vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: GA

Complaint narrative:
RE : Formal Dispute Request for Immediate Deletion of Inaccurate Account XXXX XXXX XXXX XXXX XXXX Dear Credit Reporting Agency , I am formally disputing the account listed under XXXX XXXX XXXXXXXX on my credit report. I demand a reinvestigation under 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ) based on the factual inconsistencies and Metro 2 violations outlined below.

Your reporting agencies are showing conflicting and materially inaccurate data for this single tradeline. These errors violate Metro 2 compliance, particularly the Reporting Date Field, Account Status Field, and Payment History Profile, and are negatively affecting my creditworthiness. This is legally considered inaccurate and incomplete reporting. 

| * * Data Field * * | * * Equifax * * | * * TransUnion * * | * * Experian * * | * * Violation Type * * | | -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | | Account Type | Revolving | Revolving | Credit Card | Inconsistent Type Label | | Balance | \ {$2100.00} | \ {$2000.00} | \ {$2100.00} | Conflicting Balance Data | | Credit Limit | \ {$2200.00} | \ {$2200.00} | \ {$2200.00} | Consistent | | Monthly Payment | \ {$110.00} | \ {$110.00} | \ {$110.00} | Conflicting Payment Terms | | Past Due Amount | \ {$190.00} | Not Listed | \ {$75.00} | Missing or Mismatched Info | | Date Opened | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Consistent | | Last Payment Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Consistent | | Responsibility | Individual | Individual | Individual | Consistent | | Status | 30 Days Past Due ( XX/XX/XXXX ) | No 30-day past due listed | 30 Days Past Due ( XX/XX/XXXX ) | Status & Date Inconsistency | | Comments/Remarks | " Your statement '' | " Your statement '' | " Your statement '' | Neutral | Why This Account Must Be Deleted These material inconsistencies create a false impression of my credit behavior. As per FCRA 1681e ( b ), all information must be reported with maximum possible accuracy, and under FCRA 1681i, the CRA must provide proper verification or remove the item.

The Metro 2 standard requires uniformity across systems and this account fails that standard. In addition, the emotional, financial, and reputational harm caused by this ongoing negligence is unacceptable and can not be overstated. 

DEMAND FOR ACTION : I hereby demand : A full deletion of the XXXX XXXX XXXX account due to multiple inaccuracies. 

A copy of the method of verification per 1681i ( 6 ) ( B ) ( iii ) if the account is not deleted.

That no data furnisher be allowed to reinsert unverifiable data without full documentation.

Failure to act in good faith may lead to legal remedies under FCRA 616 and 617, which allow for damages due to negligent or willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Debt Amount : {$1400.00} To whom It May Concern, Request for Debt Validation Under 15 USC 1692g Be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address. Still, a request for VALIDATION made under the above-named Title and Section, I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalid information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX  ), this action may constitute fraud under both federal and state laws. Due to this fact, if any negative marks are found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. ( per se ). 
Suppose your offices can provide the proper documentation requested in the following Declaration. In that case, I will require at least 30 calendar days to investigate this information, during which all collection activity shall cease. 
Also, during this validation period, if any action is taken that could be detrimental to any of my credit reports, I will consult my legal counsel for suit. This includes any information in a credit reporting repository that could be inaccurate or invalid.

Suppose your offices fail to respond to this validation request within 30 calendar days from the date of your receipt. In that case, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
-Unauthorized Credit Inquiries on TransUnion Report Despite Fraud Alert I am submitting this complaint regarding unauthorized hard inquiries on my TransUnion credit report from * * XXXX XXXX XXXX XXXX XXXX NFCU ) * *, XXXX  XXXX which I did not authorize. My report has an active fraud alert dated XX/XX/XXXX, yet these inquiries continue to appear, indicating a failure in fraud prevention measures. 

XXXX. No Authorization Given I did not apply for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( NFCU ), nor do I have an account with them. 

XXXX. Ineligible for XXXX Membership I am * * not a service member, XXXX employee, or eligible for XXXX membership * *, making these inquiries highly suspicious.

3. Fraud Alert Ignored Despite placing a fraud alert with TransUnion on XX/XX/XXXX, unauthorized parties are still able to access my credit file. 

XXXX. * * Potential Identity Theft * * These inquiries suggest possible fraud, and TransUnion has failed to block them despite the fraud alert. ( XXXX XXXX ) ( XXXX  XXXX ) Supporting Documentation - Fraud alert confirmation, Driver 's License for identity verification, FTC Report Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX " I expect prompt action to correct this issue. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at Capital XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX a personal credit card account opened at XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX 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 XXXX  which shows the aforementioned fraudulent items because TransUnion is blocking access to my credit report unlawfully. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, 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, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, and XXXX as proof from the XXXX 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 2025-06-08 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: FL

Complaint narrative:
Please check the information concerning the Equifax data breach below in attachments.

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 2025-06-08 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:
Please check the information concerning the Equifax data breach below in attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: NY

Complaint narrative:
RE : Identity Theft Request for Immediate Removal of Fraudulent Addresses ( FCRA 605B / 15 U.S.C. 1681c-2 ) ] To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and to demand the immediate deletion of several fraudulent addresses appearing on my credit report. These addresses were never associated with me, and I did not authorize their addition to my consumer file. The following Address IDs must be deleted immediately : Address ID : XXXX Address ID : XXXX Address ID : XXXX Address ID : XXXX I have reason to believe these addresses were added as a result of fraudulent activity tied to the misuse of my personal identifying information likely stemming from the Equifax data breach disclosed in 2017. These addresses are now being incorrectly linked to my identity and must be removed.

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 2025-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: GA

Complaint narrative:
I am submitting this complaint because a debt collector, Maury Cobb Attorney at Law LLC, is falsely attempting to collect a debt on behalf of XXXX that does not exist. I have contacted both XXXX and the collector multiple times and provided documentation and verbal confirmation from XXXX that there is no balance due on the account. 
The account in question involved a single line opened with XXXX on a trial basis to test service at my home. The service did not work, and the line was canceled within the trial period. Despite poor service, I paid over {$130.00}. I was assured there would be no penalties, and XXXX confirmed the balance was cleared. 
Despite this, I received a XX/XX/year> letter from Maury Cobb demanding {$420.00}. This is clearly a fabricated amount, and their continued communication amounts to harassment and is now harming my credit. I request the CFPB investigate and ensure this false debt is removed and the harassment stops.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Consumer ID : XXXX ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, ( NAME ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica
State: WA

Complaint narrative:
My XXXX XXXX prepaid card issued by COMERCIA BANK was hit with XXXX fraudulent charges. I canceled the card. This caused all the options to report details of theft to no longer be available. I sent a certified declaration via Certified mail. 

XXXX  agents or representatives found in my favor. However, instead of a credit, as per statements by their own agents, the debited my account twice, wiping me out. 

A half month later, they twice sent letters saying I WAS credited the stolen amount. I was not. Instead, they showed varying negative balances on cards that CAN NOT be overdrawn. It went from over a - {$400.00} down to a - {$46.00}, then a- {$5.00}, back up to - {$400.00}, then down to - {$5.00}, again. 

When my XXXX XXXX  payment came, XXXX stole around {$5.00} for their fraudulent negative {$5.00} balance. 

ALL transactions from XXXX XXXX, to XX/XX/XXXX, were XXXX XXXX agents or representatives actions and were NOT for vendor claims. 

The simple is, my money was first stolen by XXXX XXXX, or its contractors, then the balance of over {$350.00} was stolen by XXXX. 

I believe XXXX stole more, but it does not show carry over balances from previous months. The only balances its account page shows is for the very moment you were viewing the page. 

They, over time, sent XXXX letter saying they credited my account XXXX around {$430.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2 Accounts were reinserted on credit report after CFPB had them removed, please block and remove according to 15 USC1681i ( a ) ( 5 ) ( B )

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 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Ive been requesting a credit balance refund for the last 6 months on my account for the positive balance ive been holding. It is against federal and state law to prohibit a consumer from requesting a positive balance back to their bank account or within check format. Ive also written into goldman sachs formerly requesting a paper check and my requests have gone ignored. I am preparing to file this in court for additional interest and fees due to the time that it has been since my original request. Please process my request along with additional fees and interest for holding my money for so long or I will proceed with filing a suit in court thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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 did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

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 2025-06-08 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: NY

Complaint narrative:
I am a victim of identity Theft I have opened investigations with the police department on XXXX cities. I have contacted the creditors and the credit bureaus. The credit bureaus have sent me correspondence stating I need to attach updated verification documents. I have provided all documents required by law for these fraudulent items to be removed

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Items are being reported which i never gave permission or consent to be reported. 
This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked with 5 days the cra 's are violating : 15 usc 1681b specific 1681b ( a ) ( 2 ) Permission or Consent to report 15 usc 1681c-1 If you cant produce proof then Without consent its identity theft 15 usc 1681c-2 Block items reported as identity theft 15 U.S. Code 1681e ( b ) reads " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' - [ ] 15 USC 1681s-2a1a reporting information with actual knowledge of errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Items are being reported which i never gave permission or consent to be reported. 
This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked with 5 days the cra 's are violating : 15 usc 1681b specific 1681b ( a ) ( 2 ) Permission or Consent to report 15 usc 1681c-1 If you cant produce proof then Without consent its identity theft 15 usc 1681c-2 Block items reported as identity theft 15 U.S. Code 1681e ( b ) reads " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' - [ ] 15 USC 1681s-2a1a reporting information with actual knowledge of errors

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 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Wells fargo is a company listed by XXXXXXXX XXXX XXXX company that violated my cyber rights. Deemed XXXX  of fraud reports as valid claims, but yet refused to give me detailed copies of any of them. They also allowed a local sheriff 's department without a warrant to have access to my financial records. Wells Fargo is a major part of my massive identity theft case that is still ongoing with the IRS.

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