vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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, 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
This letter serves as my FINAL NOTICE regarding the inaccurate reporting of the following account : Creditor/Collector Name : LVNV Funding LLC Account Number : XXXX Original Creditor : XXXX XXXX XXXX Account Status : Closed, Collection/Charged Off I previously disputed this account and, pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), requested full validation of the debt and disclosure of the method of verification. To date, you have failed to provide any evidence that substantiates continued reporting of this account, nor have you fulfilled your legal obligations to properly verify or remove it.

Instead, you have continued reporting activity, including false updates that misrepresent the status of a closed collection account. This constitutes : Failure to investigate properly under FCRA 611 Failure to assure maximum possible accuracy under FCRA 607 ( b ) Continuing collection efforts without validation under FDCPA 809 ( b ) Misleading and damaging credit reporting practices You are now in willful violation of federal law. I demand : Immediate deletion of the entire account from all consumer reporting agencies.

Written confirmation that the account has been removed.

Failure to comply within 15 calendar days from receipt of this letter will leave me no choice but to escalate this matter by filing : A formal complaint with the Consumer Financial Protection Bureau ( CFPA ) A complaint with the Federal Trade Commission ( FTC ) A complaint with the State Attorney Generals Office A civil lawsuit against your company for damages under FCRA 1681n, 1681o, and FDCPA 1692k.

This letter serves as official evidence of your continued noncompliance. I highly recommend you take immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NM

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 explanation
Consumer complaint received 2025-05-15 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: 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 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I 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 explanation
Consumer complaint received 2025-05-15 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: VA

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rosenberg & Associates Recovery Services
State: PA

Complaint narrative:
Rosenberg & Associates has left numerous calls to my cell number from dozens of different phone numbers that originate in area codes all over the country. I block all the numbers but it seems they have an unlimited supply of numbers. They are so persistent, yet never mentioned in their voicemails what the call is about. I didn't know they were a debt collection agency until I did an online search. We pay our bills on time. We pay the full balance on all of our credit cards as soon as we receive the bill. No one has ever contacted us by mail claiming that we owe them any money. If they were legit, I would expect some kind communication that is more than the two sentence message regarding a " time sensitive issue. ''

Company response to consumer: Untimely response
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I filed a complaint about an item not received they asked me to submit evidence. I did the did absolutely no investigation. The just decided I received the item like I was lying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-05-15 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: DE

Complaint narrative:
I found accounts and inquiries on my account that dont belong to 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 2025-05-15 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 submitting this formal complaint regarding Equifaxs willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ) and 1681i ( Section 611 ), in relation to fraudulent information appearing on my consumer report. 

On XX/XX/XXXX, I submitted a valid identity theft dispute concerning a collection/charge-off account furnished by XXXX  XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/XXXX, which does not belong to me. I provided Equifax with all documentation required under 605B, including : A completed and signed identity theft report, A copy of my government-issued identification, Proof of current mailing address, Documentation supporting my identity theft claim, including evidence linking me to a known data breach.

Despite this, Equifax failed to block the fraudulent information within the statutorily mandated four business days, in violation of 605B ( a ) ( 1 ). Moreover, rather than deleting or suppressing the account, Equifax reported that the item had been verified, yet failed to provide a description of the procedure used to determine the accuracy and completeness of the information, or disclose the source of the data, in violation of 611 ( a ) ( 6 ) ( B ) ( iii ).

Equifaxs conduct demonstrates a disregard for both the FCRA and regulatory guidance issued by the CFPB, including XXXX XXXX, which emphasizes the obligation of consumer reporting agencies to conduct reasonable investigations and ensure the accuracy of information included in consumer reports. Further, Equifaxs actions contradict established legal precedent ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirms that consumers are entitled to accurate credit reporting and a good-faith reinvestigation of disputed information. 

To date, the disputed XXXX XXXX account remains on my credit report with a {$0.00} balance, continuing to harm my credit profile. Equifaxs failure to block or properly reinvestigate this identity theft-related entry constitutes an ongoing violation of my rights under federal law.

I respectfully request immediate removal of the account from my credit file, in compliance with 605B, and a full explanation of the procedures used in your reinvestigation per 611 ( a ) ( 7 ). 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of 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 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Dave Operating, LLC
State: VA

Complaint narrative:
I wrote a lot more but ironically it was deleted long story short is I accidentally attempted to transfer {$100.00} from Dave because I send money to Dave to use as a transfer between different accounts. The transaction declined because there wasnt enough money in Dave to transfer {$100.00} and I do not use Dave as a checking account or savings account or anything like that so there is no overdraft protection however there was a glitch in their system and they are showing that they sent me {$100.00} when I have the statement from my other account showing The XXXX dollars was reversed because there was insufficient funds. The money was never received by me, however the Dave application refuses to fix it even though I have emailed them. I have called them. I have text message them. They act as if they are ignorant and unaware of the process They act like they cant speak XXXX. They laugh and antagonize. They also disconnect the call over and over again, especially when I started to record them and explain that they have no reasonable expectation to privacy. They continue to disconnect the Call. They also took {$16.00} and some change from a deposit that was put into that account through XXXX and they have yet to give me that money back so that is why the negative balance is now {$100.00} down to {$83.00} I do not owe {$100.00} and they owe me my {$16.00} and I would like it back and I would like that Account clothes and I would like to pursue any legal action that I can take against a company that thinks they can do whatever they want their customer service XXXX XXXXXXXX and all the people do is read off a script and repeat themselves like they are XXXX, XXXX, and XXXX this has been going on for over three months now as I was told it would take 90 days to resolve this issue and then at the end of 90 days they told me there was nothing to resolve and if they send a single report to my credit, or I pray, which I doubt they take me to court I would love to show the incompetence of this company as I have again all of the screenshots and statements from where the funds were never received, they were blocked and reversed never entering my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
Im submitting a complaint regarding Chime XXXX XXXX XXXX based on the CFPBs recent order issued in XX/XX/year>. My account was closed ( or inaccessible ), and I did not receive a timely refund of my remaining balance. The delay extended beyond the reasonable time frame and caused financial hardship. This falls under the CFPBs finding of unfair practices in violation of the XXXX XXXX XXXX XXXX. I am requesting my refund and compensation as outlined in the CFPBs redress order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My XXXX XXXX was declared a total loss in XX/XX/year>, I understand there is a remaining balance of {$3200.00}, which I have been paying. However, the dealership where the vehicle is stored is threatening storage fees and I can not junk it without the title release. Wells Fargo is refusing to release or consent to junking the vehicle.

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 2025-05-15 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 XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am reporting an issue concerning my federal student loan serviced by ( XXXX ) Aidvantage. Upon reviewing my credit report, I noticed that the loan is inaccurately reported as delinquent, despite my consistent communication. I have contacted ( XXXX ) Aidvantage multiple times, most recently on XX/XX/year>, and spoke with an agent who assured me the issue would be resolved. However, as of today, the inaccurate information remains, adversely affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding the reporting practices of XXXX and the failure of the major credit bureaus ( EquifaxXXXX XXXX, and XXXX  ) to properly investigate and correct inaccuracies in my credit report. 

XXXX has reported inaccurate late payments on my credit report. I have disputed these entries multiple times, as they do not reflect my actual payment history. Rather than conducting a thorough investigation and correcting the inaccurate information, XXXX has instead altered the dates of the alleged late payments after each dispute, which appears to be a tactic to continue reporting derogatory information beyond what is allowed under the Fair Credit Reporting Act ( FCRA ). 

Additionally, the credit bureaus have failed to properly investigate my disputes. Despite providing supporting documentation, the bureaus have simply verified the inaccurate data with the furnisher ( XXXX ) without conducting an independent or reasonable investigation as required by the FCRA. This has resulted in continued damage to my credit profile due to information that is factually incorrect and potentially re-aged. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure : XXXX ceases the practice of altering payment dates following disputes, which may be a violation of the FCRA. 
The credit bureaus ( Equifax, Experian, and TransUnion ) are held accountable for failing to properly investigate and correct inaccuracies in my credit report. 
All inaccurate information related to these accounts is permanently removed from my credit file. 
I can provide documentation to support my claims, including previous dispute records and account statements. 

Thank you for your attention to this serious 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