vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: KY

Complaint narrative:
I am disputing inaccurate and unverified account information reported by XXXX  and connected to Vance & Huffman XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I initially sent a dispute letter to XXXX XXXX. Their reply did not come from XXXX XXXX, but from Vance & Huffman, who claimed to be collecting on the account. I then mailed two additional dispute letters directly to Vance & Huffman. Despite these efforts, they have never provided proper verification of the debt.

The only response I received from Vance & Huffman was a letter stating that I owed money, but it contained no proof of ownership, original signed agreement, or supporting documentation. Additionally : - Vance & Huffman claim an account number of XXXX and identify the current creditor as XXXX XXXX XXXX XXXX XXXX 
- XXXX XXXX references a different account number, XXXX, which does no

t match Vance & Huffmans records. - The information appearing on my XXXX  report does not align with either of these numbers, creating further inconsistencies. 

I do not recognize this debt, and given the conflicting account numbers, lack of verification, and failure to provide timely and complete responses, I believe this reporting is both inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

Most importantly, XXXX  and Vance & Huffman denied my legal right to a full investigation within the required 30-day period. Under the FCRA, any failure to complete a reinvestigation within 30 days requires the disputed account to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law.

XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am disputing an invalid debt being collected by Transworld Systems Inc. on behalf of XXXX XXXX XXXX XXXX XXXX. 

In early XXXX, Transworld began sending me collection demands for {$640.00} allegedly owed to XXXX XXXX. I disputed this debt in writing via certified mail on XX/XX/year>, requesting verification. My letter was delivered and signed for on XX/XX/year>, but Transworld never responded with validation of the debt. Instead, they continued to send collection notices ( including one dated XX/XX/year> ) in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I also sent a certified dispute letter directly to XXXX XXXX billing department on XX/XX/year>. USPS records show it was received and signed for on XX/XX/year>, but months later the letter was returned to me unopened, marked insufficient address. This indicates that XXXX did not even review or respond to my dispute, despite receiving it. 

Most importantly, my insurer XXXX explained to me over the phone that I had {$0.00}. responsibility, told this to XXXX over the phone, and issued an Explanation of Benefits ( EOB ) and cover letter confirming I have {$0.00} member responsibility for all XXXX XXXX claims. I have encosed : XXXX cover letter confirming {$0.00} responsibility ( DCN # XXXX ). 
Pages from the EOB showing the XXXX charges with the same XXXX. 
Copies of my dispute letters. 
USPS proof of delivery for Transworld and XXXX. 
A copy of XXXX returned, unopened envelope. 
Copies of collection demands from Transworld. Despite receiving proper dispute letters and proof fr
om XXXX that I owe nothing, both XXXX and Transworld failed to validate the debt, continued collection activity, and refused to acknowledge my communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
In reviewing my credit reports in XXXX and XX/XX/XXXX, I identified multiple inaccurate and misleading entries that are negatively affecting my credit. Several accounts are reported as charge-offs or collections with incorrect balances, duplicate entries, or unverifiable information. For example, a vehicle loan with XXXX XXXX and an account with XXXX XXXX are both reporting as charge-offs with conflicting amounts and dates. Other accounts, such as XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, reported XX/XX/XXXX ) and XXXX. XXXX ( XXXX XXXX XXXX, reported since XXXX ), continue to be listed as active collections despite disputes. 

I also noted duplicate collection entries with XXXX XXXX XXXX and inaccurate reporting from XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX ( XXXX ). These items have been updated multiple times in XXXX, but the information remains inconsistent and damaging. 

In addition, there are numerous hard inquiries from auto lenders and finance companies between XX/XX/XXXX and XX/XX/XXXX, including XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and several auto finance companies in XX/XX/XXXX, which I did not authorize. These inquiries appear excessive and contribute to lowering my credit score.

I contacted the credit bureaus and submitted disputes on XX/XX/XXXX, requesting that unverifiable accounts and inquiries be corrected or removed. Despite this, the information remains unchanged. The continued reporting of these inaccurate accounts and inquiries is a violation of my rights under the Fair Credit Reporting Act.

I am requesting that the companies verify the accuracy of these accounts and inquiries. If they can not provide verification, I request that the negative entries and unauthorized inquiries be removed from my credit reports 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 explanation
Consumer complaint received 2025-10-03 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: IA

Complaint narrative:
I am filing this complaint because Equifax is reporting a charge-off for my XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX for {$0.00} dated XX/XX/year>, which is inaccurate and unverifiable. This entry is either the result of erroneous reporting from the furnisher or may have originated from a data breach affecting the accuracy of consumer credit information. I have never received documentation from XXXX  or the creditor proving that this charge-off is legitimate, yet it continues to appear on my credit report. The ongoing presence of this unverified and damaging information is misleading, materially false, and constitutes a violation of my rights under the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), XXXX  is legally required to maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. Reporting a charge-off without verified evidence clearly fails this standard. Furthermore, under 15 U.S.C. 1681i ( a ), I am entitled to a reasonable reinvestigation of any disputed information. XXXX  reliance on unverified information from the creditor without producing certified documentation does not meet the legal requirements for a proper reinvestigation. The continued reporting of this charge-off is causing substantial and ongoing harm, including difficulty obtaining credit, higher interest rates, and undue emotional distress. I am being penalized for an alleged debt that has not been substantiated, creating both financial and personal hardship. The stress and frustration of having to repeatedly dispute this account, while Equifax allows it to remain, has taken a severe toll. I have spent significant time and effort attempting to correct an issue that is not my fault, while the bureaus continue to report it as though it were valid. This demonstrates a disregard for both the law and the personal impact of inaccurate reporting on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
In reviewing my credit reports in XXXX and XX/XX/XXXX, I identified multiple inaccurate and misleading entries that are negatively affecting my credit. Several accounts are reported as charge-offs or collections with incorrect balances, duplicate entries, or unverifiable information. For example, a vehicle loan with XXXX XXXX and an account with XXXX XXXX are both reporting as charge-offs with conflicting amounts and dates. Other accounts, such as XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, reported XX/XX/XXXX ) and XXXX. XXXX ( XXXX XXXX XXXX, reported since XXXX ), continue to be listed as active collections despite disputes. 

I also noted duplicate collection entries with XXXX XXXX XXXX and inaccurate reporting from XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX ( XXXX ). These items have been updated multiple times in XXXX, but the information remains inconsistent and damaging. 

In addition, there are numerous hard inquiries from auto lenders and finance companies between XX/XX/XXXX and XX/XX/XXXX, including XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and several auto finance companies in XX/XX/XXXX, which I did not authorize. These inquiries appear excessive and contribute to lowering my credit score.

I contacted the credit bureaus and submitted disputes on XX/XX/XXXX, requesting that unverifiable accounts and inquiries be corrected or removed. Despite this, the information remains unchanged. The continued reporting of these inaccurate accounts and inquiries is a violation of my rights under the Fair Credit Reporting Act.

I am requesting that the companies verify the accuracy of these accounts and inquiries. If they can not provide verification, I request that the negative entries and unauthorized inquiries be removed from my credit reports 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 explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In reviewing my credit reports in XXXX and XX/XX/XXXX, I identified multiple inaccurate and misleading entries that are negatively affecting my credit. Several accounts are reported as charge-offs or collections with incorrect balances, duplicate entries, or unverifiable information. For example, a vehicle loan with XXXX XXXX and an account with XXXX XXXX are both reporting as charge-offs with conflicting amounts and dates. Other accounts, such as XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, reported XX/XX/XXXX ) and XXXX. XXXX ( XXXX XXXX XXXX, reported since XXXX ), continue to be listed as active collections despite disputes. 

I also noted duplicate collection entries with XXXX XXXX XXXX and inaccurate reporting from XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX ( XXXX ). These items have been updated multiple times in XXXX, but the information remains inconsistent and damaging. 

In addition, there are numerous hard inquiries from auto lenders and finance companies between XX/XX/XXXX and XX/XX/XXXX, including XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and several auto finance companies in XX/XX/XXXX, which I did not authorize. These inquiries appear excessive and contribute to lowering my credit score.

I contacted the credit bureaus and submitted disputes on XX/XX/XXXX, requesting that unverifiable accounts and inquiries be corrected or removed. Despite this, the information remains unchanged. The continued reporting of these inaccurate accounts and inquiries is a violation of my rights under the Fair Credit Reporting Act.

I am requesting that the companies verify the accuracy of these accounts and inquiries. If they can not provide verification, I request that the negative entries and unauthorized inquiries be removed from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-03 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: AL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-03 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: NY

Complaint narrative:
Hello, I am writing on this because I recently learned from my credit report that I have a debt collection from XXXX XXXX a company that I have not been affiliated with for over a year and a half. In XXXX of 2024, I was unsatisfied with XXXX so I closed down my account. I paid off my phone in full, and of course, all the monthly billing statements were paid. I just wanted to unlock my phone there after paying off the entire account. In the process of trying to do this, I experienced probably one of the most heinous ordeals, where I was on the phone with customer service, and they could not figure out how to unlock my phone and never did. I do not know what they did on the back end. Through a repetitive and unresolved process of just trying to unlock this phone and speaking with customer service agents many times they tried many different solutions and none of them worked, and these were the only conversations I had with them to my knowledge this was all done after I had paid off my phone bill and my phone loan in complete entirety. After not being able to resolve this. I went in person to a XXXX store for assistance, and they verified to me in person that I had done everything correctly and that they could not figure out why XXXX could not unlock my phone. She said, she would try and resolve this issue and I gave her my all my XXXX XXXX informational and old log in, and anything that was done to my account she did, I have not touched that account or use the service since activating my new plan in XXXX. They then reported to me that XXXX is XXXX, and that there is a flaw in their operations and that that is why I couldnt be done and that likely I would get no resolution to being able to unlock and use that old phone with a new carrier. I see now that the incompetence of XXXX has recirculated to create a tremendous problem by sending a debt that they falsely created to collections likely originating during the process of me just trying to end my service and pay off my phone. this that has now been sent to debt collections and has hurt my credit purely based on the incompetence of an operations team. This must be resolved and I am reaching out to every party involved. I am also attaching the photo that proves that I paid off my phone to XXXX so that I could get out of a monthly billing cycle, which was also completely paid because I was switching carriers. The law office handling I called and they can only gather information from the dispute from XXXX XXXX however XXXX XXXX is not capable of providing records of what actually occurred. I am also providing an image that I started service with a new carrier in XXXX of 2024.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation