vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
These three credit reporting agencies Trans Union Equifax and Experian have consistently reported unverified information on my credit report I have requested documentation on the fair credit reporting act from them on numerous occasion for months under 15 USC 1692G as well as all other applicable statutes one of these acts and terms they have five days in the meantime cease reporting 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 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have auto deduction with Capital One bank for my Straight Talk Service and the amount is XXXX dollar a month. I tried to have a cell phone service with them too but was unable to get the phone cut on. They go by XXXX with cell phone service. For the month of XXXX they charged me XXXX mounts of XXXX on my statement and will not give me my money back of XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NV

Complaint narrative:
To Whom It May Concern, I am writing in regard to an account that your company is reporting to the credit bureaus under my file. I formally disputed this account and requested validation under my rights provided by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

As of today, you have failed to provide any documentation proving that this alleged debt is valid, that you have the legal right to collect it, or that the information being furnished to the credit reporting agencies is accurate. The law requires that you provide proper verification within 30 days, yet no such evidence has been produced. 

By continuing to report this unverified account, you are in violation of both the FCRA and the FDCPA. This is damaging to my credit profile and constitutes unlawful collection activity.

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 2025-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
I am submitting this rebuttal because United Wholesale Mortgage ( UWM ) misrepresented the nature of my original complaint. My complaint was not about the VA appraisal. It was about : Fraud and deception in the VA loan approval process UWMs failure to respond to my direct complaints for months UWMs failure to provide my full loan file when requested UWM participating in a loan transaction with multiple red flags, dual contracts, and undisclosed property issues UWM transferring my loan immediately after closing without transparency Someone from UWMs legal department called me in late XXXX or early XX/XX/year>. He acknowledged that I had submitted multiple complaints that were never addressed, and told me he would escalate the matter internally. I never received any follow-up or full documentation after that call. My sister, XXXX XXXX, was with me and heard the call on speakerphone. 

The XX/XX/year> letter from UWM does not address my actual complaint and instead deflects everything onto the appraisal, which is not the core issue. I am requesting : A full certified copy of my loan file, application, disclosures, and e-signature history A formal investigation into UWMs complaint handling, loan transfer practices, and regulatory violations That my sworn supplemental statement and witness testimony be added to the record Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On my credit report dated XX/XX/year>, I identified multiple inaccurate and unverifiable accounts being reported. 

XXXX XXXX ( Charge-Off ) Reported as both charge-off and collection, with conflicting balances ( {$9000.00} written off vs. {$6900.00} balance ). This violates 15 USC 1681e ( b ) ( maximum accuracy ) and 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( furnishers duty to report accurate info ). 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Charge-Off ) Reported inconsistent statuses ( delinquent, partial payments, charge-off simultaneously ). This violates 15 USC 1681i ( duty to properly reinvestigate ). 

XXXX XXXX XXXX ( Collection ) Reported without verifiable documentation of ownership or chain of title. This violates 12 CFR 1006.34 ( c ) ( itemization disclosure requirements ) and 15 USC 1681e ( b ). 

XXXX XXXX ( Installment Loan ) Reported past-due with conflicting data across bureaus, violating 15 USC 1666b and 15 USC 1637 ( b ) ( billing accuracy ). 

XXXX XXXX XXXX ( Secured LOC ) Account marked paid/closed but still reports 3060 day late payments after closure. This is inaccurate and violates 15 USC 1681s-2 ( a ). 

These accounts are outdated, unverifiable, and/or incomplete. Under 15 USC 1681i, unverifiable items must be permanently deleted. Updating is not acceptable.

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 2025-08-30 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 have reported to XXXX XXXX  " the furnisher '', Experian, Equifax and Trans Union that my identity has been stolen by way of FTC report and Affidavit of Truth they have not provided provided actual proof of an investigation and have written me dated XX/XX/year> that they are planning to violate my rights and continue to collect from me what they know is not my debt, they claim I paid the credit bill. There is no proof I paid no bill because I havent and be advised someone paying on that bill doesn't actually positevly identify me as the XXXX paying on an account I never recieved, I have no knowledge of who established that account nor do any of my bank accounts show proof or attempts to pay this account whatsoever.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parries and I did not participate in any of it. They didn't follow the proper 5-steps validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-steps validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IN

Complaint narrative:
TransUnion is illegally reporting fraudulent accounts, including charged-off accounts, collections, and a fraudulent bankruptcy. Despite proof of fraud and multiple disputes, TransUnion continues to verify these accounts without providing proper validation as required under the Fair Credit Reporting Act ( FCRA ).

Disputed Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} - XXXX XXXX Charged-off revolving account {$190.00} - XXXX XXXX XXXX Installment loan 60 days late - XXXX XXXX XXXX XXXX XXXX XXXXXXXX with late payment - Public Record XXXX  XXXX Bankruptcy ( XXXX  ) fraudulent Consumer Harm : These accounts are inaccurate, fraudulent, and damaging to my credit profile. They have been repeatedly disputed but are being falsely verified by TransUnion. I am a documented victim of identity theft due to several major data breaches, making continued reporting a violation of FCRA 605B.

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 2025-08-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I took out a line of credit for {$150000.00} in XXXX and I only made XXXX withdrawal for {$30000.00} to purchase XXXX properties at the XXXX, I got divorced in XXXX and my husband got XXXX of the properties and I sold my property and made {$50000.00} and I paid back Bank of America the {$30000.00} from the line of credit! I own another house at XXXX XXXX that I purchased for {$23000.00} and I took off {$60000.00} to buy the home I currently live in for {$110000.00}. I won a lawsuit for XXXX and I received {$50000.00} and I paid off my mortgage with that money, and got medically XXXX in XXXX and someone took out a line of credit for {$60000.00} of my house at XXXX XXXX and the same year they took out {$92000.00} in XXXX of my home line of credit in XXXX when I was medically XXXX! I did not receive no {$92000.00} of my houses or {$60000.00}! I have the title for my house that I paid off the {$110000.00} and XXXX XXXX was sold and Bank of America received {$120000.00} and XXXX XXXX was paid off for and they still tellling me I owed them {$150000.00} which I am asking them to show me who they gave {$92000.00} in {$2000.00} and {$60000.00} in XXXX off my properties! I have the deed and title for my house saying my mortgage has been satisfied and they still reporting to the credit bureau I owed them {$150000.00} that I have been paying from my social security money because they keep on sending me threatening letters they going to foreclosure my property if I do not pay them and I had short terms memory because I was medically XXXX and was on a lot of Psy medication and bank of America gave me a lawyer whose name is XXXX and his phone number is number is ( XXXX ) XXXX and he is the XXXX provided me and tell send me my title and house is paid off for and I do not owe Bank of America any money and they owed me {$60000.00} on XXXX XXXX house and {$150000.00} in line of credit that I have been paying for that money I did not receive in XXXX and I they keep threatening to foreclose on my property

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 2025-08-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Cycleone Financial Group
State: FL

Complaint narrative:
I purchased a motorcycle from XXXX XXXX in XXXX, FL. On XX/XX/XXXX. CycleOne Financial was the lender. I paid off the lease around XX/XX/XXXX. Around XX/XX/XXXX I received what I thought was title under my name. XX/XX/XXXX I was in the process of selling my motorcycle. When I went to the XXXX and gave them the title, so I can transfer it to the buyer, the title was still under cycle XXXX  financialss name. The XXXX stated that Cycle one financial would have to transfer the title to me first then I can transfer it to the buyer. The XXXX stated that they may have closed down. Ive tried to contact them with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: NC

Complaint narrative:
Background. Before servicing transferred, the prior servicer confirmed an investor-approved reinstatement of {$10000.00} ( default interest deferred to maturity, foreclosure canceled upon receipt ) and said no further documents were needed ( confirmed XXXX and XX/XX/XXXX ). 
XX/XX/XXXX : I attempted to tender payment, but was told payment could not be accepted because servicing had transferred that day. I had not been timely informed and was left unable to perform through no fault of my own. 
XX/XX/XXXX : I emailed the new servicer asking them to honor the approved {$10000.00} or provide a current reinstatement and pay/wire instructions so I could pay immediately. 
XX/XX/XXXX : I received the formal transfer notice ( showing the prior servicer through XX/XX/XXXX ). I later located a XXXX notice, but I did not see it before XX/XX/XXXX and no representative warned me during ongoing negotiations. 
XX/XX/XXXX : I wrote again after receiving the new servicers much higher {$17000.00} quote, asking them to honor the investor-approved amount. 
XX/XX/XXXX : I asked them to confirm the prior arrangement is in their transfer records, review my attached proof, and confirm in writing so I can pay immediately ( foreclosure hearing set XX/XX/XXXX ). 
XX/XX/XXXX ( letter ) : They stated they are reviewing the previous servicers offered payment arrangement and that a response could take up to XXXX business days ; the letter also listed an incorrect ZIP code for my property. 
XX/XX/XXXX ( call ) : Later the same day, a representative acknowledged the {$10000.00} and asked me to add XXXX and XXXX XXXX ; I confirmed XXXX able to pay and was told the investor would be notified. 
XX/XX/XXXX ( call ) : A different representative contacted me but was unaware of the prior reinstatement discussion. 
Status. I have been ready and willing to pay consistent with the investor-approved reinstatement ( with XXXX & XXXX XXXX as discussed ). The servicing transfer blocked my timely payment, and since then the company has provided inconsistent information, a much higher quote, a XXXX delay, and incorrect record details. I am seeking prompt confirmation and instructions so XXXX can remit funds and be restored to good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I deposited {$1000.00} to XXXX. The money was withdrawn from my XXXX  XXXX XXXX account and the transaction shows completed, yet the funds never appeared on XXXX. I contacted XXXX  support multiple times no response. After I opened a dispute with XXXX XXXX XXXXXXXX, XXXX  immediately blocked my account, set a negative balance, and left me with no access and no funds. XXXX XXXX XXXXXXXX then ruled the dispute in XXXX favor. The result : my {$1000.00} disappeared, I have nothing at the bank, nothing on the exchange, and XXXX  blocked me. 

This is fraud, collusion, and a deliberate cover-up. I accuse XXXX  of running a criminal scheme in coordination with XXXX  XXXX XXXX, closing cases without investigation while the customer is left with XXXX access to funds. I tried to resolve this directly ; I was ignored. That is why I am filing this complaint with the regulator. 

I have already filed complaints with Consumer Financial Protection Bureau ( CFPB ) ( re : XXXX  XXXX XXXX ), Office of the Comptroller of the Currency ( XXXX ), and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX  ). I am preparing/filing additional complaints with XXXX Securities and Exchange Commission ( SEC ) XXXX XXXX Commodity Futures Trading Commission ( CFTC ) XXXX Federal Trade Commission ( FTC ) , Financial Crimes Enforcement Network ( XXXX ), the Board of Governors of the Federal Reserve System ( FRB ), as well as XXXX, XXXX, and XXXX ( ACH rules ). 

This case is also being escalated to law enforcement and prosecutors, including the Federal Bureau of Investigation ( FBI ), the XXXX Department of Justice ( DOJ ), the Office of the New York State Attorney General ( NYAG ), and the XXXX. Attorneys Office for federal prosecution. 

My attorneys have reviewed this case and are ready to proceed ; they view it as a strong, desirable matter for litigation and regulatory action. This is no longer about {$1000.00} it is about exposing XXXX and XXXX  XXXX XXXX for collusion and fraud. 

I swear by XXXX, by the flag of the XXXX XXXX XXXX XXXX  and by freedom itself I will escalate this through every authority and every channel until all responsible parties are held criminally accountable. This is only the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I am filing this complaint regarding Santander Consumer USA for reporting inaccurate, incomplete, and misleading information on my credit profile in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. Santander has reported my auto loan account as a charge-off/collection account with a balance of {$19000.00}. The problem is that once an account is charged off and recorded as a profit and loss write-off, the creditor can not continue to misrepresent the debt by simultaneously reporting the account as still open with the full balance due. This practice is misleading and designed to keep negative pressure on my credit file indefinitely. 

Across all three credit bureaus, Santander is reporting this account inconsistently : To TransUnion, they state Charged off as bad debt, profit and loss write-off. 

To Experian, they state Unpaid balance reported as a loss by credit grantor.

To Equifax, they state Charged off account Auto.

These discrepancies violate FCRA 1681i ( a ) ( 1 ) ( A ), which requires accurate and consistent reporting across all consumer reporting agencies. It is impossible for all three contradictory statements to be true at once. Furnishing conflicting and incomplete data is a direct violation of the duty of accuracy under FCRA. 

Additionally, I never provided Santander with written authorization or a wet signature allowing them to share my personal information with third parties or to furnish this account as a derogatory collection to the credit bureaus. Under FCRA 1681b, a creditor must have permissible purpose to access and furnish consumer information. I demand proof that Santander has such authority. If Santander can not produce a contract with my signed authorization specifically permitting the reporting of derogatory collection data to third-party consumer reporting agencies, then their continued reporting constitutes an unlawful invasion of privacy.

Finally, continuing to report this account as a collection/charge-off while failing to provide validation of the debt is a deceptive practice that also falls under FDCPA 807 and 809. Although Santander is the original creditor, they still have an obligation under consumer protection law to validate and accurately report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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