank .. not 1 person did their job

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXXXXXX just a little under a year ago that was financed by CREDIT ACCEPTANCE. The truck 's engine recently just blew out and I planned on voluntarily surrendering the vehicle to the loan company. I had the radiator and thermostats changed thinking that may have been the issue but I was mistaken. The oil cooler cracked under the intake and the pistons and everything else were damaged due to that. The extended warranty company that CREDIT ACCEPTANCE works with says that the vehicle was already beyond warranty despite me only having the truck for less than a year. I had the truck towed to a shop before they told me that it was out of warranty. I wanted to remove my radiator and thermostat that I just put on there but the only time I had available was during the weekend. I expressed with both CREDIT ACCEPTANCE and XXXX XXXX that I would be coming to take off the radiator at the end of the week, and I wanted to leave the original parts. They both disregarded my request and proceeded to have the truck picked up claiming repossession when the truck was not in repossession status!! The truck was l still in good standing and I had every right to request them to wait until I had the radiator and thermostat removed from the vehicle. The company that picked up the truck will not let me onsite to remove the radiator and CREDIT ACCEPTANCE are not willing to do anything to remedy the situation. They even went as far as to say that they do not have to contact a customer to confirm information that they were given by someone who works at the mechanic shop. I am completely at a lost for words when the lady really told me that and at this point I want something done. I really want my money back for my radiator and thermostat that they would not let me remove.

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 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: HI

Complaint narrative:
NOT A DUPLICATE : XXXX CFPB response misidentifies XXXX  XXXX XXXX as Master Servicer ; request correction + identification of the actual responsible servicer/authorized decision-maker BNYMs CFPB response states the loan is serviced by XXXX XXXX XXXXXXXX, XXXX XXXX as the Master Servicer, and that the Master Servicer is required to service the loan, including foreclosure decisions, and may use subservicers. 

BNYM further directs the consumer to contact XXXX XXXX XXXXXXXX and asks CFPB to update records to reflect XXXX as the responsible party. 
BNYM 's response is materially misleading because it prevents me from reaching the correct responsible party and resolving servicing/foreclosure decision issues. 

Why this is not a duplicate This complaint is not a duplicate of prior complaints about the loan generally. 
It concerns new misconduct during the CFPB process : BNYMs written CFPB response contains a material misrepresentation about who is responsible for servicing/foreclosure decisions and a refusal to provide the actual current responsible party. 
BNYM has not answered any to all of my previous complaints I Request BNYM to provide a corrected response that : Retracts/corrects the statement that XXXX XXXX XXXX is the Master Servicer, or provides the contractual basis and effective date for that claimed role ; Identifies the current servicer and any subservicer ( company name, address, and consumer contact ) ; Identifies the entity with actual authority to make servicing/foreclosure decisions. 
I request BNYM to answer exactly what I ask. BNYM has been responding without answering. 
Do you retract your statement that XXXX  is Master Servicer? Yes/No. 
If No : what is the effective date XXXX became Master Servicer and what document supports it? 
Who is the current servicer today? 
Who is the current subservicer today ( if any )? 
Who has authority to direct foreclosure/servicing decisions?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
I am formally disputing the accuracy, completeness, and legal validity of the charge-off account currently being reported on my consumer credit file. Upon careful review, I have determined that this account is being furnished in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as the information reported is inaccurate, incomplete, and has not been properly verified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute any item of information that is inaccurate, incomplete, or incapable of being fully substantiated. To date, the furnisher has failed to provide competent and admissible documentation validating the alleged debt, including, but not limited to : A signed contract or agreement bearing my signature Documentation establishing lawful ownership or assignment of the debt Evidence demonstrating my authorization, obligation, or liability A complete and accurate itemization of the balance being reported

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 2025-12-23 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: TX

Complaint narrative:
I am submitting this complaint because multiple data furnishers continue to report late payments on my credit report without providing verifiable documentation, despite multiple disputes with the credit reporting agencies. 

I am not disputing that payments were due. I am disputing the accuracy, consistency, and verification process used to continue reporting these delinquencies. 

I have completed multiple dispute rounds with Experian, TransUnion, and Equifax regarding all accounts listed below. Each credit reporting agency responded with verified, without providing documentation or an explanation of how the information was validated. 

The following accounts continue to report late payments without proper verification : XXXX XXXX account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting late payments in XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX reporting late payments inconsistently across bureaus ( XX/XX/XXXX reported by Equifax and XX/XX/XXXX reported by Experian and TransUnion ). 
XXXX XXXXXXXX XXXX XXXX reporting a late payment in XX/XX/XXXX without providing billing statements, prior cycle statements, proof of notice of payment due, Date of First Delinquency, or evidence of a reasonable and manual investigation. 

Despite my disputes, none of the furnishers listed above have provided billing statements for the alleged delinquent cycles, prior cycle statements, proof of notice of payment due, Date of First Delinquency, or documentation demonstrating compliance with a reasonable investigation. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ), 611 ( a ), and 623 ( b ), furnishers are required to ensure maximum possible accuracy and to conduct a reasonable investigation when disputes are received. Repeated automated verification without supporting documentation does not meet this legal standard. 

I am requesting CFPB assistance to require the furnishers listed above to either provide complete documentation supporting the reported late payments or to cease reporting the delinquencies and notify all credit reporting agencies to remove the inaccurate information.

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