vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
There is an unauthorized XXXX account. ( Southwest Credit System ) Acct. XXXX. 
I was told that I owe for XXXX  services. I currently have XXXX XXXX services. 
Please send me the signature of the services or products signed and the XXXX contract XXXX I have NOT SIGNED ANY CONTRACTS!! 


Please upload the documents to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-06-19 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: SC

Complaint narrative:
I HAVE AN ACCT THAT IS FRAUD ON MY REPORT FROM XXXX XXXX XXXX FOR XXXX I HAVE NEVER HAD AN ACCT WITH XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: TX

Complaint narrative:
On XX/XX/XXXX, Vance & Huffman sent a response letter via CFPB website stating We have noted your dispute regarding this collection as well as your request for validation. We are awaiting validation from our client. We have also temporarily deleted the tradeline until sufficient documentation is provided to the consumer. 

As of today, XX/XX/XXXX, I have yet to receive validation from Vance & Huffman. According to 15 USC 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus, which are coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my previous complaint they have yet sent a validation of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
Summary of Issue : This is a formal consumer complaint regarding multiple inaccurate, incomplete, outdated, and unverifiable accounts reported by Equifax on my consumer credit report. Despite my rights under the Fair Credit Reporting Act ( FCRA ), these accounts remain improperly listed on my credit report. Equifax has either failed to conduct a reasonable reinvestigation or continued reporting unverifiable and inaccurate data, in violation of several provisions of the FCRA. 


Details of Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of Federal Law : These negative accounts violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) : Equifax failed to maintain maximum possible accuracy in reporting consumer information. Many of these accounts reflect inaccurate balances, payment histories, inconsistent charge-off amounts, and unverifiable debts. 
15 U.S.C. 1681i ( a ) : Equifax failed to conduct a proper reinvestigation of disputed information within 30 days and continued reporting unverifiable or inaccurate accounts.

15 U.S.C. 1681c ( a ) : Several accounts, including charge-offs and collections, are obsolete under the FCRAs 7-year reporting limitations and should no longer appear on my consumer report. 
15 U.S.C. 1681s-2 ( b ) : Data furnishers failed to conduct proper investigations upon notice of dispute and did not report updated or corrected information to Equifax.

Impact on Consumer : These inaccuracies have severely damaged my creditworthiness, resulting in denials of credit, higher interest rates, and reputational harm. Despite prior attempts to resolve these disputes directly with Equifax, the agency has failed to remedy the reporting violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Debt Dispute : VANCE AND HUFFMAN LLC - No Agreement Ever Made I am writing to dispute a debt appearing on my credit report from VANCE AND HUFFMAN LLC. I want to be absolutely clear : I have never entered into any agreement, contract, or financial arrangement with VANCE AND HUFFMAN LLC, nor have I ever authorized them to collect any debt on my behalf. 

Upon discovering this item on my credit report, I requested validation of the alleged debt, specifically asking for the original contract or agreement bearing my signature. To date, VANCE AND HUFFMAN LLC has not provided any such documentation to substantiate their claim, which further supports my assertion that no agreement ever existed between us. 

This unsubstantiated debt remains on my credit report, negatively impacting my financial standing. Since I have no contract or agreement with VANCE AND HUFFMAN LLC, I am not liable for this alleged debt, and I demand that they immediately remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I am filing a complaint becuase my creditor is reporting late payments on my accounts below ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that are inacurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15USC 1681 S2A furnishers must report accurate information under 15usc 1681I the credit bureaus must perform a reasonable investigation within 30 days. None of them have provided sufficient evidence to support the negative 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 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, XXXX this morning, I found my cash app account was hacked around XXXX, I also noticed someone tried to add money from my bank account to cash app account on XX/XX/XXXX and XX/XX/XXXX, but they all failed, and I did not notice that before, since I have not used cash app for a while. This morning, when I woke up around XXXX, cashapp sent me an email, which said I sent XXXX dollars to someone I did not know. And I tried to stop the transaction immediately when I found that, transaction happened at XXXX, I tried to dispute it at XXXX. I called my bank account, XXXXXXXX XXXX they file a claim, which case is XXXX, and I also called cashapp, and tried to dispute this transaction, since I really dont know him. I also request this man to give my XXXX dollars bank, but he just canceled that. I could not believe this happened on my cashapp, I trusted cashapp, but this app ruin my life. I even did not have money to buy groceries for the next week. I will not never use cash app, and wish you guys to investigate cashapp as well, to see whether they can really make customers money safe. I think its ridiculous for a digital wallet app to get hacked that easily. I more recommend XXXX for sure, since XXXX will need text verification code to finish transaction, stay away from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: FL

Complaint narrative:
Statement Regarding Loan Application and Request for Cancellation Date of Incident : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, at approximately XXXXXXXX XXXX I completed an online loan application requesting {$1000.00}. At no point during the process did the website display the interest rate or repayment terms. When I attempted to navigate back to find that information before submitting, the website reset and returned me to the beginning of the application process. 

Concerned, I immediately called customer service at XXXX at XXXX XXXX. I spoke with a male representative who informed me that the loan had already been submitted. He disclosed that the loan carried an extremely high interest rate and required 16 monthly payments of {$480.00}. I told him the terms were unreasonable and clearly stated that I wanted the loan canceled. He asked whether I would reconsider if offered a lower rate, and again, I firmly said, No, cancel the loan. He responded that he would take care of it. 

Later, when I checked my email expecting confirmation of the cancellation, I was shocked to find a message stating that my loan had been processed and that the first payment of {$1000.00} was due on XXXX XXXX XXXX 

I called customer service again at XXXXXXXX XXXX and spoke with a female representative. She stated that the loan had already been processed and could not be canceled, but that someone would contact me on XXXX XXXX XXXX to discuss cancellation options. When I requested to speak with a supervisor, she said one was not available. I could clearly hear background noise consistent with a call center. 

At that point, I began recording the call ( with the automated system notifying both parties of the fact ). I asked her to repeat her statement and also requested her name and the supervisors full name. She provided her first name but refused to provide her supervisors. 

I informed her that I would be reporting this issue to the Federal Trade Commission ( FTC ) due to the deceptive and unethical handling of my loan application and cancellation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-06-19 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: MO

Complaint narrative:
Several derogatory accounts were reported on my credit report by XXXX XXXX XXXX XXXX XXXX, a credit collector for XXXX, and XXXX XXXX. The accounts were reported as charge-offs, profit and loss write-offs, or collections, with the most recent reporting dates being XXXX 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 reviewed my credit report and found these accounts to be inaccurate, unverifiable, or lacking proper supporting documentation, such as an IRS Form 1099-C for the charge-off accounts. On XXXX XXXX XXXX I sent written dispute letters to all three major credit bureaus ( Experian, TransUnion, and Equifax ) requesting a full investigation and asking for original signed agreements and, where applicable, proof of 1099-C issuance for the debts reported as charged off or written off. 
I requested that any account that could not be properly verified with this documentation be blocked and deleted from my credit report in accordance with the Fair Credit Reporting Act. As of the date of this complaint, I have not received the requested documentation or a satisfactory response from the credit bureaus or the companies furnishing the information. 
I am seeking the removal of any unverifiable or inaccurately reported account information from my 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 2025-06-19 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:
Hello, I appreciate your time and attention. I am writing to formally dispute the information being reported on my credit report related to the company XXXX XXXX. There is a clear inconsistency in how the account is reported across the three major credit bureaus regarding the 'last payment date '. The dates listed on XXXX, TransUnion, and XXXX are all different for this same account, which indicates inaccurate or unverifiable reporting. 
Please note that this account has a {$0.00} balance. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this error be fully investigated and that this account be removed from all credit bureaus, including any smaller consumer reporting agencies such as XXXX and XXXX. 
I am including screenshots of all three reports clearly showing the date discrepancy, as well as my identification and address verification documents. 
Thank you so much in advance for helping me.

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 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
In XXXX XXXX PayPal permanently limited my account due to what they claimed were security concerns. I reached out multiple times to request a specific explanation, and they eventually responded that : 1. My account was accessed using an anonymizing proxy, and 2. My account shared login/device/IP data with other limited accounts. 

However, I believe this is a case of misidentification based on normal privacy and internet usage. The proxy they referenced was actually XXXX XXXX XXXX XXXX a built-in, XXXX-approved privacy tool on XXXX that masks IP addresses to prevent tracking. Its not a proxy used for fraud or malicious activity. 

The shared device/IP concern likely came from shared household Wi-Fi, which is common. Ive never operated multiple PayPal accounts or engaged in any suspicious behavior. 

I have been a PayPal user for over 7 years with no history of violations or disputes. Ive repeatedly offered to verify my identity and clarify the situation, but PayPal has refused to reconsider or allow an appeal. They are applying automated risk logic without context and have shut down access to my account indefinitely. 

I am requesting that CFPB assist with a fair, manual review of my case by PayPal and help ensure their policies are applied reasonably and transparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to formally address and follow up on the correspondence I received from your office, dated XXXX XXXX XXXX This letter pertains to my previous request to have specific information blocked from my Equifax credit file in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which provides protections for victims of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: HI

Complaint narrative:
Let me be extremely clear : this inaccurate reporting is damaging my credit score and, by extension, limiting my ability to move forward with time-sensitive matters like securing housing, obtaining better financial terms, and preserving my financial reputation. These consequences are tangible and harmful. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to formally dispute the information mentioned above and request that you investigate it thoroughly. This is not a passive requestI expect this investigation to be completed within the legally mandated timeframe ( typically 30 days ), and that I receive written confirmation of the results, along with an updated version of my credit report reflecting the correction ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
Hello, first of all, I would like to apologize to all of you for bringing this issue to this level.I came to the United States to work on a short-term visa.I thought carefully before getting my credit card.I used to make my payments on time.But one day, I was scammed by an online scammer and lost a lot of money. I even took money off my credit card.I continued to give the money, not realizing that I had been deceived, and later realized that I had been scammed.and after the visa expired, I left the country because I didn't want to violate my visa.During this time, I was unemployed and unable to pay my credit card bills.After a long wait, I was able to return to the United States and am now trying to fix the problem.Therefore, I accept the {$3400.00} I owe, I would like to ask for a time limit to pay this in installments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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