vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-20 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: MI

Complaint narrative:
I am submitting this complaint regarding serious inaccuracies on my credit report that are causing me harm. I request immediate investigation and enforcement action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The following errors appear on my credit report : Wrong Address Reporting : XXXX XXXX XXXX, XXXX, MI XXXX is being reported as my address. This is factually incorrect. I have never resided at this address, and its presence on my credit file misrepresents my identity and creates risk of mixed credit information. 

Inaccurate Collection Account : XXXX XXXX  ( Account # XXXX ) Date Opened : XX/XX/year> High Credit : {$170.00} This account is being reported as a collection. I dispute the accuracy and legitimacy of this account. No proper validation has been provided, and I have no record of owing this alleged debt. Reporting unverified or inaccurate debt violates FCRA 1681e ( b ) ( reasonable procedures to ensure accuracy ) and FCRA 1681i ( failure to properly investigate disputed information ). 

These false entries are damaging my creditworthiness and financial opportunities. I am requesting that the CFPB : Investigate these violations by the credit reporting agencies and data furnishers. 

Require deletion of the false address and the disputed XXXX XXXX collection account. 

Ensure all credit reporting agencies update my file with accurate, verified information only.

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 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
ALDOUS ( Original Creditor : XXXX XXXX XXXX  ) This is account is incorrect and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Vance & Huffman LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Re : Cease and Desist of Unlawful Collection Activity Account No. : XXXX To Whom It May Concern, I am formally notifying you to cease and desist all communication with me regarding the above-referenced account. 

You have reported inconsistent and inaccurate dates for this account ( e.g., Date Opened : XX/XX/year>, Status Updated : XX/XX/year>, Balance Updated : XX/XX/year> ). These discrepancies are misleading and violate your obligation under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) to furnish only accurate and complete information.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c ( c ) ), I am exercising my right to demand that you immediately cease all forms of direct communication with me, including phone calls, letters, or electronic messages. Any further attempt to contact me outside of a written validation notice or required legal action will be considered harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office. 

If you believe this debt is valid, provide written validation in compliance with the FDCPA, including documentation of the original creditor, signed agreements, and a complete payment history. Otherwise, you must correct or delete the account from all credit reporting agencies. 

Failure to comply with this cease and desist notice will result in me pursuing all legal remedies available. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: IL

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 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: OH

Complaint narrative:
Hey, pls do me a favor and delte my report and file. I'm dealing w som identity theft and didnt give authrization for tht. Could you please delete thse so that I might restore my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX Consumer XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: MI

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX ( Account : XXXX ) for reporting inaccurate and harmful information on my credit report. 

Details of the account : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 High Credit : {$17000.00} Status : Charge Off Nature of Complaint : I have identified that this account has been reported as a Charge Off on my credit report, which I dispute. [ If applicable, briefly state why : e.g., I never received proper notice of default, I dispute the accuracy of the balance, or the account was resolved prior to charge-off reporting. ] This reporting has caused [ or is causing ] significant financial harm, including lowering my credit score, affecting my ability to obtain credit, and creating undue stress. Despite my attempts to resolve this matter directly with XXXX XXXX XXXX, the inaccuracies remain unresolved. 

Requested Resolution : I request the Consumer Financial Protection Bureau to : Investigate the reporting practices of XXXX XXXX XXXX. 

Ensure the inaccurate information is corrected or removed from my credit report. 

Notify me in writing of the findings and actions taken to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding a Pell Grant overpayment that has been improperly reported on my credit file. 

The overpayment occurred because I was unexpectedly XXXX on military orders and was unable to cancel my class or resolve the overpayment at the time. This situation was completely out of my control. Under these circumstances, I believe the debt should not have been held against me, and it should be removed from my credit history. 

Additionally, the creditor previously agreed to remove this item, and it has already been deleted from both my XXXX XXXX XXXX credit reports. However, it still remains on [ insert bureau that still shows it, likely TransUnion ], and it continues to unfairly damage my credit profile. 

This negative mark has been impacting my financial opportunities for a considerable period of time, and I respectfully request that it be resolved as soon as possible by having it fully and permanently removed from my TransUnion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: V and H Portfolio
State: MS

Complaint narrative:
Vance and Huffman put this on my credit report as a collection item. They need to provide the information on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I submitted a wire transfer in the amount of {$1300.00} USD to a company called XXXX XXXX ( also operating as XXXX ), which sells research peptides online. The wire was sent from my personal account at Chase Bank per the sellers instructions. 

The company was supposed to ship the product to me via XXXX. However, when the shipment arrived, XXXX flagged a discrepancy : while I had paid and been invoiced for {$1300.00}, the commercial invoice attached to the package listed a declared value of just {$80.00} USD. 

I attempted to resolve the issue directly with XXXX via emailreaching out multiple times with no response. After I left a review on XXXX, they responded and admitted fault, promising to issue a refund. They asked for my banking information to wire the funds back. I provided the necessary details, but no refund was ever sent. 

I followed up again multiple times, with no reply. Only after a second XXXX review did they send another email, apologizing and again promising a refund. That refund never happened either, and they have since gone silent. 

I then filed a formal complaint with Chase Bank, who confirmed receipt and is currently investigating the matter as potential wire fraud. 

At this stage, I am out {$1300.00}, and I have no product, no refund, and no resolution from the company. I believe this may represent a broader pattern of deceptive commercial practicesspecifically related to wire payment inducement and false documentation used to ship internationally. I am seeking any support or enforcement the CFPB can provide. 

I have documentation available including : Proof of wire transfer Email correspondence with the company The original invoice ( {$1300.00} ) XXXX  delivery records Their email acknowledgment of error and refund promise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: SC

Complaint narrative:
Re : Final Demand Method of Verification / Bankruptcy Dispute To Whom It May Concern, This letter is in response to your correspondence dated XX/XX/year>, in which you had the audacity to dismiss my lawful disputes as frivolous. Let me be very clear : my requests have been made in good faith and in strict accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681i. 
I have repeatedly demanded that Equifax provide me with the method of verification you claim supports the reporting of a bankruptcy on my consumer credit file. Instead of complying with the law, you have refused to provide this required information and have falsely asserted that my disputes will no longer be researched. 
I have already supplied you with written confirmation from the United States Bankruptcy Court for South Carolina, clearly stating that the court does not and has never reported bankruptcies to any consumer reporting agency. 
I have repeatedly demanded that you produce written proof of XXXX permissible purpose to furnish such information to Equifax. You have failed and refused to provide it. 
The FCRA is explicit : it is your duty, not mine, to verify the accuracy and completeness of any information you choose to report. Your continued reporting without providing proof of lawful verification is reckless, negligent, and willful misconduct. 
By refusing to provide the method of verification as required under 15 U.S.C. 1681i ( a ) ( 7 ), you are in clear violation of federal law. Furthermore, dismissing a legitimate dispute as frivolous without substantiating evidence only compounds your liability. 
This is not a request. It is a final demand. Either : Provide me with the full and complete method of verification ( including the name, address, and contact information of the person or entity you claim verified this bankruptcy ), OR Immediately delete this unverifiable and inaccurate bankruptcy entry from my consumer file. 
Failure to comply will leave me with no choice but to pursue all available remedies, including but not limited to : filing suit against Equifax for statutory, actual, and punitive damages under the FCRA ; filing additional regulatory complaints ; and seeking discovery of your so-called verification process in federal court. 
You do not get to willfully harm me, ignore the law, and then dismiss my lawful demands as frivolous. The law is on my side, and I am fully prepared to enforce it. 
I expect your full response within 5 days of receipt of this letter. You don't have the original 15 days to waste my time anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: TX

Complaint narrative:
I am submitting a formal complaint against [ Credit Bureau Name ] for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 

On [ Date of credit report ], I identified discrepancies in the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Issue : [ Describe inaccuracies such as incorrect balance, wrong status, inconsistent dates ] I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

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 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I deposited a check from my work and then the next day found my account restricted. First attempt to call, I got no greeting and got instantly put on hold and then hung up on. I called back and tried to I asked as to why my account restriction occurred I was told it was due to a transaction. I requested to be escalated to a manager and they told me theyd call back by shortly. I waited till XXXX XXXX ( 12 hours ) and called them again and asked why I never got a callback. The user proceeded to explain the closure script again but stated it was due to my check. I asked to speak to a manager and they stalled and hung up. From here I both submitted a csat complaining about this, went to both social media and reach out via DMs and email. Here I got a bit more movement, they were able to cancel my check but this didnt restore my account. When asking them to, they told me to call the number again and they will restore it. When I did, they once again explained Im pending closure and theres nothing they can do. Ive tried reaching back out via email and social media and have gotten zero reply. They are holding my funds hostage at this point, its been almost a month with no movement here. I need them to restore my account or give me my money they have held hostage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-20 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: LEXISNEXIS
State: UT

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
My husband and I entered into a solar panel agreement with XXXX XXXX on XX/XX/year>, and financed the system through GoodLeap for {$120000.00}. During the sales presentation, we were clearly told that we would receive a substantial federal tax credit as part of our solar panel purchase. This promise was a key factor in our decision to proceed with the system and loan. 

After installation, we discovered that we do not qualify for the federal tax credit due to our income structure : my husbands income is non-taxable and I earn less than {$30000.00} through self-employment. We now realize that we were misled into signing a contract and loan that we never would have agreed to had we known we were ineligible. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
My money was stolen out of my account plenty times

Company response to consumer: Closed with explanation