vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ) and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

Details of the Complaint : XXXX. Failure to Validate the Debt I disputed a debt allegedly owed to LVNV Funding LLC and requested validation, including all assignment contracts proving their legal right to collect. 
Despite my request, LVNV Funding failed to provide validation or any supporting documentatio

n. In response to my complaint with the Better Business Bureau ( BBB
), LVNV Funding also failed to reply. 
XXXX. Continued Reporting on My Credit Report Despite their failure to validate the debt, LVNV Funding continues to report this alleged debt to credit bureaus, damaging my credit profile. 
This is a direct violation of XXXX XXXX. XXXX ( a ) ( XXXX ), which prohibits furnishing inaccurate information to consumer reporting agencies. 

Relief Requested : Cease and Desist : XXXX XXXX XXXX. XXXX ( c ), I demand that LVNV Funding immediately cease all collection activities, including phone calls, letters, and reporting to credit bureaus, until they properly validate the debt with all assignment contracts proving their right to collect. 
Removal from My Credit Report : Since they have not validated the debt, I request the CFPB to order LVNV Funding to delete this account from all consumer reporting agencies under XXXX U.S.C. XXXX ( a ) ( XXXX ). 
Investigation & Enforcement : I ask the CFPB to investigate LVNV Funding LLC for potential FDCPA and FCRA violations and take appropriate regulatory action. 

Attached are copies of my request through my BBB complaint, my credit report showing LVNV Fundings reporting, and any correspondence related to this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
I went on XXXX came back this account was added to my credit report which I didnt apply for XXXX XXXXXXXX ADDRESS ATTACHED TO IT XXXX XXXX XXXX XXXX XXXX XXXX, IL, 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 explanation
Consumer complaint received 2025-03-14 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:
i am a victim of identity theft from the equifax data breach, someone has been using my personal information to obtain goods.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
RE : XXXXXXXX XXXX XXXX I just received an alert from my XXXX that my XXXX score for Equifax decreased XXXX points from XXXX to XXXX. I checked my credit file on XXXX and found that XXXXXXXX XXXX XXXX has been reinserted back into my file. Prior to viewing my file on XX/XX/XXXX, I had last viewed the file on or about XX/XX/XXXX. And in XX/XX/XXXX, the XXXX XXXX XXXX was not listed in my report. ( See attached Equifax File in XX/XX/XXXX ). The XXXXXXXX XXXX XXXX  was removed because it was inaccurate. It is still inaccurate. The inaccuracy currently reporting is obvious. The payment history is reporting that the account went from Current or XXXX  days late in XX/XX/XXXX to XXXX  days late in XX/XX/XXXX. ( See attached page from Equifax XXXX as of XX/XX/XXXX ). Of course, it is impossible for an account to go from XXXX  days late to XXXX  days late in just XXXX days. Not to mention that the account was not even XXXX days late in XX/XX/XXXX. I made two payments in XX/XX/XXXX, including a payment of {$480.00} on XX/XX/XXXX and {$440.00} on XX/XX/XXXX. ( See attached Statement from XXXX XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXX Code XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX  days before the payment due date.

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 2025-03-14 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: WI

Complaint narrative:
I would like my account ti be settle from XXXX to {$300.00} into my account from XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
I am filing this complaint against Fairway Independent Mortgage Corporation because they engaged in fraudulent practices during my FHA loan process, including forging my signature and backdating a federal document ( HUD Addendum ) leaving it out of the closing documents and omitting a repair amendment that were supposed to be completed before closing. The repair amendment that was missing was safety hazards my inspector told me was required before I moved into the home. The loan officer worked closely with the real estate agent to take this out of my file and only focus on repairing the foundation ( because HUD would not let them get away with that ). Then they forced me to pay half the bill to repair it, splitting with the sellers. I was supposed to receive the receipts for all repairs during closing, but did not. I asked about it and they told me to go ask the sellers and pretended like they did not just omit this to underwriting to get the loan approved. This is not the process. 

Additionally, Fairway Independent Mortgage is abusing the CFPB complaint system by closing my case without providing a real response or resolution. 

These are the key issues that I urge CFPB to look at or I will report CFPB to regulatory bodies for not taking this complaint seriously. 

XXXX. Forgery & Falsified HUD Documents : -My signature was forged on a HUD addendum. 
-The addendum I provided texts, emails, and original document from Docusign was ignored and instead they only provided a forged and backdated copy as proof they met FHA requirements.

-Fairway and XXXX XXXX XXXX  XXXX XXXX recommended by Fairway ) left out an agreed-upon repair amendment, forcing me to pay out of pocket for repairs that were contractually required. 

XXXX. Unfair & Deceptive Business Practices : -Fairway has closed my previous CFPB complaints without actually resolving or addressing anything after their self incriminating " proof '' document -Their responses are generic, misleading, and fail to address the issue of forged documents and omitted repairs.

-This shows a pattern of deceptive practices to avoid accountability They may also be consulting their corrupt colleagues outside of their organization to try to cover up their wrongdoing and avoid accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NV

Complaint narrative:
I HAVE NO RECOLLECTION OF THIS ACCOUNT OR DEBT. I DO NOT OWE THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX has illegally accessed my Student Loan information and data. Thats a data breach on my account. That my debt account was changed and the harm is definitely financially devastating. He has no legal right to access my personal information or change anything on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
My personal information was leaked in a data breach, I contacted each company and explained this to them. I asked the companies to investigate and delete off my report as this is all false information.No one has gotten back to me. Listed below is the fraudulent activity on my report : XXXX XXXX- XXXX XXXX XXXX Account # XXXX {$14000.00} Date Opened XX/XX/XXXX - Consumer XXXX XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened XXXX XXXX XXXX - XXXX XXXX Account # XXXX {$1200.00} Date Opened XX/XX/XXXX - XXXX XXXX XXXX XXXXt XXXX XXXX {$100.00} Date Opened XX/XX/XXXX There is also a bunch of inquiries and student loans that I disputed I'm waiting on the results for them to be deleted as well.

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 2025-03-14 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: The CBE Group, Inc.
State: PA

Complaint narrative:
My personal information was leaked in a data breach, I contacted each company and explained this to them. I asked the companies to investigate and delete off my report as this is all false information.No one has gotten back to me. Listed below is the fraudulent activity on my report : XXXX XXXX XXXX XXXX XXXX Account # XXXX {$14000.00} Date Opened XX/XX/XXXX - Consumer XXXX XXXX Account # XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Date Opened XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX {$1200.00} Date Opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$100.00} Date Opened XX/XX/XXXX There is also a bunch of inquiries and student loans that I disputed I'm waiting on the results for them to be deleted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Central Research Inc
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CRI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Urgent FERPA Violation Dispute Unauthorized Access & Deletion of Student Loan Data Dear CRI, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " Musk and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/2025 ). The report raises alarming concerns regarding potential violations of the XXXX XXXX Rights and Privacy Act ( XXXX ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Equifax and Experian due to their failure to remove an outdated and inaccurate account from my credit report, despite my multiple disputes. 
The account in question is XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ), negative accounts must be removed after XXXX  years from the date of delinquency. 
This account became delinquent in XXXX and should have automatically been removed in XXXX at the latest. However, both bureaus continue to report it improperly. 

Experian states the account will remain until XX/XX/XXXX, exceeding the legal reporting limit. 
The date closed is missing, preventing automatic removal as required by the FCRA.

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 2025-03-14 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-14 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-14 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: NY

Complaint narrative:
I am writing to formally dispute the reinsertion of an account on my credit report that was previously deleted. This reinsertion violates my rights under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( B ) [ XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ], which outlines strict requirements for re-reporting previously removed items. 

According to FCRA XXXX ( a ) ( XXXX ) ( B ), if an item is reinserted, the credit bureau must : XXXX. Notify me within XXXX business days of reinserting the information. 
XXXX. Ensure that the furnisher of the information has certified that the account is accurate and can be verified. 
XXXX. Provide me with written notice including the name, address, and phone number of the furnisher. 

I have not received any notification from your bureau regarding this reinsertion, which means you are in violation of the law. I demand that this account be immediately removed from my report unless proper reinsertion procedures were followed, and that you provide documentation proving compliance with the FCRA. 

Furthermore, under FCRA XXXX ( a ) ( XXXX ) [ XXXX XXXX. XXXX ( a ) ( XXXX ) ], the data furnisher is also required to provide accurate information. If they failed to follow procedures before re-reporting the account, this constitutes a violation as well.

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 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I was scammed into sending multiple payments through Coinbase in the form of cryptocurrency transactions to a fraudulent individual who misrepresented their services. The scammer, XXXX, convinced me that they were providing professional XXXX marketing and automation services. Over several months, I was pressured into repeatedly sending payments via XXXX and other crypto transfers through Coinbase. 

After investigating, I discovered that this entire operation was a scam. XXXX confirmed that the orders in my store were fake and manually created by the scammer to make it appear as though I was making real sales. This deception was used to manipulate me into continuing to send payments through Coinbase under false pretenses. 

I contacted Coinbase support as soon as I realized I had been scammed, but they refused to take any action. Instead, they stated that they could not assist in retrieving the funds and would only cooperate with authorities if I escalated the issue elsewhere. I have attached screenshots of my communications with Coinbase, transaction records, and proof of the fraudulent nature of these payments. 

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to require Coinbase to take responsibility for facilitating fraudulent transactions, assist in identifying the scammers account, and take action to recover any remaining funds if possible. Given Coinbases regulatory responsibilities, they should not allow their platform to be used for fraudulent financial activity without any safeguards or recourse for victims.

Company response to consumer: Closed with explanation