vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: LA

Complaint narrative:
Called XX/XX/year> early payouts and was given a {$1200.00} XXXX. Fee. Ive noticed the fees havent changed and theyre taking {$260.00} from me bi-weekly to which roughly {$5.00} of it goes towards my balance and XXXX having a hardship and lost of wages. Its depressing me mentally. I feel that XXXX paying XXXX times more for a {$950.00} originally loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This complaint is against Midland Credit Management XXXX XXXX, regarding an alleged account ending in XXXX. On XX/XX/XXXX XXXX, I sent them a formal Intent to Sue / Opportunity to Cure letter via certified mail. I gave them 15 daysa reasonable and legally sound windowto respond and resolve this matter before I pursued further action. To date, Ive received absolutely nothing in return. No debt validation, no acknowledgment, not even a basic response. 

Midlands complete disregard for my letter and their legal obligations is unacceptable. I tried to resolve this privately and professionally, and theyve ignored me entirely. Its not just unprofessionalits a direct violation of federal law under the Fair Debt Collection Practices Act ( FDCPA ). 

To be clear, Midland has violated multiple provisions of the FDCPA : They misrepresented the legal status of the debt. The debt is time-barred, and they failed to disclose that. Instead, they implied that I was still legally required to pay itwhich is both false and illegal. 

In a letter they sent me dated XX/XX/XXXX, they threatened further collection actions if I didnt respond by XX/XX/XXXX. That was a bluff. They have no legal grounds to sue or continue collection activity on this debt because its beyond the statute of limitations. 

They failed to disclose that payment on a time-barred debt is voluntary, and never warned me that any payment could restart the statute of limitations. Thats not just misleadingits a dishonest tactic designed to take advantage of consumers who dont know their rights. 

Theyre using deceptive and unfair practices to try to collect a debt thats not only legally uncollectible, but also no longer eligible to be reported to credit bureaus under the Fair Credit Reporting Act ( FCRA ). 

Lastly, theyve failed to validate the debt entirely. I asked for verification. They ignored it. They continue to act like the debt is valid without providing any proof, which is a clear violation of 15 U.S.C. 1692g ( b ).

This isnt just a technical issue. Midlands behavior is part of a larger pattern of predatory, deceptive, and illegal practices. Their refusal to follow basic federal laws, their misleading threats, and their silence after receiving a legal notice all point to a company that thinks its above accountability. 

Ive wasted time, energy, and endured unnecessary stress because of this. Im requesting that the CFPB investigate and take action against Midland Credit Management. I am also formally seeking {$6000.00} in compensation for the emotional distress, time lost, and the continued harassment over a debt that shouldn't even be legally collectible. 

Ive attached a copy of the original Intent to Sue letter and proof of certified mail delivery. I expect this to be taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/year> I got some letters in the mail someone had stole my identity and had taken {$250.00} from my bank account and took out a credit card in XXXX  with my name and ssn and wasted {$1400.00} I have been trying to fix this in the past 2 years I went to social security office and they couldnt do anything about it called XXXX where the card was taken out and no answer thats why Im on here trying to fix this huge problem I went to my last bank and they gave me no answers and said they couldnt do anything about it

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, my chase checkings account got put on hold. Ive called well over 20 desperate times asking for information related to the hold and have not gotten any information, It is currently XXXX XXXX and my account is still on hold with XXXX dollars sitting in it not being able to get taken out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-15 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 remain seriously concerned that my credit report still reflects inaccurate and incomplete information. Despite multiple efforts to correct this, the errors remain and are continuing to harm my credit standing.

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 2025-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There is an unauthorized inquiry from Bank of America with no account attached to it. I have no products or accounts associated with this merchant under my name.

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 2025-04-15 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: NM

Complaint narrative:
I'm still very concerned that my credit report includes inaccurate and incomplete information. Despite multiple efforts to resolve this, the issues remain and are unfairly impacting my credit.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my report. Please remove these accounts, which are hurting my ability to get credit. This is against the FAIR CREDIT ACT. Please, I would like this removed so I can get credit.

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 2025-04-16 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 recently checked my credit report and noticed fraudulent accounts on my report. Please remove these accounts, which are hurting my ability to get credit. This is against the FAIR CREDIT ACT. Please, I would like this removed so I can get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I totaled my XXXX XXXX XXXX. I initiated a gap coverage claim with XXXX on or about XX/XX/XXXX. On XX/XX/XXXX Gm Financial sent a packet of information to XXXX. On XX/XX/XXXX XXXX responded back to GM Financial requesting additional information to process the claim and GM Financial refused to provide the required information. On or about XX/XX/XXXX I noticed a collection account in the amount of {$7900.00} on my credit report from GM Financial. I spoke with several people on XX/XX/XXXX and no one in the company had any record of them responding to XXXX. On XX/XX/XXXX I spoke with two more individuals from GM FINANCIAL. XXXX ID # XXXX and XXXX ID # XXXX. On XX/XX/XXXX XXXX claimed that they reached back out to XXXX on XX/XX/XXXX to provide the required information that XXXX had requested and that XXXX refused to honor the Gap coverage claim. XXXX stated that they faxed the information to fax number XXXX and also emailed the information to XXXX. Despite my timely response to GM financial and also despite XXXX being in direct contact with GM Financial, GM Financial alleges that they never received any correspondence from XXXX after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
They did not take care of what I asked, which was to delete inaccurate information off my score.

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 2025-04-16 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. CXXXX XXXXb ( 2 ) and XXXX U.S. CXXXX 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-16 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. CXXXX XXXXb ( 2 ) and XXXX U.S. CXXXX 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 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 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 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-04-16 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: 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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Need to remove negative information off of my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
My Equifax report is showing an active account with a balance of {$4600.00} for XXXX XXXX XXXX I have contacted the listed number and it goes straight to voicemail, has no company name on voicemail and asks you to leave name/call back # but no one ever calls back. I have googled the company name, address, and phone # with no results. The company XXXX XXXX XXXX not be found anywhere. The last activity on this account was XXXX when the oil heater boiler blew up in my apartment building and i was allowed to quickly enter the apartment for my dog and a couple belongings and was told by the code enforcer that the building was being condemned and someone would be in touch. I never heard back from the landlord or company and then this was placed on my credit report. I finally filed a dispute with XXXXequifax in XXXX and it's still showing on only my Equifax as an active account with " Account previously in dispute now resolved by data furnisher 180 days or more past due '' but has not been resolved and is showing as active. This is now hindering my credit score and my ability to get a VA home loan to purchase the home we want.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IN

Complaint narrative:
Having to deal with these wrong items on my report has taken a serious toll. Ive worked hard to stay on track financially, but these mistakes have made it feel like none of that matters. Ive been rejected and questioned over things I know aren't right, and its exhausting.

Company response to consumer: Closed with non-monetary relief