vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
Since at least XX/XX/XXXX, LVNV Funding LLC has been falsely reporting itself as the Original Creditor on my XXXX XXXX, and TransUnion credit reports for an account that originated with XXXXXXXX XXXX. 
The true original creditor is XXXXXXXX XXXX. This account was charged off in XXXX and subsequently sold. LVNV Funding LLC is a third-party debt purchaser and has never extended credit to me. 
By listing itself as the Original Creditor, LVNV Funding LLC is knowingly and willfully violating : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies 15 U.S.C. 1681s-2 ( b ) Failure to correct known inaccuracies after notice Metro 2 Credit Reporting Resource Guide ( CRRG ), Section 7 Field 8 Original Creditor Name ( explicitly states that a debt buyer/assignee must report the name of the creditor who originally extended the credit, not the current owner ) This ongoing willful misrepresentation has artificially lowered my credit score, caused me significant emotional distress, and increased the cost of credit. 
Attached is a current screenshot ( XX/XX/XXXX ) clearly showing LVNV Funding LLC falsely listed as both Original creditor and Original creditor name : LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I received an alert and reviewed my credit report. I noticed that my XXXX account is not reporting accurately. There is a payment reporting late for the month of XXXX. This payment was paid on time to XXXX XXXX XXXX company. I am asking that you investigate and provide verified proof with records reflecting the late payment for XX/XX/year>. If this information can not be verified I am asking that this payment be updated to paid on time immediately. Thank you for your prompt action in this matter. 

I have attached statements showing the payment was paid on XX/XX/XXXX to XXXX. The due date for XXXX was XX/XX/XXXX. I have also attached a document of the amount being debited from my account way ahead of XX/XX/year>. 

Please escalate the review of this matter.

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 2025-11-25 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: MI

Complaint narrative:
I am submitting a formal dispute regarding the following accounts that are listed on my credit report. These accounts have discrepancies that need to be investigated and corrected. Below are the details of the accounts in dispute, organized by each credit bureau. 
Charged-Off Accounts : XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$3800.00} XXXX XXXX Account Number : XXXX Account XXXX : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} NCB Account Number : XXXX Account XXXX : XX/XX/XXXX Balance : {$4100.00} XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$770.00} XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$350.00} XXXX XXXXXXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Account XXXX : XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> all my funds were stolen from my account. {$230.00} and they also used {$55.00} that was able to be borrowed and my {$25.00} spot me. I received many emails and notifications back to back. Someone named XXXX tried to add me to a family expense group and I denied it. I also seen one transaction that said from XXXX XXXX to accept or deny and when I went to deny it, all my funds were already removed. I received XXXX emails where XXXX separate phones were logged into my account. The security Tech said it seems like I was hacked and he removed a phone number he seen with no name. Other individuals were trying to take money out but it failed.I sent all this information even a written statement and they denied me twice. They just opened up another dispute. They say the investigation takes XXXX days but they denied me both times in XXXX days. The supervisor XXXX did nothing but blame me as if I did not protect my account. I had to call out of work Monday because they denied me and I had no money. Why would they send me to security department to protect my account after I was robbed? This is really putting stress on my family and I. I have no money to buy the rest of my Thanks giving Food. And when my direct deposit hit the supervisor said it will cover what was borrowed. So its okay for me to be robbed and then pay back the money the robber took. This is insane and totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MD

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MD

Complaint narrative:
The settlement for the purchase of the property located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX was conducted on XX/XX/year> at XXXX XXXX in XXXX XXXXXXXX XXXX. All liens on the property were not paid in full at closing and the house is now in the process of foreclosure. An FHA Lien in the amount of {$39000.00} was not paid off during closing. There is now a remaining lien and the homeowner does NOT have a clean title. Title insurance was purchased at closing through Capitol Title who's underwriter is First American Title. Since this was missed in the title search and the purchaser purchased title insurance, it is the responsibility of the title company to clear this missed lien. Capitol Title 's website states that their " ... title insurance policy guarantees that the property [ being purchased ] is free of ... liens ... ''. A demand letter has been drafted by my attorney and all parties have been formally notified of the missed lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Propel, Inc.
State: AR

Complaint narrative:
b'XX/XX/XXXX \nXX/XX/XXXX Arkansas XX/XX/XXXX'

Company response to consumer: Untimely response
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-25 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: CA

Complaint narrative:
I wish to formally dispute the accounts referenced above. They are not mine, and I did not permit their creation. I respectfully request a comprehensive review and subsequent deletion. Documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several accounts that have been inaccurately reported on my credit file. These accounts are marked as charged off, but the information provided is incomplete and erroneous. As such, I request an immediate investigation and correction of the following charged-off accounts : Charged Off Accounts : XXXX Account Number : XXXX * * * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX Account Number : XXXX * XXXX * * * * * * * Date Opened : XX/XX/XXXX Balance : {$2300.00} XX/XX/XXXX Account Number : XXXX * * * * * XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX * * * * XXXX * * * * * Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XX/XX/XXXXAccount Number : XXXX * * * Date XXXX : XX/XX/XXXX Balance : {$2200.00} XXXX XX/XX/XXXX Account Number : XXXX * * * Date XXXX : XX/XX/XXXX Balance : {$480.00} XXXX XX/XX/XXXX Account Number : XXXX * * * Date XXXX : XX/XX/XXXX Balance : {$980.00}

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 explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: Branch Messenger, Inc.
State: CA

Complaint narrative:
I have contacted branch bank about a refund that XX/XX/XXXX have sent over when I mistakenly filed a dispute on XX/XX/year>. XXXX told me that they refunded the money or the bank took the money back on XX/XX/year> in the XXXX ending in XXXX which was reported stolen And since then the bank claims that nothing was sent to them and that they can not help me out with this I am getting nowhere and trying to find my {$1500.00} from both companies ( XX/XX/XXXX and bank XXXX XXXX told me that their processing time for refund is three days which has been exceeded. The bank is now telling me that 14 days is when the money will be in my account which has been exceeded and still nothing has come into my new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am requesting an investigation of the following items on my TransUnion credit report. Please verify the accuracy and completeness of the information in line with FCRA guidelines. 

INQUIRIES XX/XX/XXXX, XX/XX/year> XX/XX/XXXX, XX/XX/year> XX/XX/XXXXXXXX, XX/XX/year> LATE PAYMENTS XX/XX/XXXX XXXX, XXXX * * * * XX/XX/XXXX XXXX, XXXX * * * * XX/XX/XXXX, XXXX * * * * XX/XX/XXXX, XXXX * * * * XXXX 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 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding the actions of Ally Financial, which I believe are unlawful, deceptive, and in violation of my consumer rights. 

On XXXX, XXXX, and XXXX I attempted to make the agreed payment of {$1400.00} on my auto loan. The company rejected my payment, even though I had sufficient funds the company claimed it was declined. I called multiple times after at first I thought maybe the amount was too high I ask to pay a lower amount just to see if they would accept the payment I even deposited more funds. I called back some told me they werent able to accept the payment. They later told me to make a payment to XXXX XXXX to XX/XX/XXXXOH which I thought was odd. This is incredible frustrating and overwhelming. 

Shortly after rejecting my payment, the company attempted to tow and repossess my vehicle. I am 100 % sure this is retaliation for my previous complaint against this company. 

This behavior appears to be predatory and retaliatory, and it has caused me significant stress, financial harm, and risk of losing my vehicle unnecessarily. 

I am requesting an immediate 1. Why my payment was rejected despite being made correctly. 
2. Why a tow/repossession attempt occurred while my payment should have been processed. 
3. Why a repossession order was issued after I reported the error and attempted to correct it. 
4. Removal of any negative marks, late fees, or delinquency notes caused by the companys error. 
5. Written confirmation that no repossession activity will continue while this complaint is investigated.

Company response to consumer: Closed with explanation