vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This is a continuation of a currently open CFPB complaint to trans union as I have received more information from the debt collectors.

Complaint reference numberXXXX I am disputing an account reported by XX/XX/XXXX that appears to violate multiple sections of the FCRA and lacks sufficient evidence to justify its inclusion on my credit report. 

Attached is the only documentation XX/XX/XXXXhas provided to validate this alleged {$500.00} debt is simply a XXXX page invoice with multiple red flags : It is missing my signature entirely. 

It references a {$500.00} insurance deductible, not a balance owed directly to the glass company. The billing cXX/XX/XXXXe XXXX clearly refers to XXXX XXXX not to me as a consumer. 

It states that the repair was completed to my satisfaction and that I authorize my insurance company to pay XXXX XXXX XXXX XXXX directly again, no signature from me is present to support this. 

It includes the line Received by with no date, no initials, no name, and no actual recipient acknowledgment. 

Nowhere does it demonstrate that I agreed to pay this balance, or that I was ever billed directly or failed to pay. It reads as an internal insurance invoice not a legitimate bill to a consumer. 

Despite the above, this invoice was apparently accepted by TransUnion as proof of debt, which is deeply concerning. 

Even worse, the invoice lists my mothers first name and mine together as if she shares liability XX/XX/XXXXXXXX XXXX XXXX XXXX ) despite the fact that she has a different last name and was never a named party on any policy, agreement, or billing. This information is completely inaccurate, and it has apparently caused this alleged debt to appear on her credit report as well. This is a clear violation of the FCRAs accuracy and permissible purpose requirements, and an egregious failure in data handling by both the debt collector and TransUnion. 

Lastly, I previously submitted a Method of Verification ( XXXX ) letter via certified mail to TransUnion and received no actual response confirming the method by which this debt was verified. The only acknowledgment I received from TransUnion was a vague boilerplate notice, and no valid documentation was ever provided to justify continuing to report this account. 

If this invoice is the only basis for reporting, then TransUnion is complicit in publishing inaccurate, unverifiable, and potentially fraudulent data despite having clear legal obligations under FCRA Sections XXXX and XXXX ( b ) to investigate and remove unsubstantiated information.

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 2025-10-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : XXXX. A signed FTC Identity Theft Report XXXX. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

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 2025-10-25 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : XXXX. A signed FTC Identity Theft Report XXXX. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: MS

Complaint narrative:
I looked on my credit report and noticed that there were several fraudulent, unverified accounts on my credit profile. I notified the credit bureaus and the creditors by certified mail on XX/XX/year>. ( I have included a copy of the certified mail receipt ). I asked for the original wet-ink signed documents used to open these fraudulent, unauthorized, and unverified accounts. I got the run- around. I NEVER received the requested items from the creditors nor the credit bureaus ( Transunion, Experian, and Equifax ). I am entitled to these documents under the FCRA laws. I have been left on hold for hours and the credit bureaus continue to report these fraudulent accounts in willful and deliberate defiance of the FCRA laws. This has caused me significant financial harm and humiliation. The credit bureaus are running sham investigations and leaving me to hold for hours at a time. This is shameful hideous behavior. I have had to hire an attorney to assist me in this endeavor as I have been turned down for loans because to the credit bureaus reporting fraudulent accounts

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 2025-10-25 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: MS

Complaint narrative:
I looked on my credit report and noticed that there were several fraudulent, unverified accounts on my credit profile. I notified the credit bureaus and the creditors by certified mail on XX/XX/year>. ( I have included a copy of the certified mail receipt ). I asked for the original wet-ink signed documents used to open these fraudulent, unauthorized, and unverified accounts. I got the run- around. I NEVER received the requested items from the creditors nor the credit bureaus ( Transunion, Experian, and Equifax ). I am entitled to these documents under the FCRA laws. I have been left on hold for hours and the credit bureaus continue to report these fraudulent accounts in willful and deliberate defiance of the FCRA laws. This has caused me significant financial harm and humiliation. The credit bureaus are running sham investigations and leaving me to hold for hours at a time. This is shameful hideous behavior. I have had to hire an attorney to assist me in this endeavor as I have been turned down for loans because to the credit bureaus reporting fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: NV

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Vance & Huffman , LLC for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Vance & Huffman has reported a collection account on my credit report without providing any proper validation or proof of the alleged debt. I have never received a written notice outlining the details of this debt as required by 15 U.S.C. 1692g ( a ) of the FDCPA.

Furthermore, after I submitted a written dispute on [ insert date ], Vance & Huffman failed to provide any documentation verifying the debt, such as a signed agreement, billing statement, or evidence that the debt was legally transferred to them. Despite this, they continue to report the account to credit bureaus a direct violation of 15 U.S.C. 1692g ( b ) ( failure to cease collection without validation ) and 15 U.S.C. 1681s-2 ( b ) ( furnishing inaccurate or unverifiable information ). 

Their failure to comply with these laws has caused unnecessary damage to my credit standing and emotional distress. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate Vance & Huffman , LLC for these violations and require them to : Provide full validation of the alleged debt with all supporting documentation ; or Immediately delete the account from all credit reports if validation can not be provided. 

I have attached copies of my dispute letter ( s ), any correspondence from Vance & Huffman, and my credit report entries showing their reporting. 

Thank you for your attention to this matter. I ask that the CFPB take appropriate enforcement action to ensure compliance with federal consumer protection laws and prevent further harm to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
Complaint Against Prestige XXXX for Reinserted, Re-aged, and Inaccurately Reported Account Dear CFPB Representative, I am writing to file a formal complaint against Prestige XXXX  regarding inaccurate and unlawful credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681c. An account previously associated with Prestige XXXX was removed from my credit report, but has since been reinserted without proper notice to me, as required by law. Additionally, the account has been re-aged to appear more recent than it actually is, which is a direct violation of FCRA 623 ( a ) ( 5 ). The account balance is also being reported incorrectly, which has negatively impacted my credit standing and score. I am requesting that the CFPB investigate this matter to ensure that Prestige XXXX and the credit bureaus ( XXXX, XXXX, and XXXX ) are held accountable for these violations.

Requested Resolution : 1. Immediate removal of the Prestige XXXX account from all credit reports. 2. Written confirmation that this account will not be reinserted without proper verification and notice. 3. Correction of any re-aging or balance errors associated with this account. 4. Assurance that my consumer rights under the Fair Credit Reporting Act are upheld. Please provide written confirmation that this complaint has been received and that an investigation will be initiated. Thank you for your time and attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-10-25 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: VA

Complaint narrative:
I am submitting this complaint because all three major credit bureaus have failed to properly respond to multiple disputes I have made regarding inaccurate, unauthorized, and unverifiable information on my credit reports. More than 35 days have passed since my most recent dispute filing, and the bureaus continue to publish incorrect information without providing required documentation or corrective action. 

Despite specific requests, each bureau responded only with generic verified responses without supplying the legally required method of verification, in violation of 15 U.S.C. 1681i ( a ) ( 7 ). The continued reporting of erroneous information also violates 1681i ( a ) and 1681e ( b ), which mandate reasonable investigation and maximum possible accuracy. 

Disputed and Unresolved Items The following items remain inaccurate or unverifiable : Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these items have been validated despite repeated legal requests. 

Legal Violations The credit bureaus are violating several sections of the FCRA including : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy I have not been provided with : Any documentation supporting the reported information Procedures used in verification Names or contact information of furnishers who allegedly verified the items

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 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OR

Complaint narrative:
I am disputing a collection being reported by I.C. System for {$1100.00}. This debt does not belong to me. I never received any written notice or debt validation as required under the FDCPA before this debt was reported to the credit bureaus. 

I have no knowledge of this account and never received any bill, statement, or communication that would allow me to verify or dispute this debt. Reporting a debt without first providing validation is a violation of the FDCPA ( 15 USC 1692g ) and the FCRA for inaccurate credit reporting. 

This collection is causing harm to my credit and financial opportunities. I am requesting an investigation into the validity of this account and the improper reporting of this unverified debt.

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 2025-10-25 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : XXXX. A signed FTC Identity Theft Report XXXX. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase charged my account two amounts of - {$370.00} on XX/XX/year> and XX/XX/year> sighting that post XXXXXXXX  system failure they had credited my account twice. When I reviewed all transactions on my account since XX/XX/XXXX and adding all the numbers I can see that there might have been one unnecessary credit if {$370.00} that was applied which should be reversed not two of them. This credit was credit by mistake when I withdrew money from the vault of XXXX XXXX where I was lending money out. 

I do believe they have software bugs and glitches in their implementation of the lending vault and XXXX XXXX integration and that causes lost money and their actions only causes consumer to lose more money. 

I had reached out to them repeatedly asking for clarification, they had not provided information. Their first line of customer care do not provide information and only waste time taking info. 

Moreover, prior to reaching this point, without knowing whats going on, they froze my account assets and disallowed me to transfer any cash out from the account without knowing anything and their customer service was unresponsive too. 

Bottom like they owe me {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, HI XXXX XX/XX/XXXX Phone : XXXX | Email : XXXX To : TransUnion TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Inaccurate and Obsolete Personal Information under FCRA 609 ( c ) ( 1 ) ( A ), 607 ( b ), and 611 Dear TransUnion Dispute Department, I am writing to formally dispute and request the removal of inaccurate and obsolete personal identifying information currently listed in my credit file. Under FCRA 609 ( c ) ( 1 ) ( A ), I have the right to ensure that my credit report contains only accurate and verifiable personal identifiers. Furthermore, FCRA 607 ( b ) requires consumer reporting agencies to maintain the utmost accuracy and avoid duplicative or misleading entries.

I do not recognize or reside at several of the addresses currently shown in my credit file, and I request their immediate deletion.

Incorrect / Obsolete Information to Remove : Name Variations : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect / Previous Addresses : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect / Outdated Employers : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Reflect : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Employer : XXXX XXXX XXXX. 

Under FCRA 611, please conduct a reasonable reinvestigation and remove or correct all unverified, obsolete, or inaccurate personal information. I do not wish to have mail or any personal information directed to addresses that are not mine.

Please send me an updated copy of my corrected credit report once this investigation is completed. 

Sincerely, XXXX 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 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
An XXXX XXXX charge on my Apple Card was placed XXXX in the amount of {$260.00} on XX/XX/year>. I immediately disputed it as I did not make this purchase. On XX/XX/year>, they completed the dispute and said I was responsible. I then re-opened the case and they closed it on XX/XX/year> again claiming I was responsible, so I reopened it and they just closed it again on XX/XX/year> claiming once again I was responsible. I asked for some sort of proof of purchase, something backing their investigation and they have not provided anything. I have never even used my card a XXXX and I did not make any purchase there. I am not responsible for this purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Complaint Against Chase Bank Unauthorized XXXX XXXX  Transactions and Failure to Protect Account Chase XXXX # : XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against JPMorgan Chase Bank , N.A. regarding unauthorized transactions made through XXXX XXXX linked to my Chase bank account. I am a XXXX XXXX and just assume my money is safe with a bank (? ). Other than purchases, I never gave card # to anybody, AND NEVER SHARED MY PIN WITH ANYBODY. 

On XX/XX/year>, I discovered that funds ( {$500.00} ) had been stolen from my account via XXXX XXXX without my authorization. I immediately contacted Chase Bank that day ( XX/XX/year> ( call ( s ) to Chase attached ) to report the fraud and request that they investigate and reimburse the stolen amount. ( I had my card in my possession and never shared my pin # with anyone ) Despite my prompt report and compliance with all requested procedures, Chase has failed to resolve the matter and return my money. 

The unauthorized use of XXXX XXXX indicates a security lapse in Chases fraud prevention or digital payment systems. Under federal law particularly the Electronic Fund Transfer Act ( Regulation E ) I understand that I should not be held responsible for unauthorized electronic transfers if they are reported promptly. Chases lack of resolution violates my consumer protection rights. ( Im sure the specifics of the fraud has happened to many others? ) I am requesting the CFPB to investigate this matter and ensure that Chase Bank : 1. Conducts a full investigation into the unauthorized XXXX XXXX transactions, 2. Reimburses the full stolen amount, and 3. Improves its fraud detection and consumer protection practices for digital wallet transactions. 

I copies of my timely phone correspondence with Chase Bank, transaction records, and any relevant case or claim numbers. 

Thank you for your attention to this serious issue. I respectfully request your assistance in resolving this matter promptly. 

Sincerely, Chase XXXX # : XXXX

Company response to consumer: Closed with monetary relief