vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 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: LA

Complaint narrative:
XXXX  TRANSUNION, AND XXXX ALL THREE FACTIOUS GOVERNMENT ENTITIES HAVE INDULGED IN CONSPIRACY. EQUIFAX SENT A LETTER WITHOUT MY PERMISSION TO MY CREDIT CARD COMPANY USING MY NAME TO HAVE MY CREDIT CARD REMOVED FROM FUTURE CREDIT REPORTING. THIS IS A VIOLATION OF 18 USC Section 241 ( CONSPIRACY ) BETWEEN ALL THREE ENTITIES. WHY WOULD I WANT TO CANCEL MY CREDIT CARD OF 44 YEARS FROM XXXX ACCOUNT XXXX ENDING IN XXXX. 
THIS IS OUTRAGEOUS A ARTIFICIAL INTELLIGENCE HAS THE AUTHOURITY TO REMOVE WHATEVER IT WANTS. 


The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). 
You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 
Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( XXXX XXXX, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more.

You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information.

EQUIFAX JUST USED THE SAME CREDIT CARD ACCOUNT IN MY DISPUTE TO DROP MY SCORE BY 44 POINTS. THIS IS DISGUSTING THAT CFPB ALLOWS SUCH INJUSTICE WHEN THEY ARE TASKED WITH OVERSEEING THESE FAKEASS DISGUSTING ENTITY 'S KNOWN AS EXPERIAN, TRANSUNION, AND EQUIFAX. THIS WHOLE CFPB SYSTEM NEEDS A TOTAL REBOOT WITH 100 % TRANSPARENCY IMMEDIATELY!! ! 369 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev |next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth , Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States , or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse or an attempt to commit aggravated sexual abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death.

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 2025-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
We have fallen behind financially due to unforseen income cut, the mortgager refuses to help us with a loan modification ( says they don't offer that ) or forbearance plan they only stated we have to short sale. We just became 90 days late & are trying our best still making smaller payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a letter saying I owe a debt from PayPal. I use them but they haven't told me of a debt I owe to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: Debt Recovery Solutions, LLC
State: WI

Complaint narrative:
XXXX $ dates have been changed and altered to remain on my credit report damaging to my credit report not the not the original debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX Attn : Collections Department XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Re : Request for Debt Validation Account No. XXXX To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting validation and verification of this debt. Please provide the following information : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including an itemized statement showing how it was calculated. 3. A copy of any signed contract or agreement that legally binds me to this debt. 4. Proof that XXXX XXXX XXXX is authorized to collect this debt in my state. 5. The date of the last payment made on this account, if applicable. Until you provide the requested information, please cease all collection activity, including reporting this account to any credit bureau. Reporting unverifiable debt is a violation of federal law. 
Please note that this is not a refusal to pay, but a request for validation under my rights. I expect your response within 30 days from receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: MN

Complaint narrative:
I disputed the XXXX XXXX XXXX account with Experian, XXXX, and XXXX  after finding that it reports inconsistent and inaccurate information related to a past vehicle loan. The account is listed as a repossession and charge-off, but no supporting documents such as the signed contract, payment history, or repossession/sale paperwork were ever provided despite multiple written validation requests. 

The account continues to appear on my credit report with conflicting balance and status details, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ), 611 ( a ), 607 ( b ) ) and the Fair Debt Collection Practices Act ( 809 ( b ) ). I am requesting that the CFPB require XXXX XXXX to provide full verification of this account or remove it completely from all consumer credit reports.

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 2025-10-18 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: MN

Complaint narrative:
I disputed the XXXX XXXX XXXX account with XXXX, TransUnion, and XXXX  after finding that it reports inconsistent and inaccurate information related to a past vehicle loan. The account is listed as a repossession and charge-off, but no supporting documents such as the signed contract, payment history, or repossession/sale paperwork were ever provided despite multiple written validation requests. 

The account continues to appear on my credit report with conflicting balance and status details, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ), 611 ( a ), 607 ( b ) ) and the Fair Debt Collection Practices Act ( 809 ( b ) ). I am requesting that the CFPB require XXXX XXXX to provide full verification of this account or remove it completely from all consumer credit reports.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB Complaint Credit Reporting ( Inaccurate/Unverifiable Information ) Product : Credit reporting Issue : Incorrect information on your report Sub-issue : Information belongs to someone else / cant be verified / failure to investigate Company ( ies ) : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 

TransUnion LLC ( Optional ) XXXX XXXX XXXX XXXX XXXX. 

What happened? ( Narrative ) I am disputing multiple inaccuracies and unverifiable entries on my consumer reports. Over the last several months I sent written disputes ( with identity and address documents ) to the nationwide consumer reporting agencies listed above. My disputes identified specific items and requested correction or deletion under the Fair Credit Reporting Act ( FCRA ). 

Despite receiving my disputes, the agencies did not ( 1 ) reasonably investigate, ( 2 ) provide the method of verification, or ( 3 ) correct or delete items that remain inaccurate, incomplete, or unverifiable. Some items appear to have conflicting data across bureaus ( dates opened/last activity, balances, status comments ), suggesting data quality issues. In at least one instance, a previously removed item appears to have been reinserted without the required furnisher certification or 5-day notice. 

Key problems I reported directly to the CRAs : Cross-bureau inconsistencies ( different dates, balances, status codes for the same tradeline ). 

Unverifiable collections lacking proof of the original creditors ledger, chain-of-assignment, or clear Date of First Delinquency ( DOFD ). 

Hard inquiries where I have no record of authorizing a pull ; I requested the permissible-purpose code and signed authorization and did not receive them. 

Personal-information errors ( name/address/employer variants ) that I asked to be removed per Metro 2 Code 112 hygiene.

Potential improper reinsertion without the 611 ( a ) ( 5 ) ( B ) certification/notice.

Why this matters : These errors are harming my creditworthiness and causing material risk of denial or worse terms. Under FCRA 607 ( b ), 609 ( a ), 611, and ( if applicable ) 605B, the CRAs and furnishers must ensure maximum possible accuracy, conduct reasonable reinvestigations, provide the method of verification upon request, and block identity-theft information where appropriate.

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 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I requested validation of the debt twice, and the collector only sent a balance summary without proof of ownership or contract. They continue to contact me without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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 submitting to formally dispute several inaccurate, incomplete, and unverifiable items currently appearing on my credit report. Upon a thorough and careful review of my credit file, I have identified these specific entries as being reported inaccurately or without sufficient validation, which violates the provisions of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that all information reported on consumer credit reports must be complete, accurate, and verifiable to protect consumers from harm caused by erroneous or misleading data. In accordance with FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting any data they know or should know to be inaccurate or misleading. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$510.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-10-18 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: TX

Complaint narrative:
I am submitting to formally dispute several inaccurate, incomplete, and unverifiable items currently appearing on my credit report. Upon a thorough and careful review of my credit file, I have identified these specific entries as being reported inaccurately or without sufficient validation, which violates the provisions of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that all information reported on consumer credit reports must be complete, accurate, and verifiable to protect consumers from harm caused by erroneous or misleading data. In accordance with FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting any data they know or should know to be inaccurate or misleading. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$510.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Summary of Complaint I am filing this complaint against Westlake Financial Services, LLC for deceptive and predatory auto financing practices related to a vehicle purchased from XXXX XXXX XXXX on XX/XX/XXXX. Westlake funded the loan but failed to provide transparent disclosures, tampered with loan documents after signing, and added unauthorized products that increased the loan amount without my consent. 

Detailed Description Add-Ons and Concealed Products After reviewing my loan documents, I discovered that Westlake financed additional products such as an extended warranty and possible GAP coverage These add-ons were bundled into the loan, inflating the financed amount without disclosure or itemization. 

Loan Document Tampering and Fraudulent Modifications Several loan and warranty documents appear to have been altered or re-created after I signed the original paperwork. Key disclosures were missing or replaced, and some pages show inconsistent signatures or formatting suggesting post-signing alterations. This constitutes document tampering and a violation of the Truth in Lending Act ( TILA ).

Deceptive and Predatory Lending Practices The loan terms were based on an inflated vehicle value far above market rate. The total loan amount exceeds 60 % of the verified XXXX XXXX valuation for the XXXX XXXX XXXX I purchased. This pattern of inflated valuation and hidden products fits a structured equity stripping scheme, coordinated between the dealer and Westlake. 

Refusal to Provide Full Accounting I have repeatedly requested accurate billing and payment histories, but Westlake has not provided complete documentation or itemization of fees, interest, or add-on products. This lack of transparency prevents me from validating what I owe or disputing inaccurate charges. 

Ongoing Court Action and Attempts to Resolve I have attempted to resolve this matter directly with Westlake through written communication and discovery in Connecticut XXXX XXXX, XXXX XXXX XXXX ( Docket No. XXXX ). Westlake and its counsel have objected to discovery and refused to provide complete records, forcing me to file a Motion to Compel Discovery. Despite these efforts, the underlying problems remain unresolved. 

Impact Westlakes conduct has caused financial harm, emotional distress, and damage to my credit profile. The companys refusal to correct or disclose true loan details has obstructed my ability to manage and resolve the account fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had bought promise rings for my ex fiance and I one time, right? They were from the XXXX XXXXXXXX XXXX and my ring finger is small but I didn't know what size it was so I ended up with a size XXXX. It was too big. So I posted it on XXXX XXXX. This guy ends up getting ahold of me saying he was interested. I literally talked to the dude on the phone. Well this is my first " scamming '' incident, ever. He says to me, go to the XXXX store I paid for shipping and shipped it off and then I get all these weird alerts on my cash app about the FBI and scans and blah blah blah and how I could go to prison and all this other stuff. So not only did I get screwed for my XXXX dollar promise ring, I also paid for the shipping to ship it off to the XXXX. So when I get a hold of cash app support, they're all like " oh, well. Not our fault '' and didn't even offer to try and help me resolve this or anything whatsoever. AND not only that they literally blocked my social security number from ever trying to sign up with them again either. I know that this may have happened in XXXX, but I wasn't able until now to even be able to get my word out with them to have my story heard. I have photos and stuff from then

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I do not have a purchase agreement with XXXX XXXX XXXX XXXX XXXX. Therefore, I requested that they provide the original purchase agreement to verify that the debit they are attempting to collect is owed to them. Furthermore, per 15 U.S. Code 6802, ( b ), ( 1 ), A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. I am requesting that XXXX XXXX XXXX XXXX XXXX ( XXXX ) provide documentation to confirm that they are an affiliated entity of JPMorgan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
This is a supplemental submission to complaint ID XXXX. I am attaching two exhibits : ( 1 ) a letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, and ( 2 ) my XXXX credit report dated XX/XX/year>. These documents show how the furnishers responded to my formal disputenot by honoring the payment arrangement or providing the requested documentation, but by updating an already existing tradeline with even more damaging and inaccurate information. The updated balance does not reflect the amount agreed upon in the contract, the payments made, or the correct remaining balance. Instead, it shows that I owe 100 % of the debt, as if no payments were ever made. This was done after I submitted disputes to Halsted, XXXX, XXXX, and XXXX 

Exhibit A2.02 clearly states that a negative report XXXX be submitted if you fail to fulfill the terms of your credit obligations. I fulfilled those terms. The agreement was finite, and Halsted, acting on behalf of XXXX XXXX XXXX honor it. Based on the exhibits and phone recordings, Halsted operated as an agent of XXXX. Therefore, XXXX must honor the terms Halsted communicated and executed. If they refuse, they are effectively admitting to a coordinated pattern of violations designed to inflate the balance and extract additional payments. 

I would also like to know what information XXXX, XXXX, and Halsted provided to the credit reporting agencies to justify this tradeline update. The balance shown is not the contractual amount, not the amount paid, and not the correct remaining balance. These acts demonstrate how furnishers manipulate documentation to appear accurate while concealing the actual terms of the agreement. Their response to my dispute was not a reinvestigation, it was a reset. These are not the documents I requested. Neither exhibit acknowledges the contract, the adjusted balance, or the payment history. These actions reflect a deliberate breach, misrepresentation, and procedural violations. Please include these exhibits in the reinvestigation.

Company response to consumer: Closed with explanation