vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: Madison Auto, LLC
State: IL

Complaint narrative:
I would like some of the accounts that are listed on my credit report to look into. This is a formal REQUEST OF REINVESTIGATION to determine the accuracy. Regarding the REINVESTIGATION, please include the following information : The investigation 's lead investigator 's full name, the name of their department, and their contact information.

" All supporting documentation regarding these accounts that the furnisher provided as evidence. '' It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against your agency due to systemic failures in conducting proper investigations of consumer disputes and for reporting inaccurate credit information.

Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 
XXXX detailed explanation of your findings and the actions taken to correct any errors. 
XXXXThe provision of a free updated credit report reflecting the corrections made. 
I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, including the CFPB and my state attorney generals office, and to seek legal remedies for damages caused by your companys failure to comply with the law. 

Explanation : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2023 Balance {$19000.00} This account is reporting inaccurately, as I did not make a late payment in XXXX XXXX at any time. I have always paid this account on time. I kindly request that the late payment be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: VA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE XXXX ACTS XXXX ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-12-22 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: VA

Complaint narrative:
I am filing this complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, related to the reporting of inaccurate, incomplete, and unverifiable personal identifying information, including incorrect name variations, inaccurate addresses, incomplete date of birth data, and an improper Date of Death ( DOD ) indicator.

These inaccuracies create a serious risk of file mixing and have caused actual and potential harm. 
Specific Violations by TransUnion XXXX. Improper Date of Death ( DOD ) Reporting TransUnion is reporting a Date of Death ( DOD ) indicator on my consumer file despite the fact that I am alive.

This is a materially false and harmful error.

Violations : 1681e ( b ) Failure to ensure maximum possible accuracy 1681g ( a ) False consumer status 1681n / 1681o Willful or negligent noncompliance 2. Inaccurate Address Reporting TransUnion reports multiple addresses that are : Outdated Improperly formatted Unverified These addresses have not been validated and may be used improperly to verify disputed accounts.

Violations : 1681e ( b ) Inaccurate reporting 1681i ( a ) ( 1 ) Failure to correct inaccurate information 3. Name and Identity Inconsistencies TransUnion reports variations of my name without documentation proving accuracy or legal association.

Violation : 1681e ( b ) Failure to maintain accurate identifying 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
Consumer complaint received 2025-12-22 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: NJ

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 the38668re 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 2025-12-22 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: IL

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my XXXX score, causing difficulties in maintaining my financial stability. 

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong XXXX score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment. 

Thank you for your support and cooperation in correcting these inaccuracies.

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 2025-12-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
I am submitting this complaint to dispute the actions of a debt collection agency, Credit Collection Services, for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I received a collection notice from Credit Collection Services by mail for the first time regarding an alleged debt. 

On XX/XX/year>, within the XXXX validation period provided under federal law, I mailed a written debt validation request to Credit Collection Services XXXX 

Credit Collection Services failed to respond to my debt validation request and did not provide any verification or documentation substantiating the alleged debt. 

Instead, after receiving my validation request, the company reported the collection account to the credit reporting agencies without first validating the debt. 

Violations of Federal Law Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) Under the FDCPA, once a consumer timely disputes a debt and requests validation, a debt collector must cease all collection activity until the debt has been properly verified. Reporting a disputed debt to the credit bureaus constitutes continued collection activity. By adding this account to my credit report without first validating the debt, Credit Collection Services violated this provision.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) & ( b ) The FCRA requires furnishers of information to ensure that information reported to consumer reporting agencies is accurate and verified. Furnishing an unverified and disputed debt to the credit bureaus is inaccurate and misleading. Additionally, failing to note the account as disputed further violates the FCRA. 

Harm Caused to My Credit Profile The improper reporting of this unverified collection account has caused, and continues to cause, harm to my credit profile, including but not limited to : Potential and actual credit score reduction Increased difficulty obtaining credit, housing, or favorable interest rates Damage to my overall creditworthiness and financial reputation Emotional distress resulting from inaccurate and unlawful credit reporting This harm is especially concerning given that the debt was timely disputed and never validated as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX is the amount and the email doesnt specify a date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am submitting this complaint due to serious and ongoing failures by Shellpoint/NewRez to provide a required payoff statement, despite repeated requests. These failures are causing severe financial harm, emotional distress, and placing me at risk of losing my home. 

Shellpoint/NewRez representatives repeatedly claim that payoff documents are available on the web app. This is demonstrably false. I have attached screenshots showing that no payoff document exists in the Available Docs section of the online portal. Their statements directly contradict what is visible in their own system. 

I have also attached screenshots of my email inbox showing every email I have received from XXXX. No valid payoff statement has ever been delivered. 

The only payoff-related response I have ever received was sent to the same email address the request was submitted from : XXXX This email address is the only accurate and active email associated with my account, which I formally updated in XXXX, as shown in the attached screenshot of my account contact information. Shellpoint/NewRez continues to claim that documents were sent elsewhere, despite my account clearly reflecting the correct email address. I do not use any other email and can not reliably receive documents sent to an incorrect address. 

Additionally, XXXX has never provided proof of delivery, confirmation of receipt, or any verifiable audit trail showing when, where, or how a payoff statement was sent. This lack of confirmation is unacceptable for a time-sensitive and legally critical document. 

Because of these failures : I am unable to proceed with a necessary transaction I am facing life-altering financial consequences I am at risk of losing my home This prolonged situation has caused significant stress and negative health effects This issue is straightforward and should not require repeated complaints to resolve. I am requesting the following immediate corrective actions : 1. Immediate issuance and delivery of a valid payoff statement 2. Delivery sent only to XXXX XXXX. Written delivery confirmation ( timestamped proof of send and receipt ) 4. Correction of Shellpoint/NewRezs internal records to prevent further misrepresentation Shellpoint/NewRezs repeated misstatements, failure to deliver required documents, and lack of transparency constitute serious servicing issues. I am requesting CFPB assistance to ensure this matter is resolved immediately before further harm occurs.

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 2025-12-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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 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

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 2025-12-22 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:
I am writing to dispute the following accounts that I believe to be inaccurately reported on my credit report. I request that you investigate these accounts and update my credit report accordingly. Below are the details of the accounts in dispute, separated by bureau. 

Charged Off Accounts XXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX, Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX, XXXX : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Positive Accounts ( There are no positive accounts listed under Experian. ) Late Payments XXXX, Account Number : XXXX * XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I opened an IRA account with Huntington Bank in XX/XX/year>. Branch manager didn't inform there would be a 10-day business hold on the direct distribution IRA rollover check from the previous financial institution. Had I known, I would have elected to leave the funds with the sending financial institution. 

Huntington Bank didn't notify me upon receiving/depositing the IRA rollover check on XX/XX/year> that there would be a 10-day business hold and the reason why. As of today, XX/XX/year>, it has been 10 business days & I still have not been issued anything in writing when the hold will be released. 

This experience has placed a hardship on my family as I don't know when I can expect funds. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

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 2025-12-22 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:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
I am disputing the accuracy of the following inquiries on my TransUnion credit report. These inquiries need to be investigated for accuracy. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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