vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: RI

Complaint narrative:
I am submitting this complaint to formally dispute a debt being reported by USCB Corp under Account # XXXX, with XXXX XXXX XXXX listed as the original creditor and an alleged balance of {$1200.00}. I have no recollection of entering into any financial agreement or contractual relationship with XXXX XXXX XXXX or USCB Corp, and I do not acknowledge this debt as valid. 

USCB Corp has failed to provide any documentation verifying their legal authority to collect on this debt. Reporting or attempting to collect a debt without proper validation is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This account is negatively impacting my credit report and has caused unnecessary stress. I have not received any documentation confirming the origin, legitimacy, or detailed breakdown of this alleged debt. 

To validate this claim, I am formally requesting that USCB Corp provide the following : Proof of their legal authority to collect on this debt ( per 15 U.S.C. 1692e and 1692f ).

A copy of their license or authorization to collect debts in my state. 

A signed contract or agreement between myself and XXXX XXXX XXXX proving the validity of the debt. 

A full and itemized account history showing how the alleged balance of {$1200.00} was calculated. 

Documentation showing legal assignment or transfer of the account from XXXX XXXX XXXX to USCB Corp. 

As stipulated in FDCPA 1692g ( b ), USCB Corp has 30 days from the date of this notice to provide proper validation. Failure to respond within the required timeframe will be interpreted as an inability to validate the debt. Based on the principle of estoppel by silence ( Engelhart v. Gravens ), lack of sufficient evidence will be taken as confirmation that this debt does not exist.

Any continued attempts to collect or report this unverified debt will be regarded as harassment and a violation of federal 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 explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-09 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: NY

Complaint narrative:
The accounts listed is a result of the Equifax breach, i have been directly affected. These are unauthorized accounts- XXXX XXXX  - Account XXXXXXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX Account XXXX Along with several inquiries from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX of 2025 chime took money out of my account for this program they call my pay.on the commercials Chime show that all customers will have access to their funds before the deposit date.True we do have access to our funds before the deposit date but not all of the funds.I reached the XXXX limit for my pay but only can draw out $ XXXX {$20.00} at a time every day.on the commercials it show we have access to all of our my pay funds before the deposit date but in reality we dont.I called chime and recorded the call and they told me that they was not able to give me access to all my funds due to the system letting their customer draw out little money at a time.I told them I had bills to pay and it still was nothing they can do and that made me late on bills that was due and it caused serious problems in my life.in XXXX we call that false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
Equifax is supplying incorrect information to my consumer report. They have not provided any verification of the alleged debt or validation. They have not supplied any contracts with my wedding signature. They also did not receive consent to report any information on my consumer report. They are violating my consumer rights as per the FCRA, the FDCPA, and The Privacy Act XXXX. Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TX

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 2025-04-09 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: IL

Complaint narrative:
I have tried disputing items with the credit reporting agencies that I believe was not accurately verified. Per 15USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting the method of verification and description of the procedure used the " verify '' the alleged accounts. I would like to request all documents that was retrieved to prove these accounts are reporting accurately. I am also opting out of any electronic verification device that your company uses such as E-Oscar, etc. If this can not be provided to me please remove the following items from my credit report within 15 days. I also believe this is a violation of 15 USC 1692 ( c ) and a violation of my right to privacy per the FCRA an FDCPA for I did not authorize your company to retrieve or publish any of this information. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I have tried disputing items with the credit reporting agencies that I believe was not accurately verified. Per 15USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting the method of verification and description of the procedure used the " verify '' the alleged accounts. I would like to request all documents that was retrieved to prove these accounts are reporting accurately. I am also opting out of any electronic verification device that your company uses such as E-Oscar, etc. If this can not be provided to me please remove the following items from my credit report within 15 days. I also believe this is a violation of 15 USC 1692 ( c ) and a violation of my right to privacy per the FCRA an FDCPA for I did not authorize your company to retrieve or publish any of this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I am filing this to add my XXXX loan to the complaints about Navient. I tried going through FSA.gov for a review of my loan, but they just closed it with no response. 
Here is my backstory : I took out a {$14000.00} XXXX XXXX loan for my oldest daughter in XX/XX/XXXX. I then lost my job in XX/XX/XXXX and started struggling paying this loan. I ended up collecting unemployment for 2 years because Obama extended all unemployment benefits during this time because of the economy. At some point I called Navient to ask for help lowering my payments. The agent recommended I put the account into forbearance instead so I took his advise. He did not advise me of the consquences of this. Once I had to start repaying the loan, the balance had gone up by a lot due to the interest compounding. Today the balance is at {$26000.00}, nearly double of the original balance. I have been paying the required monthly payments on this since and no matter what I do the balance will not go down. I can not afford to pay a large lump sum. I have put nearly {$3000.00} on it in the past 6 months with my current servicer XXXX yet the balance will not go down due to the interest that continues to pile up. This has been the situation with this loan since I started repaying, the balance will not go down. I am XXXX XXXX XXXX and will likely be stuck in this ongoing circle indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
On XX/XX/year>, I received a phone call from a representative named XXXX at Schuerger Law Group regarding an alleged debt owed to the City of XXXX in the amount of {$770.00}. I informed him that I would need to receive something in writing before continuing the discussion, and the call was ended. 

About a week later, I received a letter from Schuerger Law Group stating the alleged original debt amount as {$410.00}, plus {$100.00} in interest and {$260.00} in unspecified fees. 

On XX/XX/year>, Schuerger Law Group received and signed for a certified letter I sent, in which I : Formally disputed the debt Requested verification of the debt Requested documentation proving Schuerger Law Group 's legal authority to collect on the debt Requested a breakdown of the total amount, including an explanation of the added fees Requested that all future communication be in writing only Despite this, I have received no response or verification of the debt. However, I continued to receive phone calls on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

I answered and recorded the XX/XX/year> call. The representative again attempted to discuss a voluntary resolution. I reminded him that I had sent a certified verification request and requested all communication in writing. He denied receiving my letter. I informed him that I had proof of delivery and a signature. He then said they could stop the calls but had no other way to reach me. I reminded him that they had already mailed me the initial letter and had my mailing address. He then said they would stop the calls but would have to move forwarda statement I interpreted as a veiled legal threatbefore abruptly ending the call. 

To date, Schuerger Law Group has not provided verification of the debt, and has continued to call me despite my written request not to, which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  SERVIC # XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear CFPB, I am writing to request your assistance with an ongoing issue I have had with Equifax regarding a notation on my credit report. Specifically, the Fraud Victim ( associated with trade ) and " Blocked for Promotional Purposes '' notation that remains on my report despite repeated requests for its removal. 

My sensitive information, including my Social Security Number, address, date of birth, and full name, was exposed during Equifaxs data breach. After the breach, I worked with the appropriate parties to resolve the issue, and I can confirm that no fraud is currently present. Despite this, the Fraud Victim ( associated with trade ) status remains on my credit file. 

Since XX/XX/XXXX, I have contacted Equifax multiple times to request the removal of these notations. I was told by their representatives that the notation would be removed within 24 hours. On Monday XX/XX/XXXX, a Supervisor XXXX even provided me with Confirmation # after confirming that he received my documentation in the mail and provided me with confirmation # XXXX, confirming the removal would occur within 7-10 hours. However, as of today, the notation still remains. 

I have provided Equifax with all necessary documentation, including my drivers license, Social Security card, and other relevant proof, yet the issue remains unresolved. 

Please help me in finding a resolution to this matter as I have not been able to resolve it directly with Equifax. 

Attached are the following documents for your review : Driver 's License Utility Bill Social Security Card Credit Report ( from myequifax.com, as of XXXX  ), which shows the notation is still present. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I have disputed this account a few times through XXXX XXXX and I feel like it was not investigated properly, now this company is suing me. I would like a proper investigation on the account ending in XXXX And I would like a written contract with my signature on it. If this cant be provided then the account needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: RI

Complaint narrative:
I am submitting this formal dispute to address an alleged debt reported by LVNV Funding LLC under Account # XXXX, with XXXX listed as the original creditor and a reported balance of {$340.00}. I have no recollection of entering into any agreement or contract with XXXX XXXX and I do not acknowledge this debt as valid. 

I have not received any documentation verifying the origin or accuracy of this debt, nor have I been shown any legal proof that LVNV Funding LLC is authorized to collect on this account. Reporting or attempting to collect a debt without proper validation violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This collection account has been placed on my credit report, damaging my financial standing and causing unnecessary emotional distress. I formally request that LVNV Funding LLC provide the following documentation to validate this debt : Proof of legal authority to collect on this account under 15 U.S.C. 1692e and 1692f.

A copy of any signed contract or agreement showing that I owe this alleged debt to XXXX. 

Documentation showing the full and itemized account history, including how the {$340.00} balance was calculated. 

Evidence of a legal assignment or sale of the debt from XXXX XXXX LVNV Funding LLC XXXX 

Proof that LVNV Funding LLC is licensed to collect debts in my state.

As outlined in FDCPA 1692g ( b ), LVNV Funding LLC is required to provide this information within 30 days. Failure to do so will be interpreted as an inability to validate the debt. According to estoppel by silence ( XXXXXXXX XXXX XXXXXXXX ), a lack of timely response will be treated as confirmation that no such debt exists. 

If LVNV Funding LLC continues to report or collect on this debt without proper validation, it will be considered a willful violation of federal law and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I called the bank to contact fraud prevention and was refused

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 2025-04-09 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: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: AZ

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 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 2025-04-09 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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