vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
This complaint concerns the continued reporting of inaccurate charge-off statuses on my credit reports by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} and the failure of the credit reporting agencies EXPERIAN , EQUIFAX and TRANSUNION to properly investigate and correct these inaccuracies, in violation of multiple federal laws. 
Despite submitting disputes and validation requests, the creditor and CRAs have continued to report these accounts as charged off without providing sufficient verification or evidence to substantiate the validity of the debts. 

Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to correct billing errors and ensure accurate reporting. Continued reporting of inaccurate charge-off statuses after disputes and requests for validation constitutes a violation of this statute.

2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This act restricts the sharing of nonpublic personal information without proper authorization. By reporting false or unverified debt information to third parties ( credit bureaus ), the furnisher has disclosed inaccurate private data without consent.

3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA mandates that consumer reports contain only accurate and verifiable information. Continuing to report false charge-off statuses after disputes, without proper verification, violates this provision.

4. FCRA 1681i Failure to Reinvestigate After I submitted disputes, the CRAs were legally required to conduct a reasonable reinvestigation. They failed to do so, continuing to report inaccurate data without substantiating its validity.

5. FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy Reporting unverifiable charge-off accounts without proof of ownership or assignment breaches the CRAs duty to ensure the maximum possible accuracy of consumer files. 
Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ), the court ruled that CRAs can not simply rely on a furnishers response to a consumer dispute. They have an affirmative duty to independently verify the accuracy of disputed data. The CRAs failure to verify these charge-off accounts beyond superficial responses constitutes a violation of this established legal standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
This complaint concerns the continued reporting of inaccurate charge-off statuses on my credit reports by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} and the failure of the credit reporting agencies EXPERIAN , EQUIFAX and TRANSUNION to properly investigate and correct these inaccuracies, in violation of multiple federal laws. 
Despite submitting disputes and validation requests, the creditor and CRAs have continued to report these accounts as charged off without providing sufficient verification or evidence to substantiate the validity of the debts. 

Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to correct billing errors and ensure accurate reporting. Continued reporting of inaccurate charge-off statuses after disputes and requests for validation constitutes a violation of this statute.

2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This act restricts the sharing of nonpublic personal information without proper authorization. By reporting false or unverified debt information to third parties ( credit bureaus ), the furnisher has disclosed inaccurate private data without consent.

3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA mandates that consumer reports contain only accurate and verifiable information. Continuing to report false charge-off statuses after disputes, without proper verification, violates this provision.

4. FCRA 1681i Failure to Reinvestigate After I submitted disputes, the CRAs were legally required to conduct a reasonable reinvestigation. They failed to do so, continuing to report inaccurate data without substantiating its validity.

5. FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy Reporting unverifiable charge-off accounts without proof of ownership or assignment breaches the CRAs duty to ensure the maximum possible accuracy of consumer files. 
Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ), the court ruled that CRAs can not simply rely on a furnishers response to a consumer dispute. They have an affirmative duty to independently verify the accuracy of disputed data. The CRAs failure to verify these charge-off accounts beyond superficial responses constitutes a violation of this established legal standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
Vance & Huffman LLC ( V & H ) is attempting to collect and furnish a debt without ever providing the legally required validation, without proving ownership or assignment, and while continuing to report the account to XXXX  and XXXX  during an active dispute. This is my fourth CFPB complaint regarding this collector due to ongoing violations that have not been corrected. 

I submitted a written validation demand directly to V & H on XX/XX/year>, requesting full validation in accordance with FDCPA 809 ( b ). V & H has never mailed a validation notice, never provided chain-of-assignment documents, never proven ownership or authority to collect, and never supplied a complete accounting of the alleged balance. They also did not respond to my XX/XX/year> request at all, which is a standalone violation under FDCPA 809 ( b ) and Regulation F ( 12 C.F.R. 1006.34 ). 

Despite failing to validate, V & H continues to update and furnish the collection tradeline to XXXX and XXXX, which is active collection activity. Continuing to furnish or update a disputed, unvalidated debt violates FDCPA 809 ( b ), FDCPA 807 ( 8 ), and Regulation F. Furthermore, the account does not appear on XXXX, which demonstrates inconsistent and incomplete furnishing and violates the FCRA requirement of maximum possible accuracy under FCRA 607 ( b ), 15 U.S.C. 1681e ( b ). 

V & H has also marked previous disputes as verified without supplying validation or disclosing a method of verification, violating : FCRA 611 ( 15 U.S.C. 1681i ) failure to conduct a reasonable reinvestigation FCRA 623 ( b ) failure to investigate disputes properly FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known or should be known to be inaccurate or unverified FCRA 623 ( a ) ( 3 ) failure to report the account as disputed FDCPA 807 ( 8 ) communicating credit information that is false or misleading V & H has still failed to produce : proof of legal assignment or ownership chain-of-title documentation from the original creditor to any collector itemized accounting of the alleged balance documentation supporting the amount they are reporting and attempting to collect evidence of authority to furnish to XXXX  or XXXX  a legally compliant validation notice mailed to me V & Hs actions show an ongoing pattern of noncompliance. Previous CFPB cases were closed as duplicates because XXXX was involved, but V & Hs violations are separate and independent. Their failure to validate, failure to respond to my XX/XX/year> demand, and continued furnishing during a dispute are active and continuing violations requiring regulatory intervention. 

Because V & H has not validated the debt, has ignored my written demands, and continues reporting disputed and unverified information to multiple CRAs, I dispute the account in its entirety and do not acknowledge it as mine under applicable law until validation is mailed as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) due to my ongoing frustration with the persistent inaccuracies on my credit reports maintained by Experian, Equifax, and TransUnion. Despite numerous disputes, these credit bureaus have failed to correct or remove outdated and unverifiable information from my files, violating several provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I have found outdated addresses on my credit reports, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX which have remained attached to my records despite no longer representing me. Under FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), these unverifiable addresses must be removed. Furthermore, my XXXX XXXX XXXX  account # XXXX is reported differently across all bureaus, with conflicting activity dates, last payment dates, and late payment statuses, violating FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 623 ( a ) ( 2 ). The inconsistent reporting of my XXXX XXXX accounts ( # XXXX and # XXXX ), with differing balances and late marks, should be permanently deleted as per FCRA 611 and FCRA 605B. My XXXXXXXX XXXX XXXX  account, only listed on TransUnion, shows a {$0.00} balance with a charge-off status, which can not be verified, violating FCRA 605B. Additionally, collection accounts like XXXX XXXX # XXXX ( {$2600.00} ), XXXX XXXX # XXXX ( {$5600.00} ), and others show inconsistent balances and ownership data, breaching FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611, as they are unverifiable and should be deleted. Despite multiple attempts to resolve these issues, the bureaus have failed to reinvestigate or provide proper verification within the 30-day period required by law. Therefore,

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year>, my debit card ending in XXXX was charged {$150.00} for XXXX XXXX # XXXX via XXXX. I did not initiate this charge ; it was the result of an internal website error affecting multiple customers. 

Actions Taken : XXXX issued a refund on XX/XX/year> ( confirmation email attached ). 
XXXX issued a refund on XX/XX/year> ( email attached, XXXX # XXXX ). 
On XX/XX/year>, I received updated XXXX refund documentation. 
On XX/XX/year>, I went into a Chase branch and had all documentation faxed directly to Chase per their instructions. The branch/back-office reference number is XXXX. 
Chase responded on XX/XX/year>, stating the transaction was authorized/not authorized, which does not resolve the issue, because the refund was already issued by XXXX and XXXX. 

Despite all this, the {$150.00} refund has not posted to my Chase checking account. I have attached all emails, fax confirmations, and screenshots showing the refund was processed on the merchant side. 

Requested Action : I request that Chase manually post the {$150.00} refund immediately to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I am filing this complaint because my consumer report contains information that does not belong to me, including an unknown charge-off account. I have attempted to dispute this item but the bureau continues reporting this, violating my rights under the FCRA. This inaccurate item has caused harm, confusion, and a mixed-file situation. I am requesting immediate CFPB intervention. 

XXXX XXXX XXXXXXXX XXXX XXXX  Chargeoff Date Opened : XX/XX/year> Balance : {$13000.00} * * I have no knowledge of this account and never authorized it. Without an original contract or proof tying this account to me, it violates FCRA 607 ( B ) and must be deleted under FCRA 611 ( A ) for lack of verifiable documentation.

I request full reinvestigation and deletion of this inaccurate item, as this violation continue to harm me and violate my rights under federal 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 non-monetary relief
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
I am submitting this complaint to dispute multiple items on my credit report and request their permanent deletion. These items include an inaccurate address, a charged-off account, and unauthorized inquiries, all of which are causing harm to my financial standing. The first item is an inaccurate address, XXXX XXXX XXXX XXXX, XXXX XXXX, DE XXXX, which has no connection to me and violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). As this address can not be verified, I demand its permanent removal. The second item is a charged-off account with XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX, Balance Owed : {$130.00} ), which is inaccurate and unverifiable. This violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 605B 15 U.S.C. 1681c-2, and I request its permanent deletion from my credit report. The third item is the presence of unauthorized inquiries from XXXX XXXX ( XX/XX/year> ), XXXX XXXX  ( XX/XX/year> ), and XXXX XXXX  ( XX/XX/year> ), which were not authorized by me and violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ). These unauthorized inquiries must be permanently removed to comply with federal law. The continued presence of these inaccurate and unauthorized items on my credit report has caused significant harm, including misrepresentation of my creditworthiness and limited access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Hello my name is XXXX XXXX XXXX ID : XXXX Amount : {$4500.00} They denied my claim and closed my account makes no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Amsher Collection Services is reporting a balance under my name that I have never received clear information about. I was never contacted with any proper explanation of what this balance came from. No one reached out to me with a statement, a bill, or any paperwork that shows how this amount was created. I have been managing the financial issues left behind from my previous marriage and this account looks like another situation where my information was attached without my permission. I have not been shown anything that verifies that I agreed to any service or contract that would place this balance under my name. This account has affected my ability to move forward with important goals such as securing stable living arrangements and a reliable vehicle even though I have a stable career and handle my responsibilities. 

I also have never been shown anything proving that I gave Amsher permission to receive, store, or report my personal information. I did not authorize them. I did not sign anything naming them. If they are claiming they have consent from me, they should be able to show exactly where it came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX : XXXX Date : XXXX/XXXXXXXX To : Capital One XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, UT XXXX Re : Cease and Desist & Removal of Inaccurate Credit Account Account Number : XXXX To Whom It May Concern : This letter serves as my formal notice for you to cease and desist all communication with me regarding the above-referenced Capital One account. Additionally, under the Fair Credit Reporting Act ( FCRA ), I am demanding that you stop reporting this account to any credit bureaus unless you can provide complete and verifiable documentation proving its accuracy. 



This account is inaccurate, unverified, and incomplete, therefore it must be removed immediately from my credit report. Continuing to report this account without proper validation constitutes violations of : 15 U.S.C. 1692c ( c ) Cease communication 15 U.S.C. 1681s-2 Duty to ensure accurate reporting 15 U.S.C. 1692e False or misleading credit information I am requesting written confirmation that : You have ceased all communication with me regarding this account. 

You have removed or requested removal of this account from all credit bureaus ( XXXX, XXXX, XXXX  ). 

You will not sell, transfer, or assign this account to any third party. 



If you fail to comply, I will file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Tennessee Attorney Generals Office This letter is sent in good faith with the expectation of your immediate cooperation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am filing this complaint because XXXX  and TransUnion are reporting inaccurate, inconsistent, and unverified information on multiple accounts, even after I disputed them. XXXX  has already deleted several of these same accounts after completing their investigation, which means XXXX  and TransUnion are maintaining data that is inaccurate and unverifiable. 

These accounts include but are not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and other charged-off or collection accounts with inconsistent dates, balances, statuses, and payment histories. 

XXXX  and TransUnion marked my disputes as verified without providing validation, documentation, or evidence from the furnishers. This violates the Fair Credit Reporting Act because information must be accurate, consistent, and capable of being verified. 

XXXX  has removed several accounts from my credit report, while XXXX  and TransUnion continue reporting the same accounts with different dates and different statuses. The bureaus are required to maintain maximum possible accuracy, but the information they are reporting is inconsistent with XXXX  results and does not match my documentation. 

I am requesting the CFPBs help because XXXX  and TransUnion have failed to properly investigate and correct the inaccurate reporting.

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 2025-11-21 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: CA

Complaint narrative:
I am filing this complaint because inaccurate and unverified information is being reported on my credit file and the furnishers have failed to provide any proof or conduct a proper reinvestigation as required by the FCRA. This false charge-off account is causing financial harm, denials, and emotional XXXX, and despite multiple disputes the bureaus continue reporting data that can not be verified. 

XXXX XXXX XXXXXXXX XXXX High Balance {$1600.00} Date Opened XX/XX/year> Chargeoff XXXX XXXX I have no knowledge of this account and you have not provided any verification required under FCRA 609 ( a ) or 611 ( a ). Reporting a charge-off without proof violates FCRA 602A and 607 ( b ) because the account is not accurate or verifiable. This item must be deleted for failure to verify.

This account remain on my report without proper verification, violating federal accuracy and reinvestigation requirements. I am requesting CFPB intervention and deletion of this unverified item immediately.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management is reporting a balance under my name that came from a XXXX XXXX I previously owned. During a severe storm the vehicle flooded on the highway. I contacted the lender immediately and told them exactly where the vehicle was located so they could pick it up. Once it was taken, I was never given a full explanation of how this remaining balance was created. No one provided a breakdown. I was never shown a report, photos, insurance information, or anything that proves the amount they are claiming. This balance was placed on my credit without me ever receiving a clear explanation.

I also have never seen anything that shows I personally gave NCB Management permission to receive or report my private information. I did not authorize them and I did not sign anything that names them. If they are claiming I approved the transfer of my personal information, they should be able to show where that approval came from. XXXX is the original creditor, not NCB, and I was never shown how my information was moved to them. 

This situation has made it harder for me to get a reliable vehicle and stable housing even though I contacted the lender as soon as the flood happened and did everything I was supposed to do.

Company response to consumer: Closed with explanation