vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: MD

Complaint narrative:
Date : XX/XX/XXXX To : LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX XXXX : Formal Dispute and Demand for Debt Validation CFPB Case # : XXXX Dear LVNV Funding LLC, I am following up on your response to my CFPB complaint dated XX/XX/XXXX, regarding the account referenced above. Your response failed to provide the legally required documentation to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. 

Deficiencies in Your Response : Lack of Chain of Assignment : You refused to provide a purchase and sale agreement or a complete chain of assignment that proves LVNV Funding LLC legally acquired the account from XXXX XXXX XXXX. 

I am reiterating my demand for this documentation as required by 15 U.S.C. 1692e ( 2 ) ( A ) and 15 U.S.C. 1692f ( 1 ).

Improper Service and Invalid Judgment : You claim a judgment was obtained on XX/XX/XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX 

I never received proper service of the summons and complaint, making this judgment potentially void under Maryland law. 
Continued Collection Attempts Despite Dispute : Any attempts to garnish wages or continue collection efforts while this debt remains disputed violate 15 U.S.C. 1692f and may result in legal action. 
My Formal Demands : Immediate Cease and Desist on Garnishment Efforts : You are hereby instructed to immediately halt all garnishment actions until full compliance with my validation request is met. 
Validation of Debt with Full Chain of Assignment : Provide a complete chain of assignment from XXXX XXXX XXXX to LVNV Funding LLC, including : All purchase agreements and transfer documents. 
Proof of the exact amount owed and any fees added. 
Motion to Vacate and Legal Action if Non-Compliance Continues : If you fail to provide full validation of the debt and continue to pursue collection efforts, I will : File a Motion to Vacate the Judgment in XXXX XXXX. 
Pursue legal action for violations of the FDCPA and other relevant laws. 

Notice of Potential Damages : Failure to comply with this formal request may result in statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1692k, in addition to actual damages and attorneys fees. 

Please respond to this request in writing to the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX reported multiple payments as being paid over 30 days, when they were not paid over 30 days. On more than XXXX occasion I paid the account near the end of the XXXX XXXX didnt credit the payment until several days into the following month, even though the money was taken from my bank account instantly before being 30 days. On another most recent occasion, they changed their web site where I make payments.. they reported the a payment as over 30 days because their web site tried to deduct the payment from the wrong payment / bank account. Ive filed multiple disputes with the credit bureaus to correct the problem.. I provided payment receipts that I receive via email that show the payment was made prior to 30 days .. even though I provided proper documentation with my dispute .. the credit bureaus claim it was valid as it was reported.

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 2025-03-30 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX reported multiple payments as being paid over 30 days, when they were not paid over 30 days. On more than one occasion I paid the account near the end of the month.XXXX XXXX didnt credit the payment until several days into the following month, even though the money was taken from my bank account instantly before being 30 days. On another most recent occasion, they changed their web site where I make payments.. they reported the a payment as over 30 days because their web site tried to deduct the payment from the wrong payment / bank account. Ive filed multiple disputes with the credit bureaus to correct the problem.. I provided payment receipts that I receive via email that show the payment was made prior to 30 days .. even though I provided proper documentation with my dispute .. the credit bureaus claim it was valid as it was reported.

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 2025-03-30 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX reported multiple payments as being paid over 30 days, when they were not paid over 30 days. On more than one occasion I paid the account near the end of the month.XXXX XXXX didnt credit the payment until several days into the following month, even though the money was taken from my bank account instantly before being 30 days. On another most recent occasion, they changed their web site where I make payments.. they reported the a payment as over 30 days because their web site tried to deduct the payment from the wrong payment / bank account. Ive filed multiple disputes with the credit bureaus to correct the problem.. I provided payment receipts that I receive via email that show the payment was made prior to 30 days .. even though I provided proper documentation with my dispute .. the credit bureaus claim it was valid as it was reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/XXXX, to XX/XX/XXXX, I had my XXXX XXXX XXXX stolen from my possession. For the next XXXX month and XXXX days, the perpetrator made XXXX transactions for a total of {$120.00}. I originally reported this to as early as XX/XX/XXXX and then again on XX/XX/XXXX. Both times my dispute claim was denied even though I had overwhelming evidence from my phone manufacturer ( XXXX  ), phone XXXX ( XXXX  ), saying there was unauthorized activity on my device during the time period which the transactions took place and all the corresponding merchants involved in this incident ( XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX said theyd work with the financial institution ( Chime ) to reimburse me for the lost funds. I dispute these transactions and included the emails from the merchants above and was denied XXXX times. I have had XXXX unauthorized disputes denied by Chime, causing financial distress and distrust with this particular financial institution over their lack of security and consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/2025, I disputed XXXX XXXX transactions for {$37.00} & {$20.00} that took place on XX/XX/XXXX & XXXX respectfully. I contacted XXXX and they reviewed and confirmed I never received the transactions. They said theyd be working with the financial institution to reimburse me for the orders I never received. I disputed these transactions through Chime, adding all necessary documents, receipts, emails, and communication with merchant ( XXXX ). They initially credited my account, saying my claim was resolved. The next week they then said my claim resolution had changed, was denied, and they were removing the credit from my account. I am in a period of financial ruin and I am in no position to have this type of debt on my account. I tried to appeal the claim XXXX times and continually got denied. This has my account overdrawn after this was a confirmed error from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
On XX/XX/year>2025 I discovered that I was a victim of identity theft involving multiple fraudulent accounts. I did not open or authorize the following. XXXX XXXX  - Account number XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX  - XXXX late payments I am requesting these accounts be investigated and removed from my credit report. This fraudulent activity has caused financial and personal distress, and would appreciate your prompt response in resolving 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 2025-03-30 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: VA

Complaint narrative:
**Issue : ** **Creditors Illegally Reporting Disputed Accounts to a Different Credit Bureau After XXXX : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX of Problem : ** I am filing this complaint because the above-named creditors **wrongfully re-reported disputed accounts to Equifax** after I successfully XXXX them **removed from my XXXX report**. This illegal act appears to be an attempt to circumvent the Fair Credit Reporting Act ( FCRA ) and my prior disputes. 
**Key Violations : ** 1. **FCRA 623 ( a ) ( 3 ) ** Creditors must **not continue reporting inaccurate information** after being notified of a dispute.

2. **FCRA 611** If an item is deleted after a dispute, it ** can not be reinserted** ( or reported to another bureau ) **without certification of accuracy and proper notice**.

3. **Deceptive Practices** Moving a disputed account from one bureau to another after removal is unfair and illegal.

**Requested Resolution : ** 1. **Permanently delete** these accounts from XXXX. 
XXXX. **Investigate** the creditors for **circumventing FCRA dispute procedures** XXXX 
XXXX. **Provide written confirmation** of corrections. 
XXXX. **Cease all further illegal reporting** of these accounts to any credit bureau XXXX XXXX XXXX fine for each violation according to the FCRA guidelines XXXX 

**Supporting Documents : ** - XXXX dispute results ( showing removal ). 
- Equifax credit report showing newly reported accounts. 

Sincerely, XXXX XXXX Attached are : XXXX. SSN XXXX. Drivers license XXXX. Proof of deletion of account from my XXXX credit file XXXX. Picture of the XXXX derogatory accounts to be removed permanently. 
XXXX. Proof of current utility bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
Ive been battling this since I became aware of it in 2022. I never received any written notice as a right to dispute before being furnished onto my report.. Ive spoke back and forth with both southern finance and XXXX XXXX adjusters ( the alleged debt collection agency that purchased ) who has stated theyre not pursuing the debt and its in cease & desist status southern finance no longer owns this alleged debt yet will not remove it from my credit file for their own malicious intent Ive asked them to apply an application, contract with proper disclosures including truth in lending disclosures but they can not because I never applied for anything with this company and I dont know how they acquired my private information ( social security number ) and it makes me very weary about the security of my private information. I am being denied for housing, cars, credit because of this and it has harmed me tremendously as I am a mother of 3 and my financial situation is a disaster because of this. Ive submitted an identify theft report WEEKS ago and nothing still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF Items TO BE REMOVED XXXX  XXXX BALANCED {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
Ive been battling this since I became aware of it in 2022. I never received any written notice as a right to dispute before being furnished onto my report.. Ive spoke back and forth with both southern finance and national credit adjusters ( the alleged debt collection agency that purchased ) who has stated theyre not pursuing the debt and its in cease & desist status southern finance no longer owns this alleged debt yet will not remove it from my credit file for their own malicious intent Ive asked them to apply an application, contract with proper disclosures including truth in lending disclosures but they can not because I never applied for anything with this company and I dont know how they acquired my private information ( social security number ) and it makes me very weary about the security of my private information. I am being denied for housing, cars, credit because of this and it has harmed me tremendously as I am a mother of XXXX and my financial situation is a disaster because of this. Ive submitted an identify theft report WEEKS ago and nothing still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: AE

Complaint narrative:
On XX/XX/year>, my student loans were forgiven through the XXXX XXXX, and a letter was sent to me by XXXX with the good news. I had been waiting MONTHS for this news so that the balance will drop from my credit and my score will go up accordingly. Sadly, it has been almost 5 months since that letter. I have requested for it to reflect on my credit report, but I haven't heard anything back from the company.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
On XX/XX/year>, my student loans were forgiven through the XXXX XXXX, and a letter was sent to me by XXXX with the good news. I had been waiting MONTHS for this news so that the balance will drop from my credit and my score will go up accordingly. Sadly, it has been almost 5 months since that letter. I have requested for it to reflect on my credit report, but I haven't heard anything back from the company.

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 2025-03-30 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: AE

Complaint narrative:
On XX/XX/2024, my student loans were forgiven through the XXXX program, and a letter was sent to me by XXXX with the good news. I had been waiting MONTHS for this news so that the balance will drop from my credit and my score will go up accordingly. Sadly, it has been almost 5 months since that letter. I have requested for it to reflect on my credit report, but I haven't heard anything back from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Notice : If I do not succeed in redress and recourse with this complaint, I will be contacting The Ohio Attorney Generals office for further assistance. 

This is a direct dispute, XXXX Direct disputes - Notice of determination. Upon making a determination that a dispute is frivolous or irrelevant, the furnisher must notity the consumer of the determination not later than XXXX business days after making the determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the turnisher. 

I originally made a complaint through the CFPB for Equifax number XXXX This complaint and dispute with Equifax was handled absolutely incorrectly. 

XXXX failed to conduct adequate investigations of disputed information in credit reports. 

Here is my proof. 
Please see attached photos attached to this complaint Please view complaints that are listed in photos. 
Please see what those complaint numbers say within the complaint and what documentation was attached. 

Equifax must pay a {$15.00} XXXX civil money penalty, which will be deposited into the CFPB 's victims relief fund. 

" Equifax failed in its basic duty to investigate and resolve consumer disputes about inaccurate information on their credit reports, '' said CFPB XXXX XXXX XXXX. " XXXX 's order requires Equifax to pay a civil penalty and follow federal laws on handling credit reporting disputes. '' Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the XXXX. The CFPB 's lawsuit seeks to stop the company 's unlawful conduct, to provide redress for harmed consumers, and the imposition of a civil money penalty, which would be paid into the CFPB 's victims relief fund. 

I am seeking civil money penalty fees to be paid to me from the CFPBs victims relief fund for the negligent and willful misconduct Equifax has committed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Scott & Associates is attempting to collect a debt without proper legal validation. I requested verification under FDCPA 1692g, but they failed to provide a signed contract or proof of ownership. Instead, they only sent a billing statement, which is NOT legal validation.

Despite failing to verify, they continue reporting this unverified debt to credit bureaus, violating FCRA 1681s-2 ( b ). This inaccurate information is damaging my credit. Additionally, they have continued collection attempts without proof, which is a violation of FDCPA 1692e ( misrepresentation of a debt ). Requested Resolution : Delete this unverified deb
t from my credit reports immediately.

Cease all collection activity since they failed to validate.

Investigate Scott & Associates for repeated violations of federal law.

Company response to consumer: Closed with explanation