vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
Complaint Summary : I am disputing a debt originally issued by XXXX XXXX ( XXXX XXXX  ) and now being collected by Midland Credit Management. There are clear discrepancies in the balance and interest charges associated with this account, which I raised directly with XXXX prior to the account being sold. XXXX refused to investigate or address these issues and transferred the account to Midland without resolution. 

Since then, I have attempted to explain these discrepancies to Midland Credit, but they continue to pursue collection and have recently referenced pre-legal action. When I spoke with a Midland representative, I explained that the debt was not valid as the original balance was incorrect and never resolved. Despite this, the representative repeatedly told me, Im just here to advise, not tell you what to do, and was dismissive of my attempts to explain the issues. My concerns were not taken seriously, and no genuine effort was made to investigate or validate the disputed charges beyond a vague claim that the debt was verified. 

This situation has caused significant stress. I am a single mother, currently XXXX XXXX full-time to build a better future. I have also experienced serious medical issues in the past, which interrupted my ability to work consistently, and the birth of my child added to the financial challenges Ive faced. 

I am requesting that this debt be fully investigated and that all collections and negative credit reporting be paused or removed until the original discrepancies are fairly reviewed and resolved. I also request that both XXXX XXXX and Midland Credit Management be required to provide a full accounting of the balance and how it was calculated, including all charges and interest. 

Thank you for your assistance in reviewing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
The AAFES Military Star Card account in question has been assigned to XXXX XXXX XXXX ( XXXX ) for collection. I have made multiple good-faith attempts to communicate with both AAFES and XXXX regarding the resolution and accuracy of this account. 

XXXX XXXX has explicitly stated that only AAFES is authorized to negotiate, validate, or settle the debt, while AAFES has refused to engage or take any action until after XX/XX/year> per TSI. This has created a deadlock in violation of federal consumer protection laws, where neither party is accepting responsibility for debt resolution, correction, or validation.

Additionally, the information being reported to the credit bureaus by AAFES and/or XXXX appears to be materially inaccurate, including discrepancies in balances, charge-off dates, and payment history. These errors have not been corrected despite disputes and repeated requests, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and failure to conduct a reasonable investigation.

No proper validation of the debt has been provided as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and credit reporting continues despite these unresolved disputes. 

The ongoing refusal to negotiate or correct reporting errors, combined with misleading and contradictory responses from AAFES and XXXX, demonstrates a lack of good faith and potential violations of the FDCPA, FCRA, and XXXX XXXX compliance standards.

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 2025-04-08 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: VA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC, XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX account number- XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX- XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following :.

A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, 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 2025-04-08 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My name is XXXX XXXX I need to dispute payments XXXX XXXX proce for XXXX XXXX and XXXX XXXX for {$140.00} and for {$190.00} because I didnt received my service and service wasnt completed fully right and it was a service to serve legal documents to a court office but they wont refund me or help me resolve my issue when I contacted them and when I called the dispute to dispute it for both payments they told me they couldnt dispute it or they dispute it but the system rejected it the same day and close it out for no reason but I told the one agent to reopen it or dispute it again but she told me she will but I dont think she did it she claim she will add a note to it but it might be rejected again so I need yall to reopen the denied disputes for both payments or appeal it to be reopen or refile it for both payments or dispute it for both payments or dispute it again for both payments and then give me the claim number for both disputes for both payments and my card number is XXXX XXXX XXXX XXXX or give me a onetime credit for both payments because I disagree with the decision with made account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CO

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 2025-04-08 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:
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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-08 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have incorrect score on my account for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) credit report, and I noticed some Transactions posted on my credit report that are excluded by federal laws from my consumer reports! : ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ] Your company violates the FCRA and XXXX Compliance and reporting violations.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; On { insert late payment date here } you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report are not included in the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of XXXX compliance! 
Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on [ XX/XX/XXXX ] Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, let me be clear I am not asking you to validate or verify anything so don't respond by telling me that to waste my time. 
Furthermore 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I need the above transactions deleted from my consumer reports! 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-08 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, 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 2025-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I wanted to address the recent feedback regarding the condition of my apartment after my move-out. After living at XXXX XXXX for XXXX  years without any issues, I was surprised to hear that the apartment was deemed not clean upon my departure. 

I take great pride in maintaining a clean living environment and made sure everything was thoroughly cleaned before I left. I have photos and videos documenting the apartment 's condition at the time of my departure. The old mag, said i was good and clear new mag said no i wasnt not fair. 

Could you please provide clarity on the specific issues that led to these concerns? I would appreciate your assistance in resolving this matter. 

Thank you for your understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: VA

Complaint narrative:
I received multiple alerts about credit inquiries performed on my Credit Report. The inquiries occurred on or about XXXX XXXX XXXX. I received a denial letter from one of the companies in the mail yesterday, XXXX XXXX XXXX Thus, today, I began my endeavors to get ground truth on what is happening. I first contacted the XXXX credit reporting agency. They informed me I needed to contact the companies by whom the inquiries were performed. I have done so. Using the numbers provided by the credit reporting agencies, I successfully contacted 3 out of the 4 companies. However, the fourth company, US BanCorp, required additional research to find a number I could call as the credit reporting agency only reflected the contact data as 'By Mail ' only and provided a mailing address in XXXX, ND XXXX NOT what a consumer wants to do in order to QUICKLY put a halt on someone fraudulently applying for credit in their name. I succeeded in contacting US BanCorp using a round-about way ... a Freespoke.com search for a phone number... ANY phone number for US BanCorp to attempt immediate resolution... and am in the process of getting the inquiry removed from my credit report. I also noted a new phone number on my credit reporting agency profile, XXXX. I, nor anyone in my family, have ever had this number. I removed it. The number is possibly and seems to be from the area in which I reside. Further, one of the companies with whom someone applied for a credit card in my name used my actual current home address. The use of my actual home address coupled with the 'local ' phone number appearing on my profile leads me to believe someone local may be intercepting my mail. I have not yet filed a police report, but I do plan on it within the next 24 hours ... .still ongoing processes to re-secure my digital existence.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. 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