vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX SSN XXXX I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED AND FRAUDULENT INQUIERES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 XXXXXXXX As required by 15 US.C 1681c-2 , please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the burediu reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: AL

Complaint narrative:
There are the items I been disputing. All items should be accurate and consistent across all three agencies. Please DELETE! 

Identified Errors/ Inconsistencies 1. Balance Reporting Equifax & TransUnion report a {$0.00} balance. 
Experian does not show a balance at all. 
Dispute Justification : All reports should reflect the same balance if settled. 
XXXX. Last Payment Date Equifax : XX/XX/year> Experian : XX/XX/year> TransUnion : Not reported Dispute Justification : Payment dates should match exactly across all bureaus. 
XXXX. Highest Balance Equifax : Not reported Experian : {$8700.00} TransUnion : {$8700.00} Dispute Justification : The amounts are inconsistent ; a {$2.00} difference could be a reporting error. 
XXXX. Status Reporting Equifax : Charge-off Experian : Paid in settlement/ write-off TransUnion : Payment after charge-off XXXX collection Dispute Justification : The account was settled for less than the full balance. All reports should uniformly reflect the accurate, finalized settlement status. 
XXXX. Comments Equifax : Reintegration/settlement accepted ; account paid in full for less than full balance. 
Experian : No comments listed. 
TransUnion : Settled, less than full balance Dispute Justification : Experian omits critical context that the account was settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit card information was used to charge close to {$4000.00} in charges from a furniture store in XXXX, California on XX/XX/XXXX. I never used my credit card at this store, nor have I been there. The card was used fraudulently and this fraud was discovered on XX/XX/XXXX. 

Citibank, the issuer of the credit card, never called, texted, or otherwise tried to contact me about this purchase. I do not have a history of purchasing furniture on my credit card, which means that in addition to the high amount, the type of purchase was suspicious, and Citibank should have reached out to confirm what ultimately is a fraudulent charge. On XX/XX/XXXX I promptly disputed the charge and reported it to Citibank.

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 monetary relief
Consumer complaint received 2025-05-18 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: NC

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
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 explanation
Consumer complaint received 2025-05-19 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
portfolio recovery after many attempts by calling and writing asking about the purchase agreement of the account XXXX XXXX account XXXX was unable to send it to me after many requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I am disputing a student loan that I was never notified about. I did not receive any documentation, billing statements, or disclosures regarding the loan amount, repayment terms, or interest rates. I recently received a bill that includes compounded interest, despite never being given the opportunity to review or respond to the debt. 

I contacted the loan servicer, Aidvantage, and requested verification of the debt, including the original signed agreement and payment history. As of now, I have not received a response or adequate documentation. This lack of notice and unexplained interest charges is in violation of my rights under the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB investigate this issue and ensure that Aidvantage provides full documentation of the debt and suspends all collection activity and interest accrual until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MO

Complaint narrative:
On my credit report there is an incorrect address that doesn't belong to me and that address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Florida XXXX. That address is not mine and it must be deleted immediately.. I was a victim of identity theft,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: GA

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 15USC 1681. 

XXXX XXXXXXXX acct # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A, states I have rights to privacy.

15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without written or verbal contract with me.

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 convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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 2025-05-18 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: GA

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 15USC 1681. 

XXXX XXXXXXXX acct # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A, states I have rights to privacy.

15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without written or verbal contract with me.

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 convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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 explanation
Consumer complaint received 2025-05-18 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: AL

Complaint narrative:
There are the items I been disputing. All items should be accurate and consistent across all three agencies. Please DELETE! 

Identified Errors/ Inconsistencies 1. Balance Reporting Equifax & TransUnion report a {$0.00} balance. 
Experian does not show a balance at all. 
Dispute Justification : All reports should reflect the same balance if settled. 
XXXX. Last Payment Date Equifax : XX/XX/year> Experian : XX/XX/year> TransUnion : Not reported Dispute Justification : Payment dates should match exactly across all bureaus. 
XXXX. Highest Balance Equifax : Not reported Experian : {$8700.00} TransUnion : {$8700.00} Dispute Justification : The amounts are inconsistent ; a {$2.00} difference could be a reporting error. 
XXXX. Status Reporting Equifax : Charge-off Experian : Paid in settlement/ write-off TransUnion : Payment after charge-off XXXX collection Dispute Justification : The account was settled for less than the full balance. All reports should uniformly reflect the accurate, finalized settlement status. 
XXXX. Comments Equifax : Reintegration/settlement accepted ; account paid in full for less than full balance. 
Experian : No comments listed. 
TransUnion : Settled, less than full balance Dispute Justification : Experian omits critical context that the account was settled.

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 2025-05-18 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: AL

Complaint narrative:
There are the items I been disputing. All items should be accurate and consistent across all three agencies. Please DELETE! 

Identified Errors/ Inconsistencies 1. Balance Reporting Equifax & TransUnion report a {$0.00} balance. 
Experian does not show a balance at all. 
Dispute Justification : All reports should reflect the same balance if settled. 
XXXX. Last Payment Date Equifax : XX/XX/year> Experian : XX/XX/year> TransUnion : Not reported Dispute Justification : Payment dates should match exactly across all bureaus. 
XXXX. Highest Balance Equifax : Not reported Experian : {$8700.00} TransUnion : {$8700.00} Dispute Justification : The amounts are inconsistent ; a {$2.00} difference could be a reporting error. 
XXXX. Status Reporting Equifax : Charge-off Experian : Paid in settlement/ write-off TransUnion : Payment after charge-off XXXX collection Dispute Justification : The account was settled for less than the full balance. All reports should uniformly reflect the accurate, finalized settlement status. 
XXXX. Comments Equifax : Reintegration/settlement accepted ; account paid in full for less than full balance. 
Experian : No comments listed. 
TransUnion : Settled, less than full balance Dispute Justification : Experian omits critical context that the account was settled.

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 2025-05-18 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: GA

Complaint narrative:
Subject : Round 2 Dispute - Identity Theft - Demand for Removal of Fraudulent Accounts and Verification To Whom It May Concern, This letter serves as a follow-up to my initial dispute on XX/XX/year>, regarding fraudulent accounts on my TransUnion credit report. Despite my first dispute, these unauthorized accounts remain. I am formally requesting their immediate deletion under my rights pursuant to Title 15 USC 1681, 609 ( a ), and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ).

The following accounts were not removed, and I was not provided with any verification of how they were verified, which is a clear violation of FCRA requirements : Fraudulent Accounts to Be Blocked & Deleted : XXXX, PA XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Unauthorized account XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I did not open or authorize. These accounts appear to be fraudulent and are negatively affecting my credit score. 

I respectfully request that these accounts be investigated and immediately removed from my credit report. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-19 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 recently reviewed my credit report and noticed several accounts that I did not open or authorize. These accounts appear to be fraudulent and are negatively affecting my credit score. 

I respectfully request that these accounts be investigated and immediately removed from my credit report. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center, XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Inaccurate Collection Reporting ( XXXX XXXX XXXX ) Dear ( Transunion ), I am disputing XXXX XXXX XXXX on my credit report due to non-compliance with Metro 2 Standards. 
This account is inaccurately reported as " open '' Under the Fair Credit Reporting Act ( FCRA ), all data must be accurate and verifiable.I request you : ( 1 ) Verfify the accounts accuracy and Metro 2 compliance. 
( 2 ) Remove the account if it can not be verified. 

Last four of social XXXX driver license number XXXX Please respond with the results within 30 days Sincerly, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center, XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Inaccurate Collection Reporting ( XXXX XXXX XXXX ) Dear ( Transunion ), I am disputing XXXX XXXX XXXX on my credit report due to non-compliance with Metro 2 Standards. 
This account is inaccurately reported as " open '' Under the Fair Credit Reporting Act ( FCRA ), all data must be accurate and verifiable.I request you : ( 1 ) Verfify the accounts accuracy and Metro 2 compliance. 
( 2 ) Remove the account if it can not be verified. 

Last four of social XXXX driver license number XXXX Please respond with the results within 30 days Sincerly, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> NCB MANAGEMENT SERVICES XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX, PA XXXX Re : Account Number : XXXX Notice of Debt Validation Request To Whom It May Concern : This letter is being sent to you in response to a notice I received from you on [ Date of Notice/Contact ]. Be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ), I have the right to request validation of the debt you are claiming I owe. I am hereby exercising my right and demanding that you provide me with the following documentation : 1. Verification or copy of any judgment ( if applicable ) ; 2. Complete payment history showing all debits and credits to the account ; 3. Name and address of the original creditor, as required under 15 USC 1692g ( a ) ( 2 ) ; 4. Copy of the original signed contract or agreement that created the debt ; 5. Documentation showing you are licensed to collect debts in my state ; 6. Documentation proving you are authorized to collect this debt on behalf of the current creditor ; 7. Proof that the statute of limitations has not expired on this debt ; 8. Validation that you have reported this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Pursuant to 15 USC 1692g ( b ), you are required to cease all collection activities until you provide the requested validation. Additionally, under 15 USC 1692c ( c ), I am requesting that you cease all communication with me except for the purposes of : 1. Informing me that collection efforts are being terminated ; 2. Notifying me that you may invoke specified remedies which are ordinarily invoked by such debt collector ; or 3. Where applicable, to notify me that you intend to invoke a specified remedy. 
If you can not validate this debt, I demand that : 1. All collection efforts cease immediately ; 2. The debt be removed from my credit reports ; 3. A letter be sent to me confirming that the debt has been cleared and collection efforts have ceased. 
Any violation of the FDCPA or FCRA will be documented and forwarded to the Federal Trade Commission and the Consumer Financial Protection Bureau. I reserve the right to sue for damages under 15 USC 1692k if violations occur. 
This letter is an attempt to resolve this matter and any information obtained will be used for that purpose. 
I expect a response within 30 days of your receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation