vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND THERE ARE FRAUDULENT INQUIRES THAT MUST BE REMOVED FROM MY CREDIT REPORT. HERE ARE LIST OF FRAUDULENT INQUIRIES THAT MUST BE REMOVED FROM 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. I AM THE ONLY PERSON WHI MADE THIS STATEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND THERE ARE FRAUDULENT INQUIRES THAT MUST BE REMOVED FROM MY CREDIT REPORT. HERE ARE LIST OF FRAUDULENT INQUIRIES THAT MUST BE REMOVED FROM 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. I AM THE ONLY PERSON WHI MADE THIS STATEMENT

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 2025-08-16 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: AR

Complaint narrative:
The following account is being reported on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$30000.00} and marked as tied up. This status is inaccurate, misleading, and does not reflect the true condition of the account. The manner in which this account is reported is incomplete and creates a negative impression that is not factually correct. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$30000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: AR

Complaint narrative:
The following item ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these items. 
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 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 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 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 2025-08-16 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: AR

Complaint narrative:
The following item ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these items. 
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 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 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 2025-08-16 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: CA

Complaint narrative:
I am filing this follow up complaint Under FCRA 609  ( a ) ( XXXX ) 15 U.S.C. 1681g ( a ), ( XXXX ), FCRA 607  ( b ) 15 U.S.C. 1681e ( b ), FCRA 605B 15 U.S.C. 1681c-2, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) I am entitled to a complete and accurate disclosure of all information in my credit file. However, the disclosures I have received are incomplete and inconsistent, with certain inquiries, addresses, and account details missing or reported differently across bureaus. This failure denies me the right to full disclosure of my credit file.5241 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX * Balance : {$1400.00} XXXXXXXX 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 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 2025-08-16 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: MI

Complaint narrative:
b'TransUnion missed the 605B 4-day block deadline. \nIdentity theft - 605B block not applied. On XX/XX/XXXX, I asked TransUnion to apply an FCRA 605B (15 U.S.C. 1681c-2) identity-theft block to a fraudulentXX/XX/XXXX. I provided: FTC Identity Theft Report, police report, government ID, and proof of address via online portal upload and U.S. postal service. TransUnion confirmed receipt CaseXX/XX/XXXXnThe tradeline and related derogatory information remain on my file beyond the 4 business days required by 605B, despite the follow-ups on XX/XX/XXXX. This is jeopardizing a time-sensitive employment screening with a deadline ofXX/XX/XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
Grounds for Dispute : Reporting Beyond Credit Limit The reported balance of {$280.00} and highest balance of {$290.00} both exceed the stated credit limit of {$200.00}, which is factually inaccurate. This constitutes false credit reporting under FCRA 623 ( a ) ( 1 ) ( A ) and violates Metro 2 guidelines, which require accurate balance-to-limit reporting.

Improper Charge-Off and Past Due Reporting The account is listed as Charged Off while still reporting a past due amount of {$280.00}. Under Metro 2 reporting standards, once an account is charged off, no additional past due status should be carried forward, as the balance has already been written off. This is misleading and materially inaccurate. 

Inconsistent Payment History The account reflects continuous delinquency escalating past 150 days, followed by a CO status. The duplicative reporting of multiple late codes after charge-off is a form of re-aging, which is prohibited by the FCRA. 

Supporting Case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must conduct meaningful investigations of disputed accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Courts found misleading charge-off balance reporting unlawful under the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Incomplete or misleading credit reporting is a violation of the FCRA.

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 2025-08-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Grounds for Dispute : Reporting Beyond Credit Limit The reported balance of {$280.00} and highest balance of {$290.00} both exceed the stated credit limit of {$200.00}, which is factually inaccurate. This constitutes false credit reporting under FCRA 623 ( a ) ( 1 ) ( A ) and violates Metro 2 guidelines, which require accurate balance-to-limit reporting.

Improper Charge-Off and Past Due Reporting The account is listed as Charged Off while still reporting a past due amount of {$280.00}. Under Metro 2 reporting standards, once an account is charged off, no additional past due status should be carried forward, as the balance has already been written off. This is misleading and materially inaccurate. 

Inconsistent Payment History The account reflects continuous delinquency escalating past 150 days, followed by a CO status. The duplicative reporting of multiple late codes after charge-off is a form of re-aging, which is prohibited by the FCRA. 

Supporting Case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must conduct meaningful investigations of disputed accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Courts found misleading charge-off balance reporting unlawful under the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Incomplete or misleading credit reporting is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed I had two purchases totaling {$460.00} dollars, which I didn't make. I immediately called Wells Fargo and filed a claim, which they rejected a few days later. They asked me for more information to prove I hadn't left the United States and that I'd always had the card with me. I presented it, but it still wasn't enough evidence to get my money back. The place is called XXXX XXXX XXXX XXXX, but I never made those purchases ; it was a scam.

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 monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry sXXXX XXXX XXXX XXXX - XXXX Unauthorized Inquiry sXXXX XXXX XXXX  - XXXX Unauthorized Inquiry XXXX XXXX - XXXX Unauthorized Inquiry sXXXX XXXX XXXX - XXXX Unauthorized Inquiry XXXX XXXX - XXXX Unauthorized Inquiry sXXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiry sXXXX XXXX XXXX XXXX  XXXX Unauthorized Inquiry sXXXX XXXXXXXX XXXX - XXXX Unauthorized Inquiry sXXXX XXXX  - XXXX Unauthorized Inquiry XXXX XXXX XXXX - XXXX Unauthorized Inquiry XXXX XXXX - XXXX Unauthorized Inquiry XXXX XXXX - XXXX Unauthorized Inquiry sXXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry sXXXX XXXX XXXXXXXX - XXXX Unauthorized Inquiry XXXX  - XXXX Unauthorized Inquiry XXXX XXXX XXXX - XXXX Unauthorized Inquiry XXXX XXXX XXXX - XXXX Unauthorized Inquiry sXXXX XXXX XXXX  - XXXX Unauthorized Inquiry sXXXX XXXX XXXX  - XXXX Unauthorized Inquiry XXXX XXXX  - XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

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 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: KY

Complaint narrative:
Cash app sent me an offer if I sign up for direct deposit and if I get deposits over {$300.00} in XXXX & XXXX theyll give me {$150.00} i have proof of the offer. I have a screenshot of the offer as a direct notification on my phone and an email of the offer. It wasnt generic it said halfway there you received an offer in XXXX now get one in XXXX and well deposit {$150.00} into your account. Now they are saying they arent giving it to me after getting my deposit in XXXX. They asked for proof and I sent it. I dont think its okay to have proof and they are able to just get away with not following through. I got my direct deposit 3 times in XXXX of this year XX/XX/year> XX/XX/year> XX/XX/year> as well as my deposit over {$300.00} on XX/XX/year> I wrote them XX/XX/year> to verify they seen the requirements were met and they told me no I will not be getting the {$150.00} bonus. They asked for proof and first I showed them the screenshot of the notification on my phone of the offer which they said no so then I said okay Ill provide more proof and attached the email of which I received the same day as the direct notification to my phone which was XX/XX/year> and they still declined to honor the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint against Equifax for the inaccurate reporting of a late payment on my XXXX XXXX account. 
Account Name : XXXX  XXXX Account Number : XXXX Date of Late Payment Being Reported : XX/XX/year> This reporting is inaccurate, incomplete, and/or unverifiable. On XX/XX/year>, I mailed Equifax a formal dispute letter regarding this account. To date, I have not received confirmation that Equifax has conducted a proper reinvestigation as required by law. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), Equifax must conduct a reasonable reinvestigation of any information I dispute as inaccurate. Furthermore, under 15 U.S.C. 1666b, late fees and late reporting are not permitted if proper notice and billing were not provided within the required timeframe. 
The reported late payment does not meet the requirements for accurate credit reporting and is causing harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Vance Huffman has been reporting to credit bureaus that they have an account u set my name they are actively trying to collect on. I have no such ono ledge of said account. I have disputed with credit bureaus but they denied each time because vance Huffman simply verifies it to them. I have no knowledge of the debt and Vance Huffman hasnt ever produced ownership proof after written request has been made by me.

Company response to consumer: Closed with explanation